My life changed too when I started doing this and putting money in stocks. The first few years it as really great, but this year I haven't felt like my portfolio is doing well. I have lost more than $40,000 from my portfolio the past four months, and it's now very worrisome.
The year has been really rough for everybody. But I've been able to cushion the effect though. Have you thought of using an investment advisor? They can make you good money especially during uncertain times like this.
Yes, I agree. I use a financial advisor too. Same person since 2020. I don't worry about whether the economy is going up or down or sideways. I always ride through.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
My wife is already panicking, so many questions! will the rate cut lead to inflation? I'm very worried about my $1million stock portfolio losing value. Do i move to 100% cash? What strategies should I be employing in my portfolio right now?
Putting well-earned money into the stock market can't be over emphasised for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $2M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me??
Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.
Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $175k to $450k despite inflation.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with *Julianne Iwersen-Niemann* for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I’m 55 from Sri Lanka but worked overseas in USA all my life. After investing from my salary of 350k, I make 3% annually, which my friends say is very low. My employer 401k of $220K returns about 4%. What would you advice to do with my portfolio for improved returns?
I don.t really know your risk tolerance or asset allocation, sounds like just bad stock picking. Also unclear if you have an advisor providing value via financial planning or other decision making. But likely scenario is just bad stock picks. Index funds, Etfs and chill.
@@PickerellRight, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my portfolio has grown by 25% every quarter since Q3 2020.
I've stuck with the popularly ‘’Jennifer Leigh Hickman” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
thank you for putting this out, it has rekindled the fire to my goal... was able to spot Jennifer after inputting her full name on the web, she seems highly professional with over a decades of experience.
84 month in 1.5 lpa equal to 12600000. Now 8% on it comes to 84000 per month so he is home. No wizardry here just more disposable income to invest .. how many individuals have 1.5 lakh to invest over 1 lakh of monthly expense.... happy for him...
Bhai baat kuch hajam nahi hui, being finance background and also a CA he didn't save till age of 50 and after suddenly he starts when friend say and after 7 years build Corpus that he and his family can live till 100 years...what is this....
I recommend two types of SIP's 1st SIP is systematic investment plan, do it as soon as possible for as long as possible 2nd SIP is systematic improvement plan, means keep learning about finance 🎉
@@Purnao6151 it means keep learning about finance, it will make you to take right decision and let you to choose best place to park your money. Learning finance also leads you to reduce risk factors and you will take calculated risk.
Without saving anything upto 50 and all of sudden he is able to invest 1.5 l pm. How did he took 1 cr term insurance . How did he invest in stock market and mutual funds. Is this a joke?
He might not have invested till 50. The corpus was probably in safe funds lime FD. But baffling thing is about govt schemes. He has a 1cr in that, something doesn't add up
He took term insurance by paying an amount monthly which is possible. He was earing 2.5L is what he said. From that he start doing sip in mutual funds and some amount in equity. During covid crash he must have invested more and got very high return in equity and mutual fund when market bounce back. It happened with many investor who invested during the time of covid.
This is very much possible...... Think logically, the maximum amount invested of which he was earning may yield such a return and how many of us earn such a good amount per month. The view of sreekumar is also correct. Right time right opportunity.... And then boom😊 And after seeing lots of podcasts, I think the time matters most but quantum of investment is also an essential ingredient. Investing Rs 1000 will not not be same as 1.5 or 2 lac per month, so one should focus on increasing his income through his skills Rather than starting low amount at early stage....
There is no details.. Very generic statement.. Not sure if there is any value for the viewers because if people say that they have achieved financial freedom in 5-7 yrs by investing in mutual funds, and not giving any details..
People undermine Indian Economy, I'm 36 and just took retirement, I worked my a$$ off for 15 years, lived extremely frugal and now I achieved what people plan for 50s and 60s..
They did not mention what is his retirement corpus ...even after investing 1.5 lacs monthly for 7 years you will not get more than 2.5 crs considering return of 18 percent which is rare
Having been concerned about finances throughout my entire adulthood, it's captivating to observe this video and realize that one can achieve alot if goals are set right. Experiencing the freedom of not being preoccupied with the financial concerns that consumed me for numerous years is truly liberating. I suppose this is the result of putting in diligent effort for the future.
Remarkable observations! Handling and staying abreast of things can be quite daunting for newcomers like myself. Are you a seasoned investor, or do you employ a methodical approach to staying well-informed?
