Loan Repayment vs. SWP: Should You Pay Off Debt or Invest? | Smart Choices with Mutual Funds

[@BWealthy]

Mutual Fund Investment Strategy, Full Video Link - kzbin.infoNicuZbwf6Bs Mail Us On - [e-mail] Follow Us On - Instagram - instagram.com/swati_bwealthy Facebook - facebook.com/bwealthy.co

[@ravikhajure]

Aapko aapke is mail per two times mail kiye lekin aapki aur se koi reply nahi mila abhitak...

[@mahioberoi892]

Same humnye bhi mail Kiya hai do baar arvind ke naam se ..per koi reply nahi hai... please reply kariye

[@littleworld555]

एडुकेटर नहीं। एजुकेटर। डु नही जु पढ़ा जाता हैं।

[@chandrasen4303]

1 caror 7 lakh nhi mam 1 caror 7 hazar hoga

[@deepankarmishra9295]

Ma'am your point of view is realistic . I wonder how people are talking about SWP ...has there been any incident where the lumpsump amount in SWP has not get depleted at all and will always give returns irrespective of our withdrawal in the next 10..20 yrs..has any one in the past witnessed such benefit..I doubt ..and your view in the above video itself is strengthening my point of view.Thanks and Regards

[@DrKallalPramanik]

स्वाति जी, मैंने अपनी EV SUV के लिए 7.4% पर 15 लाख का बैंक से लोन लिया था। उस पर Interest के लिए 80EEB का बेनिफिट मिल रहा है। साथ ही मैंने 40 लाख स्मॉल कैप म्यूचुअल फंड में इन्वेस्ट कर दिया और 8.8% SWP withdraw करके EMI सर्विस कर रहा हूँ। दिलचस्प बात यह है कि withdrawal के बावजूद 12+% की दर से फोलियो बढ़ रहा है!

[@titaniumffclub9122]

बढ़िया! 100% सुरक्षित रहते हुए HNWI /UHNWI बनने की संभावनाएं देखना चाहते है तो डिस्कस किया जा सकता है!🤔

[@chaitanyapatel7827]

Bank fd ka zamana khatam

[@chaitanyapatel7827]

1993 KA NIPON MID CAP RS 10 WALI NAV 4500 RS YE FD NAHI DEGA BANK FD TOD KAR LOG SIP YA SWP KYU KARTE HAI???

[@Activeguy-b1k]

Kaun se small cap mutual fund mein invest Kiya aapne

[@chaitanyapatel7827]

@@Activeguy-b1k nipon small hdfc small icici and sbi small MOTO OSWAL SMALL NAYA BHI BEST HAI

[@amolsaraf5538]

आपकी सोच बिलकुल सही है madam.. Thanks for giving this thought

[@rajeshsawant9461]

SWP ka to pata nahi per Swati ji is video me aap bahot khubsurat dikh rahe ho ❤. I think your secret is you aways feel blessed, healthy ,happy and wealthy . Keep it up 🎉

[@sandeepsinghkandari4039]

EK TO THARKI MILA JO YAH KUCH AUR DEKHNE AYA THA🤣🤣🤣🤣

[@ViralNewsNetwork24]

@@sandeepsinghkandari4039 I suppose you might be wrong, Rajesh ne mn ki bat kah di or aap ho ki apni gandi soch ki publicity kr rhe ho

[@NareshSikhwal]

@@sandeepsinghkandari4039 hahaha

[@rahulsharma-ps8sh]

Biwi ki photo lgai hai dp me

[@Mukta_dhara]

Abe tu kuch b kar le wo nahi degi...😅

[@ajaypatil8687]

Your presentation, voice modulation, choice of words, and more importantly the smile which you maintain throughout your presentation (and on top of all these, your content is very helpful).. amazing.. can listen to you for hours...

