आपको कितनी salary SAVE और INVEST करनी चाहिए? [20,000 vs 50,000 vs 1 लाख Salary level पर]
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- Опубликовано: 3 дек 2024
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मैं अपनी 95% income बचाता हूं।
मैं यह कैसे कर पा रहा हूँ? Minimalist जीवन जीने और smart investment rules का पालन करके।
इस वीडियो में, मैं बात करता हूं कि आप अपने salary के आधार पर अपना पैसा कैसे invest कर सकते हैं।
इसे अंत तक जरूर देखें :)
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Which is a NEW income stream that you are building?
Sir lekin Darect and Regular plan kaha se kharide
Zerodha ke madhyam se agar invest kare ko exp.ration kitna dena hoga
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I was looking someone, who can guide me like elder bro, now I got it.
Bhai aapke crore rupaye monthly account me aate hain, aapke liye 95% save karna asaan hota hain, jiske 10-20000 monthly aaye unke liye 5% bhi save karna muskil hota hain.
Very true
😢
Same here
True
True
Great meaning of freedom…
Most of time we hear, we are financial free only when we earn on the top levels.
This video shows you can have financial free even at low income.
Awesome tip. Welcome to 2 lakh per month income. No need to take apartment of 1.5 crore. Rather maintain this for 10 years. Out of 2 lakh ,spend only 50k and invest 1.5 lakh. Out of this 1.5 lakh 75k in protecting wealth and 75k towards equity. Protect so that you can buy land not apartment. No harm in putting your money to Debt mutual funds. Cheap expense ratio and beats inflation.
Welcome to TATA family!! I am also proud owner of TATA Salt!😊
🤣😂🤣
Owner TATA SALT package 2kg per month
@@sanjayshimpi1026 😂😂🤣🤣
Gist (Akshant can check):
1. Increase projected real corpus, by getting to a critical amount. e.g. focus on skills if I earn only 20k now.
2. Use both stances - aggressive and defensive for investing at any stage.
3. Using investment services can also be quite expensive - e.g. too much money in mutual funds.
4. Switching to manual mode if invested amount is becoming too large to be lost as commision in point 3.
5. Focus on preservation must increase as investment amount increases.
One of the best investment videos I've seen. Will definitely follow a lot of the techniques from here.
I saw thousands of videos about financial management but this is the unique one, and this is the first video in my Life jis par maine comment kiya.
@12:10 LITTLE CORRECTION....NOT TRUE. mutual Fund charge 2% Annually... Which is divided into 365 days and deducted daily.... In the same example "2% ÷ 12( calculation for 1 whole month) = 0.00166" which means for 30,000/- it would be 50 rupees approx for 1st month.
Although I am not against mutual fund High expenses ratio... For that i preferred index fund .... 0.3% Annually ...
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11:23
Those who think it's a good deal
You invested 72 lakhs in 20 years and got 75 lakhs
Thanks for creating such interesting and valuable content.😃
And welcome to Tata family, I also won a Tata car. I remember once you told that you booked grand Vitara after shifting to Goa, anyways the change in choice was good.😊
You have cleared my so many questions. I have cleared my so many future decisions. Thank you Sir
I look forward to be like you. U r my inspiration and have been watching your videos since more then a year. I have learned saving habits from you. And have increased my portfolio from 3 lakh to 21 lakh in a year. Thanks
Informative video sir. But aapne ye nahi bataya 95% salary kaise save kare 😁
Sir video clicks k liye aise thumbnail na banye jo misleading ho
Ye you tube se Kamata hai ,kuchh investment nehin karta hai ,logon ko budhhu banana iska kaam hai, iska RUclips dukan band karo
🤣🤣🤣🤣🤣🤣🤣
Ye apni 95%bachake apni gaand me batti Bana k Leta hai
😂😂😂😂
It is very difficult to save 90% tbh. It's possible when you live with parents and you are single.
I used to save 80% but now when I am married it's down to 20% i think 40% saving from total earning is best saving
Very easy to save ...if you earn more than 1 cr then if u spent 15 lacs per annum then u can invest that 1 cr in wuch a away so that it can give return 15-20% ..then ur entire income will be saved 😂😂😂15 lacs burnt n new 15-20 lacs in.😂😂
Agreed I live with my parents , and manage to save up to 60-70% of my family income and I have 1.5 year old daughter
Mene 2021 me mf me investment start kiya, 50% mene debt me rakha aur 50% mene flexi cap me. abhi tak debt mf ne 6% ka return diya he and flexi cap ne just 2%. Agar diversify nai karta to aaj mere returns 2% ya usse kam hote. To wealth preservation is very important. Iske liye core satallite approach apnana chahiyee. core me apke investment safe rahenge aur satellites me apke investments grow karenge.
