USA College Savings - 529 Plan / அமெரிக்கா கல்லூரி சேமிப்பு

[@SrinivasuluAchallu]

Majority of people fear what will happen if suddenly need to move to india. What will happen to our investment and whether we need to pay heavy penalty/tax to move money to india? Can you make video on this topic if possible in future

[@moral1234]

Vijay Mohan did mention about Roth IRA towards the end and that will be a good option in your case. Most companies these days offer after tax contributions towards the 401K account and people can contribute upto 55K. The gain out of the account is tax free. (this is on top of the 19.5K pre tax 401K and Roth limit that each family gets) You can withdraw the principle after 5 years with no penalty (keeping the gain intact). Hence this money can go for education expenses if the kid will do college in India as well. Best case if the kid finds some kind of scholarship, the money will stay intact in your account and will be your retirement income In the long run, 401K plans can grow faster than the funds offered in 529 - so overall this is a win-win. One thing important is that you will need to do a in-service conversion of the after tax money into Roth. Check with your company if they offer this.

[@InvestmentInsightsTamil]

As "Gp V" correctly caught the mistake in below comments, the 10% penalty is actually on earnings 67K and not on the total balance 172K as I mentioned in the video. Sorry for the confusion. Q&A Post: kzbin.info/door/Dovblgxr3wxx20RoolLHYwcommunity?lb=UgzdbffNhYmIH1mZ8ol4AaABCQ Related Videos: College Expenses in USA: kzbin.info/www/bejne/p37Eg59nrbWsj68 College Savings in India: kzbin.info/www/bejne/jH6vfKtqfbSKrJI Tax Saving Priorities in USA: kzbin.info/www/bejne/pHq4qZmJjaqXfrM 401K / ROTH 401K: kzbin.info/www/bejne/rYqQe6uknqablbc IRA / ROTH IRA: kzbin.info/www/bejne/o36XqpKliJqap80

[@gunasekaranrengaswamy6595]

Wish I lived in USA to take advantage of your wisdom and wise counsel! Excellent work

[@Swami07021985]

Sir, you're a genius. made my life easy with your pro-excel calculators and pro expert views. one of the best productive KZbin content I have ever seen on life needs and excel calculations. Stay safe and healthy. your financial awareness is very important for society. Keep continuing your great work.

[@InvestmentInsightsTamil]

Thank you for those nice words.🙏🏽

[@sathyaezhilan8287]

​@InvestmentInsightsTamil thank you,am a house wife.my husband is 49 and we have a 3 year old boy,we are very late in the game..can you advise good savings both for retirement and for kids education in usa considering our age.

[@sleelakrishnan]

எனது மனமார்ந்த நன்றிகள் உங்கள் தகவல்களுக்கு 😀

[@krantmin6095]

A lot of good info. I thought I knew enough about 529. But this video is concise and crips, gave a very good info.

[@raghunathkrishnan5124]

👉👉 Hi From California. This is Very informative. 👍👍👍👍👍👍 We were just about to get started for our kids and this vlog is super useful. ❤️

[@divyaneelamegam1784]

Hi Sir, we are lucky to know all these in our 20s . Thank you so much for sharing your knowledge.your videos are so addictive 🔥

[@sdb7282]

Nice content and explanation.. please do a video for those in H1b and for some reasons/max out return to India. Most of us fear, what will happen to investments, if in case we have return to India.

[@buddy_buddy]

Waiting for ur episode of Japan market bubble.... also tell this Namakkum US Market kum indha maari prechana varumaa nu...

[@anujdevan468]

you are great, thanks. This is a wealth of knowledge and in simple terms which a layman can understand

[@gpv2659]

10% penalty is only for the earnings and not for the contribution amount. Penalty will be 6.7k

[@InvestmentInsightsTamil]

Ah ha... thappu panniteney... thanks for correcting. Let me see how I can fix it in the video.

[@karthickc1988]

Firstly wishes for 50k. 🎉🎉🎉👍👍

[@duraisingamvelu]

Very informative Vijay, appreciate your social interest . All your videos are very helpful!!! Wish you good luck !!!

