Case Study : Rs 3 Crore Achieved with Rs 32,000/- SIP | Parimal Ade

[@bikashliju]

One who rdy to spend 32k in SIP in 2010 must be a super rich...

[@bishtsinghgovind439]

32 k was my family annual income that time.

[@soumik_chinsurah]

​@@bishtsinghgovind439😢😢 today my family income is less than 32 thousand

[@rohansarkar3555]

My in hand salary today is 30k only

[@satisha13731]

My salary during 2010 was 1.5 lakh per month but I lost all those salary savings in market trading.. now I am investing via mutual funds through sip route

[@sudip_curiousmind]

32k in 2010 was a good sum but not deserving the tag of "super rich". Even I was paying 24k EMI in 2010 and mine was a an average IT job.

[@sanjaykadam.9983]

My friend started SIP of 35k pm in 2007 (that time salary 75k /pm working Abroad) only in SBI and UTI AMC, now having value around 3.5 cr and still SIP going on. Not that much but the advisor and investor staying in small town in Ratnagiri district. Goal was only saving.

[@tusharpangare8574]

Best Example. ❤ I started the same in last year. 30K PA.

[@gshhwbwbhwhshdbdb]

hoping will go back to my village in Ratnagiri and just chill on beach

[@indiechique2059]

Consider inflation and returns are less than fd

[@rahulmax12]

The goal should not be saving....but Investment by saving

[@saidurgaprasadkona9621]

​@@indiechique2059 mam fd to 7 percent de raha

[@pratapnayadkar]

Discipline + Patience = Wealth 😇

[@mwshubham]

Wealth + Discipline + Patience = Wealth

[@kgf_2030]

😂😂😂😂 the most important element is Wealth

[@ermolaheram9929]

Paisa nahi hoga to kaise bnega....to pahle kamao fir lgao fir paisa bnao.......​@@kgf_2030

[@ashutoshgupta7272]

@@mwshubham CAPITAL + DISCPLINE + PATIENCE= WEALTH

[@nimeshshroti5327]

The biggest secret mutual fund promoters don’t want you to uncover is how they project future wealth. They often calculate a salary based on today’s valuations and then project it 20 years into the past to illustrate potential wealth. For instance, a SIP of ₹32,000 implies that the individual would have had a salary of at least ₹1.2 lakh back in 2010, excluding EMI and expenses-a figure that was unusually high for that time.

[@suneetsalvi1200]

Super case study. Vison+Discipline +Consistency + Patience = Super wealthy. Now the magic of compounding will take over in full swing. By the rule of 72 this money will double every 6 years@12% plus the continued SIP's. Their kid can retire before starting MBBS. ❤

[@akashrgh]

In the era of quick money, your videos are constant reminder of why we should look bigger and long term picture.❤

[@abhijeetsingh115]

32k sip in totays term will be 1lc pm min. Very few can do that. but yeah kudos for not selling and buying real state

[@codedusting]

75k per month

[@sohambhatt-k2y]

Good case study. Morale is 12% bolne ka hai. leking 18-19% return mil sakta hai.

[@mithunmahato309]

Just thinking about that: he is having 2.5 cr+ The fund is churning 20% return i.e., 50 Lakh per year now onwards (even if we take simple rate of return)

[@Onlynatures]

😂😂

[@atulgup100]

I agree absolutely.🙏😊🙏 I started without knowledge in 2008 and now with knowledge increased it.

[@rohandongre826]

Pl make a video on how to switch from one fund to other, should we do only through STP or withdraw all amount from first and make higher amount SIP in the new fund.

[@TheAkhildogra]

There is no way to switch from one plan to the other. Only bunch of AMCs allows you to do so & that too in particular fund. If you have invested through Zerodha or Kite. You might want to start SWP with 10k or as per your requirement. Example. 1. Switch from ABC to XYZ 2. SWP of 10,000 from ABC 3. SIP of 10,000 to XYZ

[@Guiding100]

Meanwhile me with 5k sip thinking I'll become crorepati one day.......😅 Problem is very poor growth in my income as I work with state govt under contractual basis... 😢

[@amittabhadatta1183]

Don't worry brother, enjoy the journey and with 5000 , crore will take some time , but even 50 lakh is not bad.

