6 Streams Of Income You Can Build To Create Retirement Income

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Опубликовано:

13 окт 2022

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Комментарии : 168

@Alphapowermind Год назад

1. FDs : Low Interest 2. Govt schemes : Low Interest 3. SWP : No guarantee of capital appreciation 4. Annuities: very low return , about 5% only including the effect of the GST of 1.8% on the lumpsum investment. 5. Guaranteed Rate Insurance Plan: Not available for Immediate investment 6. Dividend from stocks : Risky

@ravilance Год назад

basically screwed big time. Cannot beat inflation with 100% guarantee

@deepthampan9998 Год назад

Are NRIs allowed to participate in the Government schemes?

@devendersingh4303 Месяц назад

Go for aggressive hybrid funds and multi asset funds ,and enjoy your retirement and keep three years of your requirements in short term debt funds.Keep on shifting amount from your aggressive or multi asset funds to short term debt funds to replenish the short fall,when market is normal or in bull run ,if market is down ,keep on spendings from debt funds till market recovers.

@dharmaraja41 Год назад

First, thanks for the video. Rarely ever I see such clarity in investment matters. However, I feel the investment options that you mentioned may be tools in the toolkit, but none of them will entirely satisfy the needs of a returning NRIs. I feel, still a mix of ETFs of corporate bonds and a value ETFs of Dividend paying stocks would be the better option. For weathering the years that would have a bad market, a retiree still needs to maintain some money market investments, that way he/she can simply not touch the money in the ETFs for those tough years. There is risk in everything. Like you said there is still guaranteed loss of value in FD because FD rates are always lesser than the inflation rate. Of course there are disadvantages to this scheme as well… but I feel if one is a bit bold, one can make things work out even better than expected.

@rajaram41 Год назад

Very nicely done. A thorough study of each stream .

@anilprasanna Год назад

fantastic advice !! excellent .I am able to understand each and every word that you say unlike some financial gurus who use too much jargon..

@rajeshsriharirao4265 8 месяцев назад

Thank you so much for giving so much clarity on so many things. I will definitely reach out to you in near future. 🙏

@pchako Год назад

Very well explained. In addition to the six streams of income discussed above, I would also like to mention investing in some good ELSS schemes. It has double benefit - tax benefits as well as likely wealth creation. Your suggestion of income from Dividends is very interesting. Can you do a video on it, with some illustrations and suggestions of good companies.

@dr.sachiningole3548 Месяц назад

Very helpful video....n that devidend linked to retirement planning that great idea

@rajeevchandakutty9179 Год назад

Sir Once again another very informative session 👏 👍. Your presentation is excellent and right on dot for any common man to understand 👍. Thanks much.

@user-uh4ny6xq2e 8 месяцев назад

Good. Very useful.Wish I had seen this 10 years ago

@kbmehta4208 7 месяцев назад

Comprehensive coverage in limited time, great.

@j.r.6517 Год назад

Very well explained. Excellent information. Thanks 👏👏👏👍

@shamrao3954 Год назад

very well explained to a non finance investor, keep up this good work, Guaranteed Insurance Plan is excellent which was not there earlier

@rumskums Год назад

Thanks Sir.. like the way telling both advantage and disadvantage of each stream

@gaus5810 Год назад

Valuable information, thank you so much ❤️🥰👍

@hemchandmallya8396 10 месяцев назад

Very well done presentation. Explains in simple terms. Please encourage retirees in India to invest in PSU stocks. The stocks may not appreciate like other blue chips but dividend yield is better than bank deposits. And yes they are very stable mostly debt free companies.

@ravisrinivas7451 Год назад

excellent info shared sir

@vinodraishah6194 Год назад

Really appreciable effort.

@tirthankar1966 Год назад

I think it should be a mixture ideally 50% GRP s ,25% in Post offices, 25% in ETFs so that it can liquidate them as required. ETFs are much cheaper than MFs and more safe as you can choose your index

@natarajanravi6973 Год назад

Excellent & exhaustive coverage. Senior citizens can also invest in FAAA or MAAA rated deposits of well established, long standing blue chip NBFC. But there is an element of risk involved that must be taken into consideration. They give higher rate of interest than bank deposits.

