Retirement Corpus Calculator: Plan Your Financial Future Today!

[@BWealthy]

नमस्ते, हमने रवि जी के अप्रोच पर जितने भी relevant questions या concerns आए हैं, उसकी लिस्ट बनाई है, और जल्दी ही एक Follow Up वीडियो लाएंगे, ताकि आपकी उलझनें दूर हो सके। Stay Blessed, Healthy & B Wealthy

[@nareshshah6205]

Ooooooooooooooooooooooooooooooooooo

[@vishnumurthy2081]

Swatiji , At 3:07 ' 8 crores ' sunke Ek Gaana Baja ' Chhan se jo Toote koi sapna Jag soona Soona laage , Jag soona lage 😂 Mai Bhaaga, 2 Litre Paani piya aur 2034 retirement ke Badle 2044 ke liye apne Dil ko samjaaraha hoon. Kishore Kumar was right : ' Retirement corpus Ka safar, Hai Yeh kaisa Safar.Koi samja Nahi, Koi Jaana Nahi' .😊 Only Saviour: 'Itna Shakthi hame Dena Datha, man ke vishwas kamzor Ho na '🙏 🙏🙏

[@neeleshjain3175]

धन्यवाद स्वाति जी जो आपने इतनी महत्वपूर्ण जानकारी दी ,मैं भी अब पचास साल का हो गया हूँ ये जानकारी से मुझे अपना रिटायर्ड कार्पस बनाने की समझ मिली

[@Prithvichouhan406]

Yahi baat main baar baar likh rha hu SWP video bnane walo ko ..koe answer nhi deta tha..aaj ek sahi baat pe video dekha

[@IndianPrimeVideo]

Swati ji, best approach ye rahegi ki 20 years ka fund sufficient he. 2 years ka fund debt fund me. 10 years ka fund hybrid fund me aur 8 years ka fund equity fund me lagana chahiye. First year debt fund se swp. Second year se hybrid fund se swp. 12th year se equity se swp karni chahiye. Agar kisi period me recession aaye toh uss period ke liye pehle balance debt fund se, agar vo naa bache toh aage ki swp hybrid fund se bhi kar sakte he. Prabhat Kumar Mishra

[@Wonderer1356]

Agreed with you this is called 3 bucket strategy ! Deffered withdrawal over 5 years block.exhaust in a staggered manner keeping pure equity intact to be touched after 15 to 20 years.

[@kcpatel10]

Nice strategy sir ji 👍 thank you for sharing

[@Sonu-cv8ym]

@@IndianPrimeVideo 👍

[@swarupdeshmukh1867]

Practical

[@write2swapnil41]

I recently saw Swati Mam's podcast on her life and how she sailed through the struggles of her life up till now... I appreciate your efforts to make people financially aware... It's more important than we think!

[@jojijohn233]

Sir, Excellent work by you and Mr.Rajan Raju.

[@panwardeepak79]

बहुत ही अच्छा वीडियो😎👌,धन्यवाद रवि जी और स्वाति जी😊😊😊😊🇮🇳🇮🇳🙏🏻🙏🏻

[@Sonu-cv8ym]

I challenge this gentleman he’s not right I know so many people who retired less than half of this corpus they’re living very comfortable life

[@drdevendrasharma3068]

Exactly

[@kishansinghrathore9943]

Yes u r right...to play with data is very different with practical.

[@saradendukarmakar5052]

Here is the problem. We cannot predict the future. Equity market can be very volatile. What if market drops by 50-60% on the year of your retirement. What he is suggesting is the safest withdrawal rate in such a scenario. He is eliminating any such blackswan kind of scenario. True, In most cases even a higher rate will be sustainable. But planning is always done with worst case scenario in mind. At any rate if you withdraw at that rate you may end up with a nice inheritance for your children.