[@riturajsinghvlogs10]

Har saal 4-5% se investment badhate jaana bhai...

[@TravelTogetherwithYH]

Most of our youth is not even worried about their future. You have 5k sip which may look small amount now but in 10 years from now corpus will look awesome. Hang tight bro you are doing wonderful job

[@RamKrishna-ww2wm]

Same here bro... sometimes it feels like kitni b koshish kar le Ameer nahi ban payenge...

[@shubhamsinghrana6175]

First creat more income source then invest without more income you will not create huge amount of money

[@simbhaartwood2160]

Fantastic. Well explained. Simple and effectively done video

[@Sawantg358]

Thanks for sharing case study sir

[@gauravkorgaonkar4113]

Pls give investor profile like age when investing started, first sip, approx step up done, salary in 2010 and so on and so forth avg increment..such details are reqd for such case studies. 😊 7% inflation in education is incorrect.

[@rajgogoi2178]

Discipline is the key here My SIP and lump sum MF portfolio has generated 55% return in last 4 years. 24.2 L to 38 L til date. Truly endorse his views. I optimistic of reaching 4 Cr in next 10 yrs.

[@kancharlasubramanyam4997]

Sir, Which funds u r Investing what's your portfolio

[@rajgogoi2178]

@@kancharlasubramanyam4997 Parag Parikh flexi. Both lump sum n sip HDFC Sensex index. Lump sum UTI nifty next 50. Lump sum HDFC defence Sip n lump sum Nippon small cap. Sip n lump sum Motilal Oswal defence. Lump sum n sip

[@MuhammadAhad0011]

Absolutely correct bro!!

[@rajgogoi2178]

@@kancharlasubramanyam4997 Parag Parikh flexi cap HDFC defence Motilal Oswal defence Nippon. India small cap HDFC Sensex fubd UTI nifty next 50

[@nagarajuaddagulla]

Happy that we have more Finfluencers educating people about financial discipline. Greedy wont be able to understand the long term returns. I hope Govt comes up with Financial awareness in schools so that our children becomes good at finance

[@Titfortat3143]

Very good suggestion 👍

[@atty8]

Sir, there is something called sequence of return risk, in hindsight this looks fabulous because sequence of return risk did not played out. Asset allocation is the key

[@rishabhlp]

Interesting insights. I'm also interested to understand whether the estimated expenses were still 79L and 2.21 Cr as of today or are they more / less than anticipated?

[@Rishu.Kumar.]

Sir If we consider 32k sip and time period of 14 year , to get corpus of 2.67 (presently) , CAGR comes to be around 19% is it really achievable ??

[@suneetsalvi1200]

With Discipline yes. The last 4 years Bull run has also helped. What was doing 14% XIRR in 2019 is now doing 19-22 XIRR. Most people underestimate long term gain.

[@sarbojit89]

Assuming these are non ELSS funds, How much tax need to submit for 2.67 Cr if withdraw right now?

[@VakpathiRaoManupadi]

Thank you so much for sharing this use case 🙏🙏🙏🙏🙏

[@MrAnupnyk]

Can you cover how to minimize taxation during withdrawal for this case Best way to withdrawal- Considering its close to the goal, I think withdrawal should begin

[@deepaklahare7087]

1Tata small cap 2000 2Quant small cap2750 3Sbi Magnum mid cap2500 4Bandhan nifty alpha 50 index 2200 5Motilal Oswal 500 momentum 50 index 2420 12000 rs per month invest 15 years time horizon 10% per year ste up क्या पोर्टफोलियो सही है प्लीज बताए

[@sskn1220]

Why 500 momentum 50, it is going low??

[@kanwarjeetsingh6378]

Nicely narrated

[@prahladd]

Been following similar SIP investments since 2011 and have achieved similar results almost though I changed funds in between few times.

[@SanjeetKumar21Sep]

How much CAGR you got in these 13 yrs ??

[@sohambhatt-k2y]

Bete ne yeh video dekh liya. Abhi papa ne itna paisa banaya hai. kya karenge ab mbbs karke. Abhi sidha SWP hi start karte hai.😂

[@pranjalp.3930]

😂😂😂😂 Superb

[@Ragas07]

Is it fixed SIP or step up SIP?

