₹1.9 LAKHS PASSIVE INCOME?

[@falajikitaiwo8962]

I'm favoured, $130K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.

[@zainabmuntari3444]

Yes! I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family an…

[@PaulWesley-mp6fx]

Please how do i go about it, am still a newbie on investment trading and how can I make profit?

[@philimonsizah6446]

Started with 5,000$ and Withdrew profits 89,000$

[@labiadijat3477]

Mrs Sonia Duke is gradually getting the recognition she rightly deserves. She's worked for it and this is only a testament of her good works for families

[@HelenaAntson]

She is really a good investment advisor. I was privileged to attend some of her seminars. That is how I started my crypto journey

[@SofiaDiego-]

My husband and I were fortunate enough to be able to pay off our mortgage early. We were both still working, and took the payment amount that we had been using to pay off our mortgage faster and we put it straight into investments. We were able to retire early because of almost 7 years of putting away what would have been our mortgage payment as well as maxing out our 401K/403B plans. Thankfully we were taught by both of our parents the value of living within our means. Thank you for your advice. I know it will help people. we are interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?

[@Adrianaluca-um6ny]

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

[@AlvarezDanuta]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@RomeroCarmen-4]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@LoriR.Wilson-uo8sh]

I had initially planned to retire at 62, work part-time, and save money, but the impact of high prices on various goods and services has significantly disrupted my retirement plan. I'm worried about whether those who experienced the 2008 financial crisis had it easier than I currently am. The volatility of the stock market is a concern as my income has decreased, and I fear that I won't be able to contribute as much as before, potentially jeopardizing my retirement savings.

[@AnissaT.Roller]

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.

[@JermaineW.Hoskins]

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.

[@SharonA.McClary]

Mind if I ask you to recommend this particular coach to you using their service?

[@JermaineW.Hoskins]

Leticia Zavala Perkins, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@JoshuaAltom]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@EmanuelAmbriz-ml4nk]

Although I have interests in global economics I don't watch the news anymore... I have enough FUD lol. Thanks for this news and offering your insight on how to navigate during unfortunate times/events like this. You're right about keeping level headed when investing so that's why I think it's important to limit the amount of FUD we consume. I don't watch the media but the news that you present has enough to know issues going on without riding the emotional rollercoaster if I were to watch the news everyday. Now I buy and just trade long term more than ever, I have made over 16 btc from day trading with Kerrie Farrell in few weeks, this is one of the best medium to backup your assets incase it goes bearish...

[@rogercav40]

The fact that i got to learn and earn from her program is everything to me think about it, it's a win win for both ways.....

[@JasonGavino-dj6ze]

This is exactly what Big time investors are talking about, not just you. key thing here is to always trades with a good strategy even if the price goes up or down....

[@RomanLansang]

Access to good information is what we investors needs to progress financially and generally in life. this is a good one and I appreciate..

[@LeightonCorrigan]

I agree with you and i believe that the secret to financial stability is having the right investment ideas to enable you earn more..

[@calissou]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing..

[@Peterl4290]

The issue is that either the renter or the owner must in some way pay insurance and property taxes if they want a "permanent roof" with utilities like electricity, gas and water. Because of this, many people-at least in California, where I currently reside-are living in tents. No taxes, rent, mortgages, or insurance. The number of people who tell me they live in their car that I meet amazes me. Its crazy out here!

[@larrypaul-cw9nk]

I get such worries too. I'm 50 and retiring early. Already worried of the future and where its headed, especially in terms of financies and how to get by. I'm also considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?

[@Mrshuster]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@sabastinenoah]

How did you achieve it? I been trying to stick with index funds. I feel this new interest rates hikes could crash this economy. I'm looking out for a better investing strategy, I have a lump sum that inflation is steady eating up.

[@Mrshuster]

Her name is “Vivian Carol Gioia” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@sabastinenoah]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@sunilmaganally1815]

Somebody please ask the caller Suraj not to sell his house and get into this mess… one house to live is a must … since you already have it , please hold onto it

[@chandrasekarmanohar8968]

Rent will double over time. Market is not going to give 12% Y0Y.

