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9 Retirement Planning Strategies for Regular & Safe Income | Senior Citizen Saving Scheme & MORE 

Shankar Nath
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In this video, I delve into 9 retirement income strategies that can help you secure a comfortable financial future. For senior citizens (and even those in their 40s and 50s), it is increasingly important to have a retirement plan in place that will provide steady income to support your lifestyle. I cover a range of options in this video including senior citizen fixed deposits, Senior Citizen Savings Scheme (SCSS), Post Office Monthly Income Scheme, Government securities, rental income, annuities, mutual funds, reverse mortgage and more. I have explained every retirement strategy is sufficient detail including how it can fit into your overall retirement plan. By the end of the video, you will have a better understanding of the various retirement income options available, and be able to make an informed decision on which approach is right for you.
❤️ I hope you LIKE this video and if you do, then please SHARE it with your parents and other senior citizens so that they too can receive the benefits of this knowledge. Thanks!
👉 Video Chapters:
00:00 Retirement Income for Senior Citizens
00:59 1. Senior Citizen Fixed Deposit
04:14 2. Senior Citizen Savings Scheme (SCSS)
06:35 3. Post Office Monthly Income Scheme (POMIS)
07:33 4. Mutual Funds
09:51 5. Government Securities
12:14 6. Annuities
14:03 7. Rental Income
15:52 8. Reverse Mortgage
18:02 9. Active Income
👉 Resources and Reading Material:
‣ Post Office Monthly Income Scheme: www.indiapost.gov.in/Financia...
‣ Good Article by Capitalmind: www.capitalmind.in/2022/06/si...
‣ Latest interest rate on SCSS, Sukanya Samriddhi, National Savings Certificate and other small savings schemes: economictimes.indiatimes.com/...
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#retirementplanning #seniorcitizensavingscheme #annuity
Disclaimer: I am not a SEBI registered investment advisor or research analyst. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented

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29 июн 2024

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Комментарии : 283   
@debajanisarma1673
@debajanisarma1673 11 месяцев назад
Simply genius. SHARED THE VIDEO.
@KUMARAMV
@KUMARAMV Год назад
Wow! What a comprehensive and insightful video.. Great job! I will file this into my playlist of all-time favourite videos. Thank you!!
@shankarnath
@shankarnath Год назад
Glad it was helpful! Wishing you the best Ajay
@pravin9803
@pravin9803 Год назад
Thank you for this extremely informative video. You have covered so many options in one video.
@shankarnath
@shankarnath Год назад
Thank you very much. Glad you found it useful
@harshitkhanna6742
@harshitkhanna6742 Год назад
This is a comprehensive list of investment options for senior citizen. I think one of kind video on youtube. Kudos ❤
@shankarnath
@shankarnath Год назад
Glad you found it useful.
@ralphrau
@ralphrau Год назад
Mr Shankar Nath - You are GODS GIFT TO RETIREES & THOSE WORRIED ABOUT "COMMON SENSE" PLANNING FOR THEIR RETIREMENT
@shankarnath
@shankarnath Год назад
Thank you. Glad you found it useful
@ramyasri6093
@ramyasri6093 Год назад
As always,you through light on unknown points even on common topics.. you give us a changed perspective sir 😊new options in this case
@shankarnath
@shankarnath Год назад
So nice of you. Glad you found it useful
@drpjmahanta1896
@drpjmahanta1896 Год назад
Great content and information, as always. A decade away from my retirement, but what a solid BASE to look forward
@shankarnath
@shankarnath Год назад
Thank you very much. Yup, a good time to review and progress for you from here
@prabhulingpadadayyachaukim6434
@prabhulingpadadayyachaukim6434 8 месяцев назад
Thank you . This has been a valuable presentation.
@shankarnath
@shankarnath 8 месяцев назад
You're very welcome
@gopikannans9246
@gopikannans9246 Год назад
As usual an excellent session again Shankar. Getting into detail on every aspect is too good to learn and understand easily.
