Financially Secure Retirement Planning: What should be the size of Retirement Corpus? | B Wealthy

[@ManishBunty1283]

We will watch it once more to understand it properly, but watching it is important. This is the best video so far for a retirement plan. You are doing a very good job for society. Thnku.

[@pavannagula153]

I believe we should take probability of positive returns and negative returns and while simulating we should sample returns from the past according to probability. I believe that could change the simulation results .. we can even segment the returns and take the distribution accordingly as next level exercise

[@shripaddharmadhikary6203]

Thank you Swati ji and Ravi ji for taking up the first of my two questions. Your response will help me refine my thinking on this strategy. I agree that it is high maintenance strategy and so may not be suitable for everyone. I feel though that your scenario of corpus of 33 times annual exp and 60-40 debt: equity allocation is also high maintenance as it needs annual rebalancing. So I feel strategies to be adopted will also depend on individual aptitude. Thanks again for such a stimulating series of discussions. I hope my second question will also be taken up in one of the subsequent sessions.

[@shreyasvithlani528]

@shripadji, Puri zindgi mathafodi karke kamaye, corpus banaye aur after retirement bhi market time kare, kyu bro? Just chill Have a trusted BAF & do swp, let the fund manager do whatever he wants to do. Trust him n enjoy retirement. 😊😊😊

[@Topblogger7]

Fantastic 😻 insight by Ravi Ji.

[@SciTechGen]

This is one video I am sharing with all my contacts and asking them to watch this atleast 3-4 times and understand this. One of the best in its class. Take your retirement as seriously as you take your education and career. Retirement is now a third of one's life. Thank you Swati Mam for the time and effort that went into this video.

[@SciTechGen]

I observed that this 33% allocation also finds a mention by Neil Borate of Mint newspaper. It's on his X Twitter account today. This is a humble appeal that the spreadsheet may kindly be shared with your viewers. Thank you 🙏

[@singhsingh5232]

I have already taken retirement at the age of 42. The simple strategy I follow is I saved 90% of my earnings from the first day of my job spread into land, FDs, NPS, Stock, Mutual funds, PPF etc.

[@sg2798]

U can save 90% only when you have a very big salary or income OR you don't have burden of home responsibilities

[@singhsingh5232]

​@@sg2798: just for the knowledge : my first salary was 4500/- and last was 100100/-, worked for 18.6 years. Started saving from the age of 10(pocket money + any extra I receive), never left the money idle for a single second.

[@sukumaridevi3629]

CHAPARI hoga logai ka😂😂

[@manojshah9063]

Bhai , bahut saara property/paisa hoga Baap-Dada ka tabhi 90% save kar pata hoga....aajkal 20% bhi save karna muskil ho jaata hai..tu lucky hai 42 ki age mein retirement le li ..yahan to 60 saal naukari bhi kam hi lag raha hai ...chalo mauj kaato... Bangkok/Pattaya trip maaro😅

[@singhsingh5232]

@@sukumaridevi3629 being unmarried Iam unable to understand your meaning.

[@PunnyGuy]

Best video Swati ji..... Thanks 🙏 Ravi

[@Vaibhav-ev2zy]

This was an excellent video. Well done.

[@prakashpal1981]

आप केवल सुंदर ही नहीं अपितु ज्ञानवान भी हैं।informative vidio

[@neeleshjain3175]

आँखे खोलने वाला वीडियो धन्यवाद स्वाति जी

[@ozstarjoy]

I 10000% agree with Ravi. I am doing similar things with my Excel sheet, and I found out that SWP is not a magic formula that people are selling on KZbin. This can be very dangerous for retirees if they invest 70% to 100% in equity when you are in your retirement phase, you have to be extremely cautious about your SWP approach. Unfortunately, on KZbin, to get more views, finfluencers are suggesting that once you put all your money in equity, you can use SWP for the rest of your life. Thank you very much, Swatiji, for bringing Raviji on your channel. I found he is the only one on KZbin who is giving the right advice. GOD BLESS 🙏

[@deeppahalwan5300]

Best programme that I ever seen. Thanks

[@BWealthy]

Thank you so much. Stay Blessed, Healthy & B Wealthy

[@neeleshvaishampayan8016]

To be on safer side , conservative approach will be better. Failure to earn returns equal to or more than inflation could be a better consideration to calculate corpus required for next 30 years.Considering 2 % less return than inflation could be helpful .