[@Marwadi_Men]

शादी वाला उदाहरण सुनकर मेरे आँसू निकल आए।😢😢😢😂😂😂

[@RakeshVerma-nu5un]

Absolutely right bro

[@rahuld0906941]

kaha se?

[@SajalDasstyle]

😂😂

[@Investap]

Bhai shadi ho gayi ya abhi baki hai ??

[@rajeshlakhani4296]

सुख अपना अपना है शायद हम divorce wale भी सुखी नही 😂😂

[@paraggore]

First time witnessed someone talking with emotional angle and not only from profit % perspective

[@democracyjusticegod404]

Not just emotional, it has Mental Health angle too...🙏🏻❤️‍🔥

[@hemantparihar2396]

आपने बिल्कुल सही कहा है।दस साल के निवेश की समय सीमा में जीवन के उतार-चढ़ाव , वैश्विक गतिविधियाँ जैसे कि युद्ध, महामारी, प्राकृतिक आपदाएँ आदि को भी ध्यान में रखना होगा क्योंकि बदलते दौर में कब क्या हो कुछ पता नहीं है।

[@prekshak7721]

Always clear the loan when you have the funds. Nice explanation.👍

[@deshdeepakgoel1024]

माता जी आपने बहुत कायदे से हर एंगिल से समझाया❤

[@manjit6802]

Mata nahi yaar itni hot teacher hai ❤❤

[@navjotsingh-er7fw]

​@@manjit6802 yeh gaali khaane ke liye hee bol raha hai .😅

[@aslam034]

कर दी ना मां बहन 😂😂

[@NAK2926]

@@manjit6802 अधेड़ मां कह सकते हो।😁

[@jagmohansaini5962]

mata ji 😂😂

[@PYadav-rk7tc]

Right swaati ji....practical approach...aisa hi hota hai....we cant save,but we can spend at any time😂

[@Bybocbusiness]

अगर आप इतने सक्षम है कि आपके पास इन 30 लाख से अलग 4-6 लाख की रकम हमेशा उपलब्ध है तो आप SWP कीजिए ओर अगर नहीं है तो लोन चुका दीजिए।

[@lovemistorganics]

It's true.. ur suggestion... Pay all deft and Feel free and enjoy the Time n life freely

[@pradeepkumarbhatt8896]

Mam aapki sooch Meri sooch se bilkul match karti hai 🙏🙏kathani karni main bahut aantar hai 🙏🙏 jee haan beech main small cap bahut jyada minus main aa gays tha even bluechip aur baf sahi bole Aap logic aur emotion main farak hai 🙏🙏 yeh manav swabhaav hai sooch samajh kar hi nirnay lena chahiye thanks and regards🙏🙏

[@pritamkumar5164]

Mam, nicely explained. I am already in SWP. I agree 100% with your logic. Thanks for sharing in such forum.

[@speedtranscorp]

Exactly Suppose 30 lakh ke investment pe market ne 6 month negative return diye to investment ki value bhi kam ho jaati hai aur har mahine aapko swp karna hi hai to agle 6 month market 15% bhi return dega to apko 25 lakh pe hi returns milenge.

[@ankushmaddan3262]

Good Knowledge Hats Off Bahut Km Log Hi Acha Nevesh Bataate Hain. 👌

[@kanwalprasad5664]

Aapke baaton se lagtata hai ki aapne jaroor nivesh kiya hoga, Aapke nivesh se aapko behtar return mile iske liye main ishver ka dhanyawad karata hun ❤❤❤❤❤❤❤❤❤

[@amitparuthi123]

Never seen any fin advisor say this. Respect

[@MR.DRAWINGoxitreapal]

Maam ... kyun..kyun...kyun..ka saying style so much cute expression & you are also very cute yourself. So clean & clear expression of speech. There is no repeatation and little bit mistakes in sentences. Nice video, it is my first video of you which I have seen today morning. Thanks. Kajal, Bindi, hair cut, hair colour, jhumke kano me, smiley lips whith lipstick. The colour with fall of Saari is very nice. Speech ke saath palm ( Hatheli) swing style and finally the knowledge is auspicious. Best of luck for your youtube journey.

