Falling Interest Rates - A Ticking Time Bomb - Are Your Prepared For The Consequences?

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[@Yogeshkanna]

Your YT on ‘Falling Interest Rates’ is well articulated by clearly educating various steps that one should take based on his age group. Surely, no RM from bank provides so clear guidance irrespective of how much ever business a client provides to him. Your explanations are always simple, objective driven, and ends with action points for listeners. Thanks for educating us through your regular YT videos.

[@asen5998]

Sir, Your guidance through YT are most welcome to us and it is vert true that we used to believed the agents blindly in earlier days, but now a days we are lucky enough getting like you people. Pl be helpful to us. There are many educated persons are getting money more than sufficient and then do not know what is right place to keep that excess money. As per our parents guidelines we are finding the bank or Post office. Pl give this guidence as long as you can ❤

[@maheah101]

Trends around the developed world show that real estate grows with falling interest rates as people are able to borrow more money.

[@ulhasdhupkar1381]

Many Thanks Mr Bhat for selecting this topic on Financial Literacy .Excellant enlightenment

[@skbachoti]

good analysis! Trouble is, the GPO estimate of inflation rate is always less than real inflation.

[@sps6]

This is a very good analysis on how one must pace when stock markets results fall

[@kkprakashcnpt]

Nice subject .. but i made calculation in my excel sheet about the fixed term annuity policy of 8 % .pay out. . and noticed the percentage included with cumulative compound interest..(i.e reinvesting interested earned from fd like india every quarter) if calculate that way .. the intested paid by annuity is only 6.5 %. If longer duration means only 5.5 % ans so.. this is how people got fooled. One must calculate the interest with cumulative.. the guy who is getting 9.3 % for 17 years lost opportunity cost. Sorry that he still did not realized.

[@NRIMoneyClinic]

You can speak for yourself , not others .. others situation is not same as yours . In excel you should calculate IRR , not interest rate .. no one is fooling . Let us use words responsibly

[@kkprakashcnpt]

Xirr is nor right calculation here to be used.. while reinvesting the interest earned. Plz use compound interest calculator

[@NRIMoneyClinic]

@kkprakashcnpt pension is not for reinvesting .. it is for consumption . It is a highly regulated industry .. do you mean to say regulators are cheating .. please apply mind correctly .. I am sorry to say this

[@NRIMoneyClinic]

XIRR to be used when you invest with series of payments

[@kkprakashcnpt]

​@NRIMoneyClinic I am not saying regulators are cheating.. they are other option which u can have better return and control over that . ..if such so good product why people promoting and advertising and also getting commission on that. Everyone must think.

[@subramanianvenkatasubban7017]

Very very detailed info absolutely useful to all sections of the society

[@kutubmesiwala4375]

Your message is very realistic and thoughtful insight

[@Hello-bn2yc]

Thank you Mr Bhatt ... will need to rewatch it

[@josemathew8613]

Very informative and useful. Thanks.

[@jaykanjani2762]

Thanks 🙏

[@aksket2000]

Very useful information

[@padmanabhas3676]

Informative to plan the future

[@SantoshMishra-gb3kr]

Inspiring video

[@chandrashekarbk007]

Thanks for the very good information sir 🙂

[@prabhatkanoje3698]

thanks a lot for explaining in simple manner, an eye opener for me,kindly through more light on fractional commercial real estate, Regards

[@NRIMoneyClinic]

There are detailed videos on fractional commercial real estate on our channel. If you wish to invest in it send WhatsApp message on 00971 50 1484595 mentioned in description box

[@arpitaroy8519]

Thanks.

[@sanjibdebroy2075]

Thank you sir for the informative video.

[@vikashbkj]

Thank you sir

[@SantoshMishra-gb3kr]

Good episode

[@anilmahajan7963]

Excellent sir.

[@krishanasinghmahar4147]

Pl let us know what are fixed return insurance plan.

[@Gunakkunru]

Thanks for the video Sir, Very much helpful. How gold behave in low interest rate scenario?

[@phugoid]

Nice clip, again. Has any nation managed the ideal zero rate of inflation, and for some length of time? That would be the best scenario...

[@NRIMoneyClinic]

Zero inflation is not good .. 2 to 4% inflation is ideal scenario

[@phugoid]

@@NRIMoneyClinic Thanks. I'm no economist, but had thought that zero = no change in prices, and therefore predictability for those like me who are on the doorstep of retirement :)

[@RajeshKumar-jq9tq]

Nice video sir

[@nomad2503]

Excellent explanation as always sir

[@PK-kw6zw]

which pension product gives 7% interest rate.. Deferred/ guaranteed?

[@mg.f.9023]

Best financial knowledge for NRIs. Great effort!

[@reset.india20]

Population decrease starting slowly resulting less consumption..

