Investing in 30's and 40's (தமிழ்)

[@InvestmentInsightsTamil]

Related Episodes: Equity Portfolio: kzbin.info/www/bejne/gZWmpGZ7jKx9rLM Life Insurance: kzbin.info/www/bejne/fKuwoHafmM6Ymac Handling Debt: kzbin.info/www/bejne/oIanYmScm9uDeKM Pay Off Debt or Invest: kzbin.info/www/bejne/gYvWmnuuiK-imcU Financial Planning: kzbin.info/www/bejne/nZ7TmXWFgc-qmbM Building Wealth Series: kzbin.info/aero/PL0g8QXs4hyCU36k9b9aZMG4C8OrRTHl35 Index Fund Investing: kzbin.info/www/bejne/iJ-loYNjoa2Bndk Risks in Index fund investing: kzbin.info/www/bejne/a2SsYYtqaLWijbM Asset Allocation: kzbin.info/www/bejne/hIOzhGWZhc-hq5Y

[@reeloreels]

Hello sir.. I'm 37 now. planning to sell my land, which is my investment right from 21 yrs. and investing the same in stocks market. My view is to invest in NIFTY 100 companies (All 100 companies by equally dividing the amount). And doing a trading from a part amount in nifty index and the same will be jnvested in nifty index funds. Is this a good decision?? because I'm really confused. pls give your suggestion.

[@Nitharshantheachiever]

M

[@vijayu707]

My humble suggestion for people in mid 30s and 40s, 1) Invest as per VIJAY MOHAN and other experts advice 2) Have a passion ( other than job and more than hobby, if it is creating income thats a plus) 3) Dont lose friends. Remember you are going to have costly watches and less/no friends, I mean no time for friends. Its difficult to create a new friendship at 40s 4) EXERCISE, make your body move and SWEAT, else body will complain very soon and you cannot avoid 5) READ MORE BOOKS OF YOUR INTEREST 6) Have a separate fund, so that you can TRAVEL (MARS, MANAMADURAI, MANHATTAN, anywhere!!!) 7) Last thing: you dont have to prove anyone. You are already a WINNER!!!

[@GSPropertyWorld]

Yaar sir neenga...!!!! I like ur words..keep rocking

[@gokul2555]

Adding few more: 7 Try to avoid stress and overthink.(do meditation) 8 set the expectations low

[@lakshmanans1681]

Thanks Sir

[@InvestmentInsightsTamil]

👏🏽

[@Rams_23]

Hello Vijay Sir, After seeing your videos I have closed all my debt and cut down all my credit card usages, Your advise is commendable and practically possible... I have taken term insurance too, Next target is Emergency fund savings.. Keep rocking Sir.. Edit after 3 month... No credit card usage.. First saving next expenses.. Automate your savings.. Forecast next month plan. Bought a note book for daily expenses tracking.. Emergency fund is growing.... Fix your goal and keep consistent .... anything possible.. Thank you vijay sir for your support💪..

[@ptj1ptj172]

I turned 40 recently, and have just confirmed my participation for a half marathon (21.1 k), aiming to go under 1:50 hr, beating my PB of 1:54:25 hrs. This motivates me to do regular exercise, eat properly and I automatically inspire my kids, who see me doing regular workouts. Infact my 3 yr old son lifted a 1kg dumbbell the other day just to imitate me :) I don't earn much, but I consider myself very wealthy, as my mantra is "Health is Wealth, and Time is Money"

[@InvestmentInsightsTamil]

👏🏽

[@Mr007Gautham]

Awesome Vijay. Was missing your video for past couple of weeks. And you came up with a subject worth the wait. 😊 just like Vikram movie. My two cents Follow the concept of wants and needs for any expense, especially making your family also follow it. Focus on personal development including health Relationship and maintaining good friends Avoiding negativity and unwanted stress Have family time and your alone time to enjoy what you want; within limits 😉

[@InvestmentInsightsTamil]

Arumai.👏🏽

[@guruparan7510]

Thanks sir for this video ... I have requested last time ... dint expect to have this so promptly ... it shows how you respect your channel viewers 🙏 so glad

[@gowthamkanakasabapathy2540]

Well said! I’m just entering 30’s and glad that I have started to follow your channel just before making impulse purchases 2 years ago. Suggestion: Although compound interest was stressed multiple times, I would encourage people to install an app for compound interest calculator and run the numbers before making any large purchases with few hundred differences. Your $400 extra car payment is $31,632 after 5 years @10% return. This is keeping me from not buying Tesla and driving Honda😬

[@ganesanramaiah1]

Thank you very much Vijay Sir! This excel is very useful to plan.🙏🏻🙏🏻🙏🏻your work is way beyond a Charity!