[@DarkModeActive]

Bahut hi achhe tarike se satik vivran diya hai, ❤ you swati ji 🌹🌹

[@vps071]

one of your best videos Swati Ji. Thanks! my question to Mr. Ravi would be "what if my 30% debt portfolio is sufficient to last for say 10 years during which equity would grow reasonably & i can rebalance around 10 years to plough money from equity to debt for another 10 years & continue like this?"

[@niharikaverma1640]

Thank you 🙏 Swati ma'am 🎉 for making this video.

[@vvs0912]

Mam, Request to share the excel sheets with calculations. Thanks in advance

[@sunilss278]

Very nicely explained. Please check for 50% equity and 50%debt.

[@RahulSharma-vu7eg]

If this is the case then buy some secondary source of income like Godam or something that gives you regular money and then whatever you earn from that you can put only 10% into equity and when it grows to buy second secondary income you take out all equity and put in secondary income.

[@Shon_29]

This can be done but what about paying tax while removing the profit from mutual fund and again paying tax while buying assets like shop, godown or land. 😢

[@BWealthy]

There can 100s of ways to plan for retirement. This is one of the ways. Stay Blessed, Healthy & B Wealthy

[@RahulSharma-vu7eg]

@@Shon_29, you are right. But if you buy a running goddam, it will be an asset for a lifetime and after. There is no worry about negative returns. It's your decision. Depending on market conditions, you can lower the prices or raise them. And in India, as all other prices are increasing, its price will also increase. and then you can work up other assets like the madam told. Earning the first crore is the challenge I believe, after that it is a smooth journey. Also who told you to buy all in white??

[@RahulSharma-vu7eg]

Also I am saying this with my personal experience. As Madam told I have a small-size portfolio of let's say some 9-10 lakh and I am investing 50k per month in mutual funds but I am taking this money from a rental property which till I work I have no requirement.

[@praveerkumar2652]

Very informative!

[@BWealthy]

Thank you so much Praveer Jee. Stay Blessed, Healthy & B Wealthy

[@manojvarghese6783]

Kindly share us the spreadsheet. Age 45 now... as illustrated 2 more crore needed to retire 😊. Hopefully could retire in my 50.

[@anandkapoor9071]

Very Good Analysis of SWP...PPL think SWP magical lamp hai Alladin ka...but reality is different...Nice Information 👍

[@BWealthy]

Thank you for watching the video Anand Jee. Stay Blessed, Healthy & B Wealthy

[@anandkapoor9071]

@@BWealthy 🙏

[@rajnish821]

Can this excel file be shared.

[@BWealthy]

Rajnish Jee, let me check with Ravi regarding this. In the meantime, may I request you to please drop a message to our WhatsApp number, 9148022073? Stay Blessed, Healthy & B Wealthy

[@ajayrajpalujjain]

ravi ji u r no doubt correct .but in india this much corpus collected karana possibile nahi hai .try to find some solution of this problem .u have good knowledge .my problem is that if i sell all my life properties than this corpous i can not collect. 50000 pension milegi 25000 aur chahiye isaka sheet banaye.swati ji aapko dhayanawad aise guest ko laye inki research sahi hai

[@JaswinderSingh-bk4ec]

Love you beta ❤️🙏

[@sudhirtiwari5828]

Well explained Thanks

[@BWealthy]

Thank you so much. Stay Blessed, Healthy & B Wealthy

[@vps071]

on a lighter note, Ravi Saraogi is a smiling assassin who is gently killing hopes of early retirement for many! :)

[@JesifAhmed]

Didi tera dewar diwana.. keep rocking 👍

[@DrCajetanTellis]

One simple way is to keep 50 percent of your money in each portfolio, and withdraw each month from the portfolio which has more money.

[@brijeshbajpai3877]

It,s good.. but i think 33% of yearly expance with 5 year of fund with yearly rebalancing will work .. soon will start starting..

[@BWealthy]

Thank you for watching the video. Stay Blessed, Healthy & B Wealthy

[@anupamrana3722]

Very well explained.Thank a lot.

[@BWealthy]

Thank you so much Anupam Jee. Stay Blessed, Healthy & B Wealthy

[@ravipratap2003]

Nicely explained, is it possible to get the modelling sheet.

[@HARSHDHV1]

Investing the retirement savings the equity is the most risky thing. I had invested in hdfc bal adv fund. They were giving 12%dividend. After few years , corpus has come down by. 40%. Many people redeemed mf and invested in NSC. Some people converted into growth, they withdrew from growth fund to the extent of requirement.

