10 RULES of INVESTING for Smarter & Faster Financial Decisions | Learn Basics of Investing

[@mayanktiwari2498]

Not just 10 rules, these are 10 GOLDEN RULES!! Thanks for sharing this with us Mr. Shankar !

[@shankarnath]

My pleasure. Glad you liked it, Mayank!

[@rsubrahmanyam]

How can I reach out to you for personalised guidance?

[@rsubrahmanyam]

How can I reach out to you for personal guidance?

[@shankarnath]

@@rsubrahmanyam Hi. I am coming up with a paid consultation module very soon. Please allow me a week or two to release this.

[@gmsubu]

Very good collection of handy rules. As a retiree, I found the rule of 25x to be useful. If your monthly living expenses is Rs 50k, the annual amt is Rs 6 lakhs. Rule of 25x says, your retirement corpus should be 25*6= Rs 1.50 crores. This rule works more or less in the practical world after accounting for inflation. The inverse of this rule is called the 4% rule. You can safely withdraw 4% every year from the retirement corpus every year and ensure you don’t run out of money till the end. Of course this rule needs to be fine tuned to suit the individual and circumstances.

[@shankarnath]

Glad you found it useful 🙌

[@adipradeepmummadisetty3440]

one thumbs up for your teaching and one thumbs up for your Graphics and that Graphics designer who is showing you in different ages .. shapes and shades...!!

[@shankarnath]

Thank you very much. I used a Snapchat filter named Dmoney to record the teenage me. But yes, it was quite a challenge because ideally we should have used the Time Machine filter but they doesn't work on many Android phones. So my editor had to do some extra work to get that right. It's come out well .. appreciate it!

[@np2819]

This should be taught in school. Or as indction during joining for a new joinee. Thank you sir.

[@shankarnath]

Most welcome. I'm glad you found it informative

[@biswajitchattopadhyay1141]

Very nice your statement with basic share trading, I am realized the matter totally. Many thanks

[@shankarnath]

Most welcome! Glad it was helpful 🙌

[@raghavvendra]

Xcellent information with 10 rules with realistic examples. No doubt it leads to economic growth 🎉 thanks a ton 🎉

[@shankarnath]

Glad it was helpful!

[@sandiphalder3027]

11. Rule of 1/3 of Income 1/3 Income = min savings or investment 1/3 Income = max expenditure 1/3 Income = max Rent or Loan 12. Rule of 3x Bank Accounts - for Salary, Investments & Expenditure 13. Rule of Emergency Fund = 1x Annual Expenditure 14. Rule of Retirement Corpus= Annual Expenditure at the age one plans retirement x 20~30 times 15. Rule for Buying House= 5:20:40 = 5x Annual Income to be cost of house, 20years loan period, EMI @ 40% x Income

[@ramsankarchandrasekar8959]

The 12.2% rule has more practical use than any other thumb rules 👍

[@shankarnath]

Glad you found it useful

[@rajkavi1977]

Thanks

[@shankarnath]

Hi Rajesh. Thank you very much for your kind appreciation and this gratuity. I'm glad you found this video useful. Please do go through some other videos on my channel and also share it with your friends.

[@lordrdx666]

Sir ji, 10 plates of Chole BHATURE in lieu of 10 golden rules of investing. How & where to deliver my food content to you? 😜🍲

[@shankarnath]

Thanks RDX. How about 18th or 25th of March? Connaught Place?

[@lordrdx666]

@@shankarnath sir, jahan bolenge! Shall I DM on IG for the dates & details?

[@shankarnath]

@@lordrdx666 Yes please

[@ChaitanyaRK5]

Most underrated channel 🙏🙏🙏

[@shankarnath]

I appreciate that!

[@divyamjain6969]

Thanks Shankar for all your teachings. Getting really good value from your videos.

[@shankarnath]

Thank you Divyam for this kind gesture. I am glad you are receiving good value and learnings from my video. Do share it with your friends and well-wisher & help me spread this knowledge to more and consequently grow this channel. Thx again!

[@amolmali3583]

One of the most Informative video I have ever seen. Great content. Thanks a lot for sharing this useful information.