[@mohuld]

The very assumption of same expenditure heads post retirement is faulty. Lots of changes, adaptations according to socio economic changes take place

[@DeepCastingWithAbhi]

Like what's the calculation can you explain

[@hanumeshmr]

From a logical and theoretical standpoint, data analytics is correct. Ultimately, the retirement corpus is the sole source of income for sustaining a life. Maintaining the right balance between earnings and withdrawals is crucial. It is rightly said that higher returns come with higher risks. However, if for some reason, the returns are lower for several years, it poses a question on the stability of the corpus. Thanks for this info.

[@kcpatel10]

Thank You Very Much Ravi for sharing your thoughts on retirement planning, you are absolutely right about market. Nice and valuable video on retirement. If you have your corpus then you can withdraw, if market down badly then we will loose our invested Money and disturb our retirement planning. I dont believe to depend on SWP from Mutual fund only. If v have multiple sources of income then we can have cash flow regularly if one option is closed. Eye opening session for me. Thank You Very Much Swati Ji. I have been watching your videos from when you started channel. 🙏

[@BWealthy]

Glad you found the information useful KC Patel Jee. Stay Blessed, Healthy & B Wealthy

[@Bhaktigeet12970]

Swati mam apki voice or smile😊😊 achhi hai🙏🙏🙏

[@gauravsuri1732]

Hi Swati I am your subscriber and following you when you were working in news channel and now with your KZbin you are doing a wonderful job and specially for those looking for FIRE. This episode is v v good. In today's Time lots and lots of noise is there on KZbin but your content is good and this one is really wonderful. Best wishes

[@dineshkanojiya2136]

Maam, very educative video with different perception. Thanks very for making this video

[@chandrakantbaraskar4235]

Thanks you so much for such clarity. it will help me a lot to plan for future.

[@pradeepkumarbhatt8896]

Thanks 👍🙏🙏 a lot of mam for giving such a wonderful information and guidance regarding retirement aapkaa aabhar aapka shukriya.

[@ddnimbre877]

Excellent information I really like it overall retirement risk Big thanks

[@naveensingh7456]

Solid logic given by Ravi on 50-50 % or 60-40 Ratio (Debt vs. equity) , the logic behind the 50-50 or 60-40 ratio in debt vs. equity portfolio for retirement planning, as suggested by Ravi, focuses on balancing risk and stability.

[@dhirajsharma1693]

You are great inspiration for all of us. Thanks for sharing your financial knowledge regularly

[@BWealthy]

Thank you for the kind words Dhiraj Jee. Stay Blessed, Healthy & B Wealthy

[@rajeshsawant9461]

Nice information Swati ..thanks for taking this topic ❤

[@rahulfotedar3448]

Thanks for guiding Swati ji and u e doing a wonderful job.

[@vinitdoshi4433]

Thanks. This was quite informative and well researched.

[@shubhamsonawane9061]

Ma’am I have an idea. Suppose one person needs one lakh per month. First year no withdrawal due to gains tax n all. He needs to park 3 years of money in debt i.e. 36 lakhs. 2 years of money in balance advantage fund i.e. 24 lakhs. Rest money divided into 3 parts - depends on risk. 1. Nifty 50 or Nifty 200 momentum 30 fund 2. Large & midcap fund or Flexi cap fund or Midcap fund 3. Small cap fund. SWP starts after one year - 1. First 3 years withdraw from debt fund. After 3 years the withdrawal he will still have minimum 8% left on the 36 lakhs amount. 2. From 3 year to 5 year withdraw from balance advantage fund. He will still have approx 12% of the amount left. 3. From fifth year withdraw from nifty 50 or momentum fund and carry on with Midcap then small cap. ADVANTAGE is user has given minimum 6 years for equity before withdrawal for them to grow properly and Midcap will have 7 years and small will have 10 years before withdrawal. Please let me know for changes.

[@kumarpradeep6668]

Good suggestion. Appreciated

[@ashishviswas9808]

Hi Swati ji Just go through your interview given in Josh talks.. It was superb!! Thanks

[@kapilkulshrestha8993]

Thanks Swatiji . It was very informative

[@JAGDISHSINGH-it8qx]

Respected Swati g, so nice talk with Ravi g.❤❤❤I like yr vdos, so useful, 👍 thanks. I m retd pgt.