[@mageshp5998]

Can you help us to cover pros and cons of investing into the savings plans of both India born kids and parents?

[@angelinechandran]

Hi Mr VM.. I came across your channel recently, I am so glad that someone that has followed there own advice and succeeded is sharing there knowledge with our Tamil community. We are a young couple living in the US , our generational knowledge and saving practices are different from the US way of life.. Your videos have given us much needed "Insight" into saving & investing strategies. Thank you 👍

[@InvestmentInsightsTamil]

Thank you for taking the time to send that nice appreciation.🙏🏽

[@sangeethabalaji5942]

Hi Sir, Can an Indian living in India buy property in USA and rent it? If So, can we get home loan thru US banks as the interest rate is low in USA. Can you give some information on this? Thanks Sir

[@tvsnathan]

Thank you. Please give details for MS education expenses for the Indian students and ways to get the grant

[@razzak070]

Recently I subscribed your channel…your videos are very much informative…I’m living in gulf i want to invest in US for my children’s future education to study in US…. I can’t take nor benefit from interest directly/indirectly …can you make a video for such case many will benefit….by the way your tamil n presentation impressive 😊

[@silambu4493]

I can do more return on other investment plan such as individual brokerage account or ira or roth ira... rather I pay tax for that instead of low return investments like 529 plans......ideally this is the last option in your investment strategy , this is really a informative video thanks for that.

[@InvestmentInsightsTamil]

Well, it depends. Good that you are aggressive with your investments. Not many will like to take risks with their kids education savings.

[@SundarKothandaraman]

Thanks for most asked video.

[@kvisu2000]

Great financial education series Vijay. Thanks for your insights, your contributions would make many families realize their financial goals. Couple of questions: 1. What would be your recommended order of investment priority if there are mega backdoor Roth IRA options available in the workplace? Would it be above the 529 savings or below? In that situation, is it better to use mega backdoor Roth IRA as a substitute for 529 so it serves as dual-purpose? 2. Would you recommend starting a 529 savings plan for a 13-year-old kid now or is it too late? Also, the kid is still in H4 with a chance of not getting Resident status before starting college. This is the reason for asking the 1st question above for the dual purpose options.

[@InvestmentInsightsTamil]

1. It will be above 529. And Yes, we can definitely substitute for 529 and it has more flexibility than 529. 2. If you can do 1, then I dont see the reason to do this. But if you hit the limit in 1, then sure, you can use 529 to catch up for the balance. You still got 5 yrs.

[@kvisu2000]

@@InvestmentInsightsTamil Thanks for your clarity!!

[@ananthrangarajan239]

Hi sir. Great video. Ippo recent secure act la 529 changes pathi oru video podarengala? Looks like we can rollover 529 balances to Roth.

[@InvestmentInsightsTamil]

Secure 2.0: kzbin.info/www/bejne/e4evpZulYsloes0

[@sdb7282]

Much appreciated and congrats on 50k sir..

[@siva-arunachala]

Hi Vijay, Thanks for this great episode. My state offers up to 36K state income tax break per year for 529. If I contribute 5-year election up to 180K then how state income tax break will be applied?. only up to 36K or it will be distributed over 5 years that is every year for the next 5 years I can get the 36K income tax break. Please advise.

[@lingasamy123]

Good one my friend

[@sanjeevs3161]

Sir - awesome video as always ..! A quick question- can we rollover money from IRA / 401k into 529 plan by any chance ? Thanks

[@InvestmentInsightsTamil]

No we cannot.

[@abdullahmohamed3467]

Thanks for the good content! I have couple of questions. 1) You did not talk about ESA (Education savings account) plan. I heard ESA has more investment options than 529 plan. 2) You mentioned withdrawing roth IRA is tax free. Is it true for capital gain as well ? No Penalty / tax if we withdraw before 59.5 yrs age ?

