Good evening Sir, Thanks for very good advice. The way you described in mother tongue and some talks in funny way impressed me. To be superannuated next month. Try to follow your valuable suggestions.
I am from Spain, my friend in Texas referred me to this channel you make a lot of sense but I do not understand anything until she referred me to a financial counselor in USA that help me to craft my portfolio and over a year we have been working together making consistent profit enough to get me a new apartment and care for parents.
@@DailamiPuang it is not a he. It is a lady. I see most things she says and use to carry out trades are done by Steve. that is how I know she knows what she is doing. in her technique of over night trading she says she use stop loss and take profit strategy. She trade on her account and it reflects on your own
@@DavidVelasquez9 thanks for sharing, I am currently on her website and what I see is impressive. her resume and her experience is just awesome. I hope she replies me
Sr citizens need stable income without much volatility and if the corpus is not big then will need to ensure the capital keeps growing by itself. I would do it like this: 30 lacs - SCSS or ( multiple small FDs in small banks to get more interest rate) ( ~20k monthly income) 10 lacs - SGB ( ~2k monthly income along with LTCG benefit) 20 lacs - Annuity Plan ( ~ 10k monthly income for life time) 40 lacs - mutual funds ( to grow this money at rate > 10%) With the above plan, we can generate a stable regular income of ~32k per month and ensure that half of the capital keeps growing to beat the growing inflation.
Please make a video on what retired officers from Fauj do in life/ agricultural activities, which industries or businesses to start / be a partner / please suggest some areas. Thank you
Sir ak video bhi esi bnao jo ganve ,(village) ke logo k liye jo jminn EQUAIRMET hoti h vo smj nhi pata enwest kha kis prakaar se kre un sbhi logo k heeet k leye bhi video bnao sir please
Instead of FD, isn’t Senior Citizen Savings Scheme (FD type) better than routing Bank FD. It offers higher interest, tax benefits but has a lock in of 5 years
My mother is also getting phone calls from sbi bank agent to convert savings account into wealth category account and my reply was my son is already doing our wealth management. So no need to call again thank u🤠🤠🤠😎😎😎😎
Sir can you tell what approximately an SBI bank manager gets at retirement now a days My father left job(he thinks he retired) @49(after 28 years of service)as deputy manager SBI and got 25 lacs as pf 10 years before
Is it OK to do Teaching or Coaching in your subject of expertise after retirement?...... I am asking on behalf my father who is going to retire in few years?
Hi sir, thanks for your good advice. I'm retiring at 39 yrs. I had taken home loan 37lac, 18 months back. Is it good to pay partial amount for home loan from my retirement money to reduce my intrest? Please give me an advice . Thank you.
Very good template guidance sir. At the time of retirement suppose a person earned ₹2 lakhs in PSU. There's no monthly pension after retirement. Total settlement amount approximately₹ 1.5 crores. Please guide such retired person how to invest to earn atleast ₹ 1.5 lakhs per month to lead a decent retired life
5% yourself and family. 10% invest in gold, It work wonder when market crash. (NOT ACUAL GOLD,but bond,scheme etc) 15% bank FD, corporate bond and many things which give interest of almost 10% return. (use it for couple of year.) 50% on NV20 index fund. Rest- #IMPORTANT -> 20% asked Expert and invest acc. to it.#
Follow 5%,10%,15%,20%,50% rule 5% yourself and family, 10% invest in gold (This help you when market crush) #NOT ACUAL GOLD, but gold bond scheme etc#, 15% invest in bank FD, corporate bond(which give interest of almost 10% return), 20% invest as you wish(asked Expert), REST 50% on NV20 index fund.
Famous rule is "4% of fund" ie Let's assume at retirement you need 4Lakh per year so at that time you will have investment of 1 crore.ie (minimum 4% return). For better understanding see advice of certified Financier planner (of long good track record for good result)
@@rameshsampath1589 I just write what my friend a famous financial planer tell me. He told me, our retirement goal be as easy as we can since we Indians (middle class) are not complicated. Maybe this info. help you in future.
Many senior citizens have FDs in banks.... but over the last ten years, interest rates have been drastically reduced(from 9% in 2013 to a meagre 5-6% today). My aged mother has less money for her expenses. When I enquired with the bank officer,she claimed that because there was pressure to reduce lending rates, so the FD rates have also been reduced to offset losses. THIS IS MAINLY HAPPENING BECAUSE DEPOSITORS HAVE NO VOICE AND WILL NOT ARM-TWIST THE POLITICAL PARTIES TO WITHDRAW SUCH UNFAIR DECISIONS.... UNLIKE FARMER UNIONS OR GOVERNMENT EMPLOYEE UNIONS.
