Top Ways To Make Money, FD Vs SIP & Investing Mistakes - Stable Money Founder | FO 300 Raj Shamani

[@singhdivya2710]

Raj Shamani is a very natural podcaster. He puts across simple questions which are so relatable to "Aam Aadmi". He doesn't complicate the discussions and that's why his podcasts are treat to watch. Keep going Raj Shamani. ❤

[@anshuljain8277]

Yeah that's why he is better than Ranveer

[@cedtalks-k1b]

@@singhdivya2710 kzbin.info/www/bejne/jWPIaIeEmLV6i7Msi=NHeSprDeThvdjC7t

[@SAMARX3z]

naah , he sometimes ask questions like he's having zero knowledge on that particular topic, n viewers are not that dumb in the first place

[@cedtalks-k1b]

@@SAMARX3z correct

[@shahshubham3824]

One of the best and actual intelligent founder and truly gentleman with no ego and 100% knowledge A big thanks to sharing your thoughts and making aware about investing

[@starabey2]

💯

[@Arunscreation]

Ake teacher ne bhai ki jindgi badal di. waah, Thanks Teacher.

[@bisoulmanic]

I wish I found a podcast like this or had someone tell me this 10 years ago.. Truly admire your work.. Atleast now people have abundant access to information and hope they use it... Unlike us jo maar ka ke hi saab seekh na pada hai ✌️😄

[@TusharSalve-x9s]

Thank you Raj and Jain sir... It was the most valuable and knowledgeable information for me 😊

[@jiteshdeore303]

Thank you both for such the fruitful discussion.😊

[@deepshakya888]

I always watch your podcast till the end and i have learnt so many things from this podcast, Thanks Raj apprecaite your work.....

[@KPS_04]

31:51 Saurabh made quarterly compounding of 9% to 9.3% (jump of 0.3%) look so fascinating and completely ignored the taxation part which would bring the returns to 6.5% (down by nearly 2.8%) for somebody who is in 30% tax bracket. Expected Raj Shamani to confront him with the post-tax returns reality but him not know about the quarterly compounding of bank FD's baffled me. This also made it clear that he isn't very financially literate in spite of running a company successfully and making several lakhs per month.

[@vivektiwari4456]

Same question in my mind... have seen most of the hosts / podcasters are not properly educated in that particular field and low experienced or may be not done homework....due to this many finer aspects and nuances go un-encountered

[@nootropics11]

One of the best founder Saurabh Sir🎉

[@sugandhimani2541]

Just listening to your podcast I got motivated to invest small idle amt in FD.

[@mihirtrivedi6807]

hi Raj it was amazing talk. I am a life insurance advisor n i normally advice people the way in which both of u r talking with each other . It was difficult for me to guide the young generation about balance investment as they r thinking of MF n stocks is the only way to make money. now i will share this talk to those people so that we all together make India better n strong enough.

[@prerza]

very interesting conversation, loved the insights on all the topics

[@aadarshchoudhary4321]

Kya ukhad liya?

[@KPS_04]

31:53 Saurabh made quarterly compounding of 9% to 9.3% (jump of 0.3%) look so fascinating that he has comfortably sidelined the fact that 30% taxation on FD's will bring the returns to about 6.5% (down by 2.8%). What baffled me more was Raj not knowing about quarterly compounding and not confronting Saurabh about the soon-to-fall interest rates of bank FD's thanks to RBI's MPC decisions. This makes it clear that running a company quite successfully and generating revenue of several lakhs per month (like Raj) doesn't necessarily make you financially literate.

[@VijayKumar-jv7sz]

इस यू अरे राइट brother

[@AfreenSultana-i5r]

@KPS_04 Den investing in gold bond is much safer option than FD rite?

[@ayushkumar85]

Absolutely correct but it would be useful if you keep this money in fd as an emergency fund. If I talk about gold it is near to a fixed return but it is still volatile. Leave sips or equity. Bonds are a good option and so are Fds. So I would recommend Fds for emergency funds as this will not grow the money overtime for obvious reasons. But you can use these in emergencies and if in the worst case scenario you take out the money prematurely it would cost you 1% approx and you would not lose further. Please correct me if I have said something wrong as I love money and opinions, helps one improve. Thanks..

[@AfreenSultana-i5r]

@@ayushkumar85 completely got you thanks for replying

[@harshitbhagat1060]

So informative, thank-you fir being so transparent.