[@InvestmentInsightsTamil]

1. Yeah, I should have mentioned that. Problem with that is the contribution limit. We cannot contribute more than 2K per year, which will turn out to be peanuts for the huge college expense. There is no special benefit that we get out of ESA which is not in 529. www.fbfs.com/learning-center/infographic-find-the-right-college-savings-plan-for-your-family 2. ROTH IRA - only the contribution can be withdrawn any time for any reason without tax or penalty. Earnings, if withdrawn for college expenses, no penalty, but we have to pay the tax on it.

[@aravindhanmurugesan2925]

Hi i am currently working in private bank. What course I should learn further so that I could get a foreign opportunity.

[@dhyaneswaran6380]

Hello Vijay.. Very good informative sessions. Great work in helping lot of people through your videos. For the Q&A session next week, My Question will be, Could you please explain about Backdoor Roth IRA and a quick summary of doing it. What will be the tax percentage that an individual has to pay when they money from Traditional IRA to Roth IRA through Backdoor Roth IRA. Thanks

[@magnuskitchen8763]

இந்தியாவில் வாழும் எங்களை போன்றவர்களுக்கும் இதேபோல் ஒரு வீடியோ போடுங்கள்.... நன்றி🙏💕

[@InvestmentInsightsTamil]

ஏற்கனவே இருக்கிறது. kzbin.info/www/bejne/jH6vfKtqfbSKrJI

[@magnuskitchen8763]

@@InvestmentInsightsTamil thank you

[@karthikKumar-ms2jw]

Hello sir, your content is exemplary !! Thank you very much ! I have a request, though its tangential to your channel's theme, pls consider. Can you share your life lessons, hypothetical If you can advice yourself at your twenties. What bottlenecks to expect, how to approach life etc. Thanks in advance.

[@InvestmentInsightsTamil]

Good suggestion.

[@gopim1014]

Sir. Please make more videos for people in India as well

[@valoriefalorie4223]

Sir please talk about Indian work culture vs American work culture and how should Indians over come this.

[@TheAshlymsc]

Thanks for the info👍

[@meeto81]

Very informative . thank You .. Are you planning on starting personal financial planner (of course with consulting fees) ?. Many might get benefitted as everyone’s situation is different .

[@InvestmentInsightsTamil]

Sorry. I am not.

[@RVS_MAS]

I dont havr time for 529 came late to US, what are the loan possibilities? Pls suggest

[@ashlyS100]

Thanks a lot for this video

[@subashthuraimoni7520]

Great sir..could you explain top universities in USA and top statewise universities public and private..

[@InvestmentInsightsTamil]

Check this out: www.visualcapitalist.com/best-universities-in-america-2022/

[@subashthuraimoni7520]

Thank u sir

[@karthikeyansugumar20]

Similar to 529 plan in US, is there any plan in india? Can you make a video on how to save for college fee in India?

[@InvestmentInsightsTamil]

It is already there. kzbin.info/www/bejne/jH6vfKtqfbSKrJI

[@b2Samaritan]

Thanks Mr. Mohan. Im planning to move to US. Can you please provide a guide to us who are moving with a comprehensive financial outlook?

[@InvestmentInsightsTamil]

Watch "Investment Priorities in USA" episode. That is all you need.

[@hamsinimalli1053]

Sir - Can you please share some insights about virtual gold investment in US ?

[@sandradeepa5917]

Hi sir, we just came m9ved in from india and by son in 10th grade already. Can I still contribute towards 529? We live in Las vegas. Please guide us.

[@mohanshaju]

Hi Vijay, Thanks for the detailed information on the 529 plan. I was told there is a drawback in 529 plan that if we take money from 529 for kids educations, it will reduce their Financial Aid. Can you please clarify or put a video on how the kids Financial Aid is getting impacted and by considering that impact still is it a good plan.

[@InvestmentInsightsTamil]

Not really. Check comments below.

[@umamaheswari1117]

Sir We are in h1b and USA stay is not permanent so cant go with 529 plan as we cant find other beneficiary also. can you please explain other saving plans for child education like UTMA /UGMA and other custodial accounts ?

