Is Rs 5000 SIP Sufficient?
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- čas přidán 28. 08. 2024
- Is Rs 5000 SIP Sufficient?
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India mein logo Ki 15k salary bhi Nahi Hoti
Yaa same meri yaha 14k hain sab kharch k bad 9k Bach ta hain woh bhi invest karunga to bachega kya tambura
To Aese logo ko pehle salary badhaane pe kaam karna chahiye. Investment pe nahi.
@@BarkaDog Sahi kaha.
@@royraika958 aisa kya karte ho
@@kanishk3528 sales man In jewellery Showroom
Since my college last year i was having an SIP of ₹500/Month, at that time i was earning around 10k. From last 4-5 months I'm earning 25k/M and started increased my SIP to 4k/M from Dec 2023 (This month only).
Which mf do you invest in
@@purvaipathak5510do you have financial advice regarding mutual fund , are you invested any amount in sip till now
Which sip you invest in
Great
Bhai tum clg me ho kya karte ho
After 25yrs if ur mutual fund is giving u only 10% return then u need to change ur mutual fund not ur PLAN to SIP
Are Bhai Mai toh 100 SIP karnke ke liye 2 mahina se socha Raha hun😢😅
😂 same
Koi baat nahi per year step up Karo... 30 year hold Karo ... Fal milega... In logon ke baaton mein mat jao. Middle class family ke liye SIP hi jaruri hai
😂😂😂
Aaditya birla psu me daal le bhai achha return de raha
@@TurfTorqueBhai mere me SIP ni ho paa rha hai me kya krta hu har month 1000 lumpsump dalta rhta hu toh koii problem haii ??
Feels like we are no more investing for the returns but rather for savings. Last year the expected returns were 12%, now 10%, and next year it will be 8%. New motto "Invest to Protect"! 😢
kaha invest kare the? Nifty Index ne hi 12% return dia hai in last 1 year.
@@shubhendusingh1991nifty index me Sip krna sahi rhega?
@@shubhendusingh1991Index Fund mehi lagao पैसे vro
Bro 12% pakadke chal skte ho,,
Agr long term me invest krna hai to thoda risk leke midcap ki taraf jaa skte ho. Return 15% ayega.
So confusing! Where should we invest? I'm new to this whole thing 😢
In the long run market will give returns 15-20%(20-25 years)
But current market situation ke hisab se -15% milega
No
You can add nifty bees till 10years and IT bees for next 2 years...
Just my suggestion.
@@anand6132s Abe long term mein bullish hai sensex 80000 jayega
@@dark6937 Abey mai tere baap ka dost hoon thoda dhang se bol le
10%😃😃😃😃
Isse to achha hai ki index fund main sip kar le .. 12% to mil hi jayega....
Koi guarantee nhi hai mutual funds me. Har saal returns change hota hai. Portfolio banao achhe funds ke. Tab returns kaafi jyada aayenge.
@@Dave_enAchhe funds bole to?
@@7ssanket963 achhe funds matlab jo funds shuruaat se achhe returns dete aaye hon. Kaafi saare parameters dekhne hote hain. Alpha, beta, sharp ratio, sortino, rolling returns, AUM etc.
Ek bhi achha fund portfolio me hai toh wo saare portfolio ko faayde me le aayega.
❌❌❌❌wrong❌❌❌❌❌
To set your financial goal you should start SIP with as per your choice 500 or 1000 rs per month, are bhai abhi salary kam hai to kya hua abhi to 30,35,40 saal hai jivan ke dhire dhire salary increase hogi to investment bhi badha dena... Jo 15000 rs ki salary m 1000 rs per month SIP karega to wo 50000 ya 1 lakh ki salary m 10000 ko sip tak pahuch jayega, tab uske sare financial goals pure ho jayege. SIP ko dekho ya suno mat usko samjho tabhi fayda degi. Or agar SIP ni samaj aati to at least open a RD in bank.
Is there any chances of low returns in future according to market risks
@@sanatani.blisssss market will rise it is definite beacuse every company want to only grow, if you are investing in mutual fund then you are investing in multiple companies. If for some time market goes down then you have to wait to regain again also in long term you will get sure profit only.
@@ItsKukuHere Hi Kapil,
I am new to SIP, Mutual funds, share market.
Is there any website or CZcams channel which will explain this to newbies like me ?
