WHAT IS THE BEST RETIREMENT INCOME STRATEGY ?

[@dennykurian]

Excellent video sir. Thanks for your excellent work.

[@NRIMoneyClinic]

You are most welcome. Please subscribe and keep sharing the videos

[@laxminarainkhanna7930]

Very nice video.Useful tips for retirement planning. 🙏

[@profvenkataramanikrishnamu1710]

Are SIP good for investment?

[@oliviageorge291]

@@NRIMoneyClinic w us to w my mom w my mom is the only

[@kripasingh7115]

@@laxminarainkhanna7930 aqq

[@gkm202]

The govt must be sympathetic and somewhat Lineatnt towards senior citizens. It should not put any tax on interest earned by seniors on their savings in banks.

[@gigglypuff3589]

I’ll tell you the biggest problem with rental is that in India you can get a litigant tenant who can sit in your house without paying you rent and you need to go behind a lawyer to evict them. Also getting good tenants is based on luck.

[@NaNa-lt1po]

How about, new tenant every 2-3 yrs

[@syedimtiazabbashussain4913]

You are right. A friend of mine said he did not visited his rented flat since more than 10 years. On reply he said tenant is rowdy etc. I kept my flat vacant for 8 years and live in peace by avoiding many offer which were of high risk.

[@ksquareonline2836]

@@NaNa-lt1po If you do due diligence on your tenant then no problem

[@ksquareonline2836]

Always do through due diligence on your tenant

[@natarajanravi6973]

​@@syedimtiazabbashussain4913

[@unbreakblewarrior6123]

One of the most interesting and extremely knowledgeable videos on KZbin , i highly appreciate your time and support to help all viewers, God bless you immensely i pray Bhat Maam , all the best.

[@ramaprasadmanda5169]

Very clear and simple explanation. Thank you very much. The take home message is to have 4 streams, viz., Rental Real Estate, Mutual Funds, FDs & Pension Fund.

[@basantrath6684]

This is really transforming viewers' way of thinking.This kind of discussion will certainly stand as a safeguard in retired life.Please keep it up.

[@vijayaraghavang5112]

One of the negatives of rental real estate in India is that the law is not helpful to the owner in case the tenant defaults on rent or refuses to vacate. It is very difficult and expensive for anyone, especially a senior citizen to get timely justice.

[@muralikrishnanayyappan6513]

Good to know these Insurance schemes are not a scam !! Thank you

[@5966ramesh]

Great video sir. Thank you. I have taken early retirement last August. I have done almost everything you have mentioned. This video is a real refresher to me. Thanks again.

[@NRIMoneyClinic]

Keep it up. Please subscribe and keep sharing the videos

[@muralikrishnachukkala9733]

Very good video. Just one comment sir. You mentioned some risks involved in rental real estate. One more risk is if we get a bad tenant who is problematic person. You will loose peace of mind

[@rajagopalchellam4651]

U R right.one thing I would like to advice the youngsters the day you are getting appointment letter for a job,your planning for retirement years too simultaneously start.Therefore planned expenses, savings for future will definitely take care of your living years after RETIREMENT.

[@ksquareonline2836]

Well presented Retirement Strategy

[@anandp4160]

In addition to rental income, the house that the person is staying can also be reverse mortgaged. As the monthly amt he gets is NOT considered as income, it is tax free. The house can continue to be occupied by the spouse even after the demise of the person. Anand Pendharkar

[@sundareshks]

👌

[@stockmarketnewsUpdate]

Sorry for my ignorance sir, what is reversed mortgage ? I have a small house with my family, how it can be mortgage? Even when we are staying with limited space.

[@sangitasheth4019]

It's too good for all...u covered all plans that every investmenter thinking ....

[@malleshaiahsn5097]

Thanks for your analysis about retired people. contents of the video are amazing .I am retired in 2012 . Thanks again.

[@ravindramahajan8105]

Good information, explained in very simple language. Without using jargons. Highly appreciate the advice. Thanks.

[@msm1959]

Sir, very important topic taken up for retiring persons. However please also cover Reverse Mortgage for Retired persons owning a property

[@arunpandey9726]

I wish, I had this information before my retirement.