[@abhilawvlogs]

That could be a blunder. Especially seeing that he would be going on for almost a 2 L per month rent. Further this will keep on increasing with time. It could have been a better choice if he would have decided to spend on rent below 1 lakh at the max.

[@sushovandas3197]

What about capital gain tax on selling the house

[@felixjeffrey2894]

Yeah. I am gonna speak to Suraj now about this

[@sathvikraomp2006]

@@ashu_1 Exactly. And he is not even taking into account things like Tax for that 3.5 Cr. His thinking only makes sense he uses that money to buy a cheaper property somewhere in outskirts of Mumbai or in a cheaper city.(buying real estate by selling real estate saves tax).And investing remaining amount. Completely relying on rent is bs and he is gonna regret

[@praveendrabansal6971]

Gentlemen you are suggesting to park 3 crore in hybrid fund for around 12 months and then start SWP from the fund . My dear it seems by your age that you have not seen past 25years of stock market where stock market doesn’t perform 7-8 years in continuation. If it happens how the person can start SWP just after 12 months I. E @8percent . My dear it is stock market. It doesn’t behave as we think. I appeal to all viewers we must invest in mutual funds but first do your home work before investing. Believe the people who are fluent in English speaking are not so intelligent as we think.

[@bonvoyagewanderlust1734]

Thanks . Makes sense to me

[@challapali]

Who all think that both the suggestions were utterly stupid? My reasons 1. LTCG tax on house is 20% after indexation unless Captial Gains are invested into a house or 54EC Bonds (ROI 5.75%). None of which is suggested. We don't know how it can be from the conversation. I like the suggestion of fractional Commercial Property, maybe suggestion to generate better rental income from the House would have been better suggestion. 2. 1.6l invested at 15% step up SIP with 12% returns for 10 years will create 6.5 Cr and not 12Cr. 3. I think they are just throwing numbers randomly without any practical implications. 15% step up every year for 10 years is quite difficult for someone with already very high pay like Pawan. Image for the last 10th Years down the line SIP is 5.68L. Its very important in Financial Planning to have a practical plan to actually make it work. 1.6l invested at 10% step up SIP to create 5.4 Cr wealth is somewhat practical.

[@Attuluri_85]

yes

[@donaldpinto]

Perfect

[@ScorpionKing-bq4ur]

yep

[@S4NGR4M]

At least someone ran the number, I was also wondering, Even step up 20 % won't get you to 12 Cr in 10 yrs with 12% CAGR

[@tarunsaini2070]

Maths definitely not adding up, taxations not considered, security deposit of rented apartment has not been added up and since rent won’t remain same that’s also an issue plus property appreciation has been neglected. Risk appetite gone for toss

[@vinay0007]

Also fund manager charges 3%! All fund managers are scammers. Anyone who buys into this deal, revisit this video after 5 visit and look back at this comment.

[@moeenoddinshaikh7888]

I agree with you. Apart from what you said, It's foolish to sell land in Mumbai. If that was a flat, then it might make sense

[@ganesh3663]

Wow, 24 lakh per year rent is 6.8% of 3.5 cr. If you sell the house for 3.5cr the ltcg tax to be paid on this is 20% you will be left with 2.8cr. Assuming 12% returns. You need 2yrs to just reach 3.5cr capital. Just imagine if rent increases by just 10%. Sharan kindly don't spoil people's life

[@71gaurav]

Yehi hota hai bhai..when naivr become a financial advisor

[@jammi25]

It’s not a flat 20% on the sale proceeds. There are indexation benefits, house improvements, etc. that are deducted before LTCG is applied. Also not considered by this “guru” is expense ratio and capital gains taxes on the SWP.

[@ysdgiam]

Yes i was actually thinking how can he miss the part of rent increment

[@gouthamkondapavuluru1959]

Why to sell a house and put it in balanced advantage fund. He is in a way getting 6 to 6.5% per annum as rental yield on the current house (Since his current house price is 3.5 crores and the rent he will pay if he move to new house is 1.9 lakhs per month). Even if the house appreciates another 4-5% per annum he will still make 11% returns on the house. Balanced advantage fund + liquid fund together in general will not generate more than 12% per annum and you will lose peace of mind. Also you have to pay capital gains on the sale of the house.