@adagoudamakannawar4933 Год назад

Very much informative

@natarajanravi6973 Год назад

Managing Fixed deposit will also be bothersome if we spread the deposits in several banks just to escape the Five lakhs threshold. Mumbai citizens lost heavily by investing in Punjab Maharashtra Bank

@lillykrishnan-zd9ec 7 месяцев назад

Very well Explained. Thanks a lot.

@jonascardoza5742 Год назад

Very good advice.

@GodKnowsWhoAmI 7 месяцев назад

Very honest opinion about these. Can u please share the names of guranteed income insurance plans that are good and offer high rate of interest, like the one you mentioned pays 7% interest.

@rg5806 Год назад

Good Video nicely covered.

@khem3224 9 месяцев назад

Sir Very good advice but how about the corporate bond interests....are they not a good option?

@santeemoontazdigpaul7495 6 месяцев назад

Thanks so much very well explained

@gnathghantasala7478 2 месяца назад

Great Job..Thank you ...very informative and very clear .can you please sugeat some good Guaranty rate insurance plans at present.Thank you

@venkaiahbayana189 7 месяцев назад

Well explained. Very useful. Thanks

@vrumats 3 месяца назад

equity is also good retirement investment

@padmanabhas3676 8 месяцев назад

Nicely explained,Thank you 🙏

@user-rn6xu3bh1v 7 месяцев назад

Thanks for the information.

@chottalalpatidar9368 Год назад

Excellent

@amitkumarshah5521 9 месяцев назад

Interesting analysis, thank you Sir🙏

@ramakrishna-qc3rz Год назад

Which annuity plans are good and safe sir......and how much percentage we shall keep as per your advice.

@bpm74 7 месяцев назад

Rule No 1. There is no free lunch , investment returns are proportional to your risk taken (better the research and involvement in the investment vehicle, better the probability of profit) . If someone else is doing the research, they will take their share and give you sub inflation returns pre tax and after tax your back to Bank IR Rule No.2 All registered investment advisory services are bound to give you the very safest of options as they don't want legal complications. FD, Govt Bonds,Debt MF is all the advice you'll get , if you insist on equity Nifty ETF at Max (not that Nifty ETF is bad when compared to above) Rule No 3 : if you want to earn money equity markets , with long term perspective and target companies with increasing EPS and sales growth, forget net profit numbers and PE for sure doesn't provide any metric.. Just my 2 bits...

@sunnyn3487 7 месяцев назад

Very useful information.

@chmvijay Год назад

I have brought recently the tata aia total guarantee income 😊scheme

@sumitkumarsamanta 7 месяцев назад

Excellent inputs loved it

@ruidasservicespvtltd 10 месяцев назад

Recently in some big companies not mentioning the name they declared dividend but amount not credited to account how can we respond to such scenario?

@mashablesam Год назад

20% Nifty 50 ETF 20% Gold 20% Mutual Fund 20% Crypto 20% Flexible FD

@manishabhattacharjee4723 7 месяцев назад

Very useful advice

@ageless1003 7 месяцев назад

Dividend income is something i am planning for my retirement.

@bhagavandas5563 Год назад

Brilliant

@krishnanaishadham9359 7 месяцев назад

The presentation is useful. I wish to add PPF as another very useful investment opprtunivty with triple exemptions. To-day PPF can be extened to any number of years to save tax under 8o ccc, tax free interest and its one time in a year withdrawal facility can be a energency fund

@eugeniacamara8880 Год назад

Invaluable advice on options for retirement income and advantages/disadvantages. 👌 For returning NRI's who have not done advance retirement planning, govt schemes and the RBI floating rate bonds are a great option (though the tenure is only 7yrs.) If one retires at 60 and generates the required fixed income from any of these 6 schemes, what is the additional corpus one needs to set aside as a cushion against inflation assuming you may live upto 90yrs?