[@Dattatray_Indurkar]

धन्य झालो माऊली !!

[@SandipDas30]

This is exactly what I wanted. Thank you ma'am. But, I have stayed put in MF SIPs for the past 12 years.

[@krudeachilles]

Well said - Loan Prepayment is always better to avoid uncertainty

[@track0123456789]

*SWP does always work well* Since starting capital is high, the percent gain/loss will also beat the fixed SWP amount.

[@raxxpatt]

It's been a while since someone has given good and well-thought-out advice

[@BWealthy]

Thank you for the kind words. Stay Blessed, Healthy & B Wealthy

[@vishwanathsaraf2112]

Apke samjhane ka tarika bahut hi soft saral aur unique hai thik vaise hi jaisi apki awaj hai

[@gkpkabattleground]

😂😚yahu aaj subah se soch ra tha calculation sab kar liya hu aur vidio bhi mil gyi thank you mam❤🥰😘

[@akkibakki18]

Swati Maam, People also don't think about the sequence of return risk. If he has invested in a side-ways market where the real return is little to zero [2007-2013], he will have a problem with this approach. I will invest this amount over a year via STP and keep my EMI as is. This way I can take advantage of tax benefits and don't have to think about returns in the stock market.

[@imamshaikh7086]

स्वातीजी. बहोत सही समय पर आपका व्हिडिओ हाथ आया है. सेम परेशानी से मै और मेरी वाइफ गुजर रहे है. "पिस ऑफ माईंड" बहोत जरुरी है. आपके व्हिडिओ से अच्छी खासी मदद हो गयी. मैं आप को ईमेल जरूर करुंगा. थॅन्क्स अ लॉट.

[@uniquecomputer376]

आप समझाती बहुत अच्छा है हरेक ऐंगल से

[@sirajkhan-hw3rs]

Swati Naam ki ladies very friendly Hoti hai 👍

[@prahladd]

I have never paid my HL and in fact took two top up loans and invested those loan amounts in MF (Mid & Small caps) and have been hugely rewarding.

[@explore39]

Keep life simple!!!........pay off the loan immediately to get good sleep in future.......stop all money eating components before getting into the investment world...... and save money as if we are still paying the regular EMI's in other growth investments.

[@jitendrajani7948]

GOOD Presentation With facts So many people do Not know about SWP

[@sandipsarkar2873]

...very rational n balanced/unbiased views ....will help us to take future investment decisions in the right way...many thanx mam...

[@nilimajhakitchen]

Hum log ne bhi ek property 27 Lakh mei becha tha or Emi bhi chal raha tha or usi waqt HDFC 1400 par aaya or maine buy kar liya…

[@anandpuri6741]

Brilliant Ma'am, thx for this amazing coaching and your skills to articulate is impeccable. Bahut bahut shukriya aur Hindi mein karne ke liye aur bhi dhanywaad.

[@dsasgekar1]

Hello Madam. This is a not only important advice but also a perfect real life example. Thank you very much for your time and effort to making this kind of wonderful video for us. ❤

[@praveensinha7886]

Genius lady, too the point, saying reality on face, no fancy words, saturn influenced lady

[@agnihotri2010]

did you really understand the question ? and then understood the explanation.

[@JaiHind8]

Madam is right…it’s always better to pay off loans!!!Udhar ka topi sar pe rakhnr se neend disturb ho jati hai!!!!

