5 CR BY AGE 50 by this Simple Method | Retire By Age 50 | Rahul Jain

[@Campbell957]

Retiring in 20 years? Due to inflation, you may need upward of $3.6million to maintain your existing lifestyle, with the ongoing effect of high inflation, lower forecasted stock market returns or value, and stagnant wages. Achieving a secure early retirement could be more challenging than ever before.

[@Hoffmanluiz.]

An obvious way to invest for a recession is to buy shares in businesses that are likely to experience steady demand even in a downturn. Typically, those are consumers staple, utilities and healthcare companies. But of course, such decisions can’t be made by an average joe, a financial advisor is highly recommended in making this decisions..

[@Harvey879]

You are right! Such considerations can certainly have a role, when I think about whether I ought to buy shares but I never purchase purely on that basis. I always have to seek the advice of my financial advisor who has help me gain over $1m in a well diversified portfolio that has experience exponential growth.

[@Barbara0015]

@@Harvey879 Do you mind sharing info on the advisor who assisted you? I'm 35 now, and i would love to grow my investment portfolio and plan for retirement..

[@Harvey879]

Renowned for his proficiency and expertise in the financial market, 'John Desmond Heppolette' my financial advisor, holds a broad understanding of portfolio diversification and is recognized as an authority in this domain. Just research the name online, you’d find necessary details to with a correspondence to set up an appointment..

[@Barbara0015]

@@Harvey879 Thank so much for sharing. Your advisor was simple to discover online. I did my research on him before I scheduled our phone call. He appears knowledgeable and well accredited based on his online resume.

[@sgeorge008]

This is the only channel who preferred nps over mutual funds. People don’t understand that same mutual fund companies are under nps. NPS is the lowest fund all over the world. I am investing heavily in nps for my retirement

[@maneshgaur]

What about annuity plan in NPS which you have to compulsorily purchase with minimum of 40% of your total corpus which will be given to you monthly as pension ( check annuity calculators you will get to know pension is very less amount) . You have access to maximum 60% corpus only which is not a good thing. On most annuity plans we get max 4-5% returns only.

[@KumarSomnath11]

NPS in the investment period is good. It invests in equity and debt. But the problem is the pension part. 40% investment will be in annuity. And annuity rates are linked to G-sec rates. So after 25-30 yrs. Annuity rates will be around 2-3% only. And you will have to take it. You have no other option.

[@torahulj]

For exclusive member only content, you can Join my YT community here: 👉www.youtube.com/@torahulj Click on the Join button next to the subscribe button and follow through the process :-) You can follow me here as well: 👉Insta: instagram.com/torahulj/ 👉LinkedIn: www.linkedin.com/in/connectwithrahuljain/ 👉Twitter: twitter.com/torahulj If you found this video educating, please let me know in the comments. 🙌 Also please drop your suggestions on the topic that I should make videos. Thank you for watching and learning with me, keep rocking :-)

[@pintopeter7472]

Hello Rahul what’s your views in which we start NPS when mutual funds capital gains tax increase.

[@deepanshulifestyle2074]

Very nice video, Rahul bhaiya

[@WalterWhite-og6wj]

Also, investing in NPS defeats the whole purpose here because the title says 5crore at 50, but you can't withdraw from NPS before 60 and that too maximum 60% where 20% amount is taxable. So wrong calculations and comparisons.

[@adjadhav]

Thanks Rahul Jain. You could consider the expense ratio for the mutual funds. That might dent the calculations. Will be interesting to see this inclusion

[@AnantArolkar-xi3cb]

What should be investment strategy for a person in 40s with 50k salary pm and 10 lac rs of savings? How to reach 5cr ?

[@drarunfrancis]

Came across your channel recently .. very informative and to be very presice . this video is a gem ...Kudos man .

[@sivasankarradhakrishnan63]

what is the retirement corpus required for me post retirement. I'm 60+ & my average monthly expenses would be around Rs.75000/- pl reply

[@maneshgaur]

What about annuity plan in NPS which you have to compulsorily purchase with minimum of 40% of your total corpus which will be given to you monthly as pension ( check annuity calculators you will get to know pension is very less amount) . You have access to maximum 60% corpus only which is not a good thing. On most annuity plans we get max 4-5% returns only.