[@aksket2000]

Very practical information. Again I think health insurance coverage becomes insufficient as the age grows. And insurance company do not offer mire coverage as age grows.we have to add sufficient amount for expenses beyond insurance cover.

[@biswanathpradhan7549]

Very conservative & safe calculation on withdrawal after retirement, meant to last atleast 30 years without any hiccups. But it is only indicative & one can calculate retirement corpus at 25 times of the expenditure & withdrawal could be 4% or more & invest atleast 50% in equity.

[@TechnoAnkitIndore]

Thank you @BWealthy, this is very helpful! Pls do share the research you mentioned about sharing in the description of this video.

[@BWealthy]

Namaste, just shared it in the description box. Please check Ankit Jee. Stay Blessed, Healthy & B Wealthy

[@TechnoAnkitIndore]

@@BWealthy Thank you Swati ji. The research paper is very interesting read!

[@virendersingh-sf5dq]

First comment madam You r doing good job

[@BWealthy]

Thank you Virender Jee. Stay Blessed, Healthy & B Wealthy

[@beingpractical3293]

Ravi g giving highly mathematical view for retirement, most donot understand, even swati g is confusing. Giving chart or graphic explanation required for most person to understand.

[@anirudhpaul2000]

As india becomes an advanced country, bank interests will fall to 2-3 pc level and debt income will fall below 4 pc. Now this gentleman’s study is based on last 50 yrs where debt also gave good returns. Thing is you need to invest in the best balanced hybrid funds which today gives 11-12 pc returns, those might give 9-10 pc after 25-30 yrs. You can still withdraw 4 pc of the corpus every year and another 5 pc to account for inflation. Point to remember is that as India becomes an advanced country, the inflation will also come down to 2-3 pc level, won’t be 5-6 pc as it is today.

[@saradendukarmakar5052]

@@anirudhpaul2000 That I believe is more propaganda than truth. Yes, interest rates will go down from current levels, but it won't go down below 5-6%. Given how the interest rate around the world was artificially kept low to increase growth, and given how that has resulted in an unsustained inflation around the world, it is unlikely that the world will go down to such unnaturally low interest rates. India being on the growth path will experience much higher inflation rates and hence to attract foreign investments have to offer dollar adjusted return rates to make investments more attractive. I believe the long term (40-50 years) interest rate of 10 years gilt will be around 6%. At any rate a country's risk free return rate is generally around the rate of inflation of that country. Equity should give a long term return rate of Nominal GDP growth. Which in India's case could be around 10% over the long term. I think 5% is a safe debt return assumption.

[@SHALEENDAVE]

If inflation decreases, lesser money is needed for retirement expenses. So basically balances out

[@anirudhpaul2000]

@@SHALEENDAVE yes, that’s what i meant

[@nikhilabhyankar8031]

Do you have to predict the inflation for the next year every year, to adjust the withdrawal amount? If the withdrawal in subsequent years increases by the inflation rate, how is it dependent on how the corpus grows?

[@ashimkakoti6188]

Very good and informative video.

[@Sandeesh_Srikantam]

Please plan a video on bucket strategy for retirement/FIRE corpus. Also explain how to estimate overall returns from it in long term.

[@BWealthy]

Suggestion noted Sandeesh Jee. Stay Blessed, Healthy & B Wealthy

[@sandeept6926]

Hi ma'am.. first like and comment

[@BWealthy]

Thank you Sandeep Jee. Stay Blessed, Healthy & B Wealthy

[@PachamatlaRaju_AI]

Excellent

[@r9gupta]

You guys are right for calculating good wealthy money but considering that you are living alone in world having no support of your children in future like in many western countries.

[@Baat_apke_fayde_ki]

Nice content 🎉🎉

[@manjitsingh-n8j]

In which fund /debt deposite you suggest ,we park our Retirement Corpus

[@neeleshvaishampayan8016]

I think there is need to devide the expenses in different categories. Example . Expenses on health , which will naturally go up along with the age . So one should account for those separately and make provisions in addition to retirement corpus. Having only health insurance policy may not be enough. Generalized assumption of expenses and extrapolation might be wrong.