[@aneeshselvan2190]

Teacher ... students waiting for your voice...put into one video in a week

[@vinothkumar-dd4qu]

நன்றி ஐயா உங்க தகவல் அனைத்தும் மிகவும் உபயோகமானதாக உள்ளது நன்றி

[@satheesh1624]

என் வயது(35) ஆண்களே ... ஓவர் நைட்ல ஒபாமா ஆக முடியாது. முடிந்தவரை சேமியுங்கள். நம் பிள்ளைகளை நன்றாக படிக்க வையுங்கள். சேமிப்பு இல்லை என்று கவலை பட வேண்டாம்.

[@pilliyarvenkatesan3372]

Sir naan ungal intro ku adimai❤

[@saravanakumarshanmuganatha4439]

Vijay, excellent information! 👌

[@arigutman]

Whether you're in your 30s or 40s, you still have time on your side so it is still worthwhile to be taking advantage of market volatility and shopping within the market for discounted stock opportunities...

[@Chandala_bhikshuki]

We can handle it ourself .. no need of middle men

[@vigneshkannan4294]

Mall, cinema, biriyani:D

[@rakeshpipada]

agha video for people earning morethan 80,000 per month if people earing 20,000 not for u but you can invest what ever you have

[@balajivadhyar9656]

Fii holding in india 70% Dii holding 30% Dii control market in india in future Your view please

[@sathyaabn2406]

Wonderful explanation 👏👏

[@johnkamal2112]

Thanks for this video sir. We have been waiting for this topic

[@Rpradeen]

Vpf is one way contribute.but now afraid about government policy.

[@visvanathan5404]

My idea.. Learn financial literacy and becoming own fund manager.. 😀

[@imranimran730]

I Was missing your video for few weeks. And you came up with a Good Subject...you explained my current needed clearly :) ...Whenever i needed some idea on some topics, you are coming with the same topics videos ;)

[@prabhus3737]

ஐய்யா வணக்கம்.!! நான் உங்களின் அனைத்து வீடியோவும் பார்த்து பயனடைந்து இருக்கிறேன். ஒரு வேண்டுகோள் , நீங்கள் வாரத்தில் ஒரு வீடியோ அல்லது மாதத்தில இரண்டு வீடியோ போடவும். நன்றி 🙏🙏🙏

[@subbus4567]

Your talk is very inspiring sir, we have downloaded FIRE file, working to reach it. Sir, please suggest... I am investing in the following plans: 1. Post office RD 10000 pm (started June 2019, 7.2% interest then, planning to extend 5 more years to avail same ROI) 2. PPF, 1,50,000 PA 3. NPS, 2400 PM EMPLOYER CONTRIBUTES + 5000 PM SELF CONTRIBUTION = 7400 pm 4. EpF 9000 pm (salary deduct + employer) RoI 8.1% My target to have a corpus of 4 cr at 60 years of age. Now I am 38. How much should I invest in index fund via SIP to reach my target. Kindly suggest...I am sure Your reply will be useful to other viewers as well.

[@duraipandi264]

first start SIP 1K pm, then increase 1K post year till you can.

[@suba6873]

Good Info and Guidance. Thank you

[@trendpost5152]

Anna unka video speed 1.75 * vachu kekuren...pakkava iruku ..

[@VijayaBaskarvvk]

I am a huge admirer of your knowledge...!!

[@InvestmentInsightsTamil]

Thank You 🙏🏽

[@radhikah6167]

Sir do you think we are sliding towards a big recession? How can we balance or manage a recession period?