Since the inception of my business, I've maintained contact with a financial advisor. In the current cultural landscape, the difficulty lies in discerning the opportune moments to buy or sell when dealing with trending stocks. This process, while seemingly straightforward, is effectively managed by my advisor, who handles entry and exit orders for my portfolio. Over the span of just a little over a year, my portfolio has seen substantial growth, exceeding $750k.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance.
Very good interview. I just started investing but greedy and no information, Now after watching this interview I know how to rebalance. Now I am going to rebalance my funds from 32 to below 8. The information provided for choosing AMCs by alpha and beta and standard deviation is great information. Very fantastic interview it is very sharp. His expertise he proved in choosen large & Midcap instead of largecap. Risk management is superb. Very very useful expecting next. ❤❤❤❤❤👌👌👌👌👌👏👏👏👏👏
Technically it’s achievable, don’t forget he mention his literacy in finance and abilities to assess risk. I did the strategic calculation and it’s possible but only through equity and equity funds which can perfectly and give sustained results and it has been possible in post covid bull run.
Let me explain how he made 7 years retirement plan 84 months *1,50,000 = Invested Amount ₹1,26,00,000 20% returns every year and End of 7 years total returns = Total Wealth ₹2,75,29,398.3 After that FD of 2crore interest earned as senior citizens 16 lakh rupees per year /monthly income is 1,34,000 and 25 lakh spent After that if after at 57 again he invest again 50 lacs keep in it for 20 years at 20% per year at the age of 70 he will get ₹19,16,87,999
The interview would have been more helpful to me as a budding investor had I got to know critical information such as how much the gentleman was able to build in his 7 years of investment horizon, what was his amount of SIP, and average growth rate (cagr) etc.
Hi Vishal, We spoke to the guest, and he mentioned that he wants to keep his portfolio confidential. Regarding the CAGR, he said it was more than the average returns. He also mentioned that he was earning 2.5 lakh per month and was quite open about it. This can give you an idea of how much he would have invested per month.
Hi! I'm from New Delhi looking to start investing in the US stock market with $80-100k. Should I focus on index funds or individual stocks? Also, any tips on handling currency exchange rates? Thanks!
With $80-100k, I'd suggest a mix of index funds and a few individual stocks. Diversify and watch currency rates by converting in smaller amounts. Good luck!
Personally I put down 1.3m$ on few ETFs, still diversifying. It was this time last year I made my first million with a liquid 200k. Invested it with a CFP here in TX, I get weekly pay out which I invest back on long term ETF's. Google will be a huge buy for me when the market bottoms.
*Marissa Lynn Babula* is the licensed CFP I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
very high level interview without logic! its fine being a CA not aware of investments may be possible. He says 100 years both can survive on 7 years investment 150000 monthly. which comes about 2,23,45,223 at 15% returns. Any way not convincing for sure
Traning in finance income 2.5 Lakhs per month and no savings, no investments till @ 50 ... Great 😂😅😂😅 please don't fool innocent people's for God Sake 🙏🙏🙏🙏
@powerup_money Statistics which is used in the video is Consistent Return , Standard Deviation , Alpha , Beta . Can we have one session on how to put this in excel sheet / pater and compare the funds .. ?
2.5 Lac per month ?? That is big big big amount, even if he is talking about 2017, Nifty 50 was at 9500-10,000 , while gold price was around 28000, today nifty has grown almost 2.7 times, and gold has tripled. Even a 1.5 lac of SIP in worst performing fund would have given him CAGR of 15 % in these 7 years. No big deal.
When he was explaining about Alpha Beta and Standard Deviation... There was learning which was when you cut him off and cutshort the video.... Let him explain that part
It's unclear what his target retirement corpus was approximately. He mentioned earning ₹2.5 lakhs per month at age 50, with the ability to save ₹1.5 lakhs per month. This implies his personal monthly expenses were ₹1 lakh. By saving ₹1.5 lakhs per month for 7 years, he achieved his retirement corpus as per the FIRE terms (25X) equaling ₹3 crores (inflation not considered). Does this mean he invested ₹1.5 lakhs per month and achieved a 22% YoY return to reach the ₹3 crore corpus?
Unclear about his 7yrs investment period, he started 2006-07 plus 7yrs= 2014 and I don’t think mutual funds was giving 22 CAGR during that period. He invested 1.26 cr and made more than 3 times means 3.78cr.