[@SrikanthPRABHA7]

Sir I can listen to you all day. Thank you 🙏

[@rachelninan9074]

Why dont you marry him. Can I listen all day?>

[@SrikanthPRABHA7]

@@rachelninan9074 bad joke

[@NRIMoneyClinic]

@Rachel Ninan , Why should you be jealous?

[@vijaygautam1406]

NPS could have been a good solution for retirement, but needs some improvement for becoming so. At present, 60% of the corpus can be withdrawn tax free, while an annuity has to be purchased from remaining 40%, from an insurance company that is empaneled under NPS. Since the pension from this annuity is not inflation adjusted, it will not cover expenses after a few years (even if it does during initial years). The best thing is an inflation indexed annuity, with the annuity funds invested in some kind of target date fund that invests in liquid fund and equity portfolio, and rebalances every year.

[@linuskyando4155]

Iam 3 years back to retire, using your knowledge iam sure I will beat the inflation by investing on Real estate and Fds

[@MINATOYELLOWFLSH2005]

Consider Invits and reits in your portfolio as well.

[@SankaraNarayananKailasam]

Excellent stuff. Very nicely articulated. well done sir 👍

[@certified4mahtab]

Good day sir, At Age 35, what should be a proper Ratio we need to invest for our retirement. ?? It should be less or more?? Or we need to build multiple mutual funds for age 60, age 70 age 80.

[@rentospropertymanagementso4895]

Rental income plans are truly amazing as you explained. Thank you for sharing.

[@NRIMoneyClinic]

Yes they are!Please subscribe and keep sharing the videos

[@jasandroidphone3820]

You should go for a government servant as tenant for your flats , for a stable rental income . also after a longer duration you can offer the tenant a buyback offer of the flat at a good price , as it has already become a HOME for the tenant . Wishing best to have a golden retirement years .

[@rajeevchandakutty9179]

Super presentation 👌 👏 Thank you

[@kksirclass9and10]

My retirement is in 2025. I will take your help.

[@aafrinrahaman3193]

Retirement plans 1 rental real estate 2 well constructed mutual fund portfolio 3 fixed deposit 4 pension and guareented income plan insurance Others Dividends Post office scheme RBI bonds

[@noelpereira1294]

Good investment guidance Thanks

[@StopBeingSoldMedia]

Fabulous video. Keep up the good work!

[@phanindratenneti7027]

Long story short and straight to the point

[@sivaprasad1717]

Thanks for your hard work and presentation skills are very good.

[@NRIMoneyClinic]

Thank you for your feedback . Please subscribe and keep sharing the videos

[@SambathikaChinthakal]

It would be much easy to do a job at old age than managing a tenant. They don't maintain the house, raise complaint about many facilities of house every now and then, use all tactics to resist increasing rent, may leave house on a short notice etc. etc. At very old age, when we migrate to our children's place, it will become very difficult to manage tenants from a remote place. Sitting at Mumbai, what can we do if tenant don't deposit rent for a house at Kerala in one month? REIT - Real estate investment trust is a.better option than managing rentals on our own.

[@surekhamurkute6032]

Which is the best guaranteed income / pension plan ,Sir

[@shrivardhanmohta561]

Very informative. I will plan accordingly

[@nishavasaikar2805]

A video worth it. Thank you.

[@jeanellefrank9082]

best retirement plan , one time investment

[@vipinun]

Excellent explanation.Thank you so much.

[@rnhotta18129]

REIT and INVIT may also be considered as one of the retirement income options.

[@kannaniyer97]

Very very giod

[@ramaacharya3555]

Very nice information Thank you very much sir 🙏

[@venkaiahbayana189]

Very useful, practical advice

[@nishasinghal4092]

Fantastic video...! I have a question, if you please answer. Sir, should one plan to do any business after retirement...?

[@dattatrayamarkad7626]

Excellent information given sir.

[@certified4mahtab]

Excellent video sir. You are great inspiration. I have started investment for UlIPs for retirement and NPS. Should i move to Fixed income? Or should i buy gold every month to sell in retirement and get the profit

[@bharathkrishna6776]

Very insightful!