[@InvestmentInsightsTamil]

Don't know. But when things we like go on sale, we should try to load up more on that. Yeah, we can definitely rebalance to have same equity exposure % as before.

[@saravananbaskaran5242]

V

[@saravananbaskaran5242]

Ggg1g

[@FedoraWorld]

Thank you share for good lessons.

[@chandraprakashmc7741]

For safe drive from mid 30s we can stop exploring this in career and start focusing on the once which we tried and came good to build it further. It's just my point of view and open to Expects can revisit this statement please.

[@TalesofDe]

Vadivelu comedy than varuthu "Poova smell panathana da vanga soluva na smelle panalana" 🤣🤣🤣 kadan vangu vanguuuu ethana per savadikiranga! Thank you very much for your advise.

[@LakshminarayananRengarajan]

Hi Vijay - Episode on REIT and how to choose a good one will help . Thanks

[@BabusiRRR]

Thank you nga sir

[@unknowns99]

awesome as usual 👍

[@yovantensingh4288]

Investment ke kasu kammiya irukku ithula enga term insurance and health insurance podrathu.

[@abubuckerafsal6591]

Useful information sir...Thank you...You have listed options for investing in nifty 50 like uti in your old videos...Would like to get your options for investing in debt funds...

[@impresivenglish]

Goood video sir.. But romba technical words a iruku.. Pls for non commerce people like me..

[@arunkumars9452]

Useful information sir

[@thankaperumal9785]

Sir, 55-வயது, 35- லட்சம் கடன், (வீடு கட்டும் கடன் 24- லட்சம், தனி நபர் கடன் 4 - லட்சம், LIC Loan 2 - லட்சம்) அரசு பணி சம்பளம் 50. ஆயிரம், ஓய்வு 2030-ல் நான் ஒரு PH Holder, இந்த கடனை தீர்க்க வழி தெரிவித்தால் பேருதவியாக இருக்கும்...... Sir

[@InvestmentInsightsTamil]

Handling Debt: kzbin.info/www/bejne/oIanYmScm9uDeKM

[@ramvigneshg3019]

Options market epdi work aguthu nu video podunga sir . . .

[@Dr.P.Manivannan]

Thank you sir for my request 30s vedio

[@skn152]

Hi sir please make a video on SWP for regular income creation

[@venkateshv529]

25-40 aged people oda parants ah pathuka financial ah enna plan panlam

[@chinnaadurai4193]

Excellent sir 🙏

[@jayabalrajkumar1470]

Hi sir good videos all good. Can u make one video for me retirement @ 45 to 50. Iam NRI my age 39 now .

[@mohankumardoraiswamy6218]

Hello sir, Why do you want to reduce the equity percentage when we age up? Thanks for the insights 😊

[@vmn84]

Vijay - I'm a fan of your video. Can you make a video on this HELOC vs paying extra money towards the mortgage payments as I know in one of the video you said for the peace of mind you and your wife thought to pay down the mortgage faster and how you did ? did you use HELOC. i have seen multiple video and it is very confusing and as usual when you do you would be doing an excel sheet and we can play around with our mortgage and interest rate values. This would be really interesting for the new homeowners like me. thanks and expecting a video soon on this.

[@nichuvk2415]

Its pretty simple...you don't have to complicate things....Just do pre-payments as much as possible within the 5 years to avoid paying large interest towards your home loan.... Don't even think about other investment options during the first 5 years of tenure because no investment could benefit you when compared to doing pre-payments towards your home loan in the first 5 years... After the first 5 years the interest you are paying towards your home loan is substantially less and so you could consider doing other investments which can easily beat your home loan interest rates

[@prakashganesh7736]

Thanks 😊

[@muthuraja2755]

in india for youngster more 20LPA within 40 age tough !

[@srinaga1975]

Very good video

[@ExploreV]

Can please explain about PDT rule ??

[@nanban2000]

Thank you sir 🙏🙏🙏

[@DineshKs]

I'm 25 and a new investor..invested in index funds and some well known stocks..first time experiencing bear.. although it's very heart breaking to see our portfolio in red..hoping one day it will turn green..some advice for the first time investors during this period.. because these money wasn't earned easy

[@InvestmentInsightsTamil]

You will know how to handle this situation if you are following this channel closely. Just stay calm and stay invested. If possible, invest more as everything is on sale now.