Please help
@@Pritam043Labour law advisor is the best channel for personal finance
Bro nifty 50 sip is safe??
last 30 yrs ka growth next 10 yrs bhi possible nhi hai....
baaki 30 lakhs ka 30 yrs me 2 crore hua to bhi bahut kam hai...medical mafia & inflation will destroy ur all future plans...
Bhai bukha marne se toh achha, hai 30 saal bad bhi bohot logon ke paas 2 crores nahi hoga, 30 lakh mein hi jee lenge..
Agar aapka mutual fund aapko long term me sirf 10% return nikalke deta hai to laanat hai aise fund pr. (12-14% to nikalna hi chahiye)
10 SIP hai 1000/month ki.. Eske bare btao kuch
Consider 10% during calculations anything above that would be a bonus... 15% is too much acc. to me.
Hahahahaha Mast tha ye ...Lanat hai
Atleast 12 se 14 toh de
Tum log ganja fuk ke aye ho kya yah pe ... active ya index mutual fund jake dekho Jo top pe hai sabhi ke return upto 15 to 20 % hai ... Km fuka kro 12% aj ke time pe vhi mutual fund deta hai jo sbse bekar hai
Since the market is on low they are calculating 10 percent, otherwise they will calculate based on 12 to 15% return 🤣
Yes bri
What's wrong?
Don't know lol, 15% is quiet reasonable in the long run in mutual fund @@sanskarmalviya7187
@@styloro004hi bri
Market kab tak Low rehta hai?
15% ka annual return hoga toh 7Crore accumulate ho jayega 30yrs me retirement ke liye. But schemes koi nhi batayega.
Bhai tu bata de fir
30 साल तक 9000 मे 2 करोड 😂😂
10 लाख का प्लॉट ले लिया तो 10 साल मे 1 करोड दे देंगा
हमने 30 साल पहले 30000 का प्लॉट आज 20 लाख मे बीक रहा है घर के साथ 40 लाख तक
10lac.ka flat das saal mei tujhe 1 crore dega...WAAH🤣🤣🤣...ESA KOI FLAT MILE TOH BATANA...
And don't say, humare zamane mei khareda flat ajj itne mei bika...today is not that zamana...PLOT ki keemat exponentially badhti hai, flat ki nahi
Well, aapko 10 lakh lumpsum bhi to chahiye hoge na….yahan par to sip ki baat ho rahi hain….monthoy installment of small amount instead if lumpsum
Aaj ka 10lakh kaha se ayega. Agar itna paisa hamare paas hota to SIP kivn lete, share hi kharidte.
Vahi 10 lakh mutual fund me dalo aur 10 saal baad dekho 3 guna shayad hogi jayega, maine ek plot 12 saal baad matra 20 percent return ke sath becha, reality of real estate
@@depression_plusplus6120in 2003 my mom dad purchased flat for 3 lakh in pune now it cost 55 lack.... It depends in which city you are buying
20k per month.. 20 years.. 50L investment.. 2Cr return..
you can do it for your child if you have a secured source of income
You haven't mentioned the time period for the SIPs
15 years 30 years jo bataya vahi hai
Negative returns after 5th years is reduced to 0❤❤❤❤
That's amazing Information..❤❤❤I'll do it asap
Iska matlab kya hota hai?
@@shaguftashawkatali6619iska mtlb 5yrs k wad Tera Paisa negative m nai jaiga hamesa profit m rahega
That's what I want to ask,
Please explain @mirzarizwanbaig9449
@@shaguftashawkatali6619iska matlab apka ghata nhi hoga
@@shaguftashawkatali6619chance of facing loss (negative investment) is zero after 5 years
May 6000 rs sounds like a big amount, but after 10-12 years it will be as 3000 PV if we consider the current INFLATION rate and apply the rule of 72. I.e., 72/6= 12. So if we want to invest 6k rs as of today then after 12 years the FV of 6k will be 12k which after 30 years will grow the amount by 1.5x than the actual desired or retired amount.
Please add 'Smart SIP' feature in Groww mutual fund.
what's that
Sip should increase if u have n increment, thats the think people always miss
10/10 sir… the schemes you told are mostly risk free. Aur inn sabhi schemes mey kisi bhi economic class ka insaan invest kar skta hai.
Aap isme se har ek schemes par individual video zarur se banaiyega, usse totally jo bilkul new log hain unko aur bhi help milegi.