In 2013, inflation was 10%. FD was 9%. In 2019, inflation was 3.5%, FD at 5.5% In 2021, inflation at 5.3%, FD at 6%. Please check inflation when you talk about FD rates. Your money was losing value in 2013, and not in 2022. Even in 2022 such a challenging year many FDs have 7% interest rate over inflation of 6.7%.
@@ghzltnsr20 Commenter is incorrect. Inflation is the only metric to assess FDs. Interest rate - inflation =Real rate of interest. If not inflation and price trends in the economy, then what else is the factor? Huh.
@@ankushmukherjee3219 This is reality vs theory! The reality is we're paying more for everything compared to 2013(food,dresses, medicines,etc.) while our FDs are giving less returns. Inflation may have come down but the prices of goods have only increased, not reduced. Isn't it true that inflation is relative? Like if something costed Rs.100 in 2020(not 2013) it costs Rs.103/-(a 3% rise) in 2022. But if you compare the prices of 2013 with 2020, the increase won't be just 3% or even 6%.Has the price of milk, petrol or auto or taxi fares increased only slightly more than they were in 2013? Aren't we paying much more? So that's what affects us common people.
Be a regual buyer and investor of stocks and crypto, never daily trade it will disturb work and pece of mind, roughly 50℅ of montthly salary, repeting again never daily trade
Guru ji aap to Gyan ke Chakshu Khol dete Ho
Yes that for real so many hate trading but how does this Bitcoin stuff really work I think I'm interested Can I start with $3000
What to do after Retirement
Thank you Guruji.. you are much better than most of the new finance influencer nowadays!!!
FD 10
SGB 10
MF 20
STOCKS 20
Real estate 20
Self kids wife 2.5×4=10
Credit sweep ac 10
Andhadhunddddddd Mazzzzzzzaaaa Aa Gaya, Amit Ji! 💛❤💛 Please make Part-2 of this Retirement Planning Video Series for young generation point of views 🔥
Guruji you are too good!!Always see logic in what you say.
Good evening Sir, Thanks for very good advice. The way you described in mother tongue and some talks in funny way impressed me. To be superannuated next month. Try to follow your valuable suggestions.
Very good advice.
Thanks Amit sir ji 👌👌
Thanks sir g from your valuable blessings 🙏🙏🙏🙏
Jo parivar ko 2.5 lakh each dene ki baat ki....usne dil jeet liya
I like that, " data to leaked hai hi sabka" ☺️.
Sir, a video on how to re-assess and rediscover yourself after 40s or 50s.
Well explained.
Please continue educating us
Very good advices .Thank u sir.
Thank you sir for your advice.
Plz make video on
1. Commutate पेंशन or not
2. How to spend life after Retirement Post VRS
Sir ,thank you for advise.
I am from Spain, my friend in Texas referred me to this channel you make a lot of sense but I do not understand anything until she referred me to a financial counselor in USA that help me to craft my portfolio and over a year we have been working together making consistent profit enough to get me a new apartment and care for parents.
Hi who is your financial counselor and how does he help? I need your honest assesment
@@DailamiPuang it is not a he. It is a lady. I see most things she says and use to carry out trades are done by Steve. that is how I know she knows what she is doing. in her technique of over night trading she says she use stop loss and take profit strategy. She trade on her account and it reflects on your own
@@DavidVelasquez9 who is she? how can I reach out to her? Can she help me?
@@DailamiPuang Her name is ASHLEY AIRAGAHI. Look her up online, she is quite popular in America and a certified financial adviser.
@@DavidVelasquez9 thanks for sharing, I am currently on her website and what I see is impressive. her resume and her experience is just awesome. I hope she replies me
interesting video. Thank u
Very good advice. Keep on guiding sir.
Really practical advice-based facts.... thank you Guruji. Please make a similar video for people retiring from private jobs without monthly pension
Very Informative and useful vdo sir
Thanks very much Sir .