[@abankwar]

I think, this analysis is underestimating the equity returns. It is assuming market to be in bear phase for longer time as compare to bull phase..

[@manojvarghese6783]

Better to consider negative side

[@vijaywalia1019]

Hello ma’am the 33 time corpus is sufficient for how many years? If the age is 60 years

[@sameertewari1591]

Hello Mam, can we get the excel sheets with calculations to get more details?

[@BWealthy]

Sameer Jee, Let me check with Ravi regarding this. In the meantime, may I request you to please drop a message to our WhatsApp number, 9148022073?. Stay Blessed, Healthy & B Wealthy

[@hamentbhardwaj3651]

Madam,idcw plan को growth plan में कैसे change करते हैं

[@BWealthy]

चेंज करने के लिए आपको 'Switch' ऑप्शन का इस्तेमाल करना होगा। लेकिन इस switching को Sale और फिर से निवेश समझा जाएगा। तो Sale पर अगर एग्जिट लोड लागू है, तो वो लगेगा और अगर कैपिटल गेन्स लागू है, तो वो भी लगेगा। Stay Blessed, Healthy & B Wealthy

[@powerofswingtraiding]

Just a thought, after 60 years who will have this much energy to keep the balance between debt and equity. Saara jeevan yahi karngey kya? And after 60 your requirements will be minimum except medical expenses otherwise we can live with minimum needs??

[@BWealthy]

सबकी ज़रूरतें एक समान तो नहीं हो सकती। और सबके लिए एक जैसा रिटायरमेंट प्लान या एक ही रिटायरमेंट स्ट्रैटेजी काम नहीं करती। इस वीडियो के ज़रिए एक तरीका सुझाया गया है, जो कि डेटा बेस्ड है, इससे लोगों को एक आइडिया मिलेगा रिटायरमेंट प्लान करने का। Stay Blessed, Healthy & B Wealthy

[@rajeshsawant9461]

Nice information Swati ji ❤ can you share excel where 60:40 debt to equity ratio shown. Good job god bless you and your team.

[@Deepakprajapati-bu1eo]

HDFC small mutual fund mein 3000 ka aur Nippon India small mein 3000 ka aur SBI small mutual fund mein 2000 ka 10year ke liye lgaya hai main kitna growth hoga

[@Deepakprajapati-bu1eo]

Monthly karte hai

[@ab30-ws4te]

Swati mam plz tell about transmission of mf in case of no nominee and nominee to aware the people

[@banojkumarray2995]

Plz suggest Hyundai ipo.

[@dxbwedding1355]

Thank you. Very insightful discussion on a most important topic. Is it possible to share the spreadsheet so that we can try it out and see? If possible, please post a link to the spreadsheet. Thank you.

[@BWealthy]

Let me check with Ravi regarding this. In the meantime, may I request you to please drop a message to our WhatsApp number, 9148022073? Stay Blessed, Healthy & B Wealthy.

[@RAgarwal-z1z]

"retirement calculation with 25x." inflation 6 . debt return 6 to 7 just enough to beat inflation.( eg short duration funds) put 20-21x in debt. put 4-5x in large cap conservative 9 pct return over 21 years. 27 to 29 years of retiremnt life. if we draw x per year increasing with inflation and getting a min return of inflation plus .5 . balance corpus lasts around 22 years.( any draw down calculator with return and inflation rates ) while 4/5x @9 pct in 21 year will be about 30x. (may be more). put this in debt like abv than to last about 6-7 years. 28 year of funding. eg. 24 lakh pa starting expense corpus = 25 x 24lakh = 6cr put 5cr in debt at about 6.5 pct it will last 22 years with 24 lakh pa plus inflation drawings. by that time 1 cr in equity22 years @9 pct will be 6.6 cr. which then put in debt will last around 7 years. 29 years total. risk will b if surviving beyond age89. but luck if equity return is more than 9.

[@RAgarwal-z1z]

of course any additional corpus beyond 25 x will be bonus and can be put in equity to extend 29 years time period.

[@jaym-06]

Hello.. mam kya is google sheet ka link mil skta hai ?

[@BWealthy]

Let me check with Ravi regarding this. In the meantime, may I request you to please drop a message to our WhatsApp number, 9148022073? Stay Blessed, Healthy & B Wealthy

[@sandy-storm]

@@BWealthyPl share the XLS link , thanks

[@nakulsubramanyam9908]

Expenses are not linear. Can he talk about how each decade after retirement the corpus requires is different and will reduce.

