If you wish to be part of the Money Matters series, please fill up this form: forms.gle/uj9JPUBp8Wo9nZQi7 Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/ SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.onelink.me/RmHC/x3g6i4vs My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. Start your own business: bigrock-in.sjv.io/6eZ1KK My bestselling books: ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone ‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 Useful links: 20 books for your 20s: bit.ly/WarikooBooks 20 online courses for your 20s: bit.ly/WarikooOnlineCourses Gadgets that I use: bit.ly/WarikooGadgets The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. Let’s connect online: 🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoqydK6hszvi4DFywg 📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/ 📱 Instagram: instagram.com/ankurwarikoo 🐦 Twitter: twitter.com/warikoo 👨🏻💻 LinkedIn: www.linkedin.com/in/warikoo 😄 Facebook: facebook.com/awarikoo/ 🖋 Daily Blog: ankurwarikoo.com/blog/
Cant let Ankur know how much each episode of this series has motivated me and thousands of others ...Its like the SURABHI show of the 90s on Doordarshan aired every Sunday ... Highly informative and highly addictive....💐💐💐
Fabulous episodes one after another. Simplifies decade long issue in few minutes. My heart felt wishes Ankur Sir from London for all the guidance throughout via each of your episodes . Big Thank you Astha
I think the biggest thing which got missed here is inflation. the value of 12 cr in today’s terms, after 20 years with an inflation rate of 6%, would be only ₹3.74 cr and for her daughter's education he will be having ~45 lakhs only.
*Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult*
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Jeff Clark, has been an amazing experience.
I'm favoured, $90K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Mr Jeff Clark
Good day all👍🏻from Australia 🇦🇺 I have read a lot of posts that people are very happy with the financial guidance he is giving them! What way can I get to him exactly ?
Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.
The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
I definitely share your sentiment about these firms. Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Monica has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
Financial literacy is need of the hour , kudos to you sir for contributing your knowledge to others, thank you for redirecting people for better decisions 👍👍👍
@warikoo sir..huge fan of you because you are good human being taking time to help the needy by educating them to achieve ther financial planning and to meet goals in life. NOT A EASY JOB YOU ARE DOING IT FOR A COMMUNITY THAT TOO FREE!!!HATS OFF!! More respect to you sir!!
One thing is clear from this episode, Earning bid does not necessarily means knowing well in personal finances, Guys don't know SIP name which he and his wife invested . Also what's is click to wealth policy ?? @@warikoo
@@warikooneed a small suggest , i have 3684 getting freed next month , should i use it to prepay my home loan or add it to MF , HL is 34Lakhs , 9.4 for 20 years, 2 montha passed.
Fear and uncertainty create major wealth. It's those who take the risk and have strong gut to endure the bloody days. When i notice extreme dips i tend to actually move more money to crypto..
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
So happy to see that his wife is earning more than him. Women’s in India are really progressing. Let’s raise this bar higher and higher. We need such equality in every Indian household 🎉
He didn't share which SIP he was sharing .and he didn't which one was his friend investing ..can't trust. He blindly invested in SIP without knowing abt it ????
That's how it works for most of the ppl in India. Many don't know where they are investing, they just blindly go by advise of the friends and relatives. Very few ppl do their homework before investing.
He clearly told that his friend explained in which SIP investment is being done, but he didn't remember now, commenting without watching the video properly
I think it's better not to do step up SIP instead do simple SIP + do extra lumsum when nifty 50 goes below -5% it will give you more returns in long term. And don't do SIP in mutual funds instead do SIP in Index fund or ETF.
No bank balance No 6-12 months safety net After expenses everything invested in SIP, not sure if that’s practical But Ankur great job creating these videos…
exactly , at age of 42 they dont have any emergency corpus in form of FD or iin Saving Bank. they are paying too much in 2 homelans, 2 car loans + house Rent only
Sell brothers house , ask brother to take care of his own , shift ur parents with you into a rental apartment (big one )give parent's house on rent , sell the shop put ur money all together in mutual funds retire rice after 10 years .