@shankarnath
@shankarnath Год назад
Thanks a ton, Gopi 🙌
@shikhasood6711
@shikhasood6711 Год назад
Excellent information. I thought that I knew many things about finance but you have added much more to my knowledge. Thanks for sharing such helpful videos
@shankarnath
@shankarnath Год назад
Glad you are finding the videos helpful
@paragvaishampayan9501
@paragvaishampayan9501 Год назад
Really appreciable well designed content 🙏
@shankarnath
@shankarnath Год назад
Thank you very much!
@bhaweshjaiswal5109
@bhaweshjaiswal5109 Год назад
Thanks for the lovely work. It'll really help my dad.
@shankarnath
@shankarnath Год назад
Glad to hear that! Many senior citizens are too boxed with what they already know so this video has been designed to open them up a bit. However, before he takes any decisions, please ensure you carefully explain him the risk & return matrix. He shouldn't be taking a lot more risk for pennies.
@drshilpaayurveda9439
@drshilpaayurveda9439 9 месяцев назад
Thanks for working out such a nice information..
@shankarnath
@shankarnath 9 месяцев назад
My pleasure! Glad you found it useful
@dilipshete6671
@dilipshete6671 Год назад
Thanks for very detailed and useful information
@shankarnath
@shankarnath Год назад
Most welcome! Glad you liked it
@sanjeevgupta7010
@sanjeevgupta7010 Год назад
Informative video. Thanks for putting so much hard work for us.
@shankarnath
@shankarnath Год назад
Most welcome, glad you found it useful
@nabeelyahiya
@nabeelyahiya Год назад
Excellent video as always😊👏👌
@shankarnath
@shankarnath Год назад
Thank you so much
@spsubbu3342
@spsubbu3342 Год назад
Thanks for sharing valuable information, God bless you
@shankarnath
@shankarnath Год назад
Most welcome. Glad you liked it 🙌
@smart3883
@smart3883 Год назад
Wonderful Content as Always
@shankarnath
@shankarnath Год назад
I appreciate that. Thank you!
@yogeshdixit3973
@yogeshdixit3973 Год назад
Excellent as always 🤟😎
@shankarnath
@shankarnath Год назад
Thank you!
@venkataraghavaannapragada9448
Excellent
@rishabhnagaich5626
@rishabhnagaich5626 Год назад
Great video Shankar! Very informative.
@shankarnath
@shankarnath Год назад
Thank you very much!
@karthikeyanv463
@karthikeyanv463 Год назад
Thanks Shankar. Very informative presentation. ❤
@shankarnath
@shankarnath Год назад
So nice of you. Most welcome, Karthikeyan
@harshkathaley
@harshkathaley Год назад
Very nicely explained, thank you. 🙏
@shankarnath
@shankarnath Год назад
Most welcome Harshvardhan ji, glad you found it useful
@bikashkumarmallik7776
@bikashkumarmallik7776 Год назад
Thanks!
@shankarnath
@shankarnath Год назад
Thank you very much Bikash. Glad you found the video useful and will put some of it into action. Much appreciated!
@freeworld01111
@freeworld01111 Год назад
Absolute Gold!
@shankarnath
@shankarnath Год назад
Thanks!
@mukeshwahie4605
@mukeshwahie4605 Год назад
What a beautiful way of simplifying things, dear Shankar. Please keep this up. I have subscribed!
@shankarnath
@shankarnath Год назад
Glad you liked it and welcome aboard
@balwantgusain7904
@balwantgusain7904 10 месяцев назад
Best presentation. God bless you❤
@shankarnath
@shankarnath 10 месяцев назад
Thanks a lot 😊
@harijanu
@harijanu Год назад
Excellent one sir. Expecting a lot of videos on less explored financial options/products. Thanks a lot.