[@shankarnath]

Glad you enjoyed it! Most welcome 🙌

[@balajiv1828]

Hello Shankar, formula of 20k is the best. As You said instead of looking at crores one can You this formula to plan investment for retirement. Thank You

[@shankarnath]

Most welcome Balaji.

[@sagarnalawade1543]

Very usefull content ...If I came accross such content before 10 yrs I could have much savings right now

[@shankarnath]

Glad you found it useful

[@Iva428]

Thank you for the information. You have explained all of them so well.

[@shankarnath]

So nice of you, glad you liked it.

[@mohammedrafishaikh7544]

Great Sir, all the tidy concepts are clear through your posts Thank you

[@shankarnath]

Most welcome. Glad you found the thumbrules useful and you'll apply it in your everyday financial life

[@vikram0607]

The 12.2 rule is a new one which I didn't know about. thank you for sharing this. Love your way of making videos sir. Never stop them 🙏

[@shankarnath]

Thanks Vikram. The 12.2% is something I discovered and I've been using it for the last year or so in many of my calculations. Try this calculation on Google: 1.122^20 .. and you'll see what I mean :)

[@vikram0607]

@@shankarnath does it mean whatever you invest in equity will become 10x in 20 years?

[@angadkhandekar8280]

Nice Learning Shankar ji 🙏

[@shankarnath]

Thanks and welcome

[@TheYasinsonu]

Thanks a lot for providing valuable content.

[@shankarnath]

Most welcome. Glad you liked it

[@knduraidurai3505]

Very useful and eye opening rules for beginners like me.

[@shankarnath]

Glad it was helpful!

[@harishbsbillionaire1799]

one of the best financial channel. Good!!! Keep going.

[@shankarnath]

Thanks a ton

[@faheemhasan3902]

Amazing communication skills with great clarity of thoughr. Very well presennted video for people to learn. Your videos are very informative. Keep up the good work

[@shankarnath]

Thank you very much!

[@rajkris411]

Very clear and simple

[@shankarnath]

Glad you liked it

[@tejasnatekar4241]

Thank you Shankar sir...the way you talk is comforting and calming...above everything else, the videos are very informative and unique from other channels.

[@shankarnath]

So nice of you. I am glad you are finding the content and presentation to your liking, Tejas

[@akashrgh]

Great video specially the 12.2% rule

[@shankarnath]

Glad you liked it!

[@pardhumurali1206]

Your videos are very unique and have lots of info. Thanks for sharing the info.

[@shankarnath]

So nice of you. Glad you like them

[@satyaswaroopc5865]

You are a great guide, thank you for all your videos

[@shankarnath]

Most welcome. Glad you like them!

[@deepeshkumar100]

Thanks Shankar, you are one of the best Finfluencers out there. Learning a lot from you. Also attended your Webinar also, found very enriching.

[@shankarnath]

Thanks a ton Deepesh. Happy to add value & play a small part in your financial journey

[@kattimanishivkumar4763]

Excellent presentation and valuable information, thank you very much sir, God Bless you always

[@shankarnath]

Thank you very much for your kind appreciation and encouragement, Mr. Shivkumar

[@SuperAkhil111]

thank you for share rules 🙏

[@shankarnath]

My pleasure!

[@vishvajeetmoyon3235]

Apart from content, u are the only one who has talent of making thumbnail at par with dhawan sir

[@shankarnath]

Thank you very much

[@harvindersingh-ld1cm]

Very good and informative nicely presented!!!

[@shankarnath]

Glad you liked it! Thank you

[@pardeepkansal7550]

Very useful 👌

[@shankarnath]

Thanks a lot

[@esabelpaul1382]

Hi shankara gr8 perfection it makes u think at every point either you are earning or investing

[@shankarnath]

Cool 🙌

[@ninaddeshmukh3547]

If income tax on interest accrued from FD is taken into consideration or capital gain tax on equity sell (after 1 year of purchase) is considered then I could see lot of variation. Can you please explain with example as at one point of time you are going to liquidate the investment.

[@shubhucd]

Amazing video

[@shankarnath]

Thanks!

[@ej_whistleblower]

Amazing rules! My favorites will be 6th and 9th.

