How to 'actually' plan retirement ft. Pattu

👉 Download Cred: app.cred.club/spQx/sfo4hmy3
👉 Guest: Dr M. Pattabiraman (Pattu) | ‪@pattufreefincal‬
👉 CRED Jagruk Talks S2 Playlist : • CRED Jagruk Talks Seas...
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📒 Chapters:
00:00 Introduction
03:48 What was your childhood like?
05:05 What was your early career like?
10:25 What were the challenges you faced while learning to invest?
13:21 How did you handle the 2008 crisis?
15:37 Do you think remembering your past days made you patient?
16:25 What is the story behind the FreeFinCal logo?
17:02 How do you manage risks?
18:18 People who have transformed you
22:02 What do you think is more important: Earning, Saving or Investing?
24:45 Your advice to people who experience long periods of no return
26:41 How do you rely on data to make your investment decisions?
30:56 Youngsters demanding a guarantee
33:20 Do you think guarantee means anything today?
40:20 What are your best and worst investments?
42:17 Why do you prefer less popular mutual funds?
44:31 Do funds with High AUM generate low returns?
46:59 How many funds should be included in a portfolio?
49:37 How do you manage your time?
53:19 Do IITM Students make the same mistakes as other people?
55:13 The impact of status-driven weddings
01:02:37 What's your advice to the listeners?
01:03:42 Advice for tough times
01:06:11 Why do people put all their eggs in one basket?
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Shot & Edited By: Rohan Agarwal
Presented By: Money-Minded Mandeep
#jagruktalks #cred #investing #stockstobuy

[@LabourLawAdvisor]

👉 Download Cred: app.cred.club/spQx/sfo4hmy3 CRED Jagruk Talks S2 Playlist : kzbin.info/aero/PL9DpKzAHkdgrBlbX_4c23_BMaCcotV6WJ Watch Episode 6: kzbin.info/www/bejne/bKbPhIxma9NsZpY

[@sourabhpatel2391]

I know ki mandeep bhaiya mujhse aur baaki audience se jyada jankaar aur jyada experience pr please aap apne guests k batein beech mai katna band kro. Is episode mai jab pattu sir bol rhe the inflation aur 19 yr olds are doing freelancing usme aapne beech mai hi unki baat kaat di. Yhi issue maine pichle episode mai bhi notice kiya jab wo PMS wale sir aaye the. Bhai aapse jankari lene k liye aapki videos dekhte hi h avi guests ko samay do. Aur ho sake toh hr episode k end mai poore episode ki ek summary de do. Just a feedback, don't take otherwise 🙏🏻🙏🏻🙏🏻

[@chiragagrawal6279]

Sir I have a doubt that If I do a job remotely for a company registered in a foreign country. And I sign an agreement then my rights will be according labour law of India or of foreign country (in which the company registered)?

[@aayushvaria]

@LabourLawAdvisor please make a video on the actual inflation or the expenses which're raised by 12 percent in detail.

[@tanmay6344]

Sir, I have signed an income share agreement with an institution but u want to leave the institute In that agreement they mentioned they teach from 9 am to 9 pm But they changed their time to 11 am to 11 pm this point can I break the ISA

[@AnkitKumar-ui7qz]

Sir ek query hai Agar mere pass total 50 policy (life cover endowment plan ki approx 4 lakh each ) to after death meri family ko 2 cr. Milenge kya???

[@anuj2202]

This is by far the best episode of all jagruk talks, both seasons included! Pattu Sir has such clear thoughts, and he articulates them so well… hats off to him!

[@noodle_hogger]

Such a humble person. Full of knowledge and passion. Far too underrated for the kind of content he has been putting out for years. Thanks for doing this.

[@LabourLawAdvisor]

Indeed he is a man with abundant knowledge, I too learned learned a lot

[@ankitagarwal4478]

Pattu sir is such a wonderful & simple man. His personality makes me remember one quote " Simple living & High Thinking". Love this interview

[@saibhargav1343]

Pattu sir is the true "genious" among the whole financial youtubers in india. Thanks for bringing him here.