[@BWealthy]

He has factored in 6% inflation in the expenses Nakul Jee. Stay Blessed, Healthy & B Wealthy

[@nakulsubramanyam9908]

@@BWealthyThanks so much Swati Ma'am for responding. My point was slightly different & based on experience. The annual expenses in the years 60-70 will be much higher than in the years 70-80. He should not factor a linear expense across all years. Kind Regards.

[@subodhkumarsharma4669]

सीनियर सिटीजन SCSS मे 100 % सेफ और निश्चित 8.25% RETURN लें DEBT मे क्यों जाना 7% क्यों लिया इस EXAMPLE मे?

[@funny19802]

8.25% ke baad bhi tds bhi katta hai post office aur bank se ,tds Katne ke baad return bank fd ke jitna milta hai,ppf mere hisab se jyada sahi hai, compound interest bhi milta hai, nivesh par aur mature hone par tds ya kisi prakar ka tax bhi nahi lagta

[@manojshah9063]

PPF best hai

[@aksket2000]

Basically it is very difficult to rause 33 times corpus for retirement for a salaried paerson having home requirement, car, education of children, emergency funds, medical and term insurance premiums. So here basic assumption collapse.

[@subhasishdas7199]

Is it possible to share the excel sheet with us?

[@BWealthy]

Subhasish Jee, Let me check with Ravi regarding this. In the meantime, may I request you to please drop a message to our WhatsApp number, 9148022073? Stay Blessed, Healthy & B Wealthy

[@khalidbirajdar437]

क्या आने वाले 40 वर्षो तक भारतीय शेर बाजार 12% का CAGR दे सकते हैं???

[@BWealthy]

गारंटी तो इस बात की कोई भी नहीं दे सकता। Stay Blessed, Healthy & B Wealthy

[@SandeepKumar-ku2zx]

No but you can expect as double the inflation. If You got 8 percent on inflation of 4 percent.❤

[@shreyasvithlani528]

Koi guarantee nahi ki hum dono aage aur 40 saal dekhenge. Conviction nahi ho to market me entry hi nahi leni chahiye.

[@vinitgawand7692]

If retirement corpus is 33 times of your annual expenses. What time frame you are holding for RETIREMENT. 15 YRS OR OR 25 YRS. What about those who wants to retire early.

[@IndianPrimeVideo]

I am Prabhat Kumar Mishra, already invested in Nippon Large Cap ₹4 Lakh, Nippon Growth ₹5.7 Lakh, Nippon Small Cap Index 250 Fund ₹2.6 Lakh, Nippon 500 Equal Weight Index ₹2 Lakh, Nippon 500 Momentum 50 Index ₹3 Lakh, ICICI Large and Mid Cap ₹6 Lakh, ICICI Equity and Debt Fund ₹4.3 Lakh, ICICI Multi Asset Fund ₹5 Lakh, ICICI Equity Saving Fund ₹5 Lakh. Total Investment ₹37.6 Lakh. Now, please suggest which fund should be remove. Also, I can invest ₹12 Lakh more. Which fund should I add for investing the fund of ₹12 Lakh? My age 51. I want SWP of 20000/- pm from April 2025 and SWP of 40000/- pm from April 2027.

[@deepakchintu1]

Excel sheet ka kuch bhi clearly visible nhai h mam

[@technicalmania9471]

Beautiful Finical Advisor 😂 Beauty with Brain...😊

[@anupbajpai8933]

Navratri ki subhkamna❤

[@manishagrawal3952]

ABHI KUCH CONFUSION HO GAYA HAI ISKE ACCORDING HYBRID FUND IS BETTER FOR REIERMENT CORPUS AS THEY HAVE BALANCE FOR EQUITY AND DEBT AUTOMATICALLY 70/30 SO WHY WE DO ALL THIS EXERCISE

[@ddesai1080]

Bhaiya Nirmala Sitaraman ko income tax kaun dega...? return pe tax dena hota hai bhaiya...FIRE...35.88% ke niche ka tax pe karne valo ke basaki bat nahi hai...