[@shankarnath]

Perfect. Glad you found these useful, Ejaj

[@tejjchahal3654]

Good rules

[@revanthgowd5744]

Thank you for the useful content 😊

[@shankarnath]

Glad it was helpful!

[@Anbu-Ini]

Thanks for the wonderful content Shankar sir..

[@shankarnath]

My pleasure, glad you liked it

[@arindamandybhattacharjee1406]

This is an extremely helpful video, Mr. Nath - thank you so much for making such videos!

[@shankarnath]

Glad it was helpful! My pleasure

[@vivekyadav-qs4yy]

Very good knowledge..

[@shankarnath]

Thanks!

[@rejimphilip]

Very helpful and useful video.❤

[@shankarnath]

Thanks, glad you liked it

[@muniprakashganji4978]

I am always amazed and every video I watch ,i will learn something new and value added to the time . Appreciate your efforts🎉

[@shankarnath]

Most welcome. Glad you found it useful and informative

[@atulmittal8195]

Sir with the kind of content you provide, and the knowledge you have, your channel deserves far more likes and subscribers

[@shankarnath]

Thank you for your encouragement and vote of confidence, Atul

[@dineshkm7832]

Thanks for sharing this with us Mr. Shankar !

[@shankarnath]

My pleasure. Glad you found them useful

[@krishnakumarsubramaniam5312]

Great , very educative video with some good insights! I categorise this as Good KT Videos!

[@shankarnath]

Thanks! Glad you found it useful

[@swapnilsapkal2391]

Amazing video brother ❤

[@shankarnath]

Thank you so much 😀

[@vinaypatidar5901]

Thank you sir.

[@shankarnath]

Most welcome 🙌

[@sreem27]

Sir, you always deliver the best financial planning content - it's like your videos are the 10 commandments of personal finance.

[@shankarnath]

So nice of you. Thank you very much, Sree

[@AshokKumar-2113]

Excellent quality 👌

[@debajanisarma1673]

​@@shankarnathSir no one explains like you. SHARED.

[@deepuraju5609]

Hi Shankar Sir, I fallow your videos regularly and i feel they are very usefull. With your knowledge can you plan to make some videos for kids aging more then 11years which will help them start thinking on finance management or publish a course in online which they can subscribe and attend. I feel the way you explain and cover the concept will enlight young minds and this kind of education is not covered any where. Kindly think about it. 😊

[@shankarnath]

Thank you for your appreciation and suggestion

[@Amittraajpoot]

Thank you ❤

[@shankarnath]

Most welcome

[@anujoybardhan]

Thank you Shankar for a video with these consolidated thumb rules, it really helps with quick comparison between two instruments. Looking forward to your next insightful video.

[@shankarnath]

Glad you liked it, Anujoy

[@sourabhbhattacharya3411]

Wow...very very very helpful video

[@shankarnath]

Thank you. Glad you liked it

[@vishnurajmr9323]

I'm the first one to comment even before watching. Always waiting to listen to you dear sir, absolutely great way of presenting great ideas.

[@shankarnath]

Thank you Vishnuraj. I'm glad you are enjoying it. You are right - both, presentation & content is important when using an audio-visual media like videos. Infact I just recorded a video on "My First 100 Days as a KZbinr" where I want to share my experience with everyone because it's very likely that a majority of us will have to be a content creator in some capacity like speaking on a podcast, writing an article on Linkedin, making a presentation on a webinar, addressing a group of students etc. I hope my experiments, trials, tribulations & successes can accelerate that process for others.

[@vishnurajmr9323]

Thanks for replying sir 🙏. Now I watched your investing in oneself video also. Many videos I'm watching multiple times and feeling the authenticity of content and presenting. Keep enjoying your journey sir 🙏

[@shankarnath]

@@vishnurajmr9323 Thank you very much

[@5966ramesh]

Superb video. I am sharing this video with my friends and family members. Thank you Shankar Nath.

[@shankarnath]

Most welcome 🙌

[@Rajesh.A]

Thank you Shankar, complicated things taught in easy to grasp way. I do the same mistake of averaging down. Stop loss at 30 % is like enlightenment for me. Thank you. I did watch ur video in MOmf regarding FAB plan 👍🏻. Best wishes

[@shankarnath]

Thank you very much, Rajesh. Yes, it's a struggle for me everytime a stock goes below 30 but somehow I have learnt to be discompassionate about it

[@nabeelnm7183]

Does rule of 72 also applies for SIP mode investment??