[@srikarkalluri9121]

Exactly, and rent will increase, security deposit, as much as I used to like him this advice did not sit right with me

[@nickantiorio2874]

Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself.

[@jessicamcwilliams1201]

I'm favoured financially, Thank you Jesus $32,000 weekly profit regardless of how bad it gets on the economy.

[@martinsgustavo1564]

How ..? Am a newbie in crypto investment, please can you guide me through on how you made profit?

[@nickantiorio2874]

A lot of people still make massive profit from the crypto market, all you really need is a relevant information and some professional advice.

[@nickantiorio2874]

Thanks to Mrs Deborah Davis.

[@nickantiorio2874]

She's a licensed broker here in the states

[@BrettGregory299]

Thank goodness you brought this up! Truly, i:nvesting has changed my perspective on how one can succeed in life; working multiple jobs isn't the optimal way to attain financial freedom and unfortunately, we discover this later in life. Currently earn as much as 10 grand weekly and this has improved my financial life. Great piece!..

[@CoryLafund]

Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!

[@DanielHaskel]

As a beginner I would recommend you get started with a professional broker that will guide you through the process and trade for you while you get the daily profit and rewards.

[@Karenfloen]

Do you mind sharing info on the adviser who to assisted you? I'm 39 now and would love grow my portfolio and plan my retirement

[@RyanCole295]

SARAH JENNIE DAVIS

[@RyanCole295]

That's my licesed Financial advisor you can easily look her up, Thank me later!

[@silver45q]

This seems like the worst period. Even the market are now very unpredictable. Started investing recently when the market prices were a bit high,today I am more than 60% down!

[@phelps078q]

Don’t be confuse buying the dip in a bear market, with guaranteed future returns. Just because that company is down 60%+ from ATH does NOT make it a sound long-term investment. Make sure you’re investing in great companies. kudos to Devion Jane

[@silver45q]

Please educate me, i'm willing to make consultations to improve my situation,

[@phelps078q]

Her technical analysis is excellent and her interpretation/projections of the market are so accurate I sometimes ask myself if she is a human The point she is the perfect trader to follow for advice and guidance

[@silver45q]

Please how do I find this financial counselor?

[@silver45q]

I'd love to know this mentor of yours

[@sreekumares1]

Not possible to invest the entire 3.5 cr if you are selling the property. There is long term capital gain involved in this deal. Either you should pay 20% of the profit as tax or you should re invest in land or apartment to avoid capital gains. In this case the gain can be substantial amount based on when they bought the property. One thing for sure they cannot take the entire 3.5cr and invest as these guys say.

[@Lazy_marmot]

Learning finance from social media is the worst thing you can do My cousin earns 110k usd in new Jersey and drives a tesla I earn 27 l fixed and drive a baleno These are the things ppp does not consider 1. City of living, in usa you could stay outside of city, stay cheap and commute to work. Is that possible in Bangalore, mumbai, chennai? 2. Indian public healthcare and education is not remotely comparable to developed countries.In India private healthcare inflation rate is 15% I feel sorry for the guy who decided to sell his house after getting brainwashed. Someone please stop him.

[@KirbiHolat]

*I'm favored, $22,000 every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.*

[@KirbiHolat]

Thanks to my co-worker(Alex) who suggested mrs Elizabeth Regina Nelsen

[@KirbiHolat]

She's a licenced broker in the States 🇺🇸

[@SuaraCheng-hp9vx]

Elizabeth Regina has really set the standard for others to follow. We love her here in the UK as she has been really helpful and changed lots of lives.

[@KirbiHolat]

She is mostly/available on Business What asp.👎🏻

[@KirbiHolat]

+1850

[@nairarunr]

If he sells the house he will have to pay 30% taxes, unless he buys a new house within six months. It's foolish to sell the house and invest in paper money.

[@mental9453]

There are other investments they can make

[@roshans4128]

2 Things here are not considered -- 1. Rent gonna increase by 10% per year in Mumbai so you gonna end up paying even 2.5lakhs rent after 4 years. 2.The property of 3.5cr now gonna appreciate its value by 5 to 7% in mumbai. If you calculate maths your current property of 3.5cr gonna give you return of 12% just after 2/3 years + This return gonna keep increasing year by year with 1% by its compounding effect. So selling 3.5cr property really make sense??