Thank you Sir 😊🙏
Jai Hind 🇮🇳🙏
Due to General public education sector inflated a lot. Instead of demanding a good well equipped govt school we choose to go for private. And this trend will continue and it will cost majority of parents saving just to educate their child
2cr would not be enough to retire after 30 years unless you want to spend your old age in a village. Ergo, most people would not retire comfortably.
Main to 500 se start kar ke after 10-20 year baad aamir *rich* banne ki soch raha tha 😢
Step up karo boss sip hojaoge amir
Compounding power nhi jante bro kya ? Or ye sirf bta rhi h ki agar 10% ho to market mai bhot ache ache funds hai Jo ko 20 % se 48% per annum TK returns de rahe h research karna pdta h bs jaise quant small cap fund 48% de raha h kotak 28 % ICICI 38% TK baaki aapko apni reasearch karna zaruri h
Mam ...long term(20-25 years) portfolio m kon si category k mutual funds rakhe????
index funds
Small cap fund
Best is flexicap. It can even beat small caps in returns. Start from day 1 of your job and retire rich.
10% return ke liye koun sip karega bhai ... atleast 12 to 14% ka return to aana chahiye nhi to kyu equity me investment karenge ...
To fir kaha karoge?
Mutual fund is Morden FD, either invest in quality stocks or don’t invest in market . These mutual fund companies are just running their business .
After 30 years 2 Cr. Ka tax kitna hoga (LTCG ) Please reply Mam
10%
Assuming it is 2Cr of Capital Gains.....
It will be 19,90,000
After 30 years 2 Cr ka value kuchh nahi rahega
@@alokgupta6918 2 Cr complete capital gains pr post taxation amount ki 5% avg inflation rate lekr present value calculate krenge toh 41.6 lakhs aa rhi hai aaj ki date pr. Taxation ko better manage kiya toh this will increase. Dhang se SWP/STP manage kiya toh this money will never cease to exist even when you keep withdrawing monthly installments
@@yashmehra812 correct
Thank you so
Matter ye nhi ki itna return mil Raha matter ye hai ki ye return Kaun se sip me milega
Awesome information thank you mam
What about inflation..???
dont forget to adjust inflation, 2cr in about 30yrs wud be few lacs
40-45 lakh only
25 lakhs. Divide 2 cr by 2 thrice.
what if i want to accumulate 8.5 crores in 15 years and give a top up of 10 percent every year on the SIP
meanwhile me with 500 sip in index mutual fund...
Time period is the game changer
In which bank is it good to do sip
Never do SIP when market is at an all time high...always but indexes when there is a correction or atleast when weekly candle is negative on Friday then u can buy at 3:15 ( Friday )
Me watching with 12k salary 😢
Also me watching 8k salary🥺
1k lagao, phir dekho magic.😂😂😂
Thank you 🙏 for telling after 5th year the chance of getting negetive return is nil
Ah, SIP, the foundation of my journey from humble beginnings to financial success.I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made
Ma'am ne example ke lie bola hai 10% return
Don't Adrika ma'am keep it up and be continuing 👍🏻
You are the best for mutual fund informar 😊
What a beautiful video, thanks ankur sir ❤🎉
Mam grow mh SLB account alge se open krna pdta hai kya...
Paytm provides daily installment basis Sip with the help of ICICI prudential MF. Whenever groww will think about it? Daily installment base sip is much helpful for middle or lower middle class people or housewives.
Inflation adjusted future value calculate karke btao chachi
What about Step-up SIP's , plus we have considered extremely conservative return of 10% from equity asset class. In such long term calculation we must have 12% + calculate based on step-up SIP.
Assume an average increase of income of 5-10% APY which is very nominal and achievable even for folks working in IT Service companies
25 lakh toh current time m lgre h higher education m, In 15 years it will be around 1.25-1.5 cr minimum .Sip and investment will never make you rich it just provides little sustainability to deal with Inflation
Mam,
Can you please explain if we do the step up option of 10% every year?