@shankarnath
@shankarnath Год назад
Most welcome
@jitendertaneja2269
@jitendertaneja2269 Год назад
too good sir surely will share with friends kudos
@shankarnath
@shankarnath Год назад
Thanks a ton Jitender ji .. very kind of you. Do help out your elders if they need any help with their finances. As a high savings country, many senior citizens have maturing fixed deposits etc. and they often struggle with what to do with that lumpy money
@Curious96
@Curious96 Год назад
Wah wah wah wah! Love the way you explain sir.what a detailing❤
@shankarnath
@shankarnath Год назад
Thank you very much!
@angadkhandekar8280
@angadkhandekar8280 Год назад
Learnt new things .Thanks
@shankarnath
@shankarnath Год назад
Glad you hear that.
@skadvani
@skadvani Год назад
Thank you very much sir. God bless you
@shankarnath
@shankarnath Год назад
Thank you very much Sushil ji
@Englishbook9823
@Englishbook9823 Год назад
Very nice and understanding explanation
@shankarnath
@shankarnath Год назад
Thank you very much!
@sushil2kashyap
@sushil2kashyap Год назад
Sir, maine bahut financial youtuber or Influencer ka content dekha hai, but your knowledge and information is much much deeper and in a easy to understand. Respect you.
@shankarnath
@shankarnath Год назад
Thank you very much Sushil ji.
@ElvisPelvis-fz9sy
@ElvisPelvis-fz9sy Год назад
Educative and insightful video with calming voice Thankyou sir.
@shankarnath
@shankarnath Год назад
Most welcome. Glad you found it useful
@shashiDodderi
@shashiDodderi Год назад
Excellent information
@shankarnath
@shankarnath Год назад
Glad it was helpful!
@digambermarudkar2934
@digambermarudkar2934 9 месяцев назад
Very nice explanation!👌👍
@shankarnath
@shankarnath 9 месяцев назад
Glad you liked it!
@jayantpandit339
@jayantpandit339 Год назад
Excellent way of explaining
@shankarnath
@shankarnath Год назад
Thank you!
@ravipeter9280
@ravipeter9280 10 месяцев назад
Great video! Thank you, Please make part 2 of this video with Tax Liabilities of the differnt schemes. Also best way to optimise withdrawals.
@shankarnath
@shankarnath 10 месяцев назад
Thanks for the suggestion
@premnathdaram2929
@premnathdaram2929 Год назад
Sir, really a very useful information to retirees and god bless you sir for your detail explanation without hiding anything 👍🙏
@shankarnath
@shankarnath Год назад
Thank you very much. Glad you found it useful
@Chronos867
@Chronos867 Год назад
Service to Humanity!
@ashwajitsingh007
@ashwajitsingh007 Год назад
Sir extraordinary content explained crisply in a very simple way… way to go
@shankarnath
@shankarnath Год назад
Thanks a ton. Glad you found it useful
@nitinmisra6747
@nitinmisra6747 Год назад
Very nice & informative video.. just subscribed..
@shankarnath
@shankarnath Год назад
Thanks and welcome aboard
@gauravmalik7940
@gauravmalik7940 Год назад
Shankar sir, you are doing a good job, good in depth content
@shankarnath
@shankarnath Год назад
Thank you
@chandrubhagtani461
@chandrubhagtani461 Год назад
Valuable information
@shankarnath
@shankarnath Год назад
Thx 🙌
@vikram0607
@vikram0607 Год назад
You are an inspiration for upcoming content creators
@shankarnath
@shankarnath Год назад
Thank you very much, Vikram. Much appreciated
@vikram0607
@vikram0607 Год назад
@@shankarnath I'm also thinking of becoming a creator and your hard work truly inspires me
@shankarnath
@shankarnath Год назад
@@vikram0607 Wishing you the best.
@bala5782
@bala5782 Год назад
Excellent coverage. NPS should have had a mention as one of the instruments. It only got a cursory mention in the annuities section.