[@KiviWorld-l2n]

I have been following your podcast for a while now. I enjoy listening😇 I have some suggestions for whether it's up to you to adopt or not 1) try not to look nervous or anxious mostly at the last parts of the podcast 2) try not to be absent minded (you mostly move your head in the context of yes yes) so try to avoid that 3) always don't stick to the script question you want to ask but try to pick up the questions from conversation that would look friendly Conversation and audience will enjoy listening

[@surajmarchande95]

Superb ❤ thanks for this one

[@arjunsinghnegi5811]

i just started saving money after watching this podcast Thnank you

[@BasavarajSoudi-l8s]

I enjoyed🎉❤ every bit of podcost and got your amazing insights and it will really help me to grow best version of myself and I am sharing this podcost to my loved ones. Thank you both of you

[@Adventure1292]

My father had Heart surgery deposide 6 lakhs to hospital . .so now we family members we all work very hard whole day to ger 400 per person five of us so 2000 per day. And still 400000 due lucky and good that we dnt pay interest the owner was very good person❤❤❤❤❤

[@anuragbohra]

Very important and useful points necessary for digital security.

[@chemistrybetarays4811]

The topmost way to make money is to get people like Arvind Kejriwal a.k.a Lawdasur to the podcast....................

[@Nishant_Kumar_12]

Paid promotion podcast 😂😂

[@ku2ification]

39:11 as per personal finance rule, its not 6/12 months of income but 6/12 months of expenses so that in case of emergence, we are able to manage our expenses

[@Joshiji77]

Inko fd jyada karvani hai isliye😅

[@KPS_04]

Exactly 💯 ​@@Joshiji77

[@ayupb]

Hi Team you should put the subtitles in English so it will be very helpful

[@Samir-w2h]

I would like to see Alakh Pandey from PW, Dhruv Rathee, Akash Banerjee from DeshBhakt, Omar Abdullah, and Narendra Modi. I want you to ask them tough questions.

[@gyanendramaurya1796]

isme se ek jan nahi aenge open interview ke liye. guess karlo 😂

[@MohammedShawad]

Modi ko bhi bulaake tough questions pucho... Hai dum??

[@deepdude1]

​@@MohammedShawad aap mia log har kahi maqsad ghusaa dete ho..... Modi, israel, phillisteen, ummah, islam khatre mein h , louda lassan...... Kahi to sala deen k alag baat kiya karo....... Kb aankh khulegi tum logo ki. Apni generations khraab kr liye ho. Koi aesi topi pehna gya hai k topi k ander ek dimaag hota h jo use krna bhoolgye ho. Yaha investment ki baat ho rhi h..... Apko deen ki baat krni h. Saala koi to jagaa chhod do....

[@ashishkumarrajput7870]

I love , I appreciate, I admire RAJ SHAMANI.

[@ranjankumar-hy1cw]

Rajshamani is a great podcaster❤

[@rishiraj2548]

🎉🎉

[@GAautam-r4t]

1:08 7- 7.2 milta hai axis bank mai hi itni basic research toh krni chahiye . Warna fir kya benefit hoga podcast dekhne ka.

[@furiousgaming5464]

😂😂yes paid pr

[@manojbelnekar140]

Awesome podcast! I have one feedback for Saurabh, sir: Please change the BG colour of the landing page of your stable money website. It is not very pleasing to our sight!

[@lasyaamritaaravallli5685]

Sir can you please ask this question on every podcast: Top 3 book recommendations

[@bhagwatitraders1064]

Any book of mast Ram

[@The_invincible121]

Antarwasana

[@sandeep22101983]

He is the founder of "stable money" , how he will give you free tips in podcasts !!

[@VipinKale-p7x]

Tier 2/3 Cities-Statement is correct.. lots of money in these cities. I live in tier 2 city.Just observe lots of money people have in my surrounding. Give an example:In my surrounding peoples uses swiggy instamart for fun.. just they dont want to go to shop. Home deleivery hai order krlo..

[@unknownwanderer04]

Phir bhi Fds jaisa cheez hamesha Bank me ja kar hi karna chahiye Agar ap fds bhi third party se kar rahe ho And aisa bank se jis bank ka office dur dur tak apke as pas nehi he Tab kuch bhi problem me usko resolve karna problem ho jayega Swiggy,zomato se order and fds are two different things

[@cedtalks-k1b]

Incredible podcast

[@vishalparashar]

My experience with stable money , I put money in FD , it matured in Dec and I am still waiting for my money to get the return back to my Bank account. So beware , After created ticket , they never called me back to ask what is the issue and already have asked cancelled cheque and bank statement but nothing happen , till today waiting for my in my bank account.