Hi Ankur, not sure if it makes sense but i think if he can pay the loans by selling off the shop and then put the emi money in SIP it could help him save more and then plan to get a flat by putting the one of the parents house on rent. Just a suggestion Don’t know if its feasible or not.
Problem is not with SIP, problem is when there is an emergency there necessiates withdrawal of this sips somewhere in middle way there reduces it's accumulation of the big nos that you are speaking.
I am 22 years Old I started my journey of As an IT professional as well as I also started SIP as earlier sir said in last video that Little bit In Nifty50, Midcap and Small cap
Dear Sir. Please advise me good SWP found as I want to invest lump sump amount (40 lakhs). I don’t want to invest in banking and finance sector. Shall I split these amount in various SWP or in one SWP🙏🌹🌹
At last a video involving salaried class people with relatable income levels. Every other finance you tuber is interviewing guys who have already made x crores at the age of 25 or 35. While these guys need to be appreciated for their risk taking abilities and hard work but they represent only very miniscule percentage of population. The majority is salaried class and do not have the courage to start their own buisness and take major risks. Thanks for taking to man with whome masses can relate 😊
Inflation is not considered for daughters education - educational inflation is one of the highest - 1 CR of today means they will require close to 2 cr in 10 years assuming 12-13% educational inflation
सर आप हम जैसे मिडिल क्लास लोगों को यह बताइए कि किस ऐप में और किसके जरिए और किस तरह से पैसा इन्वेस्ट किया जाए और कहां पर किया जाए और कितना किया जाए कि पैसा गो हो आप मोटी मोटा समझते हैं कि ऐसे जमा करो वैसे जमा करो पर आप यह नहीं बताते की जहां पर पैसा आप लगते हैं वहीं पर हम लोगों को भी बताएं प्लीज सर बताइए
Nice episode. One feedback: Their health insurance of 10L base and 90L super top up is not sufficient to take care of health needs. All planning can go haywire just because of this one wrong step.
I have only 80 k rupees of my savings and i am jobless too, house wife and mother of 2 kids Husband is working and bear all expenses of the family Can you advice me what to with such little amount?? 😊😊
If by anyway job lost😢/ layoff and income stops is there any way to come out of this ? Cause selling the parents home and taking loan for big house i think it will be wrong advise, for any such calamity atleast he should have one own home now for him and prents, later he can buy
Also there are many credit society which offer almost 10 -11 percent on FD. 6 percent fd mein kuch nahi hai. Infact Idfc first bank offer 7.25 fd return. In credit society with 10 percent return If u have fd capacity of 30 lakh then thats almost 1.2 lakh more of revenue if fd is only 6 percent in SBI type bank. We r doing in navi mumbai
After retirement you will not have any money coming to you in the form of salary, How one can keep their respective SIPs that too step up is very difficult. Why don't one be practical enough to think all these small small points. And these small points will have a material financial impact on a long run.
Was the House maids expenses covered in above excel. No expenses like traineres for gym and fitness covered. Foreighn tours every year or two year. Diwali functions. New car purchase after 7-10 years. Renovations expenses of atleast one house apporox wud cost 10 lakh. Planning I will surely keep atleast 10 lakh as a emmegancy fund. Only totally depending on SIP i wud surely invest in some business or start-up. With such kind of income like almost 3 lakh per month. I wud definitely do atleast 1 lkah a year of Temple donataion. Currently do 20 k yearly temple donation . As I grow old my requirements should get less and less. After the age of 80 years. (HopingI wud definitely look for earning sufficient so that my after retirement monthly return could be 1lakh a month. That wud cover my House helps salary and medicine covers without depending on kids)
There is a calculation mistake here, his investment + expenditure are more than income yet you suggested for SIPs. How is this even practically possible? I think he doesn’t have to do anything with his current investment. His pf, ppf will cover his retirement and later on with FD returns he’ll easily retire with all education covers. Why put your money on risky places when you’re already covered with safe investments?