@shankarnath
@shankarnath Год назад
In my view, NPS is a pre-retirement instrument and the 9 options explained here were all post-retirement instruments. One can invest in an NPS only until the age of 65 & one has to withdraw/buy annuity by 70 years -- so it really doesn't serve the purpose of retirement income. If you have a counterview, please let me know. Thx for the suggestion!
@rkadarla
@rkadarla Год назад
This is one of the most brilliant information i have recently come across, a lot of great information shared with a great efforts put in to made it as useful as possible, you are extraordinary sir, thanks for the info.
@shankarnath
@shankarnath Год назад
Most welcome, Ravikumar. Glad you found this collection of instruments useful. Please do share it with your friends and well-wishers.
@krishnakumarsubramaniam5312
Very interesting as i am in the mentioned age group to work on my Sr. Citizen income portfolio. Thanks Mr.Shankar for putting this together. Really helpful. I will post it in my other Social media platforms!
@shankarnath
@shankarnath Год назад
Hope you find it useful, Mr. Subramaniam. And thanks for the shares! 🙌
@raosubba5557
@raosubba5557 5 месяцев назад
Brilliant Elaboration
@shankarnath
@shankarnath 5 месяцев назад
Thank you!
@Chikusurili
@Chikusurili Год назад
Great content
@shankarnath
@shankarnath Год назад
Thank you
@think-tank6658
@think-tank6658 Год назад
Sir ur putting lot of effort in your video .keep going 1 million will be soon coming 😊.with ❤ from Bangalore
@shankarnath
@shankarnath Год назад
Thank you so much 😀
@Sealink432
@Sealink432 Год назад
Sir, I am seeing it first time, very clear ideas & all schemes clearly explained, myself taken screen shots of your various charts, I am going to retire in this year, it will be very helpful to me. Thank you so much, Bring more and more videos. Best wishes for future journey.🙏
@shankarnath
@shankarnath Год назад
Thank you very much Shriniwas ji. Glad to see that you found my content relevant and potentially useful.
@jayarammenon7124
@jayarammenon7124 Год назад
Very nice, friendly and highly professional..🙏🙏
@shankarnath
@shankarnath Год назад
Glad you liked it!
@jayarammenon7124
@jayarammenon7124 Год назад
Appreciate your humility to reply a layperson like me💕💕🙏🙏
@dsaha7700
@dsaha7700 Год назад
Shankar Ji very very useful content and many many thanks... from all SC....
@shankarnath
@shankarnath Год назад
Always welcome :)
@ayeditya
@ayeditya 10 месяцев назад
This is such high quality content! Kudos to you, Shankar!
@shankarnath
@shankarnath 10 месяцев назад
Thank you very much 🙌
@ayeditya
@ayeditya 10 месяцев назад
Hi Shankar -if i need to connect with you , how can I reach you?
@shankarnath
@shankarnath 10 месяцев назад
@@ayeditya I'm on hello@beginnersbuck.com
@gokuliyer7249
@gokuliyer7249 Год назад
Hi Shankar, I have been a viewer of your videos since the last few months and I must say I look forward to new content from you every week. This video in particular will be useful for my relatives who are senior citizens and are looking for avenues to invest a portion of their money. I would also like to tell you that I provide high quality captions/subtitles on videos, and I was thinking they can be a good addition to your videos. I'd be willing to add captions for completely free to your first upload, and if it is something that you'd like to have going forward in each of your uploads then maybe we can get in touch! (Added bonus is I'm also a Chelsea FC fan :D)
@shankarnath
@shankarnath Год назад
Hello Gokul, 1. Thank you very much for your continued patronage. I hope your relatives find the video useful 2. I have been adding subtitles in all my videos. My understanding is - for users who need it (esp. if they are watching while transiting & w/o headphones), they can tap on the CC button and read it. If you have something else in mind, please write to me at hello@beginnersbuck.com .. thanks!
@venky884
@venky884 Месяц назад
Vry engaging and clear video 👌
@shankarnath
@shankarnath Месяц назад
Glad you liked it
@sourabhmayekar3354
@sourabhmayekar3354 Год назад
Good one
@shankarnath
@shankarnath Год назад
Thank you!