If you are trained in finance and not had term insurance till 50 age, it's not believable and also with in 7 years getting lot of corpus is not completely below though it has good intentions to educate
1.5lpa for 7 years at 15% compound interest is 20,319,241. Is that the corpus he was going for? This would have been a lot more helpful with real numbers.
super fast super short yet very informative interview. Only part question could have added to this is the allocation in the 4 types of funds that he preferred.👌
More than what he did after 50, would be food to know why he did not invest till 50, that might give some learning for people ti start early rather than start after 50. I pray that nobody follows his example and start after 50
Focus on learning one strategy and keep refining it. It's more than enough for the long term. No need to take immense risks in the market. And remember, your strategy will not work for me and vice-versa. Market demands your time and patience, no shortcuts. Great video.
How much Corpus he earned in equity that should have been revealed and in 7 yrs how did he get the Corpus to live for 100 yrs even if he invested 1.5 lpa and 20% return there is something missing in this video
Did not liked it..full of gassy talk..it should be serious people..who has really achieve step by step with moderate source of earning..we should bring that kind of people in the platform..max 1 to 1:5 lakh per month earning..it will relate many people
Whenever you make such videos or please come with the proof so that the viewers at least believe it to some extent. Everybody does this kind of podcasts but nobody I repeat nobody will share their portfolio and dates from when they actually invested and in what funds or stocks. I think this makes some sense…
This is some kind of jokes or an interview? This is like Sachin Tendulkar saying, I was well trained in cricket then started participating at international level at the age of 35 and hit 100 century at the age of 37 and retired. How can a finance fellow didn't invest till the age of 50% ?
2.5L per month. 30 L per year. For 20 years it will be 6 cr. Not deduct taxes, school education, monthly expenses and add it up with inflation 😂😂.. This interview is for fooling people😂 .. kuch bhi
Dividend investing is most effective when approached with a long-term perspective. While dividends can provide immediate income, the true power lies in the compounding effect over many years. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas.
What a liar!! Senior citizen saving scheme of post office allows an individual to invest only upto 30 lakhs..if he does it for wife then it will become 60 lakhs not 1 cr.
WHAT RUBBISH..... the guy said he was earning 2.5 lakhs per month.... GOSH that is enough to save in 7 yrs... it is DEFINITELY not a great achievement if you are earning that high dude!!!
Hi Vivek, Our guest shared his income, allowing you to estimate how much he might have invested, considering he mentioned investing aggressively. Regarding the fund, we avoid disclosing any specific names as per regulatory requirements, and we intend to strictly adhere to this policy.
This is a totally misleading and falsehood information. I checked ICICI flexi cap, mid cap, HDFC flexi cap and mid cap funds performance from 01.4.2007 to 31.02.2014 (7 years period). If one had invested 1.50 lac per month for 7 years the accumulated corpus would be between Rs 1.75 cr to Rs.2 cr un a flexi cap fund and between Rs 1.80 Cr to Rs.2.25 cr in a mid cap fund. These 2 were the largest and best performing funds during that period. I can't see how one would be financially free with just a 7 year investment. All this time we have been educating people that one starts at age of 22-25 they will end up with a larger corpus for retirement than one starting investment at age 35 even with a higher SIP. I hope people don't spread such false videos for their personal gains, this can damage many people's lives.
Madam.. you should have asked the correct question and cross verify his answers..not just bla bla bla..he has not saved till age of 50 and suddenly he got 1.5 L for saving . Kuch jyada bakwas nui hai kya .. kya kiya abhi tak paise ka and he is finance background person..search nice and talented person for interview .. 20 %equity+ 80% MF . His own corpus is itself inough at 57. No need to invest in equity and MF..
He had money to invest but what about people with low salary. Majority of people's Income in India is below 30k and will they save or spend on their monthly expenditure. Please don't make such videos and mislead people in India because after pandemic most people are jobless. Term life insurance is good but people do not have money to even eat one meal. Did he rob someone suddenly at 50 to get all the money to invest..
We must not hear from him. ,..with such high package,he can retire within 45,with very less investment per month. So choose speaker wisely and spare my time.
In short..as a finance professional I saved my ass by investing at 50. So we need to wait till 50 n do the same in order to appear in your interview?😂😂😂
Guys see this so called finance professional are high earning people. Till 50 no savings. Do you believe. They are here through paid promotion to tell their fake forged experience and make you people to follow them take their course and lose money . Don't go behind these dumbs.