But by any chance all the money invested somehow failed to deliver returns so the whole amount will be undervalued and it will take years to recover money ...... If the lumpsum amount of lic can be invested in the form of FD which is the safest option along with a 10k RD per month.... The returns will be slightly less but the safest and tension free option , alongside ongoing sip ... Which from my POV is a safer option ......
Nhi...he said wo traditional investment karta tha like LIC and FD, but he realised wo sab messed up ho gaya hai because of[after] listening to experts like you.
Hey Ankur i loved your Money matters episodes and i am following you from couple of years. But being from a mid class family which is huge in our country, i would love if we have such guests in video.. So that i and other peoples can connect with them more precisely . No hate but just a feedback loved your content
In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.
If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.
Agreed, I’ve been investing in the stock market for 11 years now, last 5 years with the help of a financial planner apparently due to the covid-19 pandemic crash. Throughout these years of guidance alone, I've been fortunate enough to 10x my return as a DIY investor, summing up nearly $1m roi as of today.
SIr i have been planning my future based on your videos and i have a few questions : 1) Request you to please consider Time value of money / Inflation when showing return of SIP after 10/15 years 2) Risk involved in investing in SIP specially MId and small cap cause i think indian stock market in highly inflated 3) Consider investing amount right now in certain Real estate or go for these investments 4) Please consider the Tax amount that needs to be paid when cashing out these SIP / Investments.
He has good saving contribution in safe instruments; however I still feel he can save more by doing something with regards to office travel cost. He should not save in HDFC click to protect & SUkanya scheme as the returns that he can expect would not be grt. He can invest the same in Nifty Index
Thanks for sharing these valuable video.....why don't you share a video with a homemaker in her middle age....and share how even homemakers can save and make good money over a period of 10-15years. Thanks again.
Your videos are really motivating us to be a calculated and disciplined investor. But sir one thing I want to say is that wouldn't it be a good idea to park the lump sum amount in tier 2 of NPS rather than to go for bank FD?
How easy it is to say after 20 years the value will be 10 crore.. no body talks about the tax we need to pay. 12.5% as of now on the profits, which means 1.25 crore gone in tax. Down the line in 20 years no one knows how the tax structure will be... please advise from that perspective as well
I really a fan of you I have started investing watching your videos but I don't have much knowledge. If you can guide and show path for myself. Living in UAE for job from Mumbai. I was planning to opt for loan but don't wanna ruin my time if can guide me owning own house independent. IT Professional age is 24years
Gen X after starting earning tend to invest a lot of time and emotions on futile (and sometimes even toxic) relationships & gossip, very unmindful of taking care of their meagure finances only to repent later..! 😮😮😮
ये बढ़िया एपिसोड है अंकुर क्योंकि मैं भी 45 का हूँ. और मैं खुद से 35K हर महीने MF में डालता हूँ मेरा NPS 26K/month जाता है. मैं 5 करोड़ 2035 तक बनाना चाहता हूँ.
I don't think Employee share and Employeer share should be equal. In my case 12% is My share and company is contributing 5 percentage of it. I.e 1800 + 550 = 2350 . Is anyone having clarification on it ??
Guy: has an asset with 0 liability as a shop with rent as cash flow. Wirkoo: sell it and buy a big house with a huge loan, making him a liability owner than an asset owner. Bad advice all the way here.
I like these videos because they teach financial independence but what all of them fail to account for is the LTCG on MFs that you pay on redemption. You can do some tax loss harvesting but the LTCG on investment sucks out a lot of amount from this amount. Also this guy is selling shop and house which will also attract LTCG and he’ll not be able to offset that gain because he already holds more than one property. Indian tax laws sucks and no government is going to make it middle class friendly. 😢
Ankur, need your help to start with investment. I am a beginner & have gone through the beginner video of yours. Still need your guidance on Low risk investment companies
If you wish to be part of the Money Matters series, please fill up this form: forms.gle/uj9JPUBp8Wo9nZQi7
Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.onelink.me/RmHC/x3g6i4vs
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing.
If you create an account on any of these using the above links, I stand to make a referral income from it.
100% of this income is contributed towards the education of kids who cannot afford it.