[@saswatimajumdar2721]

I have shared this as soon as I saw Pattu sir and LLB, Sourabh Mukherjee and Pattu sir These two are gems of this industry…Thanks from Kolkata 🙏🏽

[@LabourLawAdvisor]

Hey saswati 😍 hie from jaipur.

[@clashfamily413]

@@LabourLawAdvisor so what

[@baijug1973]

pls if subramoney can be part of the show

[@nkrishnamys]

LLA .. you are doing elixir content in finance world. Keep Up the Good work

[@dudeddude6915]

@@LabourLawAdvisor Hi team LLA. I have watched your videos on investments and insurances. I still have a question for you. I want to ask you if you can advise me on how to invest to get guaranteed returns after 10 years from now. I don't need a lot of money but 20k-30k a month for another 10 years. This is for my parents retirement plan. Currently they are unemployed.

[@sunilwagh7098]

I am listening & reading Pattu Sir's content for 4+ yr. A genuine Gentlemen who tries to give good input....it was nice to see you both together....Hope more people do their own research after learning basic & be independent....Thanks for bringing this episode.

[@parvejsolkar123]

Hi, this is Pattu from freeFincal 😍😍😍😍😍 Thank you sir LLA pe ane ke liye...i hope more people will come to know Pattu sir and understand why he is less discovered

[@AlphaSierra380]

Pattu Sir is simply awesome. A very simple humble person. A big fan and admirer of Sir. 🙏

[@ojaschalke2656]

Thank You LLA - Jagruk Talks for creating this essential and informative content with the Humble Person Pattu Sir. I have shared this with my friends.

[@subhabratachoudhury]

29:40 I am happy that he mentioned this crucial thing. So stop seeing the past returns and invest blindly. What a video man. Great job LLA. Big fan of “Hi this is Pattu from FreeFinCal

[@kunalmaitreya9963]

Wow.. What a wonderful insight.. Following Pattu Sir since 7-8 yrs.. Learned a lot..LLA you are really doing wonderful job in these interviews.. Will love to hear from Ashal Jauhari in this platform.. And yes I shared this interview in my family group and friends groups too

[@pratyushdhoundiyal8837]

I absolutely love the content created by Pattu. Been following him for quite some time I always wondered about how such a brilliant content creator is not catching enough eyeballs on youtube, just because his videos are not catchy and glamorous. Thanks LLA for this, I sincerely hope more people know get to learn from Pattu.

[@arkabasu3505]

One of the best episodes..no noise ,simple honest knowledge..so diff in todays time👍

[@LabourLawAdvisor]

thank you, we booked a cafe during the early morning hours to shoot this one 😅😅

[@anujkumarsahu5371]

I've shared this video as soon as I've seen pattu sir's name. Also put it on my WhatsApp status...this is the best episode yet. thanks for this LLA

[@LabourLawAdvisor]

thanks, anuj 😍

[@shubhampasari7123]

Pattu Sir is absolutely the best. Have learned so much from him! Thank you sir for spreading knowledge to us.

[@rahulmrdsw]

This is by far the best episode I have watched! Thank you LLA! Pattu sir is so humble and simple and I swear I didn't skip a min in this vid.

[@pswolv]

This has been perhaps the Best episode so Far. So many unique insights. He is someone every retail investor can relate with Kudos LLA team

[@00Rainmaker00]

The quality of writing for this episode is inspirational. It got me thinking about my retirement plan.

[@abhishekroul]

I have shared it with my family group. It was awkward as no one posts this type of stuff in the group but have shared it anyways. Thanks a lot Mandeep for organizing such kinds of podcasts and thanks Pattu sir for the imparted valuable life lessons. Love you all. ❤️

[@kgsrikanth22]

I've been following Pattu sir for 3 years and he is one of the most underrated financial advisor and very honest which is his selling point! Thanks for the interview

[@atridixit1798]

I have happily shared all the episode of Jagrut talks with my friend. It is unarguably one of most sensible content amongst Indian KZbin-Podcast diaspora. Not only because of the finance related content, but also because I feel you guys respect the dignity of such esteemed guest and ask them relevant questions without sugarcoating for getting views and targeting to a specific audience. Thank you for this.