@parthaprateemraychoudhury7689
Hi Shankar ji, thanks a lot for sharing a variety of financial avenues that a senior citizen (like my 66 year old Mom) can benefit immensely. As her only son, I have been working hard since a decade so that she can streamline her income and build wealth too in her golden years. Thanks again for highlighting the financial instruments in details for the senior citizens. I’ll definitely share this video with her. Also, happy ‘Rongali Bihu’ (it’s the biggest festival of spring, Mother Nature which signifies colours of joy and start of Assamese New Year). 🙏
@shankarnath
@shankarnath Год назад
Happy Rongali Bihu to you, Partha ji. I was reading about it yesterday along with news of investments announced by PM Modi incl. AIIMS Guwahati. At my home, we celebrate the commencement of Tamil New Year. I wish you and your family a wonderful year ahead .. and happy to know you found the video content useful.
@navani45
@navani45 Год назад
Shankarji goo for people without pensions from their employment when they were productive.
@shahsvas
@shahsvas Год назад
very informational video ShankarJi. Used to watch many of your videos on ET Money. My request for this video would be to add max investment limits in the summary matrix for each investment vehicle especially the Govt related schemes. Kudos & keep up the good work.
@shankarnath
@shankarnath Год назад
Thank you for your appreciation and suggestion
@ralphrau
@ralphrau Год назад
Thanks
@shankarnath
@shankarnath Год назад
Thank you for your kind appreciation and this gratuity
@VishalSharma-dp4cd
@VishalSharma-dp4cd Год назад
Thank you very much for the information shared. Can you please share some video on people in private jobs with no or very less post retirement benefit from their employers.
@shankarnath
@shankarnath Год назад
Most welcome. I think you are referring to pre-retirement investments. That's a big topic in itself. I don't have a video on it yet.
@bala542
@bala542 Год назад
Thanks for sharing the useful information. Started with certificates 😂😂😂. Good Creativity 👏👏
@shankarnath
@shankarnath Год назад
Most welcome
@nandansubramanya
@nandansubramanya Год назад
Thanks a lot for this wonderful video. 11:20 speaks about many ways, it would be helpful to add an example of them in the description. Particularly, I tried to find out about aggregation platforms, and could not find any.
@shankarnath
@shankarnath Год назад
Most welcome and thanks for your suggestion
@vishnurajmr9323
@vishnurajmr9323 Год назад
Sir I was wondering how you place the video on need time. Yesterday I was trying to explain the same options to my parents. Now, I can have a great clarity on my explanation. Again I'm comment one. Thank you sir 🙏
@shankarnath
@shankarnath Год назад
Most welcome, hope you & they find it helpful. I gave my father a preview earlier today and he liked it
@mariannmenezzes1710
@mariannmenezzes1710 Год назад
Thanks Shankar, very useful information because very soon I will retire from work, need to invest my retirement accumulation very securely to protect myself and my dependents.
@shankarnath
@shankarnath Год назад
Most welcome, glad to know you found this helpful .. and wishing you the best!
@elavarasans4937
@elavarasans4937 Год назад
Investing in low volatility and high dividend yield stocks are also an option for retirement.
@probalchatterjee5610
@probalchatterjee5610 5 месяцев назад
Hi @shankar.can you please do a deep dive on a reverse mortgage. There are some fine prints on what purpose the monthly money received can be used for. Kindly create a video exclusively for the same.
@shankarnath
@shankarnath 5 месяцев назад
Thanks for the suggestion
@Shaantanupareek05
@Shaantanupareek05 Год назад
Great content!. Can you please create dedicated video on Real estate (rental, buy commercial vs flat vs plots).. would love to hear your perspective..