@tintunbirha 7 месяцев назад

If you retire at 60 and hope to live up to 90 then your 50K monthly expenditure will increase to 160K in the 90th year.

@Jyyo Год назад

Hello doc, what are your fees? I can’t seem to find it on your website

@krishanasinghmahar4147 8 месяцев назад

Pl tell us what are those guaranteed return insurance plan and company providing them

@rutwikmhatre7596 7 месяцев назад

I have seen some retirement plans on policybaazar which are like pension but also bit of life cover, please do tell me if that is a valid option for nri.

@margaretjohn5590 8 месяцев назад

Bad luck for NRIS and there childrens we restricted to join some of the Govt best schemes, but we will spend our retirement period in India.This is like a both shape see sharpened 🗡️ Sword. Your video is incredible for us to think and plan for our future inspite of many barriers such as TAX,..... I will choose GUARANTEED INCOME SCHEMES for my retirement plan .

@venkataraogude5612 8 месяцев назад

Excellent postings,,

@JustBe1974 7 месяцев назад

Very informative video Sir. Can you kindly let us know which companies offer guaranteed rate income? LIC?

@rajendradirangane5330 8 месяцев назад

Thank you dear Sir 🙏🙏

@muraleedhararibenchi2121 8 месяцев назад

Informative

@asvocasvoc2226 7 месяцев назад

Please suggest some USD investment plans available in Indian. Objective is to have a monthly stream of revenue after retirement.

@npratapvet Год назад

Excellent presentation and advice to all of us. Keep posting. With regard to what our opinion is, I would spread out my investment over several options as suggested by you like post office and bank FDs, PMVVY, SCSS, pension schemes, mutual funds and government bonds of low interest too. If a person has already a reasonably large corpus in mutual funds can they go for SWP upto the limit of capital gains permissible per annum and with the interest from bank and post office FDs start SIP afresh to offset the loss of units by sale using SWP.

@shirintalwar2033 5 месяцев назад

Any good SWP options ?

@omkapoor6866 8 месяцев назад

I am super senior citizen of age 90 years. I get Railway sufficient pension. My wife had expired. My 3 children have also retired. I get indoor/outdoor all medical help. I am happy with assured interest/dividend and not a greedy for money. I used to trade in past but after 80 stoppedand encashed all shares and mutual funds. Used to park in Post Office, Banks, mutual fund of assured dividend. I spend at my choice irrespective of price. Interested to know any better advice to be more happy.

@Harsha_Metaverse 6 месяцев назад

Excellent Sir

@manashalder6378 11 месяцев назад

what is that best plan for guaranteed pension scheme that u have come across??

@vrumats 3 месяца назад

SCSS limit per person now is 30L

@narayananlekshminarayanasa3217 Год назад

Annuity start early plan for maximum pension then no problem

@aksket2000 Год назад

I will go for 20% FD in nationalized bank, 20% in co-op society run by state government employees of our department offering about 7% annual roi. 20-30 % in index fund. 10%-15% in ETF. Remaining will put as liquid cash for desposal. As I will be getting monthly pension 50% of last salary plus DA, as applicable, will try to manage monthly expenses from it and will not go for SWP or any annuity, insurance schemes as they charge much towards commissions. All govt schemes are in my opinion more than 5 year terms and difficult to manage spread instruments for a retired person. Very nice points you have covered in this Video. Thanks Sir.

@srinivenkat2836 Год назад

When you have 50% of last salary plus DA as pension, your are one of the rare favvvvvvvvvored people who need not worry in retirement. Why then plan for co-ops etc? Enjoy and put in equity more. 😀

@srsharma1000 Год назад

Which are annuity schemes /plan?

@apsod332 8 месяцев назад

NRE FD for returning Indians with different passports is also considered for taxation in India ?