[@AB-xm2je]

Shared. I've been a fan of Pattu for a while. His clarity of thoughts is exceptional!

[@cannizzaro14]

You guys are doing Amazing job, hats off to you people. Unlike other KZbinrs whose content are based on buying Expensive Cars on loan and going to trips borrowing money just to gain Viewers. You are showing the real picture how a life should be lived. Thank you for being this.

[@nivruttichimane9535]

I had already shared all the episodes of this podcast with my friends. Special thanks to you and the LLA team who are doing this for the people who actually need it. All the best and keep doing and influencing people in the right way.

[@LabourLawAdvisor]

Thanks for sharing we will keep on delivering the same quality content for you all

[@rajeevnair2506]

Thank for bringing Mr. Pattu on the show. He is one of a kind. Inspiring.

[@hotices]

Pattu Sir is the real deal. This man is reason why I have financial stability and I am on the way to financial freedom.

[@raj50231]

Content made of Gold. Summed up so well. Indeed more Jagruk. Shared with friends and family. Cheers to many more such knowledgeable content !!

[@rohan2chris]

Thanks for this priceless content.... Loved this episode ... not shared it yet but will be sharing this with many people i know :) please keep up the good work!

[@vineethshankar.h6425]

I have shared the link with friends and family. This kind of long format content/podcasts are very helpful. I am hoping to see these kind of contents more in future also. Thank you LLA and Pattu Sir.

[@vibhanshubiswas8729]

this entire series is late for me. not too late but I can maybe still work my way up!!! thanks a lot!!! specially this one with Pattu sir it has been an eye opening one. I will share this family and friends.

[@raghavagrwl]

I am so happy that you brought him on. Always thought that he is under appreciated.

[@ankushdhawale4628]

For the past 1 month I am exploring and reading articles from Mr. Patti sir's freefincal websites.And now you made a video interviewing him, what a coincidence or destiny !! He is so ept and well versed in financial education that now you interviewed him here !!

[@praki82]

1:08:07 - Full of knowledge, thanks Pattu sir for sharing the knowledge. Thanks LLA for framing such beautiful questions.

[@ashokchaudhary7797]

You let your guests speak without interruption. Very rare on other channel. Best part about you

[@JayaSurya1711]

I loved the conversation. In fact i made notes of it. Keep doing such value adding content.

[@vigneshwar212]

One of the best episodes. Big fan of pattu sir's blog . Please invite Shankar Nath sir who is also an amazing personal finance content creator.

[@ganeshlakkaraju]

Brilliant! I came from the short to the full video. In fact, this is the first LLA long-form video I have watched.

[@shailesh6355]

This video gave me too much hope🙏 .... Thanks alot guys . If possible, Bring this type of content more

[@jitendrakumarmeena3826]

I have listen so many podcast so far but sir your content is way better then any other ....

[@PrashanthGiridharan]

As a long-term subscriber of Free Fincal I still had a lot of interest in listening to the conversation from start to finish. Goes against Pattu sir's policy of why havent we moved on from Free Fincal? A lot of times, great lessons gained through valuable experience are worth revisiting over and over again.

[@aayushsarna6508]

Love this episode, and have made a note of a few pointers that I will definitely work on. Thank you LLA.

[@Coolbusinessidea]

Happy to see my both favourite person in single frame. Learnt a lot from both of them... Thank you for this podcast...🙏🏻

[@tilakjavagal]

Thank you for the informative discussion ! This video is shared to the larger group of mine. Plz bring in more videos on how to handle generated corpus after retirement and strategies around it !!

[@harshita2023]

Thankyou so much sir for making such informative things in simple terms for youngsters like us! Loved this podcast and shared it to all my friends and family. Please Keep making such content..

[@RadeonArch2437]

Real genius, and most philosophical guide. Thanks Mandeep.

[@abhijeet8975]

The flow of interview is so nice, lots of learnings. Thanks for the video LLA and pattu sir.

[@ankurpal1626]

One of the best talk.. i have shared it with my friend because when i talk about the term end thing i always get the same response that don't be so much negative in life.