[@sakthivelnr2136]

Very informative video

[@debitcreditnation1163]

Correction: only the lumpsum value ie., 60% of NPS maturity proceed is tax free and the rest 40% periodic pensions are fully taxable

[@unykfrndz]

Please suggest aggressive portfolio for children

[@rameshmaddali3864]

Rahul, why you took out 5L as tax, while 35% tax at age 50 will be around 12 L ?

[@jayapradapattnaik9459]

Hi Sir, you did not mention how to invest in US mutual fund ?

[@shivamgumber]

Wonderful sir! Very informative

[@ashish2408prisha]

50k at 30 yrs and 1lakh at 35.... Unrealistic video... At age 35 my salary is 1lakh... N i have home loan car loan education fees fir my kids... Atleast make some real life scenerio investment plan... N ppl who can invest 1 lakh will not watch your video for sure.

[@K2Maji]

5% in international equity... What difference it will make even if it gives a superreturn. Considering it's tax treatment it's an unnecessary clutter. Elss category is also almost redundant and don't know how you reconcile it with index fund.

[@aniefriend]

The assumption with which we started was 7% return on corpus of 5 Cr. But as of today, we have to buy Annuity with 40% NPS corpus & Annuity returns are in the range of 5-6% even today, after 20% would be probably in the range of 3-4%. Since we are investing 50% amount in NPS for 20 years, I guess we will end up purchasing Annuity of 1-1.25 Cr which will definitely lower overall returns. Plus, assuming 12% returns from NPS for 20 years, may itself be disastrous. Near retirement, preferably one should start moving considerable corpus to safe/ non- linked investments, to avoid sequence of returns risk. I guess life can not be exactly defined on an excel sheet.

[@WalterWhite-og6wj]

You are wrong about taxation on NPS. It is taxable. Only exempted limit is when a person withdraws just 40% at the age of 60, but if they withdrew 60%, then the remaining 20% is taxable.

[@AtharzReview]

50k investment per month? Its not even a salary.

[@priyasubramanian89]

Thank you so much for this video. Kindly do video for mid cap funds and US mutual funds

[@12345678996782]

Plz make a video on midcap funds. And also plz compare Midcap index fund vs active Midcap funds for long-term sir.. Will wait for video

[@chan625]

Useful but I think inflation has to be considered on the higher side and also the likelihood of finding fix return instrument that will give 7% is less unless we put in big some in next 5-6 years into some pension scheme - I don't have much hopes from 40% that would go into pension at my age of 60. Hope you make a video on considering this aspect

[@kkarjunthedon]

Can you suggest which US Mutual funds?

[@NightMare-x72]

20yrs from now which is 2044 annual expenses will be 32L and 5cr is not sufficent. 5cr is good those planning to retire now or within 4 yrs

[@ArunMaskeri]

Assumption 50000 at the age of 30 years is incorrect

[@pankajrane2004]

Thank Rahul ji for this video. Please create a video on top recommended Mid cap Mutual fund

[@trnswamy]

I am very impressed by your videos Rahul. Very informative and practical. Can you do a video on how to invest retirement money by retired persons or near retirement to generate safe and good income.

[@karthickvelushamy]

What chance that govt will not put tax in nps after 20years?

[@shivanshbansal5784]

Really informative!

[@esakkimuthu9209]

Thanks sir for your efforts and most useful information

[@mohanpk8204]

Very informative............can you share how to invest US Mutual Fund.....which platform is Good......

[@bidishabanerjee9845]

Thank you

[@chinmayadash8359]

Sir kindly make a video on top 3 small cap, mid cap mutual funds to invest for next 20-25 years.

[@prakyathshetty8308]

What if i invest in mutual fund andh do tax harvesting to save tax then mf is a goood option.

[@cliffinclive5160]

Please do video on best Mid cap mutual funds. Thanks

[@ssskkk786]

Good informative video. However if you ask me personally I would not worry about higher capital gain tax if I am gettting a potential scope of growth in mutual funds. There are mutual funds which are growing more than 15% per year. I would not restrict myself to just 12% in NPS and would like to explore growth more than 15% with mutual funds.

[@user-ro4cr1wt2h]

Your videos are really inspiring and great to see such informative ones. Do you mind sharing the calculator. Thanks.