In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
Start your own business: bigrock-in.sjv.io/6eZ1KK
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Let’s connect online:
🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoqydK6hszvi4DFywg
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/
📱 Instagram: instagram.com/ankurwarikoo
🐦 Twitter: twitter.com/warikoo
👨🏻💻 LinkedIn: www.linkedin.com/in/warikoo
😄 Facebook: facebook.com/awarikoo/
🖋 Daily Blog: ankurwarikoo.com/blog/
Love from Bangladesh
@warikoo reply for gen z way if u r true
Thanku sir 40 age ki bhi exeple share Kiya but sir pls shar same age but packeg around 7 to 10 lkh
give answer on gen-z way video
Sir mai 10,000 rs meri income h, . Mai kaise invest kru. Mujhe v kuch tips dijiye sir plz ,. Meri age 32 yrs h .
Guy : I plan to retire after 10 years
Warikoo : do a step up SIP for 20 years 😂
Cant let Ankur know how much each episode of this series has motivated me and thousands of others ...Its like the SURABHI show of the 90s on Doordarshan aired every Sunday ... Highly informative and highly addictive....💐💐💐
❤️❤️❤️
Fabulous episodes one after another. Simplifies decade long issue in few minutes. My heart felt wishes Ankur Sir from London for all the guidance throughout via each of your episodes .
Big Thank you
Astha
Kya faltu ka video daily chap rahe ,12 crore uske kaise banege kuch bhi financial planning nhi disaster planning chal rahi hai
Respect for Gen z way 💪📈
25 din mein paisa double🤡🤡
@@soumyadas9939 jor jor se bolke logo ko scame bata de
He is not gen z he is gen y , gen z is born after 2021
@@ranjitmenon5178 you'll not understand kid
@@ranjitmenon5178 just go and search gen z way and watch his letest video
I think the biggest thing which got missed here is inflation.
the value of 12 cr in today’s terms, after 20 years with an inflation rate of 6%, would be only ₹3.74 cr
and for her daughter's education he will be having ~45 lakhs only.
I think he mentions multiple times that he's talking of the value in today's terms, not the face value.
Step up sip with 5% was done to balance the inflation ig
@@vinaynavale8666 Step-up was done to balance inflation as well as to keep up with potential salary increase per year
IMPORTANT - PF can be held after retirement for 3 more years
FD - 6% pre tax
PF -8.15 post tax
Ankur Warikoo - pls do make a kind note
Worth Noting
I think Ankur took that route to cater for a very liquid asset.
*Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult*
Waking up every 14th of each month to 210,000 dollars it's a blessing to I and my family... Big gratitude to Jeff Clark 🙌
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Jeff Clark, has been an amazing experience.
I'm favoured, $90K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Mr Jeff Clark
Good day all👍🏻from Australia 🇦🇺 I have read a lot of posts that people are very happy with the financial guidance he is giving them! What way can I get to him exactly ?
he's mostly on Telegrams, using the user-name
Ankur there is more in life than money. Man I was so impressed with your talks on productivity, health etc. But now it is just money money money.
It's not all about money. True.
Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.
The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
I definitely share your sentiment about these firms. Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Monica has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
I was so ingrossed in this video. So shocked to see the power of compounding in the end. very interesting and didnt know how this episode ended.
Financial literacy is need of the hour , kudos to you sir for contributing your knowledge to others, thank you for redirecting people for better decisions 👍👍👍
@warikoo sir..huge fan of you because you are good human being taking time to help the needy by educating them to achieve ther financial planning and to meet goals in life. NOT A EASY JOB YOU ARE DOING IT FOR A COMMUNITY THAT TOO FREE!!!HATS OFF!!
More respect to you sir!!
Kon si community, paise mil rahe isko
With due respect to Ankur Warikoo, I blv If both are earning that much, its better to hire a "Certified Financial Planner" to plan their finance.