[@ravindrabisht9766]

I hope you got your money credited in your account

[@vishalparashar]

@ not yet

[@GanilOnesell]

please update in future

[@subhamdidwania5262]

Notes Investing on ourselves- kudos to Raj for this statement Unstable income (eg. more effort in your business grows your income) go for stable investment. Only a small insight I would like to bring up. FD Rates are running not around 5-6% and they are around7.40% for a 390 day timeline currently (I am sure about Kotak other banks might be offering similar).

[@autocadbymonendrasinha4252]

My inspiration Raj shami sir❤❤

[@autocadbymonendrasinha4252]

Samani*

[@MinalGaidhane-z1f]

Please invite Zayed Khan & Vivek Oberoi as high net worth investors. It’s astounding to see Ex -actors whose business empires skyrocketed after their films flopped

[@cedtalks-k1b]

Very informative podcast on passive income

[@cedtalks-k1b]

kzbin.info/www/bejne/jWPIaIeEmLV6i7Msi=NHeSprDeThvdjC7t

[@dipankarsaikia8769]

80% in Board exam is not average for me. He was a briliant guy. I got only 65% in all my academic carrier😂😅

[@devtach788]

Bhai me marwadi hu , I get 36 percent p.a because I give loan in informal sector ❤❤

[@lakshmiarya6188]

Always valuable👍

[@NS-wy6dl]

Excellent podcast thanks for sharing your knowledge 🙏

[@jda7499]

5:56 : little sense of admiration esp in 9/10th std ❤🎉

[@pankajdeopa8230]

It will be good I you can bring someone from the travel industry And questions like....1 .what new can be done 2 IS there a business opportunity in travel industry

[@tagorerahul]

The point is small city are cheaper to live people save so much of money even if they are earning less as compared to tier 1 metro cities naturally they have the money to spend on luxary while tier 1 people are paying hight amount for basic living like rent, education etc

[@bittisinha9662]

I totally agree with this.. This is how I have been multiplying 😊

[@sasankadas1987]

Please suggest if it is safe to invest in FDs with NBFCs like Bajaj Finance and Shiram Finance?

[@gyanendramaurya1796]

No

[@teammanagerpvt.6228]

good questions by raj sir, Stable Money Founder was little nervous

[@mousumihazarika1698]

Pppppp

[@Anonymous-lv4jr]

Thanks Raj and Jain Sir for very insightful conversation. Can you please give an idea how exactly Stable Money makes money out of this? As i see there is no platform commission charges being levied from its customer.

[@IshaanGupta-hi1mb]

Stable money gets commission from the banks just like zomato gets from restaurants.

[@IshaanGupta-hi1mb]

stable money is free for all the customers though.

[@liveyoung92]

Shi topic choose kiya h.. Raj

[@santoshkumarch4583]

What's the options for the HUF account? Can we open FDs through your platform of HUF account?

[@gajjarpooja9630]

Raj shamani sir is very best ❤and your podcast is very good 😊

[@bhagwatitraders1064]

Beta wo to podcast karke paise chaap ra Tu kyu time barbad karra bhai

[@The_shivamrana]

Raj shamani fans button ❤️

[@ALOKKUMAR-go5pz]

In our locality people took loan for business from people at 24 to 36 percent per annum.

[@GAautam-r4t]

1:08 7- 7.2 milta hai axis bank mai hi itni basic research toh krni chahiye . Warna fir kya benefit hoga podcast dekhne ka

[@Aditya-g8s1q]

Bacha hai abhi tu after tax bataya gaya hai wo gain

[@GAautam-r4t]

@Aditya-g8s1q toh fir uska 9 , 9.5 % after tax kyu nhi bataya uska toh vo jitna dete h vahi bata diya . Btw! I appreciate u bcoz u gave me a diff perspective

[@Karan-c5z1s]

See, return on fd is depends on duration. And agr tax se bachna hai to fill form 15g.

[@gyanendramaurya1796]

are bhai ye rates abhi badh gaye hai kuch time ke liye, uske pahle 5-6 hi milte the.

[@ravindrabisht9766]

How to fill out form 15g online in stable money?? ​@@Karan-c5z1s

[@ashishbhatt7861]

I learn something😊

[@iprasantk]

My question is how can we know whether such a company is genuine and there are many people like them doing this work?