@shankarnath
@shankarnath Год назад
Thank you! I'll add investing in real estate (physical) to my content queue
@Shaantanupareek05
@Shaantanupareek05 Год назад
@@shankarnath Thank you
@arjunps6776
@arjunps6776 Год назад
What a fine video Shankar! Very interesting to know about the reverse mortgage product. Is it available only for senior citizens? Is it available on a house that is rented out to someone else and also for a plot of land with no house on it? Maybe you cam share some materials about it as there are so many questions on reverse mortgage.
@shankarnath
@shankarnath Год назад
Thank you. Yes, a lot more information is available on the Internet esp. bank websites. Some links: homeloans.sbi/products/view/reverse-mortgage-loan www.unionbankofindia.co.in/english/personal-retail-reverse-mortage.aspx www.indianbank.in/departments/ind-reverse-mortgage/#! www.idbibank.in/reverse-mortgage-loan.aspx bankofindia.co.in/star-reverse-mortgage-loan
@sdembla9
@sdembla9 Год назад
Great Video.. I would like to suggest you make some content on NRI investments in India for both debt and equity, also may be highlight the tax implications..
@shankarnath
@shankarnath Год назад
Thanks for the suggestion
@namitajain68
@namitajain68 Год назад
Very informative video. I wonder why you haven't included ppf. A corpus gathered over 20-30 years can ultimately lead to healthy annual withdrawal of interest / capital to fund retirement.
@shankarnath
@shankarnath Год назад
Thank you. The video was on post retirement income strategies i.e. AFTER a corpus has been accumulated. PPF is one of the many instruments that is used to accumulate a corpus.
@satyaswaroopc5865
@satyaswaroopc5865 Год назад
Amazing opening with the certificate image😂.
@shankarnath
@shankarnath Год назад
Thank you!
@abhishekbiswas4516
@abhishekbiswas4516 Год назад
Dear Shankarji, Big fan of yours since your ET Money days. I have a question on Target Maturity Funds. How to best use TMF? Can this be used to build a corpus like a Bank RD over a 5+ years ? i.e. can we use SIP in target maturity funds create a small corpuses at different period of time ? i.e. Child Education , a down payment on home purchase etc. ? A video on TMF and how to use it will be very helpful
@shankarnath
@shankarnath Год назад
Thank you for your suggestion
@mahendrakumaroli2559
@mahendrakumaroli2559 Год назад
Out of many options described in the video one may select few to generate regular income as per own requirement. Just to add only that much income should be generated by using these options that is required for managing once periodic expenses, as extra income generated will burden you with extra taxes. 2nd only annuity can lock decided fixed return for rest of the life of the investor.
@shankarnath
@shankarnath Год назад
Thx for sharing your views
@prasad.pujari
@prasad.pujari Год назад
Excellent consolidated information. If you can make video on people in age group of 45-50 Yr covering retirement planning options like Differed Annuity , NPS etc in detail will be helpful.
@shankarnath
@shankarnath Год назад
Thanks for the suggestion
@rajashekarreddy4912
@rajashekarreddy4912 Год назад
Plz do one video on best SWP scheme?
@shankarnath
@shankarnath Год назад
Thanks for the suggestion
@harshjain6134
@harshjain6134 Год назад
Thanks sir for your great videos...eagerly waiting to see latest from on et money genius as its been now more than 1 year hows the returns comparing to bench mark
@shankarnath
@shankarnath Год назад
Thanks for the suggestion
@jkfloray
@jkfloray 8 месяцев назад
A great video I stumbled on. Thank you. Do suggest some interest free income, specially useful for those Sr. Citizen who get pension just within tax-free limit of 5L. BTW I am now your subscriber
@jkfloray
@jkfloray 8 месяцев назад
I am 69 years old.
