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Simple man, simple life, simple investment strategies...If ever there was a face to the K.I.S.S. principle, it should be Pattu sir's. Such a delight listening to him.
I might not agree with Pattu sir on some points( just because he’s very conservative and that’s completely fine ) but listening him for an hour was just awesome so much to learn from him .
Five years and zero returns. We ll become conservative. He started with that scenario. Our thought process shape up with our journey. I am not a believer in index funds though.
Very conservative ? He has 15 crores which he didn't take much time like 30 years dude. Still you say conservative. Don't watch one or other video and judge him. Watch each and every completely.
@@kwondo_22_mars he made 15crs with his active income not from investments that way lawyers and doctors make much more what then ? He’s very conservative and fears to take risk that’s the fact and I said it’s completely fine everyone has his own risk taking ability nothing wrong in that .
Pattu Sir is Legend. In this pool for wannabe finfluencers guy is God of Investments. Crazy Man in good sense. Much respect sir. Its a pleasure always to listen to you. Kudos to the people of this channel to host a great man. Salute
Hi sir, I am sharing my story. My age is 35 and I have zero debt, 30 lakh in bank,fd, share market and MF, Sukanya. 35 lakh in retirement plan like ppf, vpf, pf and 2 bhk flat in talegaon with zero home loan, bicycle and 2nd hand car(hundai Verna). And next 2 yrs I will be in 1cr member. My study done with state board and I was very average student in whole study life. I started saving after marriage only within 7 yrs I made 1 cr value of my money.
@@amritclassesaducator3451 thank you sir, all credit goes to my wife, financial channels in RU-vid where I learnt much things in respect of saving and spend.
@@Deena4421 skill enhancement, job change in every 2.5 yrs., investment in mutual fund and other govt schemes, 20% spend , 80% saving . These are few major points in my whole savings.
@@Deena4421 80% saving and 20% spend. Job change in every 2 yrs. Salary increased 5x from last 7 yrs.. mutual fund investment, stock, fd, Sukanya samridhi yojna, vpf , nps. These are major factors
Best approach for SWP - First 3 yrs - arbritage fund Next 3 yrs - baf fund Next 2 yrs - aggresivs hybrid fund Next 5 yrs - flexi cap fund Next 10 yrs - mid cap fund Next 15 yrs - small cap fund
Excellent Conversation. SWP is more suited for fixed income instruments where the returns are more or less guaranteed and don't fluctuate too much with market dynamics. When you are in the market you need to cover all scenarios before investing (SIP)/withdrawing(SWP). Market doesn't behave like the numbers you put in an excel sheet, so decide wisely . When you are investing be aggressive (100% equity), when you are withdrawing be conservative ( Hybrid/FD/Debt)
Hemant sir ma apki har vedio Dekh ta hu .aur apki vedio sa inspire ho kar mutual funds ma 10,000 ki sip start kr di ha . Apki GIGL app sa ve book read krta hu .apsa bhout kch Sikh reha hu . Thanks for GIGL❤
These type of conversation is never gonna get million views or 100k likes. Only videos like Ankur warikoo or pushkar thakur gets 100k likes where only cheap calculation of 20-25% cagr and multibaggers are discussed 🤣 The reason is none of the viewers of Warikoo has the intelligence like Pattu sir to calculate and research on all sorts of fun instruments, not they have technofunda knowledge to analyse at least 10 stocks like Shubham.... Hence, people will watch the cheap calculations and sasta clickbaity videos and lose money everyday...
शुभम्, your podcast and approach and calculation every thing is very addictive. Nice going. Only one thing I would like to point out is that you uttar too much of 'OK', sometimes 5 times in a single sentence. It is very very irritating. You should work on it as you are on a public platform .
Hey, you just got a new subscriber! :). Loved the interview and the way you both added to the conversation where necessary. Taking a risk(with my time) and hoping it works out :)
Love you Shubham Sir.. please make vedios on taxes when redeem from mutual funds.. should one redeem and approach based on when to sell for mid term and long term investors. When to Redeem from small cap , mid cap
Pronam pattu Sir. I am asking you when fund houses will launch hybrid index funds in the market as SEBI proposed it in the month of July 2024. Please give information about it.
Didn't understand the ballpark number given by Pattu sir. If withrawal rate is 3%, i.e. Total annual expenses divided by Total Corpus then the number would be 33x and not 40x.
Sir 3% withdrawal is safe to retire at what age? Wihdrawal rate is clear not sure if it has aged attached to it. Longer the post retirement life higher will be the uncertainty.
Informative podcast. Hemant, please end the podcast with some nice lines instead of saying Just thank you. Say, thank you very much for your time, have a nice time and to the viewers, we are one step closer to Financial Freedom! 😅
फाइनेंशियल freedom के पीछे क्यों पड़ गये हो तुम सबवे लोग। कोई भी फाइनेंसियल free नहीं हाउ सकता। even ambani भी। तो फिर क्यों ये बकवास video बनाकर पब्लिक का time kill करते हो।
@@goolqui what kind of attitude is this. Everyone is not in same situation. If you are educated, It's God's grace - nothing else. Be compassionate towards others.
@@DeepakSharma-dc4gd ever heard of hindi imposition? ever heard how bihari kuttas come to our state and r 😭pe our women? go learn first about hindi imposition and then talk.
@@DeepakSharma-dc4gdto demand hindi from others is the actual attitude problem. If you don't understand English, there are other podcasts where hindi is spoken, go there.
@@rageshgr i am not being arrogant. but if the most of the audience is comfortable with Hindi and also none of participants' mother toung is English, then what is the need to so this podcast in English language? Moreover if it were in Hindi language people can connect it with easily.