[@Playfulrelax_1212]

Mobikwik 14% de raha uske baare koi jaankari dega kya wo sahi aur galat any investor please reply 😮😮

[@chiragsingla9499]

As developing countries moves towards developed countries, inflation & interest rates & CAGR's tends to go lower.

[@SingerKeyaa]

Encouraging people to save in small riskier banks 🏦 HDFC and SBI check the latest rates fd For 1 or 1.5 % I would never go to a smaller bank 😂

[@sultansingh3849]

Podcast asha maggar i was wait k kab SIP pe batt hogi .. and batt huye nhi sip which i some many questions about sip vs fd where should a person go to save a money for future… !!! ????

[@amandeepskitchen4648]

Punjab is the only region where luxury is happening

[@SudarshanRoyVlogs-vh9]

vaiii, Big Big fan since I found you

[@malayananda2484]

What about Arbitrage fund? They are also safe , same return as FD, and more tax efficient than FD

[@tarunnag7603]

Stable money ka tshirt atcha mujhe free mai mila app share karke

[@rohitx45.]

This is really helpful . Could you please invite Dhruv Rathee

[@satishkumartiwari8908]

I had also opened FD in small finance bank through Stable Money......only one issue which i have observed....reedmtion take time......when I closed the FD.....Amount has been credited in my account after 24hrs which is not good......If we swip-in FD in HDFC/SBI.....instant credit happen.....but through stable money it takes time......this is my experience......we can't keep Emergency fund here.....

[@IshaanGupta-hi1mb]

Hey, I also did FD with stable money. There are some banks like Suryoday where there is instant withdrawals. I received the money within seconds.

[@ravindrabisht9766]

How to fill form 15g in stable money app?

[@prathisahrudh]

Epfo can be a dafety net but its so hard to redeem it.

[@Dinesh_Rao630]

Really good

[@Haseebjut-v8f]

I always look up your videos for update! Our government has no idea how people are suffering these days. I feel for people with disabilities not getting the help they deserve. Thank you Mrs Linda, imagine investing $1000 and receiving $5,300.

[@UjohghhcIrouv]

I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...

[@UjohghhcIrouv]

Trader Linda strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@AndrewFirday]

please educate me, I've come across this name before, Now i'm interested

[@AndrewFirday]

Please is there any link or information about her, how can I reach her?

[@Sharondavid-cf1mr]

SHE'S MOSTLY ON TELEGRAMS USING THE USERNAME.

[@tunkusikdar1435]

According to me emergency fund should be 6 or 12 times of your monthly expenses.

[@hardikdesai9146]

Plz let ur guest complete what he want to tells and share . May b we can get insight .

[@rahulagarwal5167]

They must also talk about taxation on fds and sip

[@nilzus1608]

7.45 in indian nationalised bank and 7.95 for senior citizens wnnualized return

[@Shakesphere-x6d]

This felt like a Paid podcast, Raj you have earned the respect of the top podcaster and this podcast not only felt like 1 hour of paid promotion but also bogus this is not expected from a creator like you.

[@kanteshpatil3562]

As Raj said, need monthly diversified investment plan

[@rakeshrana8528]

7.25 %hai fd pr. Scss main 8.2% hai floating rate bond main 8.05% NSC main 7.7%. Hai

[@johnorton4418]

Small finance bank me 9% d3ta hai

[@ashishkumarsingh2356]

​@@johnorton4418 Jis din small bank band ho jayega us din 0% ho jayega

[@rakeshrana8528]

@@johnorton4418 pr small bank main risk zyada hai ...

[@DaisyBartley]

Yes, we have already missed the deadline for those currencies, but fortunately, we still have some possibilities, such INFTY3 Token.

[@Reachyashh]

46.33 mins wrong calculation. If a person keeps FD for 1 year at the rate of 8% pa. If the same is prematured on the 6th month. He will get the returns offered for 6months -1%. Suppose 6 months FD rate is 7% pa. He will get 7%-1% i.e 6%. I think he made the wrong statement.

[@unmuktyatree8200]

gentleman spoke so well but then passed gas @57.20 ... Income generation is basically stagnant for Bharat while India is doing okay okay but not exceptional

[@ScienceDecoder-n4h]

Bro mujhe aapke podcasts bahot bahot pasand aate hai .but aap na ziyada baat English mein hi karte ho.and also guest bhi. Mujhe bhi English aati hai but thodi thodi .but aap bahot English mein hi baat karte hoo .plzz next time hindi yaar please as a bro. And kon kon chahta hai yeh improvement woh like thoko 😢❤💯💯💯💯💯

[@SukantaSharma]

Why FD is getting compared with Equity Mutual Funds? I think it should be compared with Liquid, Short and Ultra Short Mutual Fund, Arbitrage Mutual Fund (for those who are in 30% tax bracket) only. Also I found this as a incomplete information about taxation. Interest will always be taxable, doesn't matter if you use it or not, whereas in Mutual Fund taxes only be applied for realized gains.