[@sagar1691]

What a fantastic session! The issues discussed are very common among the lower and upper middle class, and the customized solutions for individuals are perfect. I can relate my own problems to those of the people Sharan and the expert were talking to. Keep up the great work with these kinds of sessions. Thanks again!

[@mymantra5319]

The session was great but figure was wrong.

[@akshaysaireddy]

About the last lady, earning 1000€per month means, depending on the city where she will live.... the monthly house rent alone will be 400-800€per month. Monthly expenses will cost 200-300€. Also, taxes and insurance(mandatory in Germany) will be easily 15-40% of income. So 1000€ is actually way less income. Min in-hand expected income(excluding taxes and insurance) should be 2000. Only then it makes sense to go n earn in Germany

[@HarrisonDean-ll6om]

*Fantastic video! I have incurred so much losses trading on my own....I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong??*

[@GavinDan920]

Same here, My portfolio has been going down the drain while I try trading,l just don't know what I do wrong. .

[@AabidahBasma]

Well...l will advise you should stop trading on your own if you keep losing and start trading with an expert because trading with an expert is the best strategy for newbie..

[@CharlieNoah-qy5yn]

I think l'm blessed if not I wouldn't have met someone who is as spectacular as expert mrs Janet.. High recommended

[@maxRoxanne-ub2su]

​Wow, I'm surprised to see Janet mentioned here as well. I didn't know she had been kind to so many people

[@OwenAustin-nb6jn]

Mrs Janet successful stories are everywhere, all over the place.

[@hemanthk6960]

The 1000 euro .. I think Germany cost of living is sky high .. if she saved roughly 500 euros also it's only arround 40k per month .. which is pretty low ..

[@prabhakar3725]

10% in liquid 20% in Debt 30% in Balance Advantage 10% in gold 30% in Index or RIETS

[@nithviews]

caller SURAJ if you are seing this comment please I have a suggestion. But these are all calculations, a small difference can mess it up for you. Considering that you are not alone but is having a joint family dont sell your house. Anyway you are holding house and also is having a good salary. Build your wealth from income and keep your home. Living together in your own home makes you feel better, you can earn better and live peacefully. You will regret your decision of selling your home in future.Keep atlease one home, consider rethinking.

[@TechnoAnkitIndore]

Lovely podcast again. Whole conversation was very well diversed and covered what is being expected. Thank you!

[@financewithsharan]

Glad you enjoyed it!

[@GreenDriveIndia]

The person is not thinking this way. He has asset of 3.5 crore with and income of 3.2 lakh per month , I don’t think the income is enough to have rent of 1.9 lakh per month even if considering 3.5 crore gives 12%. This hypothesis gives u 6.2 lakh per month and you will be spending 30% of your income on rent . Totally not worth of giving 1.9 lakh in rent. Rent should not be 10-20% of income.

[@rajatagriculture]

Kirtan is at super advance level then sharan

[@amnn_singh_134]

Biggest problem with 1st & 3rd caller is they want SWP. If they start swp they definitely not gonna create wealth. Instead leave money in the market for Atleast 15 years then start swp.

[@sanjaykartari6835]

True.. Step up Swp. Start from small swp than increase your withdrawal amount every year. It will create Magic.

[@basanirakesh]

How come pawan reddy can make 12.2 crores with compounding annually? With 1.6 lacs monthly saving compounding annually with 12% annual returns it will be ~3crs. And sharan corrected it and said 12.2 crores 😂😂😂

[@jsbagga87]

Even with 20% step up it will become 8 crore…😂

[@Gannu_Maharaj]

😂😂😂😂 When u are high on weeds😆😆 1% experts u see 🤣🤣🤣🤣

[@durgaonlinetutor6895]

Time horizon 10-12 years with 15% step up will make.

[@NachiketaThakur]

If he invests 1.6L monthly with 20% step up annually, he will reach 12.83Cr @12% return per annum.

[@NachiketaThakur]

But at 20% step up, his monthly sip would be 14.26 lakh per month in the 12th year, which seems impossible with his current job paying 5L/month.