Agree
One thing is clear from this episode, Earning bid does not necessarily means knowing well in personal finances, Guys don't know SIP name which he and his wife invested . Also what's is click to wealth policy ?? @@warikoo
@@warikooneed a small suggest , i have 3684 getting freed next month , should i use it to prepay my home loan or add it to MF , HL is 34Lakhs , 9.4 for 20 years, 2 montha passed.
Fear and uncertainty create major wealth. It's those who take the risk and have strong gut to endure the bloody days. When i notice extreme dips i tend to actually move more money to crypto..
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
I'm surprised that you just mentioned and recommend Mr Brian Nelson. I met him at a conference in 2018 and we have been working together ever since.
Whi came after gen g away ?
From this conversation, It seems an excessive income leads to haphazard investment & clueless approach!!!
Me watching this video with 23.6rs bank balance 🥹
Tumheri bhi meri trh bohut dukh bari kahani hain
Same here bro😂😂😂😂
Bdiya h abhi se sikhna suru kro paise ate hi set@@The_Engineer_Babu
Toh uska bhi SIP kar do....😂
Ditto
So happy to see that his wife is earning more than him. Women’s in India are really progressing. Let’s raise this bar higher and higher. We need such equality in every Indian household 🎉
In hand monthly is 2.85 lakhs whereas expenditure plus investments are more than the income. I think he didn't tell his correct in hand salary.
Bar bar ankur bolrahay ya Ankuk😂.
He is talking nonsense 55 lakh for 2 bhai but intamment is 17500
He didn't share which SIP he was sharing .and he didn't which one was his friend investing ..can't trust. He blindly invested in SIP without knowing abt it ????
That's how it works for most of the ppl in India. Many don't know where they are investing, they just blindly go by advise of the friends and relatives. Very few ppl do their homework before investing.
He clearly told that his friend explained in which SIP investment is being done, but he didn't remember now, commenting without watching the video properly
He doesn't want to reveal. That's how smart people are,don't reveal their secrets out of fear that others will leave them behind
I think it's better not to do step up SIP instead do simple SIP + do extra lumsum when nifty 50 goes below -5% it will give you more returns in long term. And don't do SIP in mutual funds instead do SIP in Index fund or ETF.
hey ritik, thoda bataoge why to go for ETFs instead of MFs cos ive started doing sip in MF
@@sushyyyyyyyyetf dont have expense ration and exit load and its easy invest but in mf you dont know which nav u will get
Having too many Emi is not sounding to be an peaceful life.
No bank balance
No 6-12 months safety net
After expenses everything invested in SIP, not sure if that’s practical
But Ankur great job creating these videos…
exactly , at age of 42 they dont have any emergency corpus in form of FD or iin Saving Bank. they are paying too much in 2 homelans, 2 car loans + house Rent only
Sell brothers house , ask brother to take care of his own , shift ur parents with you into a rental apartment (big one )give parent's house on rent , sell the shop put ur money all together in mutual funds retire rice after 10 years .
Clearly he values relationships unlike you . Good luck with your loneliness
Hi Ankur, not sure if it makes sense but i think if he can pay the loans by selling off the shop and then put the emi money in SIP it could help him save more and then plan to get a flat by putting the one of the parents house on rent. Just a suggestion Don’t know if its feasible or not.
Warikoo advise ur clients to donate also because so many people are living from day to day income.
Sir *Gen z way ke liye* video banao
We shud thank Mr Ankur for very precise calculation and financial planning . Was upset the guest did not thank him much
these conversations opens up our mind...❤❤
Problem is not with SIP, problem is when there is an emergency there necessiates withdrawal of this sips somewhere in middle way there reduces it's accumulation of the big nos that you are speaking.
I am really wightg this video is my life chang every Saturday'❤❤❤
The monthly expense is more than income? So are they having 0₹ end of month
his total expenses and investments exceeded his total monthly salary , how?