[@rameshkumaryathirajyam9819]

Make a video on Corpus investment for the funds recd on retirement from a PSU

[@ranjitsingh-ge3jw]

4:01 So 33 times the corpus of first year means having fund for (60+33) i.e 93 years ready. It means at 60 you keep whole fund literally and don't even put it in any FD / Fund that gives you ~ 8% return to SWP from ?

[@ShaileshKamar-y9g]

Good analysis..could be std for retirement plan

[@dharmendragupta6698]

Where to keep the corpus after retirement. Whether insurance companies retirement plans give enough return. Is there other options available looking into the age and risk involved in equity

[@TheKumarvinod]

Thanks ma'am

[@BWealthy]

Thank you for watching the video Vinod Jee. Stay Blessed, Healthy & B Wealthy

[@adityasharma-qo4lm]

मैं रिटायर हो रहा हूं इन सब वीडियो से😂

[@desertstorm04]

good, thx.

[@shalinchhaya]

What will be the multiplier if retirement age is 45?

[@dharmendragupta6698]

I want to take retirement at 56 and with no liability for education of children, how should I go about when I have 6 lakhs expenses annually

[@RX-Ani]

It all depends what life style we want after retirement

[@Nidhi.pranchal]

Please analysis video for financial independent/early retirement portfolio in india.with assets allocation? Dividend income? Rental income?debt income?

[@arkendukundu2478]

3 yrs corpus in debt and rest in equity in good enough. Market wont remains down for 3 consecutive yrs as per history. Whenever market is down by more than 5%, stop withdraw from equity and withdraw from debt fund. Also need to take a very good health insurance coverage.

[@krishnakanojiya3041]

Thank you

[@maneeshseth6657]

Swatiji- what would be the average return of Balanced advantage funds, which are usually employed as a SWP vehicle for generating post retirement returns?

[@MrShivrajansingh]

0:28 4. Please consider tax

[@wwehighlightswwe8671]

Swati Good video

[@rameshkumaryathirajyam9819]

Clarity given by the advisor Invest 40% in Equity funds and 60% in debt funds . It will give the required balance in any scenario

[@tajaswini7947]

22:44 mujhe khuch samjh mahi aya.mam.. mujhe ab retire hona hai age 48 jai aur husband 54..mf me 60 lac invest kiya hai jo ab 80 lac hai...25 lac abhi beti ke study ke liye fd se fix amount le rahi hu...3 saal baad wo free ho jayega...wahi amount uski marriage ke liye rakh dungi ...20 lac ppf se milenge....kya startagy fallow karu...ye bad pakki hai ki ab job ka mood nahi....

[@ashitnalawade]

मॅडम ne no.दिया है uspe sawal pucho aap

[@manojsuri007]

3 percent withdrawal rate is poor. Financial advisors should have more confidence in telling to withdraw 6 percent otherwise no need of financial advisors at all.

[@abhigoel1508]

Kio bata gya kon sa mutal fund sahi haii

[@mayankgupta3820]

Mam bajaj long life goal plan best hai retirement planning ke liye

[@Sonu-cv8ym]

He’s giving totally wrong information who has 8cr at the age of 60 please don’t waste people time Thank you

[@SM00735]

This vdo was not for nashedi ganjedi 😂

[@ratanchatterjee1655]

Very useful discussion but I don't agree 100% with the advisor as your logic is correct what we generally maintain without equity corpus cannot made thank u swati hi God bless u.

[@NeerajGupta-lr6rj]

Namaskar mam I am 60 years old, mam mujhe 30 lakhs ki swp karna h aur retirement ke baad mera koi income tax nhi aayega please suggest kare

[@mohdzafar5829]

Nice

[@piyushpandey4789]

Ma’am inflation se link karna ek example se samjhayie please

[@SHALEENDAVE]

For eg. Is saal ka kharcha Rs 100 hai, aur inflation 5% hi hai, to agle saal ka Rs 105 hi withdraw karna hai, chahe 3% withdrawal rule apko Rs 107 hi withdraw karne ka kyu na kahe.