[@technologytheoryhandson863]

Insightful sir..very userful..

[@shankarnath]

Glad to hear that. Thanks!

[@manishatulpule7222]

Great. Thank you very much

[@shankarnath]

You are most welcome!

[@amareshpradhan5160]

You are good . Thank you

[@shankarnath]

Welcome 😊

[@yournextdoortraveller]

Awesome content explained in a very crisp and clear format.. 🙂

[@shankarnath]

Thanks a lot

[@anshulbachani4812]

Great 12.2% rule

[@shankarnath]

Glad you found it useful

[@wisdomhatchwithsuresh]

Anna nenga podra videos ellam super ah irukku

[@shankarnath]

Thank you Suresh

[@satishrana9735]

Very Useful.. especially for younger & New investor

[@shankarnath]

🙌 Thanks

[@SS-yn3qu]

Thanks Shankar ji On the stop loss rule is it 30% down from your buying price OR 30% down from the peak after you buy ? Thanks

[@shankarnath]

Most welcome. It's 30% below my buying price

[@AnyTopicYT]

As always, outstanding content. Thank you 🙌

[@shankarnath]

Most welcome. Glad you found it useful.

[@parthaaec07]

This is full of golden strategies

[@shankarnath]

Glad you found them useful

[@drpjmahanta1896]

Great content for the CHILD of all ages, who are pursuing personal finance. Please enlighten us Mr Nath, always.

[@shankarnath]

Thank you Dr. Mahanta. Reminders are always useful .. or as they say: "classics never die" :) One of the thumbrules (12.2%) was special in my case, as it made it easier for me to pursue a 2nd career. Many times how an answer is shaped is as important as the answer

[@vineetb4996]

Once again very useful and informative video Mr Shankar Ji ! Thank you for this amazing content !

[@shankarnath]

So nice of you. Thank you for your kind appreciation, Vineet

[@irshadb007]

Nice content, thanks. Maybe someone will put these formulas in an app or Excel

[@shankarnath]

Most welcome

[@swapnilsapkal2391]

Good video

[@shankarnath]

Thanks

[@chatenrk]

On the point of 20X times current income as a thumb rule for personal insurance, does it not need to scale along with your income increase. Also what is the best time for applying this number(interms of age). 1CR policies were really the trend 8 years ago, but given how the inflation is today, do you see a reason to top this up

[@shankarnath]

Yes, it should. Thumbrules are never detailed but for specificity, I have covered this very point with a detailed calculation in my video: kzbin.info/www/bejne/iHq4imRobKysrqc

[@jimrockss2432]

Stopped watching @ the 11th Sec. Thought of liking the video first. OK, now lemme watch the video. Thanku!

[@shankarnath]

Hope you liked the content. It's simple yet useful.

[@shade1697]

Amazing content Sir 👌

[@shankarnath]

Thanks a ton

[@AVIK568]

Excellent video sir

[@shankarnath]

Thank you so much

[@sudhirbawa9307]

Excellent

[@shankarnath]

Thanks!

[@earnestjerome]

Thanks for your valuable insights.. the rule 15k * 12.5% * 15 years says some X amount you can get by investing in this principle.. my question is, in what all categories we should split this 15k to make this rule a foolproof?

[@shankarnath]

Most welcome. There is no general formula for this and impossible to say what will work and what won't. It's more to do with one's own preference and I would have been most comfortable with a combination of 12k in multicap and 3k in an international fund. Do watch my video where I have explained it in detail (link: kzbin.info/www/bejne/mH-YgpeujpiFjNU) .. hope this helps

[@earnestjerome]

@@shankarnath Thanks for your time

[@user_ssp]

I'm most intrigued with 12.2% rule but I still don't understand how you did that calculation. For example if a 30 year old's monthly expenses would be 1L/month from 25 years from now when they'll be 55 so how should they calculate how much to invest using 12.2% rule?