Wo 30k + 40k + 8k ka jo monthly expenses nikaale hain wo pakka 35k ke arpund rehta hoga😅😅😂
Bolne me sharam aa rahi hogi😅😅
Bhai poori vedio me kitne bari bola hai aur screen pe dikha rhe hai ki his wife also working with 1.70 L salary per month
@@sjshwxm6765 still expenses 3 lakh 5 thousand and earning 2 lakh 85 thousand hai madam 😁😅
I am 22 years Old I started my journey of As an IT professional as well as I also started SIP as earlier sir said in last video that Little bit In Nifty50, Midcap and Small cap
Hello Ankur Sir, Really such a useful series... And best thing you are covering middle class people.... Amazing sir 😊
Dear Sir.
Please advise me good SWP found as I want to invest lump sump amount (40 lakhs). I don’t want to invest in banking and finance sector.
Shall I split these amount in various SWP or in one SWP🙏🌹🌹
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3:18 Whatttt ? 😅
Bol guest rahe h pr words GenzWay ke hain 😂
😂😂😂😂
How did Ankur even let that bold statement go 😂💀
M bit shocked too 😂😂
@@grownatural6235he had made the face
Bhai mujhe lga ankur abhi roo dega kasam se 😂
The PF amount he mentioned must include company contribution too .. because you can't have so high pf on this salary ..
At last a video involving salaried class people with relatable income levels.
Every other finance you tuber is interviewing guys who have already made x crores at the age of 25 or 35. While these guys need to be appreciated for their risk taking abilities and hard work but they represent only very miniscule percentage of population.
The majority is salaried class and do not have the courage to start their own buisness and take major risks.
Thanks for taking to man with whome masses can relate 😊
Sir ik podcast self employed ka bhi lelo taki Jo self employed hai wo bhi financial independent ke aur chale
Inflation is not considered for daughters education - educational inflation is one of the highest - 1 CR of today means they will require close to 2 cr in 10 years assuming 12-13% educational inflation
Respect for GEN Z way.
Bro took 2 term insurance for her Wife 💀
planning...
2.5L school fees fr 8yr old kid💀💀💀
@@nithish9355itni toh mera per year package hai 💀💀
Aur 1 crore for daughter after 15 years💀
Sirf mai gareeb hue kya yaha 💀
@@nithish9355 2 kids
1 kid daughter @@naveenlb6560
Gen z way roasted you😂😂😂😂😂
Without any actual argument and nit picking a small part and missing out the whole context grow up kid🗣🤡
Ohhh, Here I see Ekansh who has worked with me in Accenture (TC). Good to see him here
सर आप हम जैसे मिडिल क्लास लोगों को यह बताइए कि किस ऐप में और किसके जरिए और किस तरह से पैसा इन्वेस्ट किया जाए और कहां पर किया जाए और कितना किया जाए कि पैसा गो हो आप मोटी मोटा समझते हैं कि ऐसे जमा करो वैसे जमा करो पर आप यह नहीं बताते की जहां पर पैसा आप लगते हैं वहीं पर हम लोगों को भी बताएं प्लीज सर बताइए
Great motivation to people, great work by you Sir
we really inspired to ur video's
u calculated each n every amazing 👍🏻
First 20 mins is data collection. Best it’s done ahead of recording
3:15 mess up because of listening to the experts like u...😂
Nice episode. One feedback: Their health insurance of 10L base and 90L super top up is not sufficient to take care of health needs. All planning can go haywire just because of this one wrong step.
Congratulations I would be liked your pre planned activities thank you so much
I have only 80 k rupees of my savings and i am jobless too, house wife and mother of 2 kids
Husband is working and bear all expenses of the family
Can you advice me what to with such little amount?? 😊😊
Invest in gold safe and good returns when needed , better then risking in stocks sips
If by anyway job lost😢/ layoff and income stops is there any way to come out of this ?
Cause selling the parents home and taking loan for big house i think it will be wrong advise, for any such calamity atleast he should have one own home now for him and prents, later he can buy
Also there are many credit society which offer almost 10 -11 percent on FD. 6 percent fd mein kuch nahi hai.
Infact Idfc first bank offer 7.25 fd return.
In credit society with 10 percent return
If u have fd capacity of 30 lakh then thats almost 1.2 lakh more of revenue if fd is only 6 percent in SBI type bank.