[@dhaneshlodhari9725]

Why 33 times need at age of 60? May keep 15-20 times and starts SWP after invest in mutual funds.

[@DeepakMishra-wv8ds]

Thank you for this video But am not agree with this kind of thing India growing stage per ha aage jaker debt ke return 2 se 3% tak aa jayenge yeh koi shocking jaisa nhi ha chahe market kesi bhi ho market long run mei recover hota ha late ya earlier doesn’t matter I will go with 100% equity

[@SHALEENDAVE]

Can't Bank on to accumulated corpus only. Better to gain some other skills to have additional income like teaching, content creation or consultancy work or earn rentals on real estate

[@vkarkhanis]

Also I would suggest do not discount atleast one kid's expense, because even after retirement the kids expenses reduce, but still the medical expense can grow. Most of the health insurances cover only hospitalization. If any nursing or domestic care unfortunately occurs then it will be out of your pocket

[@ulhasnimbalkar7276]

👌👌👌👌👌❤❤❤❤

[@akhileshchandra2702]

Madam when will u retire?

[@shankarrawat2365]

Return ko 7-8 % se jyada except nahi karna chahiye

[@rajrana4729]

Mam if I wants to retire today on average experience of per year which is 800000 and multiple the same by 33 it is around 2.6 cr and I might not take any risk and put that money in Bank FD @ 7%and I will get 18 lac per year and 1.5 lac per month

[@atuljain2100]

Abhi to aapka kaam chal jaiga but jaise jaise aapki age badegi mahgai bhi badegi abhi jo 1.5 lakh aapko acchhe lag rahe hai after 3 to 5 years issii 1.5 lakh ki value Inflation k karan 1.0 lakh reh jaigi.

[@-adityasingh]

In a safe zone, a retirement multiplier should be 50 of your annual expenses and living in your own house and withdrawal limit of 4%.

[@rajrana4729]

@@atuljain2100 bhai hum log ek insan ki bat kr rhe h jo aj retirement le rha h or aj uske salary around 70000 per month h or agr aj uska retirement goal achieve krta h to o 1.5 lac per month earn krega inflation to aj v h to uska gujara 70000 m kaise chl rha h

[@RohitKumar-zr3pz]

3.5% with draw karo 70% debt me 7% ROI And 10 % roi in equity . still 44 years tak fund chalega.

[@PRADEEPGUPTA-zt4sv]

Mam mere ye sabhi lumpsum fund hai, But mera ek problem ho gaya hai ki mene apna ye sabhi lumpsum Angle One application se kr liya hai to uski wajah se ye sabhi fund DEMAT holding me show krti hai , or mujhe abhi hi pata chala hai ki demat holding me mutual fund hone ki wajah se me future me inn sabhi funds me SWP ya STP nahi laga skta , so please mujhe iska koi solution bata dijiye...........??? QUANT LARGE & MIDCAP FUND 100000 QUANT SMALL CAP FUND 45000 ICICI PRUDENTIAL BLUECHIP FUND 100000 TATA SMALL CAP FUND 95000

[@uv-fs7xt]

Kese pata chala SWP nahi hoga bolke

[@Rishu.Kumar.]

Mam Kindly get my pf reviewed pls Monthly sip of 45000 (15000*3 funds) 1. Parag parikh flexi cap 2. Pgim mid cap opportunity fund 3. Axis small cap fund All in equal portions Horizon - 10+ years

[@pnnaik8973]

Dear Swati ji please give us information of free and paid websites where we can track our mutual fund gain. Xlrr etc

[@kalpnakulshreshtha4076]

रिटायर होने तक बच्चों की पढ़ाई समाप्त हो जाती है। तो मासिक खर्चे कम भी हो जाते हैं।

[@SHALEENDAVE]

Bachho ke sare kharcho ko medical kharcho se replace kar dijiye

[@ramraodeshmukh9196]

Actually in India how many people get retired at the age of 60. In reality standard retirement age is 58. All private corrporate employees retire at 58. Govt plans also not favourable for 58 years retiree's. Even all the you tubers considers age 60 for their video. Only govt employees get retired at 60 and they receive handsome pension.