[@HimanshuYadav007]

So TBH that was not a motivational financial video, people are not sharing this way of thought process thank you so much

[@sandipverma6913]

मैडम हम तो पिछले 3 साल से आपको ही फॉलो कर रहे हैं❤❤

[@raisahmed6055]

Aap sahi kah rahi hai

[@raisahmed6055]

Meri situation same hai our mai fund ko lekar upset hu Loan chika du ya gav ka ghar bana lu

[@raisahmed6055]

Shop bana kar paise to aa sakte hai emi jitna Par mind 50 -50 hai

[@AaradhyaAlone-u7p]

मॅडम तुम्ही खूप छान माहिती दिली परंतु हीच माहिती तुम्ही डिजिटल बोर्डाच्या माध्यमातून आम्हाला दिली तर ती लवकर लक्षात आली असती......

[@ganeshlandge4098]

Thanks for the video. I had the same thoughts but was not able explain clearly to my friends like the way you did. Now I can share this.

[@BWealthy]

Glad you liked the content Ganesh Jee. Stay Blessed, Healthy & B Wealthy

[@parvezahamad659]

Mam shadi ka sunke mza aa gya phle excitement hoti hai hone ke bad bad ahsas hota hai ke unmarried hi acche the

[@Uzer783]

Parvez Bhai aap married ho ya unmarried 😊

[@parvezahamad659]

@@Uzer783 married hun tbhi to bol rha shadi ke bad pta lgta hai unmarried hi sahi the

[@Uzer783]

@@parvezahamad659 unmarried me b hilake din nikalna padta hai naa

[@troller3811]

Keo dara raha hai bhai 😅

[@troller3811]

​@@parvezahamad659are bhai Riya malhotra ke vedios kam dekho to shayad fayda hoga 😅

[@parmatmakikhoj6728]

Very practical mam, varna to aaj kal k chapari youtuber jinhone investment karna is golden period me seekha hai wo bina logic & emotions k bus video banaye ja rahe h

[@InvestAirFunds]

मैं एक Mutual Fund Distributor हूँ और आपकी बात से 100% सहमत हूँ कि Loan लेकर Mutual Fund में invest करने, EMI के साथ SIP कराने, SWP से loan EMI चुकाने का तरीका गलत है क्योंकि यह risk को बहुत ज्यादा बढ़ा देता है। साथ ही Mutual Funds से loan लेने को भी मना करता हूँ। हालांकि, ये सब सलाह देने से, और client को Mutual Funds से पहले Loan चुकाने, Loan न लेने से मेरी income कम हो जाती है पर मेरे AUM को देखते हुए यह बहुत छोटी सी रकम होती है, पर client के लिए बहुत बड़ी बात होती है।

[@VMohan-qf1rh]

Hum aapke iss Indian.. CULTUREL LOOK 🥰 ke Kayal h Mam.... U are Really Soooooo Beautiful. aap Sarees Look 😎 main hadd se b jatada KHOOBSURAT lgte h...Thnx iss INDIAN LOOK k liye ❤

[@sankum11]

We must live with, zero loans and liabilities on our head.... 👏👏👏👏

[@whykoks]

This is typical middle class thinking and business men make money because of such thinking of middle class

[@tvtime3485]

​@wykoks bhai raat me sukun ki nind bhi jaruri he paisa hi sub ni hota

[@devendrajoshi7031]

This is impossible in today's age, loans r invented coz we could live in our own homes. Instead of giving rent outside and making our own house is difficult.

[@MaheshKumar-ws1fk]

Bahut acche se samjaya aapne ... 👍

[@manishrawat3160]

Mam, mere pass 5 lakh rupees hai. Agar main swp karwata hoon lekin 1 mahine baad Mere paas aur 2 lakh rupees aa jayein toh kya use main chal rahi swp main hi add Kar sakta hoon ya phir mujhe ek nayi swp start karni padegi..

[@m-mm7dw]

Thank you aunty.....aap achha se samjhati ho...

[@Kotlin2024]

Aunty mat kaho naaaaaa

[@rakeshSingh-fj8pw]

Cristal clear example. Very nice 🙏

[@THEPRASHANTSARDAR]

I am 100% agree with Swati with her final outcome on this matter !!