After 30yrs 2cr ki itni value hi nai hogi
inflation hoga, taab value 30 cr ki value 15cr tak hoga
@@AyanKashyap1303 8-10cr *
Abhi 8000 Ki Value 1980 Ke 1000 Itni He
Aaj Avg Salary 8000 Per Month He OR 1980 Me Avg Salary 1000 Thi Per Month Uss Hisab Se Calculate Kar Lo 2Cr Ki Value Kya Hogi
@@Ashokshinde231bta na bhai calculate kr ke yrr
@@abhishekgupta7185 2 Cr Ki Value 55 Lakh Se 60 Lakh Hogi 2055 Me Abhi Jo Property 50 se 60 Lakh Ki Mil Rahi He Wo 2050-60 Tak 2Cr Ki Hogi
किसने बोला कि कितना इन्वेस्ट कर रहे हो वो जरूरी नहीं है
500 रुपए महीने की एसआईपी वाला
50000 रुपए महीने की एसआईपी करने वाले में कौन ज्यादा जल्दी पैसा बनाएगा सबको पता है
आपके पास कैपिटल का होना बहुत जरूरी है
Inflation left the chat😀
Assume there is no enough money in my bank account on the SIP date. then money will not get debited. for that will there be any penalties by the bank?
If yes, then how much per transaction?
No penalties for that
That sip will be skipped and you can pay next month or before reaching that deduction date you can edit slip and change the date of the sip .
Any good fundamental stocks must give returns onwards 5years like ril,hul,Nestle, Britannia so many then why we invest in sip.
Thanks
Expense ratio, Exist load, stamp duty, Short/long term capital gain!
Does market manipulation doesn't affect our returns or capital invested ?
i just started Sip with just 100 and thinking i will increase this amount in a particular time period
Bhai ek baat bata soch 100 har month dala apna saving sa next month mera pass 200 hogaya to kya mai daal sakta hun or kya next month sa 200 daalna honga
@@adarsh2k23 you can change it every time
i did the same thing
i just started sip this month and then i thought 100rs is a very small amount so i just edit my amount in sip and from next month i will be paying 200 it's too simple bro
just explore every option you can on your application
@@adarsh2k23 bhai...sip kitni ki b ho....kisi b waqt tmhare pass xtra money aaye...ya market down ho...tb chahte ho thoda xtra unit lena...saste me....to lumpsum k tarike se...kr skte ho...koi problem nhi h...mai aise hi krta hun usually
Focus on your career
I give one suggestion .. please add ready-made stock basket for beginner .. please 🙏
Don't ask these stupid people.. Search about NJWealth. They have excellent stock basket.. Moreover NJ Wealth reallocates stock as per performance in every (1 & 1/2) देड साल
What about expense ratio..... U haven't deducted it in your calculations.
Mai small cap mei 30% per year se jyada ka return liyaa ... last 5 years mei ... nonthly sip 35k meri...
Only work in commodities not for equity...nahi toe adaani ke shareholder type ho jayega
Zaruri nhi h ki 10% quant hai jo ki 48% per annum tk return deta h or kotak 38% ICICI 28%+ sip bhi research karke hi karni chayie
Index fund bhi 13-15 % ka return de hi deta he long turm me
30 saal main 48 Cr chahiye aur 7 saal main 6 Cr chahiye
Kya kroge itne paiso ka. Ye paise tumhe maut se nhi bacha sakte aur na hi kisi khatarnaak bimari se. Jab kaal aata hai to karodpati ho ya gareeb insan, dono barabar ho jate hain
@@AmitThakur-nv7lbjarurat ke hisaab se chaara daalo aur Machili pakdo. Whale pakadne ki jurrat mat karna.😂😂😂
@Groww What about inflation?? Will 2Cr. be enough after 30 yrs??
25lakh Childers education ke liye government school dalo 😅😅 almost free me Hoya hardly 5lakh
Its not about just 10%. It's a game of compound interest.
invest Whatever you can 1000 to 10000.
Just make sure invest utna hi karna jitna apko apne wale 10 saal tak chahiye na ho.
Do NoT invest your emergency funds or savings.
Pls tell people that after 30 year, value of 2 cr will be equivalent to today's 25lacs only. What can you do with 25lacs if you retire today?
Nice motivation video ❤ I'm also old invester in mutual fund, my live portfolio video will be there 🙏
Can you please clarify the the point you mentioned about negative returns after 5 years?
Mera avragae return 20% and XIRR 33% hai..😅😅
Kese?
@@sujalgaikwad3705 abhi mostly sbka itna he return aara hai kyuki market up hai
1000 sip per month 🙄
2 crore is a big amount today, but 30 years from now it won't be. So I need to keep my end goal amount which would be of the same value that feels like 2 crore today.
I want to do but how
mai b sip krne ke soch rha hu .