[@fafoshjfdadv]

Still it is unchanged

[@phugoid]

Question: Do you still stand by your earlier "300 times your monthly requirement" yardstick, or should we revisit that?

[@NRIMoneyClinic]

Obviously you will not park all your money in fixed income .. therefore no changes to earlier proposition

[@shubhamostwal1826]

Superb video nice point for who depends on FD investments. If we park our FDs in agressive mutual fund & get 6% P.a SWP,is it practically possible?? Please Guide us...😊

[@manojkapoor1012]

Well explained video on real phenomenon of falling int rate.

[@dazmurph]

Can't see it myself, so much debt in most countries, interest rates will rise again to try and get inflation down.

[@NRIMoneyClinic]

We are talking about India , not developed world

[@paddy8937]

What about residential real estate in 2023?

[@tarungupta601]

Sir if the interest rates are low then more capital business can take with low interest so more growth and stock market will grow

[@MoneyMindedMacha]

Baitho beta bahut seekhna hai tumhe

[@aujlagurjit]

Shouldn’t the stock markets rally when interest rates are cut?

[@ParivartanYatra]

जय भारत!!! Keep it the Same!!!

[@rsv1503]

Thanks. 22:30 . You said stock market returns will be less than 10% in coming years, if that is true then how an young star can generate wealth? we are better off with guaranteed return/fractional real estate. please clear this doubt.

[@pingpong9005]

He is assuming index returns (nifty/sensex) around 10 percent....while investing in active mutual funds or shares one can earn around 15 to 16 percent over a longer period like 10 yrs of time...

[@rashmivohra7818]

Wt r ur thoughts on banks waiving loan of rich NRIs? That way money is leaving banking system and hence low returns r penalty to others.

[@NRIMoneyClinic]

There is no logic in your comment

[@abhirajranawat5018]

Interest rates are going up. Where are they going down. At the time it is highest

[@NRIMoneyClinic]

Did you watch the video ?

[@surajkesarkar2272]

FD rates and Inflation are corelated Abhi 6 percent fd rate hai inflation around 7 percent hai Kuch saal bad fd rate 2 percent hoga tho inflation bhi around 2 percent rahega

[@phugoid]

Inflation won't ever drop to 2% in India, and certainly not in my or my children's lifetimes, for sure. I'm 56

[@surajkesarkar2272]

​@@phugoidsirf example diya hai

[@Prithvichouhan406]

Is annunity amount that we pay never comes back to us... means we cant withdraw it... plz reply

[@NRIMoneyClinic]

It will go back to your nominees after your term

[@dr.b.pradeep6027]

But the LIC personnel told that the outcome of such transaction will reflect the interest rates! I don't know whom to believe!

[@ponssap]

I believe that the insurance agent is wrong. Either he is not aware or he may have other intention. Please check with another insurance agent or use google.

[@bvssrsguntur6338]

Interest rates fall, people will flock more to real estate and other risky assets like market. Lower middle class and middle class maximize post office savings. WHat are these debt instruments that people are talking about? In India is giving 5% and US is offering 4.5%, doesn't investor flock to US? How can India remain competitive to buy its debt?

[@sanjoyghose1952]

But, as of now neither interest rate is falling nor the rate of inflation. People may become rich in stock market and may become pauper there. Hence, it is not case of wisdom, but of luck.

[@GPInvest-cf2oy]

Sir, you are saying the interest will come down in the following years because more money will come into the banking system. whereas, Indian government is saying the savings of Indian population has gone down which means no investment. What is your opinion on this? It would be helpful if you talk about the current reality rather than predicting or giving (false) hope to people.

[@pingpong9005]

In 1992 to 94...harshad scam happened

[@NRIMoneyClinic]

1990 to 1992 scam happened

[@tourist3066]

People like Mr. Bhats are soft Andh bhakts who dont want to give credit to Congress government of 90s who liberalised the economy. The intiative of GST is also from Congress. I have seen happiest people those who invested in Fds and land. Stock investors are always crying for two reasons. First is fear .Second the standard goes up when you see the paper gain and then stress gets in when you loose it.

[@joysamuel9784]

Unable to understand your statement that a falling ininterest rate regime is bad for the stock market.

[@NRIMoneyClinic]

It is not bad for stock market , but absolute returns from stock market will move downwards from present level.

[@Kannada_First]

Bhat surname = Brahmin = Modi supporter 😂😂

[@writetogupta]

All lies

[@NRIMoneyClinic]

Time will answer this comment

[@jainanurag793]

Very poor analysis

[@SwastikAhmed]

What RUBBISH ARE YOU TALKING The CPI inflation shot up to a much sharper-than-expected 15-month high level of 7.44 per cent in July 2023 from 4.9 per cent in June 2023, due to sharp rises in the prices of vegetables and some other food items such as pulses, spices and cereals.