@aksket2000 Год назад

Guaranteed insurance plans may charge heavy amount toward commission

@sheebareji1166 Год назад

V r the experienced one. Federal bank ageas was cheated us ..too much charges are applicable...different types like mortality .. allocation..administration ..fund management even though there was no fund switching....can't explain ..that much. I am not going to drag the scenario. Final outcome was the capital was not there once it's completed 5 yrs even though there was growth when compared the nav of starting and ending . Our heard earned money the have taken as charges. Anyway the case is under the higher authority. Pls think before joining to fed ageas.

@tirthankar1966 Год назад

GRP are very transparent from leading houses its a contract which will give you fixed returns

@atultalele1985 11 месяцев назад

Nothing get free in life

@user-vu3wl1cf5d 10 месяцев назад

Almost 10% goes as charges..

@kishanbhowmik1643 7 месяцев назад

Mutual fund me invest karo for 15-20 yrs. Then see the magic. All insurance companies investing our money in the market only..

@akn650 Год назад

Great presentation indeed Pl give presentation on investing in crypto,commodities and latest modes of investments please .

@NRIMoneyClinic Год назад

Thank you for the suggestions. Will keep these points in mind

@shirintalwar2033 5 месяцев назад

If retired but still an NRI u cannot invest in any government scheme like PMVVY , SCSS etc what to do in this scenario ?

@aksket2000 Год назад

Govt schemes...long duration for retired persons

@gpjoseph9807 7 месяцев назад

I bought annuity at 6%. Now, interest rate is 7.2% for regular bank deposit

@kishanbhowmik1643 7 месяцев назад

No idea about market... Old school thinking in the age of Crypto 😂😂 market me invest karo for long term 15-20 yrs then come back to this channel

@mousumibasu3808 6 месяцев назад

Sir I hv a pension of 75k after commutation.going to retire in this month. I will put 30 lacs in scss, some FD in HDFC BANK some FD in LIC HFL they give 8.5% to employees and more than 10% of total corpus in 3/4 mutual funds . Some liquid cash in hand also . I will hv fair mediclaim cover from office upto 80 yrs .Am I in right track ?

@hydrump7181 Год назад

What about safe company NCD

@ashisbiswas2690 Год назад

Sir, how do you gauge Yes Bank ? Does it fall among the smaller banks which you are referring at?

@NRIMoneyClinic Год назад

At the moment yes ,

@venkataramanaammanamanchi353 7 месяцев назад

What are Government schemes please

@venghatesan Год назад

Can we get the link for the SWP advantages and dis-advantages session? i don't find it here.

@kishanbhowmik1643 7 месяцев назад

This man is not in the favour of SIP and SWP.

@utpalpaul7424 8 месяцев назад

Sir I am a widow I have one son and nobody is there in whole world should I share my financial information with my son or not please advise me.

@tpkoleth Год назад

Thank you sir for a highly informative presentation. I have one doubt about one of your comments about annuity plans. I think Annuity schemes have surrender options. Can you please confirm?

@NRIMoneyClinic Год назад

Not really. There could be a exit window in case of Critical Illness.

@ayazjaved3990 7 месяцев назад

Plz speak Urdu/Hindi so that 90% people understand. Your use full speech

@ramraodeshmukh9196 3 месяца назад

In any case pension/annuity plans are not right choice for retirees. All the plans made for the betterment of the agents and providing company and not for the individuals.

@tirthankar1966 Год назад

Request you to hightlight for REIT which are listed at NSE as a regular income option

@iqhirani861 Год назад

I was thinking; you may talk about the property / rental investment too

@bulljam8888 Год назад

pls make a video on NRI Home Loan process for Salaried/Self Employed

@NRIMoneyClinic Год назад

Sure , will work on it

@sandeepshanbhogue7690 Год назад

Hi Sir, 1. Is Guaranteed Return plan taxable? 2. Investment in Government schemes requires additional documentation as in source of funds. 3. What about plans which have floating interest rate as in RBI bonds for a tenor of 7 years. Is it a good option to invest provided all investment vehicles have been used up?

@RR-lx7ll Год назад

Can you please make a detailed video about government plans?