Kya long term mai sip krne se fayda hoga.
Or kya Sip tax free hoga agar long term k liye kre to bahut amount hoga deposit or profit b hoga .fir tax kitna lgega
Just buy 2 shares of tata investment corporation every month religiously for 20 years..that what i am doing..
Hi..step up sip ki bajae agar hum new usi amount ki new sip start karte rahein to usse kya koi farak aata hai?and how? Like 2 months ka step up na Kara kar every 2 months new sip start kar dein to baat same rahegi ya farak aaega interest amount pe? My agent is saying there is no difference if u step ur sip aur start a new sip of same time, amount and intervals
Firstly, SIP does not give compounding interest, for that every year you have to pull out all money and returns then invest again
Thoda bahot knowledge lele bhai Google se,, adhuri jankari hanikark hoti h
30 year ke baad 2 CR se kya he hoga
Mera ek sabal he ??? Har baar kam jada pay karun to mere sip return pe kuch nuksaan hoga ya laav..?
Nahi.... aap kbhi skip v kar skte ho.... ya band v kr skte ho.... ya kbhi jyada rs hai to jyada v dal skte ho
@@MUTUALFUNDBYLOKESH
Mujhe ye janna tha ki ...agar kisi mahine Kam ya Jada payment karta hu toh...mujhe Milne bali amount pe lose hoga ky ?
5000-10000 per month SIP is for them who have a satisfactory earning but for me as a 3rd class person 500 per month is sufficient.
Thinking about investing 15k/month for 30 yrs what will be the return approx?😊 thnks in adv
15k for 15 yrs at 15% makes 1 crore. Now use a calculator for 30 yrs contribution.
10% on mutual funds? Many small cap mutual funds have more than 25% returns after 11 years..like Nippon
6% inflation bade papa calculate karenge kya ? wo bhi gov ka inflation %age hai in reality it depends on your expenditure.
Sahi bola
That's why people need to do 20-25% top-up in every 3-4 years
10% is too less. It's average 15-20% if the time period is 15-20 years in long-term
Lol I have 2 SIPs of 1000 each 😅😂....will society accept me 😢
Same
I have only 1 sip 1000 😂😂
@@SudhaDevi-vn5px 😅😅😅
@@artseawish683 low salary..which fund you are investing?
@@SudhaDevi-vn5px quant and bandhan bank elss.....recently I started in quant small cap, nippon
I overlapped quant....everyone is saying its a mistake....idk 😬
Please share as per Indian people average income not as per others
Yaad rakhna ...ye video ek broker app company ki taraf se hain. Chinta mat karo, jyada nahi toh kam hi sahi. 9000 na bhi ho toh 500 karke hi SIP karo. kuch naa milnese accha ,kuch toh milega.
Kam investment main jyada waqt lagega par koi baat nahi.
Thanks mam
Meri earning hi 9000 rs hai. My age 39.
I have started SIP of 11,000 divided in 4 different funds. I have no knowledge of financial investments, hope I did right
Good morning
Mujhe 1000crores chahiye...
Ab lagao GANIT😂
Note: financial planners are not good in mathematics. Those who calculate Returns through Formula they fail always. Financial journey is full of Uncertainties so have patience and financial discipline.
May Shanidev bless the disciplined person.
Radhey Radhey!
I invest 3000/month and after 2.5year my return is 23%curently
2 crore for retirement.....what about inflation?
Index funds long term me annual 15% tak CAGR de dete hai.
5000 ki ek SIP or 1000 ki 5 SIP, which is better??
Itne sal bad 25 lakh ki value kitni hogi?? Inflation factor ??
Means child ko 15 saal nahi padhana hai, jab 15 years beet jaye then direct 10th-11th class mein admission karana ka hai! Yehi na bol rahe, sayad
10v tak sarkari mein padhao kum se kum, fees 30₹ mahina hai whaan sird
उसने वीडियो में higher education बो ला है वो 12 वीं के बाद ही होती है
I already invested in Quant and also Iam thinking to invest in some other company also can anyone one suggest me best Mutual fund Bank Axis or Nippon is Sbi contrafund which is the best for 5 years
I have also invested in Quant and its showing 51.0% p.a return after 3 years, will we get 51% return ??
Is Quant small cap good?
Be it any mutual fund????? Or some selected only
If we choose Any Fund giving 20-40% return in 1-2 years, then we can Think 5000 SIP IS enough.