[@VOOTLASRINIVAS]

For nps i think we have to wait till age 60

[@oristonvaz8259]

Can you create investment plan for people who are retiring shortly

[@ajithkumar-gf3mx]

Sir, please do the video on mid cap and US mutual fund

[@ajithkumar-gf3mx]

Thanks sir

[@travelstories532]

Great videos Rahuljiii❤

[@atulnamdeo1578]

Nice video with a good explanation.. But could you confirm the amount you have shown in NPS calculation is 60% of the amount which we can withdraw or is it the total amount (60%+40%) of NPS?

[@track0123456789]

Tax at 0% on NPS withdrawal, .. What about 40% mandatory annuity, and low yeilds of annuity returns PLUS monthly payouts are taxed as per slab.

[@ime227]

Thanks for the video Rahul. Please create a video on top mid cap mutual funds

[@ullaslr7961]

Will ELSS be useful considering i already max out 80C 1.5 with PF.

[@tamilbhakthivaazhviyal948]

Please do top 10 mid cap funds last 15 years

[@vinkygautam]

plz elucidate... say i have 5 cr capital gain at the age of 50. to pay taxes say 20, 30 percent whatever it will be at that time. i think i have to redeem all the NAVs, instead, wont it be better, if instead of encashing all the money and pay capital taxes, i would rather keep it there only ...do aome kind of swp. pay taxes according to what i am pulling out and let the remainimg money grow.... will this help reducing taxes?

[@sandeepguvvala1636]

But we wil not be able to get full amount from nps until we r 60. Any better alternatives sir?

[@ganesanramaiah1]

I have been investing in HDFC MIDCAP last 9 yrs. Good CAGR

[@manishs1232]

Hi Rahul, The income tax rate will be minimum 30% on this, so out of 35 lacs you're left with only 25 lacs per year. Please correct me if my understanding is wrong!!

[@prasannakamath9972]

How to calculate our retirement corpus?

[@rudraacharjya0703]

Left video on 3.30 as this video is not for middle class its for only reach people

[@alverzenongkhlaw5688]

Rahulji for a child 4 years how much SIP is needed fir 5 crore?

[@jishnu18]

NPS definitely will have the tax benefits taken away if capital gains on MF is hiked. They both work in tandem.. NPS doesn't make sense unless your employer is investing in it

[@TheCuriousCurator-Hindi]

Inflation cannot be so low in india. Even inflation index weight is not aligned to reality

[@biswajitsutar6318]

Would be great if you could make a video on a midcap mutual fund. Also as you said 50 k in investing on 30 is a little difficult as we have some other responsibility.

[@RajSharma-yb4sr]

Please make video for mid cap mutual fund

[@travelgrubsbyfoodietravele3065]

I think an NPS subscriber can only withdraw the money from its corpus post turning 60 years of age. That also 40% min has to be bought into an annuity, so not sure how investing in NPS will help achieve financial freedom aka Rs. 5 Cr by age 50? Please elaborate or revisit with a new video.

[@TheSatzy6699]

Great quality content 😊👍🏼

[@RABBANI101]

Wrong calculation- You will not get 7% FD return in 50 years, u might get 2/3% as FD returns that time

[@aswathharinagarajan9890]

Can you review my portfolio and guide me further for doing smart investment sir please

[@shuvendratripathy2483]

Please make a video on top 3 mid cap mutual funds..

[@sumitpadhye712]

Hi Rahul, Please make full vedio on Mid Cap Mutual Fund. Thanks for ur valuable inspiring Videos which motivates and guide us to invest systematic way in long run.

[@vickeyvvp]

Please make video on midcap funds

[@rupakgbikas4477]

The title of the video is WRONG. It should say:::: : E"ARN 50 crore Rupees (50 million Rupees) about 20 years after AFTER INITIAL investments in stocks my way. Investment by anyone one of any age. If anyone of any age starts investing in stocks my way, you end up with a bank balance of 50 Crore after 20 years of buying and selling stocks" Video creator is assuming that everyone watching his videos is aged exactly 30 years of age.

[@babajoshi6341]

Hello sir Thanks for the video I have one question with NPS E scheme, I am in Merchant Navy and having NRE account here so can I invest in NPS E. Pls guide me on this, rest all is clear .