[@swatideshpande7768]

Please make a video on 3 such funds in present

[@sumeetmehrotra1397]

Msg understood. Pls avoid repating something too much and keep the voice little low.

[@user-zm8kd3eq8y]

Great financial planning Kudos to person who has followed it. I am getting shivering thinking sip for inflation adjusted goal like child education, retirement sip , home sip, car sip, Investing 32k for child education in 2010 is commendable

[@deepakkurdekar.7999]

Very Interesting Case study, thank you sir for sharing 😀☺️

[@margeriekruger9578]

Can you suggest some small and mop cap options for SIP if someone wants to start this journey in 2024 and plan for a goal after 20 years

[@logan4441]

Sir make one video on what kind of return we can expect from Indian stock market in 20-30 years from now with detail analysis

[@ashwinchaudhari5886]

@parimal ji this is fantastic video. Thank you for this example cleared lot of doubts. Thank you once again

[@shrikantaralikatti852]

Sir sincerely appreciate your efforts in bringing out such case studies it really inspiring & practical. Thanks Invest Yadnya

[@manasghosh4464]

Excellent helpfull video regarding sip investment...thank u sir.👍

[@abhijeet8975]

This is the most genuine finance channel on KZbin.

[@kgf_2030]

Rather the most uselesss. How many could afford 80-90k SIP in 2024 (equivalent to 32k SIP in 2010)

[@DreamtoMake1Crore]

Nice but amount could be significantly higher if he had stepped up his sip amountly annually. But still great🎉🎉🎉

[@d.y.9569]

Yes it happens.. but what if market corrects 25% in 2025 or 2026?

[@adilmohammed3786]

Yaar market hai toh correction bhi aayga or bull market bhi usko kounsa saara paisa ek saath nikalna hai ... thoda toh dimaag use kar

[@hardikmanvar-u8r]

One of my clients has 36k sip in Small cap and he made 75 lacs just in 6 years 26 is invested. He don't use my app or website he never ask for his market value. where others application install karavo 500 rs ki sip karni hai.

[@ashishtalyan]

😂😂 correct , average sip value india me 2500 hai sirf time pass...real investor bahut kam hai

[@sarathkumar251]

32k sip in 2010? Must be already rich.!

[@ashishtalyan]

Wrong , 1 lakh bahut se professor ki salary thee

[@bikashliju]

@@ashishtalyan 1 lkah salary doesnot matter... no one rdy to invest that much just after 2008 recession ...hard to believe he is from middleclass

[@sarathkumar251]

@@ashishtalyan 1 lac in 2010 is 7/8 lac with inflation adjusted. 1 cr is Dir/ VP package now.

[@rajivchaudhari85]

@@ashishtalyanBut professor can’t invest in market, becoz they are ultra chingus😂😂😂

[@vinu7516]

Even rich people has to plan for future. As no one gurantees future of his business or job. So hats off to his consistency

[@Vinay_Zaveri]

Best video for Novice people like us 👍🏼👏🏻

[@deependra888]

highly recommend video ever to me daily for a boring and secure investment.😇

[@akshayjain643]

1:50 Arey sir Bina poora video dekhe, video ko like kaise kar dein?😂

[@sairaj5353]

😅

[@janardanmokase1065]

😅

[@ramparkash5041]

Sir, Please suggest hybrid funds for general public in percentage of total sip. As we did max of our capacity of sip amount. But in future if some big fall then some provisions should be for exigencies as we require to redeem time to time without discipline

[@karan.S.Jaryal]

Thing i like about yadanya is that they always say realistic things!

[@abhishekrao9760]

This is a good example and it surely works by personal experience. However since market has corrected a lot in last 3 months, I wud like to know whats his latest status

[@ashokkumar-fn4cl]

Thanks for sharing data ,we will follow same

[@KADAKHSTOCKS]

with an annual inflation rate of 7%, ₹32,000 sip in 2010 becomes approximately ₹82,513.09 sip in 2024, now tell me how many people would actually afford 82000 per month sip to achieve these type of goals, please be sensible in sharing this type of stories.

[@madhulagrawal8713]

you should also minus long term capital gain tax and any other taxes

[@mastlife842]

I think people stuck on 32000 per month and 2010 the amount is too high etc etc ....i think the message is here, mutual work and return good return without any tension and beat FD and other asset..