[@Ravikumar-iv2xe]

Vanakkam sir super

[@chandrutimes2131]

Thank u so much sir❤️❤️

[@joybvictor]

Any recommendations for good financial planner ?

[@InvestmentInsightsTamil]

Fee Only Planners: www.feeonlyindia.com/list-of-fee-only-planners

[@jegadeeshvk9927]

Sir, Ur somewhat resembles with “Breaking Bad - Gus” 😝

[@InvestmentInsightsTamil]

🤣 I do run a fried chicken fast food chain 😜 j/k.

[@sathisheie]

Sir please talk about Neomax and centrio group real estate company They are given 24% returns for the investments

[@InvestmentInsightsTamil]

Sorry, I have no idea about them. No comments.

[@vpyogaraj]

Nice sir...

[@subbus4567]

In India, which plan gives 10% return with no risk or very minimum risk

[@arunchakkaravarthi9554]

Super

[@kvisu2000]

Thanks Vijay, very good insights. When it comes to savings rate, should we calculate based on pre-tax income or post-tax take home?

[@InvestmentInsightsTamil]

Post tax take home.

[@karthickchandra9540]

Hi sir good morning, Recently view your Index fund videos this market situation very down anyway index fund correct buying time tell me sir,index investment step by step live or video need most of the beginners useful best wishes. And suggestions for our index investment apps . thankyou sir

[@InvestmentInsightsTamil]

We cannot predict market movement. But it is definitely cheap to buy now compared to buying in the beginning of the year.

[@satyaswaroopc5865]

Sir can you make video on Nps, if it's good or bad and about nps as tax saver

[@ItzMe191]

Anna, please talk about robinhood deposit 5.75APY plan. Is it worth depositing?

[@satyaswaroopc5865]

Sir, great video and thank you for the Excel working. On investment do we need to consider the regular savings like EPF etc or you are referring only for equity market. Depending on % we expect returns

[@InvestmentInsightsTamil]

All savings included.

[@satyaswaroopc5865]

Guru for all, thank you sir

[@kalpanaramanan3089]

Amazing content I am On my 30’s and can you make a video about ULIP plans in India…is it good for long term ?

[@InvestmentInsightsTamil]

Not really. You are better off with a Term Insurance and an Index fund. Watch this to understand why: kzbin.info/www/bejne/fKuwoHafmM6Ymac

[@seenisanjay]

Iam 13 i already investment in stocks how can i invest in bonds

[@knowtheright9947]

Super keep it up

[@saran6514]

👍

[@seenisanjay]

Thanks

[@KiranKumarAshok]

I missed those days , I was watching pokimon when 13 , learn about tax early as well , very important

[@seenisanjay]

Are you invested in stocks anna

[@dennishd848]

Sir, Please advise, is it adviseable to buy Riders with Term Insurance

[@shyam2899]

sir what about parents protection...?

[@InvestmentInsightsTamil]

Oh yeah. That goes without saying.

[@chandraprakashmc7741]

Sir my sister has a lumpsome amount of 7L. She is 36now her son is 8yrs. How she can invest this money for good inflation beat investment... Atleast for 10yrs she doesn't need this money. Pls give us valuable suggestions 🙏!

[@InvestmentInsightsTamil]

My recommendation is in Children Education savings episode: kzbin.info/www/bejne/jH6vfKtqfbSKrJI

[@anishl7796]

#engine 🤣🤍🤍

[@BhupenderSingh-to3nk]

Can we have this in English as well?

[@InvestmentInsightsTamil]

Subtitles didn't help? I am running short on time to create both English and Tamil channels.

[@manivannandharmaraj5192]

Hi sir, I have query, just to understand that how the profit works? Is it good to buy low pice stocks with High quality than High price stocks with less quantities? Becus qty*pice increase is equal profit. Pls correct me if my understanding is wrong.. I remember you gave perfect example for this in one of your video.. i couldn't find them.