[@BreakoutStocks99]

Swati ji your style, beauty and knowledge is unmatchable.

[@rakeshtiwariflogs5889]

As an experienced banker, my question is bina loan closure k bank ne original paper kaise diya, matlab buyer ne bina original papers k ghar kharid liya, what if seller Loan ka payment default karde buyer toh road pe aajayega

[@SurenderThakur-f2d]

I have already invested in swp from last 4 years giving good returns.withdrawing 2 lakh per month by investing 2.5 cr .

[@jazzygaming8695]

Best teacher❤

[@sukalyanhalder4068]

Bahot bahot accha and practical analysis hai. Badiya.

[@chandanraghuvanshi]

Apka channel kafee din se dhund raha tha..aur aaj mila..

[@gausiyatravels]

Swati ji, Ye bahot hi badhiya jankari di apne, Me hamesha apke videos ka wait karta hu. Hamesha kuch Naya sikhne ko milta hai. Shukriya.

[@GudduSingh-is8jl]

Your vidio,, Ideas,, Smile, Eyes Hair style All are so beautiful,,, Amazing Really Amezing

[@rohangumare1005]

Very Useful tips swathi ji...main bhi kuch aise he emotioal decision lene wala thanks for alerting me....I will foreclose my loan before goning for swp

[@Amy_8117]

Prepaying loan is a good option. You pay lesser interest in long run and are free to then do whatever investment you want to do after that with no burden on your shoulder. Second thing is that ma'am you didn't took the "total interest to be paid if not cleared loan" into consideration if the loan stays for that long. What is the point if our EMI goes lesser towards clearing outstanding principal and more towards monthly interest. But when we prepay our loan, all of that prepayment amount goes towards outstanding principal. . I have brought my Home loan from 50L to 16L in less than two years. And I exactly know how much benefit it would have in long run. Secondly as soon as, when this home loan will be completely closed in Dec 2025 (i.e next year), we will become sole owners of our house that will help us emotionally and psychologically to then think of multiple options to multiply our money.

[@mohammadzia2482]

Shadi wala Example best tha Mam 🙏😭

[@MrShreejoy]

At the base few pointers 1. PATIENCE OF 10-15YEARS ( I told you I'll work for 10years) 2. Ability to digest market volatility (only way to invest that much how much you can digest, keeping emergency funds aside) 3. Mental Discipline And Control On Elevation Of Lifestyle. Only If These Criterias Are Met, That's When 1 Can Indeed Become Rich In 10-15years. Unfortunately today's generation of people are greedy and in race and don't judge their needs and requirements, having misconception that money is very easy which leads to most people failing in SWP.

[@nishantmundhare5317]

Amazing way of explaining with that cute smile , very good command over hindi like a radio jockey with proper voice modulation and sweet expressions throughout , kyu kyu 4:07 😃 will answer that Beauty with brain👸👏

[@ArijitBiswas-i6b]

Very nice mam apse hame bahut kuch knowledge milta hai. Thanks

[@ankitpatel2212]

Did she talk about Capital Gains tax incurred if we do not invest in another property or loan repayment after sale of older property? Also the tax incurred on income made from SWP monthly withdrawals.

[@paresh.vishpute]

सटीक एवम सर्व सामान्य दृष्टिकोण के स्वामिनी। 🎉

[@aveekghosh3703]

Thank you Swati ji for your honest opinion. Few investors are so candid in their opinions. Appreciate it much!!

[@PareshGujarati]

Great insight....more learnings from a single video....

[@sacver1]

Ma'am there would be a 3rd option. I can invest entire 30 Lac without SWP. And keep on paying EMI through salary. I am doing this. Logic is simple. Market is providing better return than my home loan rate. And not going for swp saves taxation and transaction charges.