@shankarnath
@shankarnath 8 месяцев назад
Welcome aboard sir. Do you mean "interest free" income or "tax free" income? If it's tax-free, then there's always: a) PPF b) life insurance traditional plans (I don't like these much as they give ~6% returns) c) tax-free bonds d) ULIP (this is OK, but please go for low cost ULIPs only & allocate in debt) I think there arent't many options here and over time I've encouraged my parents to think in terms of opting for high return instruments like a balanced advantage fund where the returns over time are higher (10-11%) and an LTCG tax of 10% (after a 1 lakh exemption) means they make 10% return on capital. Please do consult a good financial advisor for more details on this, thanks!
@jkfloray
@jkfloray 8 месяцев назад
I've invested in Balanced Adv, Flexi-cap, and small cap.
@GodKnowsWhoAmI
@GodKnowsWhoAmI Год назад
This video is gold. I keep on reviewing gold nuggets u have shared. 1. Could u pls share if NSC and SCSS interest is taxed as FD or is taxed only at the time of maturity. 2. Government securities - if i want to invest in government bonds, not buy from secondary bond market, how do i do that. I havent see govt issuing bonds in a long long time.
@shankarnath
@shankarnath Год назад
Hello, I can't be sure as tax is not my strong suit. There was an article on this very point on livemint but I still not certain, maybe you can have a look at that. The article also mentions the email id of the author, perhaps you can contact him for advice. Link: www.livemint.com/money/personal-finance/national-saving-certificates-nsc-income-tax-rules-on-interest-explained-11664976013730.html
@GodKnowsWhoAmI
@GodKnowsWhoAmI Год назад
Thank u so much. Really appreciate your prompt response.
@vasudevaraodesai5654
@vasudevaraodesai5654 Год назад
Can you make a video for investment opportunities for central / State govt pensioners from their retirement benefits.
@shankarnath
@shankarnath Год назад
Thanks for the suggestion
@jeevaraj8266
@jeevaraj8266 Год назад
Sir which mid cap mutual fund is best for long term sir..
@user-vw8bi4be7m
@user-vw8bi4be7m 8 месяцев назад
I like your reverse mortgage idea. If I have 2 houses, can I reverse mortgage the 2nd house and also rent the house.
@shankarnath
@shankarnath 8 месяцев назад
Kindly check with your bank on the process, pros and cons. Different banks have different terms and conditions, please understand them
@ashishbhatt7861
@ashishbhatt7861 Год назад
Sir please make video on hinglish language...
@venkatakrishnanjayaraman5410
Good video for senior citizens, can you share where do early retirees invest,
@shankarnath
@shankarnath Год назад
Thank you. I don't have specific information on where early retirees invest but if I can proffer a guess, it should be a mix of equities and bonds. The equity ensures the portfolio remains above inflation while the debt part ensures cushioning from shocks.
@venkatakrishnanjayaraman5410
@@shankarnath Thank you!
@romu44444
@romu44444 Год назад
Please do it for non SC as well. Who has the requirement to generate regular income.
@shankarnath
@shankarnath Год назад
Thx for your suggestion
@sagardiwan598
@sagardiwan598 Год назад
Great video.. Can you pl throw more light on State Govt bonds .. Some of them are offering int rates upto 11-12% .. For example Andhra bonds .. UP bonds.. Why there's so much difference? Are they safe ??
@shankarnath
@shankarnath Год назад
Thank you. Are you referring to State Development Loans (SDL)? Pls read up more about it on mf.nipponindiaim.com/knowledge-center/what-are-debt-funds/state-development-loan
@user-fo7by6co7p
@user-fo7by6co7p Год назад
Very nice information 😊; However, just wondering people in theirs 20s or 30s should focus on what Corpus amount for their retirement at age 50-60- or maybe 70?; I think if we will be an advanced economy by then we probably may have much less interest rate maybe 5% or even below. So, is it good to relax and plan considering 8% or above for a retirement planning. Obviously one can expect 12% returns atleast in good equity debt AI mix.