[@SandyRV]

Hello mam... मेरे पापा ने कुछ shares लिये थे 1986 से पेहले ... लेकिन उनकी डेथ के बाद हमे 2024 मे पता चला के उनके shares है... लेकिन हमारे पास कोई documents नहीं... अब हमे ये पता नहीं के उनके shares किस किस कंपनी के थे और कितने है... अब हम आगे क्या करे... इस विषय पर एक विडिओ बनाईये pls.... और मेरी हेल्प किजीये इस विषय पे.... पापा कि डेथ 1986 मे हुई थी... तब physical मे काम चलता था..

[@shubhamsachan6419]

Contact SEBI helpline

[@human__being]

Bhai jab proof hi nahi hai toh kya hi hoga. Example ke liye pehle jyada tar kaam brokers ke through hota tha. Sab hisaab kitaab unhi logo ke pass hota tha. Ab agar aap apne papa ke friends ya circle mai pta karwao ki how he used to manage his shares fir aap pta kar sakte ho. Kyuki brokers jyadatar khud hi sell kar dete hai(bad practice in the industry) but iske ilawa koi tareeka nahi hai. And sorry for your loss bhai.

[@SAM-pw2qj]

Bhul jao ki share the , Mai jinda hu Angel Broking me account 2008 me open Kiya tha, ab demat bhul gya hu ,usme mere share h but o sale bata nhi rhe h,bol rhe h, registered mail and mobile se call kro tb batayenge, aadhar pan de rha hu o sun nhi rhe

[@aksket2000]

Contact SEBI, CDSL, NSDL. You will definitely get a solution. Your father's hard earned investment is completely safe and secured. Just keep inventory of holdings.

[@SandyRV]

@@aksket2000 thank you sir👍🏼

[@rkrkrk348]

Where i invest 2 lakh for 15 years lumsum

[@rajkumarjaiswal2277]

50000montoly encom ke liy ketnelakh ka sip kre

[@DeepakMishra-wv8ds]

Investing is a boring tool look like a dal chawal yaha chat masala dhundhoge to dal chawal se bhi jaoge i cant consider debt in my portfolio jab uske return 0% ya negative per aa jayenge to mera corpus increase kese hoga

[@SandeepKumar-ku2zx]

3 sal me to graduation ho jaati hai

[@jagdishkumawat2072]

Vedia chhota banaye

[@greateagle81]

स्वाती जी बहोत धन्यवाद. थोडा डरावना है लेकिन आपने आकाश से पटक के जमीन पे ला दिया सब व्हिवर्स को 😊

[@avadheshparmar7]

Bhai aap agar hinglish ki jagah koi ek language use kare to bahut achha rahega nhi to ye khichdi ban ja rha hai

[@rahamathkhan9566]

Retirement plan ke liye smallcap raksakte hai kya

[@shubhamsachan6419]

Bindass but time period at least 10 years.

[@ravibhatt2192]

ઈchalate he Ravi ke pas I m also Ravi😂

[@Fitkick45]

I am leaving this video, after seeing the host. His analysis is crap. If someone 40 h 45, and is spending 1 Lakh a month today, he/she is likely to have 24 Lakhs spends a month by the time he/she is 60. 33 times 24 Lakhs nearly 8 Crores of corpus in hand. It's like 100% of India's population is becoming Millionaires in Dollars terms. As on date, in India, less than 0.20% of the population are Dollar Millionaires. Globally, it is less than 3% of the World population. Even if you consider inflation of 6%, then though it would not be enough money to be a US Dollars Millionaire after 20 years, with 8 Crores, it will still be a hell lot of money. Even at 50% erosion in money's value (Not likely), he is saying that you would have 4 Croes ! Half a Millionaire. 100% of India.

[@panwardeepak79]

🤔🤔🤔🤔🤔👌👌👌👌👌👌

[@sanjaykiranbel6001]

क्या बोला कुछ समझ नहीं आया ,कोई tik thak bolne वाले होना चाहिए

[@jatinderarora4822]

Bawkas video

[@mohammedkamran2720]

33 years ka pura pesa fd mai q na rakhe ki har saal inflation bhi beat ho aur 30 saal Aram se nikal bhi jayen

[@Unknown15443]

Mam how to contact Ravi saraogi sir aapne to kuch nahi diya description me na unka number na mail id

[@BWealthy]

My bad! Sincere apology. If you would like to reach out to Samasthiti Advisors, you can drop a note using the link below - samasthiti.in/get-started/ Stay Blessed, Healthy & B Wealthy

[@Unknown15443]

@@BWealthy thanks 🙏