[@shankarnath]

12.2% is not for expenses, it's for growing wealth. Simple rule -- 1.122^20 = 10 .. so if you need to grow wealth to 10x, keep today's money in an instrument that gives 12.2% returns (most flexicap or multicap funds will fit the bill) and in 20 years, you should come close to 10 times -- that's the math of it

[@satishrana9735]

Shankarji One more Thumb rule is whenever market falls by 10 -15 % , its a easy time to Buy Stocks or do Lumpsum payment of MF than doing SIP. As Indian market is more volatile to domestics and various Geo political reasons, this opportunities come Twice in year. One Can easily wait and watch. This is similar to one video of SIP when Nifty is trading above 22-25 PE.

[@shankarnath]

Thanks for sharing, Satish ji. Two related queries: a) What should be the dip value i.e. 10% or 15% or something else? b) What should be the lumpsum multiplier i.e. if SIP is 1000 rupees then then how much to buy on lumpsum - 5x or 10x I'll want to plug these numbers in my excel and see the results. Ofcourse, the performance will be up but want to know by how much :)

[@satishrana9735]

@@shankarnath please take this in QA session and for Education Purposes. Sir my question is Larsen & Toubro Infotech Ltd and Mind Tree merger happened and the Market price is INR 4850/- so is it reasonable valuation after merger to buy, SO going Forward HDFC LTD & HDFC Bank are going to be merged so is it going to be Beneficial for retail Investor like us . Should Retail Investor BUY HDFC LTD & HDFC Bank NOW or wait till it get listed and than BUY . Thanks in Advance

[@satishrana9735]

@@shankarnath NAV value will be cheaper when Market Falls 10-15 %, Also Units availed will be much more than a regular SIP . Another perspective in current Scenario stocks Like Asian Paints and Pidilite have Fallen 10-15 % from their High. Can Invest in them when such volatility happens

[@DiabloNemes]

@@satishrana9735 but the P/E ratio of pidlite is too high🙃🙃🙃

[@satishrana9735]

@@DiabloNemes The price is stretched and overvalued, Fii are selling above share . Wait for few days and price will come to reasonably sensible value .

[@leninbabu8310]

amazing shankar sir

[@shankarnath]

Thx. Glad you liked them

[@dhirendrasingh3136]

Very Great Content as you describe the content already i am familiar but the way you explained i like it very much.😀Sir can you make some video or training material for medium learner for stock selection under the thumbnail DIY.Thank you very much

[@shankarnath]

Most welcome, Dhirendra ji .. school mein padte the na: "the answer and its working - both are important". Same way, the content & presentation goes together :) Also, thanks for your suggestion. I plan to make some online courses 4-5 months from now, once I have collected more info & feedback from viewers

[@dhirendrasingh3136]

Sir i have to learn a lot from you. Like you as a mentor blessing for me

[@deivas1425]

Awesome contents as usual Mr. Shankar Ji.. Keep doing the same.. 🙂.. hats off to you for your great presentation..

[@shankarnath]

Thanks a ton, Deiva. Appreciate your kind words

[@Rohan.-7]

Hello Shankar, thank you for putting out some very informative and interesting content! I have a question - is there any way to track the realtime underlying NAV of Nifty Bees since the traded value may be at a premium or discount to the underlying value. I tried searching on the internet but there doesn't seem to be any reliable source.

[@shankarnath]

Most welcome. Apologies, I haven't come across some way of real-time tracking. Let me circle back if I find something

[@AP-qj9qu]

Please make video on health and term insurance Is it useful and what is the criteria to select

[@shankarnath]

I'll try. Thanks for the suggestion

[@DEEPAKSEHRAWAT11]

Sir, do you give financial advice ? I need to invest alot of money after selling a real estate. Need help.

[@shankarnath]

Very sorry, I don't do 1-vs-1 financial consultations due to paucity of time at my end. The effort needed in making every video is quite a bit .. and 2 long videos & 2 short videos per week takes all 7 days of the week. I'm trying to find better solutions but am a bit handicapped currently.