[@Sonuans1900]

Sir SWP mey to unit he sale karke paisa milta hey na...matlab tree ko bech kar paisa khana...jo long time me mere bachho k liye sahi nahi hey... Lekin eysa koi option hey jaha unit sale kiye bina dividend type paisa milta rahe...matlab tree v bacha rahe aur uss tree ka fruit khaya kar jiya jay...? Aur tree ka value v kam he sahi but thori thori bardhti rahe... Idcw sahi hey but government tax bahot leti hey... Others koi option hey?

[@priyavanshsaini1417]

Best swp fund kon ka hai 25-30 years k liye

[@gauravupadhyay1283]

paying loan is good. You have not to worry market risk and you can keep yourself cool. And after paying loan you can do whatever you want...

[@JPKeshriOfficial]

You have covered the topic in a very practical way. Thank You very much 😊

[@dibyendusarkar4893]

Home loan or any type of loan is a big big headache... Better to finish it as fast as possible... You can save lots of money by that rather investing.... ❤

[@hanumantchauhan6341]

Super idea 😂😂 I have applied last year sbi mf Swp on 10 lac comfortably ....really good option

[@alancan83]

Mushkil hai par na mumkin nahi.. agar u be disciplined then its possible. This is the difference between rich and poor ppl.

[@kavishahuja6976]

Shaadi wala example was epic... I can relate the pain.😂😂😂

[@rkkumar2592]

Bahout badiya explanation logic and emotion 🙏🏻🙏🏻🙏🏻

[@NareshSikhwal]

SWP per income tax ka bhi toh discussion hona chahiye, as we are widrawing SWP, that will count against our income tax slab and we have to pay 30% tax on it. Isn't it?

[@virulax8606]

aap utni hi khoobsurat he jitna aapka explaination for SIp

[@varunsurya6811]

Ok Swati ji, you are suggesting to not go for SWP. I was planning for SWP without any current loan liability. Please advise

[@BullRupee]

Grievous mistakes Not taking into account the inflation while using backdate investment. Adding extra emi when he/she payed the loan amount with the sold assets. If he cant pay emi during volatile market without relying in swp, he/she cant make sips of that amount after the loan settlement.

[@lalitkant5282]

100 doston se aur subscribe aur karana hai bahot acha

[@muki1611]

Very Nice explanation with experience 👍✌️

[@narendrasinghal9962]

What about an option of increasing your repayment EMI and not repaying in lumpsump. I will have the lumpsump to invest in safer liquid or debt funds and by increasing the EMI, my tenure will reduce drastically. In my case, I increased EMI by 8K and reduced the tenure by 10 months with total savings of around 8 lacs and Interest savings of around 3.5 lacs per year.

[@basavarajvkatti]

Very true, if we are very firm then plan make sense. If not it's good to return loan and have peaceful mind.

[@Nsevibes-em1kg]

Bahut achha vedio hai. But I have a small question please set your calculator from 2013 to August 2020. Please see this

[@AnnkurKumar]

Hi, nice info, KZbin suggesting again after watching. I must say, you are very graceful and have lovely voice.

[@sandippadhiyar5671]

Shadi vala example badhiya tha.

[@shaileshpawitwar8880]

Hi Swati, Nice ly explained the topic. Covered all the aspects. Your prevention skill is also good. Thanks for all the efforts

[@ganeshgiri720]

Mam, pf se paise nikal kar mf me invest krne pr aapka kya vichar h???

[@amitkumar7087]

Which is better for investment with low risk SWP OR SIP,

[@amolsapkale2453]

If I want to purchase 1.2 cr property and I m having 30 Lacs amount from old property. Then what will be the best option SWP or Loan repayment? Pls reply madam

[@ravitiwari2730]

Aap bahut acche se samajhate ho

[@Vijay-gc4os]

Shadi ka example is excellent

[@krunalprajapati4613]

Swp will attract ltcg of 12.5% and if you start withdrawing money from 1st month you need to pay stcg 20%