Very useful
Make Video on topic what to do after retirement
Beautiful explanation. Please also explain how to manage monthly expenses
Thanks for your very informative vedio
Suresh Kumar
Thank you, please make video/webinar about how to spend fruitful retirement life
Sr citizens need stable income without much volatility and if the corpus is not big then will need to ensure the capital keeps growing by itself. I would do it like this:
30 lacs - SCSS or ( multiple small FDs in small banks to get more interest rate) ( ~20k monthly income)
10 lacs - SGB ( ~2k monthly income along with LTCG benefit)
20 lacs - Annuity Plan ( ~ 10k monthly income for life time)
40 lacs - mutual funds ( to grow this money at rate > 10%)
With the above plan, we can generate a stable regular income of ~32k per month and ensure that half of the capital keeps growing to beat the growing inflation.
This is very useful
Thank you Sir
Yes please . Suggest post retirement engagement.
Sir thank you for your precious advice please make video for mumbaikars about property where to invest in mumbai
Please make video on investment for childs education, specifically on good Sip or mutual funds.
Good information sir
Please make a video on what retired officers from Fauj do in life/ agricultural activities, which industries or businesses to start / be a partner / please suggest some areas. Thank you
❤you are Genius sir ..
Pls make a video on what to do after retirement...thank you
Yes sir commutation of pension pe bhi bana dijiye ek video 🙏
Yes want that video also
Sir, please what to do after retirement... par Zaroor video banaiyega
Amazing tips 👌🙏
Sir what is commutation of interest? Please make a video on this..
Good financial plan for retirement
Nice video. Sir, please do videos/webinar on what to do post retirement. That would be useful.
Friendly nature h sir k😊👌
Pure gem
Topic interesting
sir, ur advice is very cool, handsome, splendid n real, thank u sir,
Sir ak video bhi esi bnao jo ganve ,(village) ke logo k liye jo jminn EQUAIRMET hoti h vo smj nhi pata enwest kha kis prakaar se kre un sbhi logo k heeet k leye bhi video bnao sir please
In suit & boot Amit jee looks like CEO of Google.👍👍👍
How to live life fruitfully after retirement 🙏🏻
Yes sir jaroor batyan ke retirement ke bad admi ka kya rutine hona chahiye
Sir Ji please make a video on Whether to commute pension or not.
Good job
Well said bro
Please make a video on commutation of pension
Pls make a video on post retirement plans
Instead of FD, isn’t Senior Citizen Savings Scheme (FD type) better than routing Bank FD. It offers higher interest, tax benefits but has a lock in of 5 years
Please make a video on what to do after retirement
Sir,kindly guide in a video how should single mothers use their job salaries for a better nd safer future of their kids???
May you prosper in life 🙏🏼
What to do for an active retirement,pl make a full length 🙏🙏
Please make a video on Commutation of Pension
Plz make the video on how to live after retirement.
My mother is also getting phone calls from sbi bank agent to convert savings account into wealth category account and my reply was my son is already doing our wealth management. So no need to call again thank u🤠🤠🤠😎😎😎😎
Pl make video on how to utilise time after retirement
sir bohot tym se dwarka expressway pr koi video nahi banai. please make video on DEW and gurgaon realestate
Yes
Please make a video on how to live after retirement Sir.🙏
Sir aap Jo bhi video banate hain bahut advice able hoti hain. How can I see you
Sir can you tell what approximately an SBI bank manager gets at retirement now a days
My father left job(he thinks he retired) @49(after 28 years of service)as deputy manager SBI and got 25 lacs as pf 10 years before
Please guide us what should we do after 5 years of retirement
👌🙌
Is it OK to do Teaching or Coaching in your subject of expertise after retirement?...... I am asking on behalf my father who is going to retire in few years?
Sir, mutual fund related knowledge is poor for many people, kindly guide or refer some video for honest information
Plz make video on commutation of pension
Sir please make video is avail for communication in pension
👌👌🙏🙏
Sir belive
Senor citizen saving acc and pmvvy missing.for regular cash to flow ,@7.5,%
👍
Sir I live in Lucknow jo apne 1 bhk bataya i want to do that but yaha konsi property mein invest karey jiski rental yield gud ho kindly guide
Thank u please suggest how to spent 24 Hrs. each day
Hi sir, thanks for your good advice.
I'm retiring at 39 yrs. I had taken home loan 37lac, 18 months back. Is it good to pay partial amount for home loan from my retirement money to reduce my intrest? Please give me an advice .
Thank you.
Very good template guidance sir.