[@VinothKumar-lz9kx]

Hi Sir, normal MF in grow app and ELSS funds difference explain panunga.. How to find elss funds?

[@irulappansuruli4992]

Sir, I would like to invest in bond,. may kindly advise me which company bond is beneficial and secured one.

[@InvestmentInsightsTamil]

There is no reason to invest in a specific bond when you can invest in a debt fund that has a collection of bonds of your interest.

[@vijisubi8928]

🙏🙏🙏

[@dhivyaloga]

Hi sir, can you suggest me any online courses for learning share market? It will helpful to learn market and funds.

[@InvestmentInsightsTamil]

Start with all the episodes in this channel. Watch it in the order it was published.

[@GabrielleVile]

Text me on Whatsapp for more information and guide ☝️☝️

[@srisaran5234]

🙏

[@hobbiesreturns4092]

Please suggest - I bought nifty index mutual fund lumpsum at 16350 during march. Should i exit now and buy at dip? Or wait? Invested for long term..

[@InvestmentInsightsTamil]

Always stay invested for long term. Timing the market is impossible.

[@hobbiesreturns4092]

@@InvestmentInsightsTamil Thank you very much sir

[@mannaikolangal4153]

MBA HR job opportunities USA la unda ...value ah ..... HR job US kadaika ena exam eluthanum....

[@InvestmentInsightsTamil]

I am not really that familiar with HR jobs. Sorry.

[@sundarmeha]

I missed investing in 20s in usa. I did not know about ira, roth ira and index funds untill I saw your channel. Now to catch up the yearly limit I missed in IRA/ROTH IRA, can you please let know what options do I have? 401k I am already contributing but i wanted to invest more than that with what i have now to make use of the current market situation

[@InvestmentInsightsTamil]

There is no way to catch up for past missed ones. But try to max out your tax savings going forward as I suggested in kzbin.info/www/bejne/pHq4qZmJjaqXfrM

[@sundarmeha]

@@InvestmentInsightsTamil Thank you for the reply. Keep it up. I saw you are also from my school too. Very happy you are sharing your knowledge to everyone. I am sharing your videos to whom i know

[@InvestmentInsightsTamil]

Rose Mary?

[@sundarmeha]

@@InvestmentInsightsTamil yes :) I am 2003 batch my bro is 97/98 batch

[@naveenkumarthandayuthabani8357]

Sir nifty 50 epo recover agum,

[@InvestmentInsightsTamil]

Market a time panna mudiyuma?

[@sdrajendra8999]

For the people in India, we save money in our PF account by default so if you say save 30% of the salary should that include the PF/NPS too ?

[@InvestmentInsightsTamil]

Yes. All savings included.

[@gbmagesh1523]

Paper goldla investment panlama sir

[@GabrielleVile]

Text me on Whatsapp for more information and guide ☝️☝️

[@Somewhere_In_Planet]

Hi Sir, As same new to share market and did mistakes in selecting stocks.Please give your suggestion on the below. Which one is better example 10k SIP getting stocks or in mutual fund? for long term

[@InvestmentInsightsTamil]

If you already know that you are not picking good stocks, go for index fund.

[@47yamini]

Sir, I m a working woman in my early 30 who after seeing some helpful videos wanted to start planning to my future safe so invested in nps so far. I am also looking for taking an life insurance along with some other good investment options. I m professionally driven person but would also take into considerations some of the points like i am not major bread winner of the family but me and my spouse supports equally but i m worried if i opt for too many options and suddenly had to take break from work for maternity or some health alignments and put all the burden on other person to pay premiums and contributions kindly guide.

[@InvestmentInsightsTamil]

My suggestion would be to work and save your earnings and invest. Do not spend that for your life style upgrade. Doing that will protect you from any unprecedented job loss on your side.

[@manikandanchella651]

Sir,in 30 savings,does the home loan include?

[@InvestmentInsightsTamil]

If you get rent from the home, that can be considered as income. But paying principal and interest on a loan would be expenses, not savings.