[@vijayshukla6706]

In mutual fund REIT mutual fund is good or stock investment mutual fund is better for retirees . Anxiously awaiting your feedback.

[@adityakothari2350]

Annuities are a better option over Rental income. Rental yields are just about 3% , plus there are recurring costs of house property and taxation issues during exit. Annuities upto 6% is much better and a most convenient

[@rajprema.6425]

Wats annuity

[@NRIMoneyClinic]

Annuities are static. Rentals are inflation proof . Have both . Not one . Please subscribe and keep sharing the videos

[@NRIMoneyClinic]

Pensions

[@adityakothari2350]

@@NRIMoneyClinic Annuities may be static but cud fetch more than 100% better returns than rental income. So a part of the annuities if reinvested can give a far better yield than rent. In case of property, there are other challenges of recurring costs and maintaining the house to be able to get good returns. Also the taxation laws make the exit also equally difficult. Unless the property appreciates, it makes no sense in my view to opt for rental income and struggle to create an asset of there are other better alternatives

[@madhusudan3087]

Clear explanation sir ....

[@parasuramb5656]

While you do advocate MFunds, you dont touch upon Equity Shares or Equity ETF, Equity share also do yield dividend but of course , the risks are higher.. but some portion of Equity do need to be there so that it derives higher returns which could increase your overall yield Thanks

[@syedimtiazabbashussain4913]

Equity shares of a company is more risky then mutual fund, which mitigate risk of loosing investment.

[@anuragsrivastava8288]

Rental incidents is also evaporating

[@deepthampan9998]

income from real estate - is it still considered as a better way in India to beat inflation risk ?

[@AbraJK]

How much amount is advisable for Bank FD? How much is huge?

[@npratapvet]

Excellent presentation dr. Chandrakanth. Very informative. I shall be retiring next month. Will contact you to take advice on investing retirement benefits as advised in pension plans and other 3 to generate a monthly income while beating inflation. God bless you. Your channel rocks.

[@NRIMoneyClinic]

Always welcome. Please subscribe and keep sharing the videos

[@KunchithapathamNatarajan]

Very good information. 👍

[@aijazkhan9621]

Good advice but also mention some options witch is safe .many of us might be trapped in such things

[@rajprema.6425]

How well u explain... Sm really glued to ur videos.

[@NRIMoneyClinic]

Thank you so much Please subscribe and keep sharing the videos

[@nagappapayannavar6486]

Excellent appraisal sir,

[@KunchithapathamNatarajan]

There are long term G Sec bonds with interest rates around 7%. Can a retired buy those bonds instead of annuity plans . Please advise. Thanks .

[@manaoharsam4211]

I am still being pulled by two forces. One to return to India and expatriate. The other to stay in USA because of Medicare, and ease of doing transactions like buying groceries, servicing cars, paying bills etc. One hand India a very friendly country, other hand USA a very alienated country where people to busy to be friendly.

[@NRIMoneyClinic]

India has changed a lot and continue to progress

[@praveenkumar-ey8kg]

Well explained sir. Thank u

[@rmohan9800]

Very good information. Thank you

[@sandeepshanbhogue7690]

Hi Sir, 1 headsup and 1 query. 1. There is LIC Jeevan Akshay VII which is like a pension and the best part there is option that annuity will go to primary applicant and then secondary applicant and after that the purchase price shall go to nominee. 2. In budget 2021, seniors above 75 years of age (residents) should not be filing IT Return. Will it also apply if they have mutual fund portfolio in thier books?

[@NRIMoneyClinic]

1. I need to check 2. You need to check with a CA . Please keep sharing the videos

[@jyotsnalele9230]

Please give details of the guaranteed tax free income schemes

[@ganeshraoma]

Excellent inputs sir 💐💐 nice collection of information

[@captsdasika6784]

Explained very nicely

[@georgecherian1545]

Great information !

[@reena6363]

Very informative, thank you so much n waiting for more videos 🙏

[@donbon9770]

How an OCI protect his NRE Rupee holder in US $ terms.

[@andimi1566]

Perfect just for me 👏👏👏

[@lathakr8091]

Excellent retirement ideas

[@minisuresh1969]

Nice one - am 50 now and from your video, I understand that mutual fund portfolios are the best for a creative income ( other than rental , which I have now ). Can you give link on this as to which MF should I chose ?