@shankarnath
@shankarnath Год назад
Thank you, glad you found it useful. I prefer reviewing the factors every three years and being conservative in my assessment
@MrPratishsheth
@MrPratishsheth Год назад
Hi Shankar ji, with addition of new topic of Higher EPS95 based pension , one can allocate more for growth after retirement ? Any session on digesting EPS9, please plan a session on this
@shankarnath
@shankarnath Год назад
Thanks for the suggestions. Yes, I have EPS in my content queue .. will have a video on it by the end of next month.
@ahamedkabir2006
@ahamedkabir2006 Год назад
Hi Shankar ji, I plan to add pginvit 10% on debt portfolio , it is good?
@salmonswansi7090
@salmonswansi7090 4 месяца назад
In dept fund what happens to interest of liquid fund overnight fund or any other dept fund what haapen to interest do we receive interest or it is kept by mutual fund and our profit is just increase in NAV
@shankarnath
@shankarnath 4 месяца назад
It depends on whether you are going for growth or IDCW plan.
@bideshroy486
@bideshroy486 Год назад
Can you please make a vedio on SLBM
@shankarnath
@shankarnath Год назад
Thanks for the suggestion
@vidulamathkar
@vidulamathkar Год назад
Hello Sir .. Thanks for educating in a comprehensive and elaborative way. It is highly appreciated if you let us know whether you are providing personalised financial planning services and / or services regarding overall mutual funds portfolio for SWP and growth perspective. Pls give your contact details in that case. 🙏
@shankarnath
@shankarnath Год назад
Hello Vidula - not currently due to paucity of time, but I'm working the specs for a paid model. Please allow me until the 1st week of May to get back on this.
@ksn1arju
@ksn1arju Год назад
Hi Shankar. Thanks for your video. What about corporate bonds and NCDs especially the ones backed by state government
@shankarnath
@shankarnath Год назад
Most welcome. Which state backed instrument do you have in mind?
@ksn1arju
@ksn1arju Год назад
I eas referred to UPPCL and Andhra Padesh State Bewersge ltd
@farzanabaria5736
@farzanabaria5736 Год назад
Very interesting video 👍Can you please share the link where we can buy Govt Bonds..RBI retail online. Thanks
@shankarnath
@shankarnath Год назад
rbiretaildirect.org.in/ .. specifics on the steps are available on the Internet, please read those too as it requires the opening up of an RBI account aswell. Thx!
@sanjivbehera5558
@sanjivbehera5558 Год назад
Shankar ji, Whether annuity is advisable for retired person or SWP from a mutual fund is good option. Whether annuity is good considering return point of view.
@shankarnath
@shankarnath Год назад
In my view, annuities should not be looked from only returns standpoint. Infact, returns is a bit later. The primary way to look at them is in terms of predictability. In the example I gave, 10 lakhs at age 45 .. is 11,192 rupees every month from year 57 onwards for the rest of one's life. Now this is a good framework and there are some consumers who'll say "well, let me put in 10 lakhs every 2-3 years in a similar deferred annuity plan so that I can receive a higher monthly income as I get older". A fixed return has its charm and I believe annuity seekers would look at it that way. Coming back to returns, this depends from insurer to insurer and there are many variants of annuities. A discussion with an agent is a good way to understand all the available options.
@sumedhsonawane2660
@sumedhsonawane2660 Год назад
Is reverse mortgage an established product in India?
@jayadevtn1987
@jayadevtn1987 Год назад
Hi sir , thanks for this wonderful video . Regarding the scss scheme , my dad had invested in the same last dec . Regarding the 30lakh investment , is this already active and can senior citizen directly invest 30lak today if they go for both himself and spouse each totalling to 60 lakh ?
@shankarnath
@shankarnath Год назад
Most welcome. You can enquire if the 30 lakhs functionality is live from your nearest bank or postoffice. Many might have even announced it on their website
@jayadevtn1987
@jayadevtn1987 Год назад
Thanks sir
@hemangisanghvi980
@hemangisanghvi980 Месяц назад
Sir, what is the upper level of capital, to be invested in REIT ..
@shankarnath
@shankarnath Месяц назад
I'm not sure there is any. Pls search on Google.
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