At the time of retirement suppose a person earned ₹2 lakhs in PSU. There's no monthly pension after retirement. Total settlement amount approximately₹ 1.5 crores. Please guide such retired person how to invest to earn atleast ₹ 1.5 lakhs per month to lead a decent retired life
5% yourself and family.
10% invest in gold, It work wonder when market crash. (NOT ACUAL GOLD,but bond,scheme etc)
15% bank FD, corporate bond and many things which give interest of almost 10% return. (use it for couple of year.)
50% on NV20 index fund.
Rest-
#IMPORTANT -> 20% asked Expert and invest acc. to it.#
Follow 5%,10%,15%,20%,50% rule
5% yourself and family,
10% invest in gold (This help you when market crush) #NOT ACUAL GOLD, but gold bond scheme etc#,
15% invest in bank FD, corporate bond(which give interest of almost 10% return),
20% invest as you wish(asked Expert),
REST
50% on NV20 index fund.
Thanks for your guidance
Famous rule is "4% of fund" ie Let's assume at retirement you need 4Lakh per year so at that time you will have investment of 1 crore.ie (minimum 4% return).
For better understanding see advice of certified Financier planner (of long good track record for good result)
@@rameshsampath1589 I just write what my friend a famous financial planer tell me.
He told me, our retirement goal be as easy as we can since we Indians (middle class) are not complicated.
Maybe this info. help you in future.
Greater Noida mei karlo. 40 tak ka ghar lelo. Varna 5 saal baad 55 mei bhi nahi milega
I am 34.How to accumulate a nice nest egg for retirement in 2048?My monthly surplus is rs 25000.
Commutation of pension pe video pls
Pls tell your qualification and any job you do .
Sir, App commutation of pension par video Kab Dal rahe
what about Senior Citizen Saving Scheme? 30 Lakhs now.
Which nps pension fund is best in all categories
Many senior citizens have FDs in banks.... but over the last ten years, interest rates have been drastically reduced(from 9% in 2013 to a meagre 5-6% today). My aged mother has less money for her expenses. When I enquired with the bank officer,she claimed that because there was pressure to reduce lending rates, so the FD rates have also been reduced to offset losses. THIS IS MAINLY HAPPENING BECAUSE DEPOSITORS HAVE NO VOICE AND WILL NOT ARM-TWIST THE POLITICAL PARTIES TO WITHDRAW SUCH UNFAIR DECISIONS.... UNLIKE FARMER UNIONS OR GOVERNMENT EMPLOYEE UNIONS.
In 2013, inflation was 10%.
FD was 9%.
In 2019, inflation was 3.5%, FD at 5.5%
In 2021, inflation at 5.3%, FD at 6%.
Please check inflation when you talk about FD rates.
Your money was losing value in 2013, and not in 2022. Even in 2022 such a challenging year many FDs have 7% interest rate over inflation of 6.7%.
@@ghzltnsr20 Commenter is incorrect. Inflation is the only metric to assess FDs. Interest rate - inflation =Real rate of interest.
If not inflation and price trends in the economy, then what else is the factor?
Huh.
@@ankushmukherjee3219 This is reality vs theory! The reality is we're paying more for everything compared to 2013(food,dresses, medicines,etc.) while our FDs are giving less returns. Inflation may have come down but the prices of goods have only increased, not reduced. Isn't it true that inflation is relative? Like if something costed Rs.100 in 2020(not 2013) it costs Rs.103/-(a 3% rise) in 2022. But if you compare the prices of 2013 with 2020, the increase won't be just 3% or even 6%.Has the price of milk, petrol or auto or taxi fares increased only slightly more than they were in 2013? Aren't we paying much more? So that's what affects us common people.
Be a regual buyer and investor of stocks and crypto, never daily trade it will disturb work and pece of mind, roughly 50℅ of montthly salary, repeting again never daily trade
Monthly income kaise ayega. No investment for Post Office, Post of Seniour Citizen, MIS etc.
What about, SBI Life investment for Sr citizen.
I am retiring in 4 months.... I find your vlogs very interesting, Thanks🙏
Yess sir webinaar karo retirement ne baad kya karna hai
💯
How much is enough good corpus for a retirement plan at sixty-two.
Sir please make vedio on ppf. . Do you suggest to invest in that
If a lady retires then what should be the scenario
Sir we should buy physical gold or not? please make video in this topic
No, always go for SGBs
What to do after retirement
I am retired as engineer from thermal power station,suggest work,business etc by which i will be comfortable