इतने सारे कमेंट में किसी ने भावार्थ का मतलब नहीं बताया
❤ भारत का मतलब होता है अभी तक जो वीडियो में पूरा भाव आपने बताया उसका अर्थ और हां अंत में खाने के लिए इतना कि आपकी वीडियो बहुत महत्वपूर्ण है
आप इसलिए बचा पाते हैं क्योंकि आपकी बीवी भी अच्छे इनकम ग्रुप में है। और जब दोनों लोग अच्छे इनकम ग्रुप में हो तो बचाना आसान होता है। बेवजह का ज्ञान मत दिया करो भाई😊😊😊
Akshatji, your video is of a very broadminded and generous person who like to share his financial secrets to help others on financial matters. Hats off Sir
ruclips.net/video/HdadrSXEeAk/видео.html
My salary rs 37000. I have cash in bank 2.5 lakh, equity 88k and cripto 56k. I shall invest 12k pm in equity in 20 years.
I think you should not keep 2.5L in savings account. That’s rotting money. Move 1L to FD and 1L in investment and rest in savings.
Rest continue with some sip. Don’t invest 1L in one go. Divide 50-50, then invest 50 through sip.
@@onceajordan thank you sir
@@Nishikanta1983 that 1L is your 1st part of emergency fund, you need to create more corpus for emergency (5-10x of monthly expenses) before putting a single rupee in investment. Then buy health and term insurance.
Rest keep patience and continue investingx
You have wayyy too much of your net worth in crypto.
@@nemishasharma5737 yes
Sir your knowledge in finance is mind-blowing. Thank you for sharing.
You're honest & best financial video on RUclips. Aaap sadev khush rahe
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Video Started 02:20 pe so dont time waste take skip...
Love to see and hear your presentation which make Investment, Capital appreciation and Capital preservation concepts easy and clear. This will encourage us to go ahead with confidence While investing.
Great thinking about Freedom, I read this in the book "The Psychology of Money" and I also try to follow the same at much extent. Thanks 🙏🏻Hare Krishna.
Appreciate your comment
What' sap me with the number showing above
for guidance, consultation and more
investment updates
Very informative with nycly explain in Hindi .very clearity..🎉
@akshat this is very informative video. The 3 scenarios of incomes and what to consider and not to consider while investing when in those salary ranges, is very valuable advice. Lot of channels don’t provide such clarity. Thanks again.
दिमाग का दही करने के लिए आपका बहुत बहुत धन्यवाद 🙏
Saving 70% of my salary, target 1 CR till DEC 2027. KINDLY REMIND ME IF ANYONE WATCHING IT IN 2027
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Scammers in the comments section 😡be careful 👹👹👹👹👹👹
@@kingkong4922 tq boss
Hi Akshat..
This mutual fund calculation about expense ratio is wrong to my understanding. 2% expense ratio is annual.. not monthly.. so in example you have mentioned, if you invest 30000 in a month, considering 2% annual expense ratio, monthly charges will be 50rs not 600rs as you mentioned.. (it is simplified maths... complex part is it is deducted on daily basis as per the closing value of the investment daily.. so basically if 30000 is today's value then considering 2% expense ratio, MF will deduct 30000*.02/365=1.65 rs worth units ).
I think if you find it satisfactory, you should correct it in next video, so that followers can get correct understanding
Absolutely correct Saurabh. It is charged annually
2% for any amount of time will be same, right?
It does not depend on time. Whatever amount you will invest 2%of it will be kept by MF co. as expense ratio. If you invest 30K per month then 600 will be charged per month and if you invest 30K annually then 600 will be charged annually.
@@sanjarcode it's deducted on daily basis as shown in my calculation irrespective of the time you invest for.. so basically in above example, 1.65 rupees per day will be deducted from NAV..
@@naveenbharat2777 you are right, above comment is incorrect
UNIQUE content than big channels 👏👏👏👏👏👍🏻👍🏻👍🏻👍🏻👍🏻
Congratulations on the Nexon, Thanks for taking my review. Safety first money comes second
Hi Akshat,
I bought ttk Prestige @960 average. Its giving me huge losses as of now. What should i do. I am a long term investor.