[@DrKallalPramanik]

Hi Sharan, please enlighten us about any organized approach for investing in business startups?

[@meditationclub5803]

I have decided to buy a budget apartment in the outskirts of the Mumbai, where I am going to pay an equal amount of EMI (equal to rent) and will pay the extra EMI or lumpsum amount every year during first few years until principal or period of the loan will come down significantly. I understand I need to pay maintenance charges and property tax, out of which I believe most of the owners are adding up to the rent only. These days there is significant demand in rental houses. Owners are increasing the rent by 10% to 12%

[@abhakalsi1409]

Oh My God! Pls don't sell your house at any cost!! A row house in Mumbai, this will grow exponentially over a period of 10-15 yrs!!

[@aruneshdubey4585]

These guys have no idea about capital gains tax on sale of property.... What a joke

[@bhupinderosan4455]

HE WILL HAVE TO PAY CAPITAL GAIN TAX. NO ONE TAKES THIS INTO ACCOUNT.

[@MrShubhamenx]

Bro just took a bank loan to invest in Stocks. I can never be bold enough although it was a blunder. But, hats off to the courage.😅

[@wisevictor9751]

I think i am much better off living in Tire 3 hill station city , and earning multiple rental incomes from tire 1 cities. I think i am from 1% club and living and working in a healthy and peaceful environment. I did my BE in computers way back in 2005 but left rat race job within 1 year. I made all my fortunes in real estate and i am much happier to get 2% rental income + 3 % Property value appreciation, which is approximately 2.5 L per month + 2.5 L a month combined salary income + 2 L pension from my parent's. Aprox 7.5L per month.

[@jammi25]

LAMF or LAS would be a great option vs the suggested SWP approach that immediately triggers capital erosion. Get the LAMF/LAS as an OD with a revolving line of credit, enjoy your returns, avoid capital gains, exit loads, etc., keep the capital compounding for life if possible. Check out the buy, borrow, die strategy.

[@eggyolk2519]

Very Useful! Please help - : I have a folio of 1.5 cr plus. All in Equity. 70% in index funds (Nifty 50 and Next 50). Both funds are from the same fund house, happens to be UTI. Should I choose a different fund house for my further investment to de-risk the fund house concentration? OR it doesn't matter?

[@Nageshmokashe]

If it gives you a good sleep at night. Then definitely yes, split it up into as many mutual fund houses as you like, . Given they are index funds, there will be NO OVERLAP, even if you select n number of mutual fund houses

[@pankaj7116]

3.5 cr house vs 1.9 lacs rent is close to 7% rental yield.. if you assume a conservative 4-5% appreciation thats 12% increase in funds.. without too much risk.. purely financially speaking one would be a fool to sell the house

[@arjunv7205]

Everyone is suggesting what to be done with the money left or they get 😂im still wondering how the company bare paying 5-6 lakh per month at the age of 36- 37

[@potbot887]

Don't sell the house guys, Skills >> Gold ~=Land > Stocks/MF > FD > Cash

[@abhishekkachhadiya]

U summarised the personal finance and prioritizing fund allocation in just one line.

[@SD_003]

18:30- 1000 euros in Germany is very very low. Even a studio apartment would cost you almost 600-700€ in smaller cities like Dusseldorf & rest 300€ will go in utilities and food. Leaving you with nothing, infact you might be short . Anything less than 2.5-3k € is not worth shifting to Germany

[@TonuAlex]

Very true.. i guess that caller needs to definitely research better..

[@Rockfort_dinesh]

Very good session really enjoyed... Thank you saran... 😊🎉

[@kcpatel10]

Wonderful session and really good idea for call session. For house sell, never do it, person should have own house in life otherwise very hard to pay rent life time. Kirtan is right about abroad, India culture is the best and u have to compromise with many things in abroad. You can't get family life, culture, festivals like India in other countries. Don't leave India, you will miss India lifestyle when u r in abroad. I miss my India lifestyle.

[@tanjukhurana]

U paid 22 lacs to be at Cannes and were not invited actually - is this true ? Like wow

[@ravimanchem2279]

Hyderabadi guy have to invest almost 230,000rs per month after five years and 460,000rs per month after 10 years as per 15% step up. Final result of 12 cr is nice but is it practical to achieve this number?