[@babumajoomdar5940]

The discussion is creating lot of confusion and not understood what the speaker wants to say.

[@unikpanchhi3921]

What's app par reply nahi dete hain to number show kio karte hain

[@abhigoel1508]

Correct 💯 baat

[@BWealthy]

हमारी कोशिश होती है कि अधिक से अधिक लोगों के सवालों के जवाब दिए जाए। लेकिन सवालों की संख्या इतनी अधिक होती है, कि कितना भी कोशिश कर लो, कुछ ना कुछ छूट ही जाता है। साथ ही, अधिकतर सवाल, पोर्टफोलियो रिव्यू के लिए होते हैं, जो हमारी priority list में नीचे होते हैं। कृप्या ये पोस्ट पढें - kzbin.info/door/thN3CTgZY0WIE9A5u1Qcewcommunity?lb=Ugkx1C_jnuHpn1LFX65lowGrR1L1MopPHSId Stay Blessed, Healthy & B Wealthy

[@puneetseth7042]

Very well explained . I have read the research paper and in it investment in gold is also recommended in ones portfolio. In which form gold should be included in the portfolio. Kindly make it clear.

[@abhigoel1508]

@@BWealthy ma'am kitne baar kuch questions poocha ki try karta hai aaga future investment ki information but apka na WhatsApp par reply aata he nahi , ek normal person ki kuch queries hoti related something but you are not reply

[@starni30]

Mam.... whatsapp to karte hai per aap reply nahi de paati hai

[@shreyasvithlani528]

Bro was damn defensive. Who is going to put 10 years expenses in FD? Explore HDFC BAF's 10 years return. You won't disappoint. 10 years in FD, I think not even Swatiji can agree.

[@amitbhandari9242]

Mam aapke no par maine ek qsn Kiya tha aap n Ripley nahi kiya I am waiting mam

[@BWealthy]

kzbin.info/door/thN3CTgZY0WIE9A5u1Qcewcommunity?lb=UgkxLBrK9PBLNti9VmhuqiU8gbw6L2Lbrihw Stay Blessed, Healthy & B Wealthy

[@batmanz.]

Why merge equity & debt... Have fixed income like scss, pmvvy, pomis as fixed income few other fds generated for the couple which is more than enough to make 14 lakh per year paying 0 tax. If need more create HUF. Then park rest all the money in risky equity if need more sell during all time high only

[@madankulkarni1715]

Madam, Notice the patterns most of the finfluencers floating through YT headlines . Retire at 35/40 , FIRE , 5cr in 10 yrs, MF with 68.7 % return , Best MF of the year, .......so on What they achieve by retiring youth at 35 or 40 ? Play games and earn passive income. ?? The MF educators never attach any absolute values of returns in their analysis. For common retailer it's hard to distinguish between the two & resist sweet coated greed. No one likes fundamentals till loosees plenty of hard earned money. India needs Ratan Tata in every sphere.

[@religionofpeace782]

Lets expect life expectancy 150 years..instead of 90 years. I am including rebirth as well.

[@JaisaTumbole]

सर्दी आपका रिसर्च बहुत अच्छा नहीं है मैं 55 साल का हूं जब मैं 40 का था तब हमारे घर का खर्च था आरएस 5 लाख सालाना और आज भी 5 लाख की सालाना है तब बच्चे पढ़ते थे अब बच्चे कमाने लग गए हैं लड़की अपने घर सेट हो गई है लड़का जर्मनी चला गया है अब बताइए कैसे होगा

[@joshiramesh50]

Exce me dikha ke samzana chahiye

[@jatintriveni5276]

Hello ..i have mailed a portfolio review. Kindly reply .Thanks in advance

[@shankarrawat2365]