Congratulations Akshat. 🎊 I have recently purchased Tiago NRG after Owning Alto K10 for 7.5 Years.
Sir kya ek fund me total amount SIP karna profitable hai ya total amount ko alag alag fund me invest karna? Plzzzz batiyega.....😢😢😢😢😢😢😢😢😢😢😢
In my initial service/ job focused on real estate & purchased few flat’s & commercial with life insurance & health insurance. Since decade a retail investor.
You are right one should invest in different baskets/ Assets
Video me bahut chhe se samjhaya aapne ❤❤ good gob 👍👍
हम तो मारवाड़ी है जी, सोना और प्लॉट में ही निवेश कर ते है, रिटर्न अच्छा मिलता है।🤗🤗🤗
Hi Akshat, this is one of your best videos, thanks for creating nice content, I am sure this video will help many beginners, I can relate to myself here, thanks again for sharing 👍
Very nice,rational, intelligent and genuinely acceptable video
And here I was feeling low at 4 lakh monthly income and searching for financial advice to see how much I should spend and how much should i save.
4 lakh per month 😂😂😂 bhai tu middle class ka manani type me aata hai tu ku tension le Raha haieri 45k per month hai ek bacha hai 1 saal ka mereko sochna banta hai
Bhai 23000 @@himanshurajora9588
Bahut hi acha aur gyanvardhak video! Dhanyawaad, Akshat.
You are just exceptional in educating finance
“Gagar me sagar” sort
Crisp and to the point
Keep teaching all
And don’t bother the negative comments at all
Thank you Akshat sirji " mind blowing video 🇮🇳🙏🙏
Honest candid simple and last hunger for vasudhaiva kutumbakam thanks
Hi I don’t understand much finances . Do you help people invest ? One to one basis
You are awesome Akshat Sir. I am learning a lot from you. I regularly watch your English n hindi videos. Thanks a lot.
Hi, kindly let me know if it is the right time to invest in Vodafone, please.
Regards
Bahut acchi vidios banate ho aap aur banate haro
Other influencers : here is my Ferrari now get motivated and buy my course
Meanwhile akshat : here is my Nexon now save your salary and don't buy anything
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A funny comment at last
I am a strong believer of your philosophy....
Nice information and analysis Sir.
Very nice information
Thank you 🎉❤
In covid period, highest sip stop in direct plan in mutual fund . Advisors work not only to fill form of MF but continue your investment without fail. Pl see the Dara of nifty return nd large cap fund , midcap and multicap. Too much safety wash your return so if you spare time for your investment then you go in direct. Pl clarify in your video
Meri 20000 per month ki sip chal rahi hai aur sabhi small cap ki hai, to kya switched off karu
Hn
Mid cap kuch karlo
Bhai...mai b khud hi krta hun apne investment...100rs se investment start Kiya tha...2018 se...tbhi mujhe investing ka kuch b nhi pta tha....aaj mai 9-10 chizo me paise invest kr rha hun..chote chote amount ko hi....n m happy...
Gross Income around 5 also land in crediting account around 50% per month. Not much is going into savings. NPS and PF are the only savings and around 12-13% of gross income.
⬆️⬆️⬆️Thank you your comment... Contact the what'sapp line above for more information and advise on profitable investments”
भावार्थ =conclusion
Great video . Simple to understand and informative video
Nice information......we have to learn our money how to manage...save..invest..grow.. good job
My age is almost 39 . My salary is 50 k monthly .can u suggestion me in my next 20 years how can I make 2 cr
Very helpful. It gave good idea about salary and skill and investment
Very very important topic and informative video , thanks Sir👍👍👍
Hi Akshat..i have few shares of Pidilite, SRF, HUL, Ultratech, Hdfc bank, Icici bank with a 5 to 7 years horizon. If I want to add more..should i add more in these or do you suggest some other. stocks
Very informative sir i like your videos it’s so knowledgeable and where do you stay in goa I’m also living here
Thanks Akshat for such a nice informative post. How can I connect to you ?
Akshat u are one of the good and simplest human being no doubt about it
Thank you so much sir ..for sharing useful information with us
Very informative video, sir. Thanks
You provide the best content on finance. Thank you 😊
Wow... And X Factor video for bright future thanks in heart💜❤
The best idea in this vlog what I understand is to focus on Skill development when u r at 15000 ,rather than investment, Really very appreciating & Practical suggest.
One question. The expense ratio is i believe per annum rate so if it is 2% than if our AUM with fund is 30000 it would be 600 per annum as expense and not month. Can you please confirm?