[@mohan7642]

Very informative Content Mr.Shankar like always. Couple of Questions : Some fundamentally strong stocks fall by 30% due to various scenarios, like Dixon share recently falling around 30% in last 6 months. would you completely sell all your stocks or any thumbrule to sell partially. 2.Revisit your purchase after 1 week is a good strategy, I'm trying to follow this for stocks also watching it for a week or 2 if it will be available at discount, do you follow this for investments also or only for buying ? one of your point 20Y investing for 10X return is a good idea. But with what I've seen for retired people major expenses or their wealth erosion occurs on big ticket expense - something like children education & marriage, house renovation or their parents hospitalization (majorly no medical ins is not covered for 80+)

[@shankarnath]

Thank you very much 1. Well, I might not have bought that stock six months back at a PE of 180. I generally keep away from low margin businesses due to the sensitivity factor & Dixon Tech is a 4% operating margin business 2. Yes, I follow the 1 week strategy for stocks aswell. There is a beautiful talk (not sure where I watched it) on how some procrastination is actually good and people make better decisions that way. So the sweet spot is between hurried decisions and never taking one 3. I would say different goals require different treatments. Same way, if guests are coming to my house, there will be different dishes as compared to when it's just me (daal chawal) or when my niece are home (french fries & burgers). The same applies here .. big ticket purchases need to be played on a different pitch and household expenses should have a different thought structure

[@mohan7642]

Thank you Mr.Shankar for your reply. I'm truly your fan I loved your replies. Thanks Mohan

[@cvramankishore4u]

i feel subject should have been 10 key ratios of finance than thumb rules , but really informative video

[@shankarnath]

Thx for your suggestion. Glad you liked it

[@vaidyanathans1415]

When to book profit? When stocks are going up?

[@shankarnath]

Hi, the Latw William O'Neil presented 9 situations in which a stock can be sold. I have presented a list in a video, please have a look. Link: kzbin.info/www/bejne/mnvPg59mlq-Laas

[@ashishranjansingh]

You should start one more channel specially for the Hindi audiance...it will be a profitable investment..

[@shankarnath]

Thank you for your suggestion, Ashish ji. I will certainly consider it once I can sort out this current channel's output (time, personnel) and monetization.

[@Zoom_your_life]

Just owsam sir

[@shankarnath]

Thanks

[@rohithrkrao]

Gr8 video

[@shankarnath]

Thanks

[@riyakoley7074]

Nice video

[@shankarnath]

Thanks

[@prathameshjoshi6899]

12.2% Rule is interesting

[@shankarnath]

Glad you found it useful

[@shashidharreddy2959]

For retirement, if my current monthly expenses is 30k, then I can retire today only if I have 30k * 12 months * 30 years = 10 Cr. Shouldn't I be calculating the required retirement fund like this?

[@shankarnath]

Hello. 1. I've not come across a formula like this, maybe you can do some reading up on how to calculate retirement corpus 2. 30,000 multiplied by 12 multiplied by 30 comes to 1 crore (not 10 crores)

[@Yogee7777]

Thoughtful content $hankar Bro !! 😊. However identifying the 12.2% returns is the challenge, though we diverse the PF. More importantly consistency of % is an additional pain. Please explain on that area. I am regular SIP guy of index , small and international fund. Also i buy on dips as an booster based on the market movment. Infact i took 50% out when the market peaked last year and got my first new car. Now I am more of thinking, create a corpus through the funds and redeem it at the peak or some target amount - then purchase the AA+ AAA bonds. Continuing the sip by the payout earnings from the bonds. Though i am not sure, if i am doing right 🤔.

[@shankarnath]

Thank you & wishing you the best. I explained the consistency part with some data in my video on Nifty All-Time Highs (please watch from minute 3 to minute 6) Link: kzbin.info/www/bejne/lZ-3lZakmrGAodE

[@mohitoberoi4089]

Fully agree with your stop loss/averaging analogy. I too realized that I kept averaging down losers while not adding much to my winning positions

[@shankarnath]

Thanks for sharing, Mohit

[@vaidyanathans1415]

Are u recommending stocks/mf?

[@shankarnath]

I don't recommend stocks or mutual funds in my videos. I prefer presenting investing strategies, analyse sectors and some original work based on my experience

[@mohitoberoi4089]

On the asset allocation though I believe the rule is over rated. Buffett at 94 something is all equities n happy 😺