[@dmgry]

Sir, I have a doubt in yearly salary hike. Is it the percentage hike of gross annual income from salary or the percentage hike in monthly salary ? Because I am getting negative values when considering my actual monthly salary hike of just 3%. But positive values when considering gross annual income from salary which is at 8%. So am worried what to take and how much to save depending on this. Please guide. Thanks.

[@gokulkrishnan9324]

Sir can I invest in gilt fund? I want to have one fund atleast which has no risk..I already have SIPs in UTI nifty index fund,Canara robeco small cap,parag Parikh flexi cap.

[@InvestmentInsightsTamil]

Sure.

[@sureshkumar-kv9tm]

Hi sir nan oru nre Dubai la work panra monthly 1.5 lakh vachu 2 baby name la post office plan podura .ennoda name 5k vachu rd podura Appa name 10k rd la invest panra wife name 3000 mutual fund la podura ithellam oru Nalla investment ah Nalla savings ah ithula ethum change pannanuma thanks for Ur advance reply thanks sir.

[@gunagohan9561]

1.5 lakhs a year for 14 years and maturity period of 21 years will definitely generate good wealth for each child. There will be a marginal difference as people would say that stocks would out perform post office SSA. But they tend to forget that SSA returns are tax free while stocks and mutual funds returns will attract tax, needs involvement, brokerage fee etc.,

[@TalesofDe]

For 10 years plan 60 percentage equity (50% nifty and 50% next nifty is it fine?) 40% debts la investment panalam iruken yearly rebalancing pana poren. 10 years ku two index fund la invest panalama ila one pothuma?

[@InvestmentInsightsTamil]

Totally personal choice. But your plan looks good to me.

[@TalesofDe]

@@InvestmentInsightsTamil thanks 😊

[@prabagaran.s1285]

👏👏👏👏👌👌👌👍👍

[@saravanakumarmarimuthu9768]

Hi Sir Saravan here. Your videos are useful and informative. Thankyou I have plan to buy house I. Texas is this good time to buy? can I talk to you? If you have time and permission If so do share details to reach you

[@InvestmentInsightsTamil]

Do not wait for a good time to buy a house. It is more emotional than financial. If you can afford at Today's price, go ahead and buy it. Do not see that as an investment. See it as an utility that serves our purpose.

[@saravanakumarmarimuthu9768]

@@InvestmentInsightsTamil Thankyou sir

[@GabrielleVile]

Text me on Whatsapp for more information and guide ☝️☝️

[@niveditya]

Mall, cinema, biriyani 🤣

[@jiya2907]

அவுரு தமிழ்ல தானே பேசறான் இங்கிலீஷ்ல பொறந்து வாழந்த மாதிரி இங்கிலீஷ்ல கமெண்ட் பண்றது புரியாதவர்களுக்கு

[@jayakumarb3371]

Thailavare ungala than edhirparthen… Ungala parthu US index market la invest pannen through motilal oswal .. en ketta Neram more than 30 percentage down . I can’t do average also… please give me any suggestion

[@InvestmentInsightsTamil]

As long as you are invested for long term, do not worry about short term movements. Stay invested.

[@subaschinni2255]

Hi sir, I have a query on taking Term Life Insurance. I'm 25years old right now, considering I'm opting for a term life insurance of 1 Crore. Considering the inflation rate of 5% in the upcoming years the value of my sum assured will reduce to half within 15 years. In this case is still does term insurance serve the purpose? Correct me if I'm wrong.

[@race6235]

Hi, I agree with your point on Inflation rate. But Term Insurance is only meant for Security purposes , if anything happens our family will not get affected because of financial issue. In this point we will not to focus on next 15 years landing figure. We don't know what will happen tomorrow.

[@subaschinni2255]

@@race6235 Thanks bro. Got your point

[@satheesh1624]

If you earn next 15 to 20 years , ur family economically will settle . So

[@manikandanchella651]

Sir , in 30% savings,does the home loan EMI include?

[@ptj1ptj172]

nope, expenses include all, right from EMI to daily cigarettes'.

[@manikandanchella651]

@@ptj1ptj172 ok sir😥

[@reenadevi4507]

My salary is 25k, I'm a single parent 2kids,please share excel for low income people.