[@krishnendukanungo6307]

Just a friendly suggestion to Sharan. Please let your guests speak and do not interject. It spoils the otherwise brilliant content you bring to the table.

[@jkarthickraman6182]

What about the capital gain tax ..after selling the house. .Need to invest in 54C bonds or buying another real estate

[@basavrajgavi6773]

Keep bringing more, love to listen and gain a lot of knowledge here. Keep making Indians knowledgeable in finance. 👍

[@shaahicreationsevents2079]

Hi Sharan can you help understanding 1.6lac SIP with 20% annual step up,12% return for 10 years can give 8 cr. Is there am I missing anything?

[@bhaskarreddyvyd]

i also confused how they say its just power of compounding. they should have showed some formula

[@jammi25]

I expected them to suggest something like half of the 3.5cr into a flexi cap mutual fund, other half into a debt/hybrid fund. Do SWP from the debt fund, while the equity MF compounds at a much faster rate. Why would you disturb compounding in an already low return asset?

[@pgrajeshab]

Capital Gain should be paid to government right. That will be huge money to be paid as tax.

[@NileshBhosaleRocks]

My 2 cents, Anyone in 30% tax slabs should know a better and safer way to build wealth is to first plan the tax and then invest. Salary individuals will not be able to reap the benefits of tax planning, but professionals, proprietors, and OPCs will get maximum benefits. Anyone getting paid more than 30 lakhs salary needs to re-evaluate his/her engagement with the company.

[@avadhootnadkarni2521]

It's a pleasure listening to Sharan (and also his colleague) in this format. The way they systematically deal with each question. And this, even if one is not interested in the question per se!!

[@simran6521]

This type of content is really good 👍 Many doubts cleared 😌

[@DeepeshDeomurari]

Its critical to understand, that it depends on risk appetite. I studied lots of technical analysis. Stock markets and all is good but its best to invest when geopolitical tension are eased. Today nobody knows when the war is ending. People may lose 3-4% return as MF can give 12 instead of 8% FD. But in one year you will clear about geo political tension and whether developed nation are going into recession or not. Investment at shaky grounds are very risky. Those who invested in 10 years and those in covid times got same returns. Past is not the future.

[@LetsCreateYourWEBSITE]

People - give me finance advice, Panel - Let's judge you first and then we'll talk. Take it with pinch of salt!

[@pranavonyt]

Suraj is ready to loose his current peace of mind just to make some more money 😁 Bro has 2.25L left after expenses. Why will it be difficult to make corpus ?

[@shirishshrivastava2350]

My view are different 1) House inherited from parents should be sold, it must be pass on to next generation especially when he is earning very good which he can invest and get pretty good return in long term 2) Third question of puja where she want to go Germany for good work life balance but I feel whatever free time she gets there will be consumed in doing cooking, cleaning of rented house etc and she should stay with her parents who will not be there forever And I really doubt that savings will be not sufficient in Germany

[@archanakr2905]

Sharan and gang are not dissuading a man owning a row house that too in a crowded place like mumbai from selling. Instead they are suggesting some lousy ideas to multiply money… really shocked.

[@saiseshabhattar514]

I did the math myself. At 12% annual interest rate and with compounding at Rs.1.6L investment per month, it comes out to be 3.7cr.

[@ScorpionKing-bq4ur]

very very knowledgeable and informative, thanks Sharan

[@upscale_properties]

Hi Sharan, great video as always! I wanted to share some thoughts regarding the advice given to Suraj by Kirtan. While Kirtan's investment suggestions are valuable, I believe it's crucial for Suraj to consult his CA regarding the long-term capital gains (LTCG) tax implications on the sale of his property. The LTCG tax on the sale of a residential property can be significant, and there are exemptions under Sections 54, 54EC, and 54F that he might benefit from. To save on LTCG tax, one option is to reinvest the capital gains in another residential property, as outlined in Section 54. Additionally, investing in specific bonds under Section 54EC or reinvesting the entire sale proceeds in another residential property under Section 54F are viable options for tax exemptions. While Kirtan's job is to suggest suitable funds as a fund manager, it would have been helpful if the tax implications and potential exemptions were also highlighted for better understanding of the audience. This way, Suraj and others in similar situations can make more informed decisions considering both investment opportunities and tax liabilities. Just to note, I am a real estate guy, not a finance guy, but I felt this point was important to mention for clarity. Thanks for providing such insightful content! Best, Salman Shaikh Upscale Properties, Pune

[@raghudr1981]

What if money grows considerably and the market crash happens??the second caller clearly mentioned that investing in stocks is risky.the financial advisor is thinking of his commission.not a good show.