[@kgf_2030]

The main message is big wealth + time = huge wealth. But those who are watching are those who dont have Big wealth. So useless msg. We all know it.

[@mastlife842]

@@kgf_2030 what you do then? Any other way? Or any assets to beat? You don't want to invest ?

[@kgf_2030]

@@mastlife842 i would definitely invest.but the narrative is stupid and misleading

[@mastlife842]

@@kgf_2030 it's depends on person. For example what I learnt here is that mutual fund work and you have to be consistent and disciplined. Thoda dukandari to karenge because they run business also...the most important is that they are not looting people...

[@sreevathsabv9408]

when they are near to the goal shouldn't they be shifting to more safer funds? What if market crashes in the next two years? Was that taken into factor?

[@ParimalAde]

They have transferred first year MBA fees towards debt fund.

[@abhishekbhagwat5285]

What was his age in 2010. 35K per month in 2010 means he was already senior person with 15 years of experience that means he was already in 42+ and he got 2.78Cr extra in 2024 means already in 65+. With that money you can only buy 2BHK flat in mumbai or gurgao. Whats point buddy ? Better live the healthy and debt free life. Dont fall into the trap of these mutual fund managers. I have not evwn considered the fund management fee, taxes, inflation and the life he had to adjust to pay 35K per month 😂😂 .. not worth it my friend

[@millennialmind9507]

Why do you think he will buy a house in Mumbai, he would like to retire in places like Lonawala 😅

[@vickypatel5239]

Very inspiring sir...!!😊😊 What if someone wants to start now.. Considering inflation....What would be the sip number and expected Corpus after 14 years from now....?? Please comment... thanks

[@TradeLeaner]

Hi Sir, In the all time his earnings also increase than why not you he set up on the yearly basis.. Are You suggest that Aslo Or for any specific reason not suggest?

[@Amarnath0880]

Back in 2010-2012 , SIP itself is little know. Nobody knows about stepup.

[@rajivchaudhari85]

Dont time market Just invest small SIP with step up process…

[@sumathitkgpillai4224]

Thank you Sir. This really helped and giving me confidence

[@ghousmahmood]

GREAT EXPLANATION SIR

[@ymharshe81]

But it also means that if the funds had performed as you assumed,12%, the goals would not have been achieved!!! 18-21% XIRR for 14 years is extraordinary return

[@DebasisBhattacharyya-gy3zo]

Money makes money this is eternal truth 🙏

[@CreativeRays]

I have 1cr, now tell me what hat can I do with it? If I invest all in SIP one time , not monthly?

[@rohansurjan5509]

2. = Value Discovery of ICICI - S.Naren

[@souvikghosh166]

Pl. Provide large & midcap fund....so that achieve goal on 2030 from now....

[@anujalex82]

1. Mirae Large and Mid cap fund (I am also investing in this fund from 2016 onwards, however the performance of this fund has dropped significantly now).

[@FutureWarrenBuffett]

Saab ke saab bete ke liye yeh beti ke liye woh aur idhr Humaare ghar mein they say khud sab kuch khud karo 😢 these kids are really Lucky !

[@ramparkash5041]

😂😂

[@ramparkash5041]

Good humor

[@sachinshah3795]

Keep on share live example. Salute

[@niansh]

Bull market bhi tha lambe samay tak. That played a crucial role. Bear market me it would have been difficult. But hats off to his discipline and patience.

[@candyfloss184]

Thank you so much 💓 Thank you 😊 Thank you very much 😊

[@shubhamdeokar6942]

I feel a child should take Education loan and not use parents corpus. Because when the child feels the pressure of EMIs lined up, he will study hard with focus. I too took education loans for my MBA and I am myself paying the EMIs...

[@sumanbhave6441]

Is this still the asset allocation? What happens if market crashes by 50% in next few days?

[@rajatgupta8736]

If we are able to invest 32-33K in 2010, then it means at that time only he was earning quite good and utilized risk taking capacity very well

[@carlozbruno]

Sir don’t you think 7% inflation is too moderate figure for education inflation

[@SPR632]

Minimum 15% inflation in education sector

[@TheCuriousCurator-Hindi]

​@@SPR632currently yes in large cities. But 15% is so high but it will not be 15% forever. It might slowly moderate.

