Build Retirement Income Robust & Perfect Plan Every One Can Implement
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- čas přidán 16. 05. 2024
- #nri #nrimoneyclinic #financialplanning
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Services offered by NRI Money Clinic
* Life & Critical Illness Insurance.
* Child education
* Emergency Funds
* Retirement Plan
* Health Insurance
* Wealth Building
* Tax planning ( investments to minimise tax impact)
* Dollar investment ( Only for NRIs in Middle East and Africa )
* Mutual Funds ( NRIs other than in US & Canada)
* PMS ( Portfolio Management Service)
* Fractional Real Estate
* Cash flow planning (Pension, Guaranteed Return plan , Fractional real estate)
* Tax filing and chartered accountant services. (Outsourced services)
* Wills and inheritance planning. (Outsourced services)
* Property record legal verification (Outsourced service)
* Real Estate in Dubai (Outsourced service)
* Real Estate in Mumbai and Goa (Outsourced service)
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Absolutely brilliant. You have convincingly dealt with all aspects on issues faced by a retired person. Nowadays there is a tendency to look down upon investing in insurance based guaranteed income (annuity) schemes. However, as you have rightly mentioned, one should keep it simple, so that the hapless wife gets all 'the benefits easily after the demise of her husband, without having to run from pillar to post and depending on her relatives.
Very useful information presented in a simple, direct manner without much unnecessary fluff !
Sir.. really good topic for everyone to be aware and to implement in their life
Sir, I sincerely request you to come with a fees only option. I really love your contents and share it with my friends .
Excellent informative video sir!
Very clearly explained!
Thanks a lot!
I'd retiring or working less in 8 years, and considering this financial recession, Im deciding to begin taking up skilled trades. I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, l earn around $120K per year but nothing to show for it yet.
You should contribute to your retirement diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online advisor
I've been keeping an eye on the budget discussions and how they might impact my retirement savings. I find myself lucky enough exposed to money management at an early age.
Worked full time when I was 19, purchased first home at 28.
It's a good idea to adjust your financial plan accordingly based on any new developments.
I consulted with an advisor to stay afloat and with subsequent investment, i am only 5% short of 1 million as of today. Thanks to my advisor Eric Paul
Elmer
Staying informed and seeking professional advice to adapt your retirement strategy is needed.
wow you are very important in this world. I'm a financial advisor, new in the industry and you are speaking exactly to my senses. watching from RSA thank you a lot. Already subscribed to the channel.
Excellent presentation. Very clear on solutions.
All plans other than Annuity can be considered. Annuity plans only helping the agents as commission and the company which they are not paying even bank interest. And cost of mortality in many annuity plans are no use of aged people.
Great for the nominee 😅
Informative video. ❤❤
Very Useful Information ❤
Sir thank you very much for a proper advice for retirement income
Great info... will get to you soon...need guidance...
Dr Bhatt, as usual, your financial education is extremely valuable. Thanks. 🙏. As a thumb rule what could be the proportional allocation between these 4 investment classes from a balanced risk perspective?
I think already for my wife😊
FDs have poor liquidity conversion as banks cut some amount for premature withdrawal kindly clarify
The problem with Real Estate income, that is to say, renting it out is, not getting good tenants and also houses being vacant for few months
Commercial Property office space is better option
I am 69 & have invested in Pre leased Commercial office space leased out to a Listed Company having lease period of 9 years & getting 7 percent ROI with increase of 15 percent every 3 years
Getting regular RTGS in my account every month
@@anilbakshi4505 good to know that Sir. Had no idea about that. Will explore. Thank you
Absolutely fantastic
best investment is equity which has given 15% for past 30 yrs
What about Arbitrage fund against BANK FD
where is the link
Hi Sir,
kindly clarify the following :
1) Can the investor avail 30% standard deduction u/s 24(a) on the income from fractional real estate?
No
Sir.. do u think FD and annuity can be replaced by Gold bonds/ETF? So one can have Gold, Real estate and MF
No
How is LIC jeevan shanti?
👍
What is the fee?
Can I avoid annuity plans if I am getting pension after retirements?
Offcourse you can
insurance gives only about 6%!
Many experts across various mediums recommend annuity plans as a retirement tool. How can an option that does not offer liquidity be a good investment option for retiree's. You will not be able to access your own money till such time that you are alive.
I presume you have not watched the video
Your reply is right
One cannot enjoy guaranteed annuity as well as access to the corpus say after just 5 or 10 yrs from the start of annuity. He should take care of emergency fund requirements ( Medical Insurance Policy is available upto 65 yrs age starting). I wonder why corpus amt back is required say at 65-70 yrs age!
A product, in this case annuity that does not allow me to liquidate my own money irrespective of my requirement cannot be a good product as per my view. Monika Halan a highly respected financial planner erudited the same in one of her podcasts. My view may be different from others but that's ok. Even a fixed deposit is a better option as I can liquidate my money as and when I want.
Sir your video are good but long and not precise
Your feedback noted . Thank you
Sir kindly give tips for Indian making 20 to 25 k per month
Do you mean REITs whn you talk about fractional real estate
Not exactly. REITS has similar characters
commercial property is loss making due ghost malls
rental income on india is about 4% not beating inflation!
There is capital appreciation too...
Sometimes we have to go for legal tussle for getting our building vaccated@@srashsrash1
HDFC click 2wealth plan is good or bad?
Rental income is the lamest advice one can give considering that rental yield is much lower than cost of acquiring real estate. Especially with broken legal system in India if someone occupies your house, refuses to pay rent then you’re doomed spending lacs for lawyers to vacate them
Offcourse you are right .. it has its advantages and disadvantages.. that is thd reason you need to have a blend
Can you please let me know
The mobile no to contact in India?
😂
L take
Rental income OK
FD magic number is 5cr at 4% with 6% inflation payout then after 25yrs still left with 3cr corpus in FD.
Pension Plan NO (it’s a scam)
MF Ok
I feel rental and FD is good enough for happy retirement & by keeping it simple.
I agree with your point. Matter is not Inflation. What matters is CASH
Matter is high inconetax more than inflation@@Nick-eb7up
Sometimes we have to go for a legal tussle for getting our building vacated.I know so many such cases.
@@jayaprakashthampuran6521 need to take care of things be it anything.