Retirement age 60 ko consider mat karo,age 50 consider karo ,60 k baad insan jinda hi kitna rehta hai maximum 10- 15 saal

[@iqbalmohammad6095]

Mai 43 me hua hun

[@Mahtab905]

Sidha kahdo na ki ham logo se ye nahi ho payega kuchh lakh jama karne me fat jati hai tum log pata na kai cr ka bate kar rahe ho ham to bas 1 cr bana kar bhi apna baki ka jindagi aran se ji sakte hain jada geyan mat pelo hamare abbu koi paisa jama nahi kiye apne liye han kuchh jamin jarur liya hai unhone ne lekin unka jindagi ham sab se santi or sukh se chal raha hai pichhle 15 sal se or netx 20 se 30 sal badya hin chalega unka belkul sukun se or aise hin hamare gaw me sabka jindagi maje se chal raha bai kisi ko koi dikkat nahi hai tum sabko dekh kar sun kar log to tension me hin apna jindagi kharab kar lenge ham bhi mutual fund direct stock me paisa dalte hain lekin bindas ghanta ham kuchh nahi sochte ka milega ka nahi jab milega tab dekhenge abhi se hin ghanta sochte return bhi badya mil raha hai abhi ghat kar adha bhi ho jaye paisa fir bhi ghanta tension nahi han Lekin paisa tabhi nikalenge jab 15% se jada return dikh raha hoga bas sample jada tam jham kuchh nahi 8cr ka tension de rahe ho tum log aisa thori hota hai 1cr ka target do be garib logo ko badya jindagi chalegi 1cr me bhi aj se 20 sal bad bhi

[@sumanchatterjee1881]

Bola jata hai senior citizens in India "dying rich but not living rich". This person's theory will certainly support it. Personally I don't accept.

[@gamezy4674]

His calculation has a major flaw. Suppose i accumulate a corpus of 5crore by investing in volatile asset which is equity. So i need to withdraw 50% of that amount and deposit in debt fund. Has he calculated 12.5% capital gain tax? Plus 15% surcharge for amount exceeding 1cr plus 4-5% edu cess charges.. We don't know the market will crash or not at the time of retirement but we are definitely handing over approx 35% to govt😂 and this is today's tax. Imagine the taxation that will be imposed 15-30years later. Second you are assuming equity gives only 12% return. But what if equity gives you 15-20% returns because mid-small cap funds have generated 20-25% returns in past 15years.now i know we can't expect so much return in thr future but if i even assume 15-17% returns by opting for bucketing strategy my 50% corpus will grow by humongously. Also i would suggest rather than withdrawing entire 50% and puttin in debt.. Just withdraw 5 years money and deposit in debt fund. And do not touch it.. Assuming it will give returns inflation adjusted of 6-7% your corpus will remain intact.. Equity though volatile doesn't not crash every year and 10-20% correction wont impact your portfolio so much.. Keep your withdrawal to 3-4% and when there is a crash of 30-40-50% then stop swp from equity and start swp from debt fund.. No market crash lasts for beyond a year or 2 years in the worst case and when it recovers it gives multifold return

[@mdariz1794]

Dear jab itna paisa ho tou kisi experts ki kya zaroorat? Aisey hi achhi zindagi sahi hogi...

[@gurunguns06]

It is like we need $1million (~8Cr) ...as per him people in America & India need similar retirement corpus...🤔🤔

[@hozaimr]

No... 8 cr is a figure which 5lacs current expense family need 20 years after... its not same as an American family

[@gurunguns06]

@@hozaimr 5Lac means around 42K per month currently...which is almost close to most middle class indian families including rent... So he is saying they need $1million after 20year as retirement money??🤔🤔

[@pradeepkrmahato7234]

XIRR Returns 36% Return hai 4 years Complete ho Gaya hai, har Saal kitna Return mil Raha hai 🎉🎉

[@religionofpeace782]

36%. Khud toh bol rahe ho xirr 36% hai.😂

[@gyanjutsu5529]

It's very person to person and family to family as per their needs, Lifestyle and liabilities.....it's not true