[@sridharbadgal]

If possible name funds, what to know whether he continued with the same funds till today or changed according to fund performance

[@venuswealth6]

Where is he going to study!? That seems way too much of fees. It’s better if he continues this investment than withdrawing. It’s not worth it to pay 3.1cr fees.

[@me23xfhg]

Private college 5 year mbbs fee will be 3 crores 15 years from now

[@ThanoojThampy]

Would you please have a podcast with @Akshat Shrivastava ? It would be so invaluable since you both have such different views and i love both content.

[@travel_with_tunes]

@parimal Sir - do you provide financial planning guidance? If yes, where can I get details? What are the charges?

[@amitdeshmukh10]

Please convey our thanks to the investor who gave you the permission to share this unique investment strategy which was an eye opener for us. Request you to create part 2 when the kid becomes the doctor (make sure you take permission from him to not share the medical college name). Thanks.

[@vikasmore164]

Very good case study

[@shivampawargi4750]

Is this STEP UP SIP at some percentage or that individual has kept the amount constant? Please reply.

[@Amarnath0880]

no step up concept at that time

[@SaltandSandals]

MBBS price in 2010: 20k/year and in 2024: 1 lakh. MD/MS prices are also the same. Bhai ne alag hi calculations karli.

[@anikett9095]

Jada stress mat lo life me..sab apne hisab se SIP Karo.. important is live life..bacho ko kabil banao...

[@RahulVishvakarma-p4n]

You forgot to calculate LTCG Tax sir....

[@davidsonsunny2886]

Parmalji, I have 30 lacs . Want to invest lump sum like SWP, needing monthly income of 20000 from 2030 onwards . I am not sure SWP or ETF like Niftybees. Pl advise

[@sridharbadgal]

For same goals having flexicap, large and midcap, multicap fund each one?????

[@subratasaha6643]

Sir please say one swp plan

[@ddrunkenpiggy]

Would like to know what was his state of mind during Covid when the portfolio would have fallen. Also, what was the advice given to him and how he managed to stay on track!

[@sp-ye7ht]

Thank you both..🙏

[@souravghosh8807]

Education minister ko video share kar doo... He should understand the situation

[@ajup009]

Minimum 15 years investment (SIP) is necessary to create healthy wealth.

[@shardendukgautam]

Bas jis saal money ki requirement ho, usi saal market crash! Isse kaise protect kiya jae?

[@Indra1902]

Emergency fund Bhai. Never go 100% in investing. Ek kaam ap kar sakte ho emergency fund ko bank me Fd rakho so that ap kabhi v use kar sakte ho

[@shardendukgautam]

Emergency fund is for smaller amounts, I am saying jis year bache ko university start karni h and usi year market down h then you can not tap into this fund which was only for that purpose.

[@Indra1902]

@@shardendukgautam phir wo to koi nahi kar sakta. I think tab tak apka goal complete ho chuka hoga so 3-5% PF down shouldn't bother you anymore

[@manindermann8164]

suggest a retirement corpus calculator

[@nookpost2858]

Funds name ??? 🧐

[@yesurajusreenu9320]

Now if it's fall then it will decrease na

[@swagatnag5184]

Inflation in education in India is more than 12%. So if someone takes 7% will fall short.

[@vikaschaudhari8033]

Mbbs nd md is also saturated...jitana return sip de raha hai...shayad...md karane ki baad bhi nahi bana payega....bcoz..saturation is too much...nd dr getting less salary

[@PraveenKumarMalviya-ll9fd]

One who keeps investing for long time would definitely accomplish his goals .

[@nitinshah3006]

very good sir Thanks

[@Awaiskhalid479]

Thanks for knowledge I'm from Pakistan

[@rishi6398]

What about risk of black swan event where 30% of this amount can be wiped out and all the money he made is lost??

[@amitsinsinwar8586]

Kaunse college se karega mbbs and md so 3crs chahiye...any good government college will be good enough...baki toh kitna bhi kar lo no limit is there.

[@lsrinivasan4556]

Can you please suggest mutual fund for 5 years 2 crore. I am 71 year old.