[@worldnewsuncensored5035]

PPF and NPS from govt haven't been mentioned that too tax free. Tension free when compared to rental income.

[@NRIMoneyClinic]

PPF and NPS are corpus accumulation plans . They are not cash flow strategies. Please subscribe and keep sharing the videos

[@shekharraje5188]

Sir, I am a avid listener to your various videos and gain great knowledge as they are simplified for a common man. Today I would like to detour from a subject and ask different question.. It goes like, is a Bank retired employee drawing monthly pension entitled for same even if he changes his Nationality? Say from India to Australia? I shall appreciate your candid reply. Regards

[@arpitaroy8519]

Would like to know more about Safe Mutual funds

[@gokengeyi3306]

Thank you sir for your helpful videos....🙋🏼‍♀️🙋🏼‍♀️

[@kksirclass9and10]

Sir perfect.

[@pranitataraphdar6702]

Thank you for this wonderful video. Please let us know good retirement pension plans by LIC etc

[@NRIMoneyClinic]

Send messagecon the number shown on the screen

[@MickeyAppy]

Sir please advise and give example of Well construction, scientific Mutual Fund.

[@asitchowdhury1679]

Which swp should I choose as less risk ,good return and future growth.

[@sanjaykadam8083]

Nice clip

[@jagadeshwarikumari7708]

Very much inspired by your explanation sir

[@NRIMoneyClinic]

So nice of you. Please subscribe and keep sharing the videos

[@ganeshr8851]

Thanks for the useful information on retirement....

[@stalint5006]

Sir stay blessed🙏

[@YOUAREMOVINGUP]

THankyou very good information

[@mirzuberi8547]

Thanks guruji

[@sundaybright8919]

Thank you for sharing this information papa

[@manojkumarsachidanandan8099]

Thanks again ❤.. What about bullion investment which can beat infaltion... Fcnr fd..... Gold mutual funds... Index funds....

[@syedimtiazabbashussain4913]

Yes IF it safe from thieves and robbers. It is a long term investment and can't support retirement monthly cash flow.

[@TRUELEARNER]

Great video Thanks alot

[@poornimasejkar2738]

Excellent information

[@natrajmulgund9701]

Sir, at 11:22 you have informed that some guaranteed pension insurance policies are 100% tax free ( as on today). Can you please elaborate? Can you give some example?

[@vsj3974]

Thank you for sharing useful information..🙏

[@rachelninan9074]

The best product at present is NPS and this gentlemen did not even mention this. Well, well, NPS has asset allocation which is critical wherein 50% goes to equity, 25% to corporate bonds and 25% goes to gilt. No need for demat account, managed by professionals and not thieves like FT. Cost is miniscule. Wonder why he forgot this product in his video. Guys do your own research , dont just listen and comment. In the end it is your money. Maybe he will tell you this once you do whatsapp?

[@NRIMoneyClinic]

That is precisely I say you should conquer your emotions before you hit success in finance field . Trigger happy commenting only exposes your overall understanding of subject . Please go to video section/ play list on the channel. We have five videos explaining every bit of detail of NPS . Also observe reference to pensions . NPS is all about pensions . Going overboard only on pensions is counterproductive. What is required is balance in approach . Please watch the whole program all over again to understand concepts correctly. Thank you for your feedback . Please subscribe and keep sharing the videos

[@jadams1162]

Hey in one of your earlier videos you mentioned that rental property investment was not good for retirees !!!

[@debasishghosh673]

Contradictory advice for income 1 !

[@Harshil_Rakesh_Jai_Mata_Di]

Nice video sir but I suggest you to make a video in Hindi language also so that everyone can take benefits.

[@anilbakshi4505]

What about Commercial property for Rental income

[@NiteenDongre]

Thanks a lot Sir

[@rajprema.6425]

Hi Sir my topic.... thanks for enlightening... Prema Lobo.

[@NRIMoneyClinic]

You are most welcome. Please subscribe and keep sharing the videos

[@j5ramrmr303]

Thank you sir Very usefully