[@armanikumar6086]

good to see Pattu sir in a casual conversation. Thanks LLA fot the video 👍

[@subhrajitsarkar3222]

I always share Jagruk Talks videos with my friends. So many things to learn from these!

[@dr.amitpalkar]

Very few can articulate thoughts into clear words. That’s Pattu Sir! But no interview is enriching if the questions asked are not intelligent. Superb questions LLB! Especially the last one. Marriage expenses, debt payment, child rearing and education. Thanks for such a wonderful discussion 😊

[@jitendertaneja2269]

woderful talk bro , really appreciate your effort in identifying these type of personalities and asking all the pertinent questions on our behalf and of course shared with friends thanks a lot

[@amitkumarpraharaj1300]

Thank you so much for this episode. Eye opening tha. Kuch esi chise sunne Or janne ko mila jo pehle kabhi socha nhi tha. For example - negative compounding, think of the worst negative thing and act accordingly and many many more things. Hope to see such more content in future. Thanks Mandeep and LLA Team.

[@satish7919]

Its been an eye opener since i listened to pattu sir and subra. Both of these people are helping many people by throwing light with their knowledge in right direction.

[@KAUSTUBH447]

Absolutely loved the episode. I have been watching Pattu sir since 2019 and have gained valuable knowledge about investing since then. Obviously had to share this episode with my friends and in my family.

[@sagardubewar7060]

Loved this episode! Shared with friends and families :)

[@adityakothari2350]

Shared this further.... Huge respect for Pattu and to ur efforts. Chasing FIRE, and i get a lot of inspiration in my journey to achieve FIRE

[@ChiragShahklc]

Thank you so much for your efforts and making this video. Very informative. I shared it with my friends and I will share it with more and more people to whom I can. Thank you so much once again.

[@rjintu001]

Awesome episode.. lots of new thoughts, new insights rushing in.. Thank you LLA.

[@jewslikefunk]

Amazing that you got Pattu on board. Those who are part of Asan group and in the hardcore know what a legend he is!

[@ashimpathak5035]

Most based content yet! Loved it.. thank you for your effort in helping and guiding the common people..

[@MrUCTeja]

Great episode. Loved the discussion between the both of you..! Thanks a lot.

[@smrutiranjanpatra7660]

This podcast series is very informative and realistic. Thanks LLA team for all the content you create.🙏🙏

[@Tree.3]

Loved this episode! just shared with my friends and family :)

[@rushabhbarot703]

I have shared it :) loved this discussion and one of the best videos are on Insurance from LLB Thank you Team LLB, Lots of Love

[@rinashah2752]

So much I learnt from this episode. Thanks For such a wonderful informative video 🙏🏼 yeah and I shared it with all my dear one who needs to improve knowledge and understanding of finances like me.

[@pravinbali5970]

You guys are creating a library worth preserving for all times. Thank you so much for all your effort.

[@LabourLawAdvisor]

means a lot to us 💖

[@meri4339]

This was an eye opener... Very subtle and high value thoughts Thanks for interviewing him 🙏

[@surajsingla4439]

This is the first podcast that I ever saw and I am glad I choose this. :) Shared it with many :D

[@sarthak761]

Really informative video and it touched on very sensitive topics like wedding spending. I shared this video with my family and friends because it is showing a adult person who is IIT professor sharing knowledge which we as 25 year olds are unable to convince those uncle's and aunties to diversify and real estate or LIC is not everything in life and also term insurance is not waste of money (premiums). Thank you for this video.

[@deepanshuarorashorts]

Listening this kind of podcast definitely teach us many things, infact they are better than watching a movie, if you really want to grow in life.

[@apineaa]

Wonderful Interview with the perfect advisor. Thank you Pattu Sir and LLA for such great insight.

[@mangalvishal007]

Loved the video. Firstly as always content was very informative, secondly the most simple and understandable way this communication was done. Third and above all the simplicity in personality and thoughts shared by the participants, that truly reflected the nature of a common man like most of us.

[@shubhamsinghpatel9288]

Sir i have been active investor since 2017 and i have studied many things about mutual fund but this paatu sir taught me the whole life lession regarding investing and spending Thnku pattu sir and this channel 🙏🙏🙏🙏

[@sairules23]

One of the best video about investing. So much useful content and so much food for thought !!!