We r doing in navi mumbai
After retirement you will not have any money coming to you in the form of salary, How one can keep their respective SIPs that too step up is very difficult.
Why don't one be practical enough to think all these small small points. And these small points will have a material financial impact on a long run.
Was the House maids expenses covered in above excel.
No expenses like traineres for gym and fitness covered.
Foreighn tours every year or two year.
Diwali functions.
New car purchase after 7-10 years.
Renovations expenses of atleast one house apporox wud cost 10 lakh.
Planning
I will surely keep atleast 10 lakh as a emmegancy fund.
Only totally depending on SIP i wud surely invest in some business or start-up.
With such kind of income like almost 3 lakh per month.
I wud definitely do atleast 1 lkah a year of Temple donataion. Currently do 20 k yearly temple donation .
As I grow old my requirements should get less and less.
After the age of 80 years.
(HopingI wud definitely look for earning sufficient so that my after retirement monthly return could be 1lakh a month.
That wud cover my House helps salary and medicine covers without depending on kids)
There is a calculation mistake here, his investment + expenditure are more than income yet you suggested for SIPs. How is this even practically possible? I think he doesn’t have to do anything with his current investment. His pf, ppf will cover his retirement and later on with FD returns he’ll easily retire with all education covers. Why put your money on risky places when you’re already covered with safe investments?
Thank you Ekansh and Ankur. Lovely session
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But by any chance all the money invested somehow failed to deliver returns so the whole amount will be undervalued and it will take years to recover money ...... If the lumpsum amount of lic can be invested in the form of FD which is the safest option along with a 10k RD per month.... The returns will be slightly less but the safest and tension free option , alongside ongoing sip ... Which from my POV is a safer option ......
Long term is the keyword here..market always recovers even in recession in 5-7 year timeline, even LIC invest your money into market only !!
10K RD is too much safe option!! If you have emergency funds in RD as liquid then no need of extra recurring RDs
if one is not willing to take reasonable risks then he should forget about getting rich or getting a good life
3:15 He just disrespected you Ankur.. 😳😳😳
Nhi...he said wo traditional investment karta tha like LIC and FD, but he realised wo sab messed up ho gaya hai because of[after] listening to experts like you.
Hi Ankoor Sir,
I am from Canada, please make videos for NRI investor.
Hey Ankur i loved your Money matters episodes and i am following you from couple of years. But being from a mid class family which is huge in our country, i would love if we have such guests in video.. So that i and other peoples can connect with them more precisely . No hate but just a feedback loved your content
Sir I want to invest in nifty 50 stock for long term, however when I am searching in grow app there is no such buy button, please guide me how to?
His current net worth is low for his and his wife's salary. But I understand he supports his parents and brother.
In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.
If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.
Agreed, I’ve been investing in the stock market for 11 years now, last 5 years with the help of a financial planner apparently due to the covid-19 pandemic crash. Throughout these years of guidance alone, I've been fortunate enough to 10x my return as a DIY investor, summing up nearly $1m roi as of today.
excel mei sab badiya lagta hai..actual mei market mei itna asaan nahi hota hai
SIr i have been planning my future based on your videos and i have a few questions :
1) Request you to please consider Time value of money / Inflation when showing return of SIP after 10/15 years
2) Risk involved in investing in SIP specially MId and small cap cause i think indian stock market in highly inflated
3) Consider investing amount right now in certain Real estate or go for these investments
4) Please consider the Tax amount that needs to be paid when cashing out these SIP / Investments.
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Have seen a whole lot of videos, probably this is the first one where excel numbers are not matching with the story.
He has good saving contribution in safe instruments; however I still feel he can save more by doing something with regards to office travel cost. He should not save in HDFC click to protect & SUkanya scheme as the returns that he can expect would not be grt. He can invest the same in Nifty Index
EPIC is his favourite word
Thanks for sharing these valuable video.....why don't you share a video with a homemaker in her middle age....and share how even homemakers can save and make good money over a period of 10-15years. Thanks again.
But r those values at retirement inflation adjusted? They look big but the current value equivalent will be more modest right?