Sir please suggest, do you consider ETF’s like niftybees over mutual funds for long term for 30 years for 30 lakhs capital? Or should only go with index mutual fund?
Mutual fund me invest Karo to agent commission kha jaata. Kisika bhi dmat account kholo to bhi service chgs lagte. Axis Bank ke sabse jyada chgs dikhte for eg. 1 share ke piche 5rs to 7 rs le lete. If i sell share, per 1500, net i get 1484. Becoz while buying i paid 7 per share and selling also 7. everywhere we have to pay
I AM 39 NOW . WHICH SKILLS SHOULD I BUILD ? PLEASE GUIDE ME 🙏🙏🙏🙏🙏 I AM EAGERLY WAITING FOR YOUR VALUABLE REPLY????
FROM WHERE I CAN GET YOUR WHAT'S UP NUMBER ??
Keep teaching us Akshat …
You dont know how many life you will affect positively by teaching one member of their family…
Keep it up…
Thanks man..
Sir my income is one lakh I am saving 60000 monthly and I invest in sip
@seemakurthi chakravarthy certainly ..
🙂
@@srinivasanp7035 great …
Keep it up…
Eye opening video, very good information and explanation 👍
Kunals small case........
Free me bataauuu
.....ok
Buy and hold for a year....
POONAWALA, ANGEL👍👍👍👍👍
This information is very useful to all of us, and we Will implement this
Good explanation, Appreciate your knowledge.
FEEDBACK APPRECIATED ⬆️⬆️
Kindly reach out to the what’sApp line above for more info and consultation……
Apka video mujhe bahut achha laga hai.
My ak inverter hu . Apka video mujhe inspiration deta hai. Thank you.
Excellent, I like your video because you have knowledge and know how to deliver in very lucid way
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Thank you very much sir, mai icecream bechkar 15000 mahine ka kamata hu aur fantasy games me paise lagakar 10000 kama lera hu monthly, kyuki Mai sirf 3000 hi har mahine fantasy apps me dalta hu aur 13000 nikal leta hu , lekin Aaj hi aapka video mere samne aaya hai sir abhi mai 5000 fantasy games me har mahine investment karunga aur jo return aayega 10000 se aage usko stack market me investment karunga
Excellent sharing
Thank you 🙏💐🙏💐
Appreciate your comment
What' sap me with the number showing above
for guidance, consultation and more
investment updates
11000 salary hai
Monthly 2000 save karsakta hun
My kya karun sir
Kaise use karun
Thanks for sharing 🙏
Pls make a video on your views about Pension or Annuity Schemes that are presently on offer. Whether or not people nearing retirement who also have exposure to the markets through MF etc should consider this ? Thanks
Bas 95% 😂 mai puri 100% save karta hu. Kharcha ghar wale uthate hai mera
अगर गाङी न खरीदते तो ओर ज्यादा रूपए बचा सकते थे 😊😊😊
You're video is so realistic...Akshat sir i m a student and then what should I do? Should I just focus in studies or learn something new like share market and as I am right or wrong to invest a little money in direct share ... because I have seen many videos your and akshat sir you teach very good .. thanks sir🙏🙏🙏❣️❣️
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Share market is not a goal of life kind of thing to learn, it's just a small but important thing, like buying insurance. Would you learn about insurance and make it your career??
sir ✋ . Mai ek Kisan hu or hamari koi passive income bhi nhi hai hamara kheti ka pura Paisa summer me ata hai to use hai invest kre . please make video 💯❤️
@akhashtShrivastava
भारत जैसे देश मे जहां सरकार 70-80% आमदनी टेक्स को रुप मे लेले रही है। वहां आमदनी का 95% बचाने के लिए महिने का कम से कम 1 करोड़ कमाना होगा। और भिखारियों जैसे जीना होगा
Saving 90% of salary at 24 years of age.
Sir ek video future skills pe bna dijiye.. future me kaun kaun si skills ki demand hai mujhe ye janna hai.. 🙏
Thank you akshat for providing such a wonderful knowledge in such a simple way, my son has recommended me your channel, I am just a beginner
Akshat Sir, very soon you are going to be top youtuber also 🙏🥳✌️👌
Nicee वीडियो अक्षत जी🙂🙂👌🏻👌🏻🇮🇳🇮🇳🙏🙏
Very well said. Thanks a lot sir.
Good information!!! But, the expense ratio is per annum and not monthly i think