[@er.vineetsharma4874]

26:55 Ludhiana and Chandigarh are tier 2 cities ? Are u serious 😅

[@kk6195]

So kya 3 tier expect kar rahe ho aap? Just curious

[@saurabhsambyal633]

@51:49 Is the amount which is safe with govt. Only 5 lakhs or is it more

[@FunEdWorld]

Upto 5 Lakhs including Interest

[@Shanisingh0]

Premanand Maharaj ji k sath ek episode ho jaye raj bhai ... 👏 👏 👏 👏 👏 👏 👏 👏 👏 👏 👏 👏 ❤️ ❤️ ❤️

[@BikashKumar-dm3id]

Unko paise se matlab nhi hai inko jaana hoga maharaj jee ke pass gyan lene❤❤❤

[@Decodingstocks]

Bhai vo nahi dete bank hi deti hai aap platform k through karo ya direct bank se karo only benefit is application through jate hai to hand full kam ho jata hai

[@GODSexpert]

good one

[@IndusAbi]

Sir, Why in Indian banks dont allow FLEXI deposit, means every month you can add some amount & take if you need for expenses, also if you compare with SBERBANK of Russia, POCHTA Bank Russia gives FD rate upto 23 %-28% , why Indian banks ka itna bura halat kyun in terms of FD .interest ....... will it improve ????????

[@sarnandudutt78]

auto sweep karo

[@AmairaHomeBakers]

what mistakes people now a days doing That is future and options trading

[@LuckySahu-l3b]

Trader attendance

[@aadarshchoudhary4321]

Losers attendence. Ab bolega ki me profitable hu. Share fir ab pnl link de.

[@ascender1009]

Jabse dekh raha hoon apka video ,1st time laga ki yeh podcast acha nahi hai.because stable money wala jo toh bol raha hai "esop" .bhai individual or senior citizens ke liye bi kuch bolo .fds ka ad kar raha hai bas😊

[@rihanrazakhan3810]

Pehle isne bola ye sab me average tha then how come he topped in 10th and not only 10th he aced in every field. Is this even considered as average ? Aur ye unnoticed bhi nahi tha

[@unknownwanderer04]

Bhai agar Fds karna he to apna as pas ka bank se hi kado Thoda sa dhund ne me mil jayega Jaha par accha fd rate chal raha he Wo par account khol kar physically karo And FDs are for short term goal And MFs are for long term goal Jo bhi log MF ko promote karte he Wo bhi yehi bolte he Par agar koi apko ye bol Raha he MF me na karke sirf fds me dalo Then he is wrong

[@KPS_04]

Both Raj and Saurabh completely ignored the reality of 30% taxation that would bring the returns to 6.5% per annum. Let's not forget that the FD rates will also go down once the RBI starts cutting interest rates. I'd anyday prefer an arbitrage fund over bank FD's for my asset allocation towards safer options.

[@akshaywanjari2279]

@rajshamani this podcast looks like a promotion of stable money app not related to educate your audience , we follow you so please be fair and share genuine podcast

[@VishalGupta-bv2pp]

No Ankur Warikoo was harmed in this video...😄😄😄

[@niteshgodara983]

I GOT 6/10 SCORE WHAT'S YOU'R SCORE GUYS DOES ANYONE SCORE 10/10

[@iveer_007]

9/10, missed that fixed return wala question

[@nootropics11]

10/10

[@OmkarSurve-r6n]

Real estate matlab land and flatse bhi recession Aa sakta hai price kam ho sakti hai kya

[@suryamohanpillay2251]

Aye bhai.. emergency fund sirf essentials ko dhyan me rkh ke banao na.. aaj mai 50k kama rha hu and kharche uske hisab se karunga so bahar restaurant me khane jaunga week me ek baar.. agar naukri gayi ya kuch aur hua toh ye nahi karunga na jab tk dusri naukri na mile.. thoda sochenge toh sensibly plan kr lenge

[@vijay6931]

What was that British defence method

[@jayeshsheth840]

Who's interview is this? Jain or raj shamani's.

[@NehaParaste-k9e]

57:10 right question for mee ...pese kese bnau abhi to h bhi nhi