[@PROKIDS7614]

So guys i can sell my house for than 11cr and i am spending 8cr on a new house what should i do with the 3cr and the 11cr house i bought for 3cr but now its 11 cr so how much do you guys think the 8cr house is gonna is gonna be worth after 10yrs

[@geekmails]

Wtf

[@vivekkhonde7688]

For the case of Suraj, for the option suggested he should fund his rent with the 3.5 CR corpus. In this case, 2.85 CR after taking care of rent would become 4.21 CR in 10 years (given that 4% CAGR post SWP). He invests the balance 70 lacs at say 15% CAGR for 10 years and would get 2.8 CR. He would also be able to invest the 1.9 lacs monthly in SIP to generate 5.3 CR in 10 years. This would total to 12.3 CR. But a better option would be to pay rent by his salary alone and invest all the 3.5 CR corpus at the same rate (15%) for 10 years period, which would yield him 14.2 CR. Thats easily 17% more!

[@vishaljain7268]

1.90 lakh per month rent for living. 😅😅

[@prithwishdey3947]

Welcome to Mumbai

[@argautham9862]

​@@prithwishdey3947 here in my place you will gate 2 bedroom kitchen hall 2 bathroom house for just 10000 rupees 🤣🤣

[@muximaginedemux]

In 1st question I'm disappointed why someone this famous and this intelligent fail to consider year on year rental inflation by 10% ...... rarely anyone talk about rental increment year on year by around 10% or whatever landlords wish I like videos a lot Thanks a lot for educating us❤

[@holypunk12]

The last one not what she looking at from what I hear ! She needs baxkup corpus ! So she can simply leave that 20 lakhs in an index fund or balanced advantage or mix of both ! Once she some how return to settle in India she could cash it out if its needed !! Not necessarily needs a to do an SWP since she doesnt need it now !!

[@vishaljoshi9259]

Renting better than buying when your EMI is wayy higher than the rent. If you have no EMIs & ultimately rental expenses is zero, why would you start such a massive rental expenses?! In this case, Real Estate Returns effectively are more than usual 6-7% becuase you are saving rental expenses! On other hand, if you sell house, reinvest in SIP(12%) and do SWP(8%), then your corpus will grow by only 4% which is not even enough to beat inflation. I am a big fan of renting instead of buying, but you need to take decision based on your personal situation. In this case since you're living for free without EMI & Rents, it makes sense not to sell house as of now. BUT, it will make sense to sell the house and follow their advise when you are about retire. It is because the house you are staying in will not give you cash flows for retirement. Advisors should consider age, other investments, and all other things before advising. Give a thumbs up if this makes sense to you. 😊👍🏻

[@amitdutta1903]

I m showing jst for one main reason.. kirtan shah.. amazing financial advisor... Love that ❤😊

[@mymantra5319]

If you are investing 1.6 lkh per month and 12 % return every year. you will get 12 cr in 7 year ????????? where is the math ???? what is the calculation. I have calulated for period of 10 years you will get 3,71,74,252. Even the figure 12cr is not touching if you take the intrest 30% every year. Why you misguding the people ????

[@harshgandhi9815]

This all will go to drain once the market gets into stagnant growth mode like most of the economy. Concept of PPP is not implemented correctly they just forget to tell saving would be min 2x post PPP logic expense abroad.

[@abishekgaggarkk]

Please make this kind of videos on a regular basis.. May be once weekly.. Loved it.