[@harvinder84]

I shared this interview in my family / friends groups.

[@sreerajr4800]

Thank you for bringing Pattu sir He’s is the only genuine personal Financial guru in KZbin

[@minininjalive.9210]

I shared with my friends.....ur doing great things Educating peoples thank u

[@jijothomas19]

I have shared this in my circle and thanks for this great effort.

[@amanpriy7441]

Shared it @LLA!!! One of the best finance videos I have seen till date... Kudos to Pattu Sir👏

[@dannyphantom8428]

Sir first of all thanks for this wonderful podcast, i have watched full video without skipped it with full concentration and i learnt lots of things. And sorry for not sharing the video cuz in my circle nobody is serious for their life and investing so, i don't shared it with them. But sir I really appreciated your work cuz you did a great job. And you are such an inspiration for me. I wish someday I met you and make an podcast or a video with you on about career, investment and managing personal life. Thanks a lot sir.

[@Vishaal2.0]

Hii... Mandeeep, i am watching your episodes and regularly sharing it with my friends and colleagues. This episode has gained more importance amongest us being Government employees in view of the recent EPS Judgement of the Hon'ble Supreme Court of India. Requested to have one such episode exclusively on EPS for Govt. Employees.

[@legoinsan]

Finally two of my top financial educators together!!!

[@sahilGupta217]

Amazing episode. Thanks for the series. 😊

[@sidtotore]

one of the OG financial influencer . underrated. great choice of guest. interview subramoney as well

[@MrSatadal]

Big Fan of Pattu sir & Freefincal

[@rashmilouis79]

Hats off to your sincere effort to get to us the views of Pattu Sir.... Indebted! I am speechless... having seen the contents in freefincal...

[@spiritedlearner7143]

I shared this in my friend's group but they didn't bother to watch. So now I'm sharing clips and now one of them got interested.

[@maazblue007]

Need clarity like how Pattu sir has in his life.... it was amazing to listen his journey

[@ckthecool]

Thank you so much. It was a really nice session. I have shared it with my friends who have started their investing journey. Good to see Pattu sir. Subra sir's reference in the discussion was a surprised element for me. I know him personally but sadly at that time I didn't start my investment journey so didn't get a chance to leverage the benefit of his expertise. I thoroughly enjoyed the session. Thank you once again for making this.

[@akshadabhujbal8089]

Such a wonderful person, thoughts and discussion. I have shared this to what's app status already

[@srkntksm]

This video changed my life.. thank you Pattu sir and LLA Team .. can't thank enough

[@saurabhpal7053]

Fabulous session....the whole series of jagruk talks is commendable.... Team #LLA keep it up.....❤️

[@dhrubajyotidatta3793]

I can connect with Mandeep so much. It is like a taboo to talk about unfortunate things. As if we don't talk about death or accident or even divorce, it won't/can't happen. Life is full of surprises, you never know what is gonna happen. Peaceful life needs lower amount of uncertainty that requires two things, rational explanation and preparation for unfortunate things. If you don't even want to think about an accident, how you will think to minimise the risk of accident and act upon it.!!

[@nikhilsharma1294]

Great advice and insights... Shared in multiple groups and with multiple people...

[@anmolrameshkumar]

Loved this episode really so much!! Love from Chennai ❤️ Mandeep. Wish I could meet Pattu Sir some day. This episode changed my thought processes. 😊👍🏻

[@ashwinijois3857]

very nice to hear from a person who learn finance for everyday life n future, because even i started doing this fearing my retirement. theinfo how he got till here is inspiring n education for us here.

[@vishalmainkar3127]

Very excellent initiative by you...all are great personalities and the way you managing all of this hats off to you bro 👍... Keep rocking 💐💐

[@akshayharjai]

Thanks LLA. Lot of learnings. Shared ahead with friends and family.

[@adv.prateekgarg7471]

Loved this episode .... literally fell in love with the politeness of Putthu Sir.

[@YogeshBohara09]

Shared this to my known circle, very informative and helpful. Thankyou.