@NRIMoneyClinic Год назад

Sure

@estanislaurodrigues7883 7 месяцев назад

What is the 2001 tax

@srinivasanke705 5 месяцев назад

When one saves money for his or her retirement and invests in various investment plans total loss is heavy because the value of money decreases astoundingly.The value of money is decreasing at a galloping speed.

@jeffnightengale554 8 месяцев назад

In regards to banks. You seem to promote large banks over medium or small banks. The banks that have been shutdown lately would be considered large. The larger banks seem to take more risks. Some of these banks are close to being insolvent. The only reason they aren’t insolvent already is the government bailing them out.

@Manavta238 8 месяцев назад

To earn 1 lakh per month, how much capital is required to.invest in annuity?

@chandan-ve8vr Год назад

Hi sir I am a government employee, in our salary every month 10% of amount deducted for NPS, I have a doubt if share market crashes during our retirement just like corona pandemic did it affects our savings?

@yugandharnalabolu3518 Год назад

Re-balance portfolio. 3 years before the retirement time , move your equity portion to government securities. Ex:- we have 3 options Equity allocation, Corporate bonds allocation, Government bonds allocation. 3 year before the retirement, put E-0%, C-30%, G-70%. So that your retirement corpus is safe.

@chandan-ve8vr Год назад

@@yugandharnalabolu3518 k thank you sir.

@anilprasanna Год назад

This is the same problem that many had in USA who were at the cusp of retirement and the pandemic crashed their 401 K retirement fund. Always lessen the risk when you get closer to retirement. Its better to be Dravid instead of Dhoni during retirement.

@antojohnpaul2932 6 месяцев назад

Bonds are better than fds....

@kavitabhat4410 Год назад

Can you please share the names of some Guaranteed Rate Insurance plans?

@NRIMoneyClinic Год назад

This service is only for our clients

@atultalele1985 11 месяцев назад

Jeevan umang

@yndesai Год назад

PPF is one good tax free avenue to generate interest income. you could have added.

@NRIMoneyClinic Год назад

Ppf gives you tax free maturity amoubt . It is not a stream of regular income

@yndesai Год назад

@@NRIMoneyClinic we can withdraw on regular basis. after 5 yrs

@NRIMoneyClinic Год назад

Then you can use it

@aksket2000 Год назад

Auto renewal option in FD is available

@natarajanravi6973 Год назад

FD will be renewed at the prevailing rate at time of maturity. The risk is highlighted. In the presentation

@frank3041 Год назад

Hello. May I call you for discussing retirement plan. I am in Canada. What is a good time to call you(IST)

@NRIMoneyClinic Год назад

Send WhatsApp message on the number shown on the screen

@pkhamkar Год назад

Well said sir, but which one is best

@pkhamkar Год назад

Pls suggest any one good pension plan to invest now I am 36 now

@NRIMoneyClinic Год назад

Send message on the number shown on the screen

@manjujoseph95 8 месяцев назад

I am working in Canada. I wanted to know if I can invest in Sip's in India. If I transfer money into my NRO account, will the principle amount get taxed. I am already being taxed here...??😢

@ytmedia132 4 месяца назад

Yes NRI's are allowed to invest in SIP's in India using NRO/NRE account. I believe you will be taxed on the returns only.

@amitgurtu7534 Год назад

Audio at 15 min does not match with the text in video !

@indurawat4345 7 месяцев назад

Sir can u plz make a video in hindi

@shabbirhuseinabbasbhay2566 8 месяцев назад

Swp 👍

@GOOGLEACCOUNT-gc4vs 8 месяцев назад

MF income is also taxable with TDS on Rupees as low as 5000 per annum. HDFC BALANCED ADVANTAGE FUND IDCW reduced dividend from 31 paise per unit to 23 paise per unit despite unit price increased from Rs 18 to Rs 33. No income is tax free now by the present government. Annuities are worst giving return as low as below 5% p.a. After paying Rs 1.87 lakhs including service tax for 10 years I got back Rs 1.25 lakhs

@gpjoseph9807 7 месяцев назад

Harsh reality I faced too😢