Mere achaa hai sir main 19 year ka hu or mera invest 5 sal huye kar rahe hai . or aage or 😊. I am marwadi . ❤ is sal sip bhi chalu ki . 10% steup
Your videos are really motivating us to be a calculated and disciplined investor.
But sir one thing I want to say is that wouldn't it be a good idea to park the lump sum amount in tier 2 of NPS rather than to go for bank FD?
@warikoo Wealth Planning comes after Health planning
You are doing good job
How easy it is to say after 20 years the value will be 10 crore.. no body talks about the tax we need to pay. 12.5% as of now on the profits, which means 1.25 crore gone in tax. Down the line in 20 years no one knows how the tax structure will be... please advise from that perspective as well
Sir, Love From Bangladesh ❤
Aree bhai sambhal kar rahio ❤
@@SCRAWLEDPAGE ok bhai
Should not invest 16-17 lakh as a lump sum.
Invest it in a liquid fund and then STP into an equity fund.
Hi Hrishikesh,
Can you pls explain this with an example. I didn't understand this fully. Any help will be appreciated.
Thanks in advance
I really a fan of you I have started investing watching your videos but I don't have much knowledge. If you can guide and show path for myself. Living in UAE for job from Mumbai. I was planning to opt for loan but don't wanna ruin my time if can guide me owning own house independent. IT Professional age is 24years
Gen X after starting earning tend to invest a lot of time and emotions on futile (and sometimes even toxic) relationships & gossip, very unmindful of taking care of their meagure finances only to repent later..! 😮😮😮
sukanya samridhi is taxfree 9.1 pc return... SIP is 12 oc with capital gains.... with lots of risk
sorry so say the actual in hand amount is differ by the total investment amount and monthly expenses is more than 3lack per month. kindly re verify
11:36 3 bhk flat rent 18700?? What?? In Pune- Bangalore the average rent is 30000 for 3 bhk
may be Jaipur is cheaper
In mumbai its 80k
Mumbai real estate is in a league of it's own.
Wonderfully done !🎉
Would request you to make a money matters episode with a professional with dual income salary and moonlight income such as CA, CS, Lawyers.
If this guy needs financial planning I guess I need financial support 😂
ये बढ़िया एपिसोड है अंकुर क्योंकि मैं भी 45 का हूँ.
और मैं खुद से 35K हर महीने MF में डालता हूँ मेरा NPS 26K/month जाता है. मैं 5 करोड़ 2035 तक बनाना चाहता हूँ.
GEN Z WAY attendance here
😂
I don't think Employee share and Employeer share should be equal. In my case 12% is My share and company is contributing 5 percentage of it. I.e 1800 + 550 = 2350 . Is anyone having clarification on it ??
Company's rest share will be on pension plan
@@NilanjanRoney Can we withdraw all the amount including pension contribution i.e 1250 ??
@@mukeshbehera4511! No sir, after retirement or end of employment you'll get the pension as per pension rate of that time..
Sir awesome plans I also want plan for myself
From these headphones and 3 days work from office in gurugram i've identified he works in same company where i work s&p global 😂
Actually you should watch Pushkar Raj Thakur video if you going to step up SIP
Guy: has an asset with 0 liability as a shop with rent as cash flow.
Wirkoo: sell it and buy a big house with a huge loan, making him a liability owner than an asset owner.
Bad advice all the way here.
I like these videos because they teach financial independence but what all of them fail to account for is the LTCG on MFs that you pay on redemption. You can do some tax loss harvesting but the LTCG on investment sucks out a lot of amount from this amount. Also this guy is selling shop and house which will also attract LTCG and he’ll not be able to offset that gain because he already holds more than one property. Indian tax laws sucks and no government is going to make it middle class friendly. 😢
Lovely ❤
Why is he disclosing his financial information? For what? This can be done for Rs 5000 by any CA
Midcap 150 Index fund or actively managed mid cap fund which one is best?
Ankur, need your help to start with investment. I am a beginner & have gone through the beginner video of yours. Still need your guidance on Low risk investment companies