[@Peace_5200]

Plz do read "Yatharth Geeta" once in your life , its freely available in 29 Languages If you are a spiritual seeker & looking for a right path, this will help you a lot in your journey

[@chandrashekharhiremath9540]

Hi Sir, Mid Cap mutual funds review please

[@ritbanerjee8630]

Top 3 Midcap mutual funds.... Definitely sir

[@torahulj]

Sure noted Rit :-)...hope more will also comment so that I know that lots of people need this video. Thanks for letting me know.

[@sunitdattani1377]

Sir as u mentioned kindly do the video of best midcap mutual funds...Thanks...

[@user-dn5gu3vz5d]

Please brother make a video for top 3 Midcap funds to invest

[@sunilvaidya7230]

Please comment on potential of Danlaw, De Nora and Izmo stocks. I am holding and subject to Intellectual your advice willing to invest more

[@life_sway]

would that inflation stop after the age of 50? we still have to live next 30 yrs with interest income which is getting adjusted with inflation and depleting as well

[@manojsuri007]

People who tell others not to invest in small cap funds actually don't want you to become rich.

[@shubamdadhwal3497]

Hey Man, great video. Would you mind suggesting some alternatives to NPS, if a guy is 25 and he wants to retire at 40 with this much corpus, where should he invest his other 50% (part which was contributing to NPS), should he/she go for bonds / gold or there are some better alternatives out there.

[@starboy9384]

Brilliant 👍

[@pvnumsastry6930]

HOW IN NPS GET MONEY IN NPS

[@supriyavohra4595]

Pls make video on mid cap direct mutual fund 🙏

[@joshuakurien5826]

Pl do a video on mid cap mutual funds.

[@saikiran_kolluru]

please do mid cap mutual fund analysis

[@Mrmich5371]

Hmm. I wonder how many watching this can invest 50k per month let alone 1L. 😅

[@k.k.tripathi2589]

Pl make a video small cap also.

[@RebelliousBahu]

what if we are govt employees and already investing in nps as mandatory ded do we need to invest additionally in nps

[@ritam378]

but rahul sir, nps amount you don't get in hand, u need to buy annuity out of it, pls mention that also. if possible make a video on nps

[@amaarami7721]

50k per month, investment?????? how many people have even their salary of 50k???

[@rishichenna]

Target of retirement by 50 itself is not possible with nps

[@mutualFundSK-95]

how to invest in nps e

[@bid7582]

Im 30 years old, my salary is not 50K

[@AChef406]

please make video on Step up SIP🙏

[@TheHeartOfSpeedCubing]

What is US mutual fund?

[@vishnu398]

Mid mutual funds analysis pls

[@nagarajanv7091]

Can u withdraw all amount in NPS after 20 years?

[@chayreddy195]

Make vedio on mid cap mutual funds nd smart sip so will be useful

[@torahulj]

Noted, hoping more people will comment the same :)

[@justsomegameplay1575]

​@@torahulj yes please make videos on smart sip and also smart withdrawal. It is very much needed 😊

[@padmanabhanr4242]

no debt allocation?

[@sharath8chai]

You said at the age of 50 after considering inflation the amount is equal to peasant 97000/- with the every month investment of 100000/- so the guy who can save 100000 at the age of 30 is investing to get 97000/- after 20years😅 (Give me 100 rupees every month after 20years I will give you 97 rupees per month)

[@balasubramanian-dk2my]

Sir please do video on catagory - Large&midcap fund and value funds

[@torahulj]

Sure noted Rit :-)...hope more will also comment so that I know that lots of people need this video. Thanks for letting me know.

[@vickeyvvp]

Even large and midcap fund almost replicate a flexicap fund...

[@Sathish_Kumar_S]

Hello Sir, A question may be off the topic. Is Navi ELSS Nifty 50 fund is safe to invest to save tax ? and it was launched in Feb-23 and has expense ratio of 0.1 %. What bothers me is that the AUM of this fund is 5.78 cr currently so tracking error would be high. pls share your insight on this. Shall I continue in this fund or go to the IIFL elss nifty 50 fund which has 34.4 cr AUM. Can we trust Navi Fund house ?

[@torahulj]

Hi Satish - I personally don’t invest in new funds because of many reasons. I would suggest to stop in Navi and look for more established funds

[@Sathish_Kumar_S]

@@torahulj Thank you 😊

[@ganapathiraokaranam4375]

" Just invest 50k per month... " That's where I stopped watching the video