[@rijzdxb]

Omg, where on earth u get 12cr for 1.6 lakh sip @ 12% for 8 years ????????????????????? Sharan, u mis calculated this time. Call the guy now and tell him not to believe that advice 😮😮

[@thenthvoice]

Yep

[@mohittalreja4309]

Bhumi ma bohot mushkil se rehne k lye jagah deti h...n when we put value on our home we r actually disrespecting her....never sell ur residential home no matter wherever it is...coz when shit hits the fan u shud atleast have a place to stay

[@Nageshnammi-kv6dj]

@Pooja : Please revisit your homework about earning potential in Germany , as mentioned PPP and inflation in Germany is way more high. I afraid it will be an unexpected blow for you.

[@yayi3434]

Simply great!! Any playlist for such content?

[@apoorvchauhan4707]

Guys who is going to talk about A and B , the two components about how he will receive money after selling his flat. Not all amount will be in white

[@ashutoshbartwal3851]

I lost it when he said 100k equal to 24 lakhs in India :. I live in USA and I can tell you this is not that simple .. we can make 70000 usd after taxes and when we live on even 4000 usd per month you end up saving 22000 usd which is like 20 lakhs .. so you can save more in USA than India

[@milemuncher5154]

Not believing in RE is one thing - but why would you sell a 6 BHK row house in Mumbai and move to rented apartments ? That guy + wife is earning close to 2.5 LPM - you can easily get a good 2 BHK in Mumbai for a rent of 60-70k. Let the grandparents and the mother stay in the bungalow and the young couple can move to a 1/2 BHK which is near ! You can always chose to not buy additional RE if you don't believe in it - but what the guy is thinking seems like utter lunacy to me and just doing things for the sake of it

[@nisargmodi00]

Love this format! As I have had mentioned earlier full dave ramsey vibes! Keep this kind of content coming.

[@financewithsharan]

More to come!

[@vd8509]

Hi sharan bro.. I have invested 1.75 cr (50% loan) for commercial building.. I'm getting 12lakh p.anm rent is it good...

[@WemrekkyRuffed]

your videos help alot of people. Would you make a video talking about debt and how to get out of it if person has a low-mid income

[@vinayupdatestelugu]

People Really don't know how to SWP please explain clearly regarding swp. It will help all the people

[@meditationclub5803]

The rent considered in both first cases are average rent for the next 10, 20 years or we are just assuming the rent will not grow 10% per annum and even more in cosmopolitan cities.

[@Justlistenlearn]

4:49 But if he withdraw 8% of his money and then money is still. Growing with 4% but what about the inflation, it is more than growing percentage?

[@manindermann8164]

Thanks Please make a video for people who inherited property cash example Rs 1cr on how they should have a well-diversified passive income for retirment.

[@sairamvarada1099]

May be pawan is right he may get returns of 3cr or 4cr i think but why y sharan told 12cr

[@deveshmaheshwari6598]

Feeling of living in a bunglow can never be matched with that of a flat ; feeling of living in your own house cannot be matched with living in rented house. sell your bunglow only if it is absolutely necessary. To Kirtan and Sharan - do u live in own houses or rented ones. ?

[@BestofFoodIndia]

Why sell the house.. one day your family wont earn but they would have a place to stay.. so they do not have to pay rent.. and in minimum amount we survive.. rather then try to get rent from existing property build a new floor..

[@Vnainiwal]

Sharan trying to convince us not to buy home while paying 25 Lacs just for a red carpet walk at Cannes 🤦

[@ajaytomer152]

What will happen to capital gain of sales proceeds of house

[@jammi25]

A house, even as a sole asset, HAS TO BE INCLUDED IN NET WORTH. There is a difference between liquid investable assets and net worth. I started out being impressed by Sharan and his approachable nature, but it’s clear he’s out of his depth.

[@pradeepvarshney7908]

Where in india residential property giving more than 6 percent return..and if that is the case person should not sell it

[@kishorebabu4697]

Nice...sessions. Looking forward more these type of sessions...thanks a lot...it increases the thinking visibility as the practical scenarios explain like these...thanks for the efforts...

[@nakulm964]

For the first guy i.e. Rent of 1.8 lakhs, I am surprised the rent increase per year was not considered.. Or did i miss something??

[@Ansh-vajra]

Sharan is a serious guy.

[@Investing-cadhirendrat5360]

In the first question you guys forgot to consider the rental inflation which is very basic things to consider while giving financial advice