[@balus4187]

Hi Vijay - your videos are very informative. can we use the 529 amount outside of USA ?

[@InvestmentInsightsTamil]

Yes, if the college is eligible. Check the description for eligibility check link.

[@VNKVJ77]

Thanks for another informative video, seems like there is no state tax break in California! :(

[@InvestmentInsightsTamil]

That is just an added bonus. The biggest benefit is tax free growth on savings.

[@subashthuraimoni7520]

Great sir

[@manivassakammouttayen2411]

Useful video.. can H4 residents use 529 plan. How does investment in 529 affect other merit based grants and scholarships..?

[@InvestmentInsightsTamil]

Yes they can. It affects only need based scholarships.

[@loveanimals-0197]

Is it still worth opening this account if a provider doesn't offer state savings plan for your state? i.e. is the state savings a big deal? How much approximately can we expect to save on state taxes if you're earning an average salary.

[@InvestmentInsightsTamil]

Yes, it is still worth it - especially when you have long time for the kids to go to college. Because, the capital gains are tax free (both federal and state) when we use the funds for college expenses.

[@loveanimals-0197]

​@@InvestmentInsightsTamil Yes, thank you. I opened it under my own name (until kid gets the SSN mailed to him). I am just going to put it all under the S&P 500 Index Fund and see how it goes.

[@zaataravi]

Link to the AMA Q&A forum, please? Also, excellent video on 529, 👌🙏

[@InvestmentInsightsTamil]

kzbin.info/door/Dovblgxr3wxx20RoolLHYwcommunity?lb=UgzdbffNhYmIH1mZ8ol4AaABCQ

[@CookingVegSimply]

Very informative

[@balamuruganj4665]

Hi Mr. Vijay thanks for your useful video. I have a question, will this 529 plan works for a kid who born in India and having ITIN and not SSN. Your answer will help me to start 529 plan quickly. Thanks

[@InvestmentInsightsTamil]

As far as I know, ITIN should be fine.

[@KumR]

One of first question which comes to everyone is - Does 529 investment have any impact on student scholarships? And any reason why you mentioned that prepaid 529 Tuition is a total waste ?

[@InvestmentInsightsTamil]

529 has impact only to "need based" scholarships. If our family income is more than 150K, it is already impacted. 529 is not going to hurt more. I did not say total waste. Just not worth the time to review in detail. It has too many restrictions - most important one is you can use it only in your local state to take full advantage of it. All states are already discontinuing those plans one by one now.

[@justbe3708]

சார், நீங்க சொல்றது உண்மைதான் ஆனா இத கேட்க கேட்க தல சுத்துது சுத்துது சுத்திக்கிட்டே இருக்கு

[@InvestmentInsightsTamil]

🤣 Well, better now than in the last minute.

[@kennyvr]

Please share info on student loan

[@jayaprakash677]

Sir, your videos are very informative. Thank you for sharing indepth information and with humour. I would like to know investment in US index funds. Could you share more insights on investing in US market pros and cons for Indians. Thank you.

[@InvestmentInsightsTamil]

Nothing different for Indians. It is all the same. Watch "Stocks Portfolio" episode. It has recommendations.

[@jayaprakash677]

@@InvestmentInsightsTamil Sir, sure. I will check it. Thank you.

[@sathyaezhilan8287]

​@@InvestmentInsightsTamilwill buying house rental properties be good in terms of aged parents with kids

[@shackles8610]

hey Vijay .. I recently subscribed to your channel and I find your videos very interesting & informative. We are in the same age group and similar location, I feel bad for not achieving FIRE like you . Any pointers on how I can start now and be prepared before retirement.

[@InvestmentInsightsTamil]

Everyone is different on their priorities and life style choices. Do not feel bad about that. I highly doubt anyone in my financial situation would choose to do what I chose to do. Watch "Building Wealth" series in this channel and create your own personal strategy.

[@divyasugumar1459]

Thanks for conveying about 529 in a clear, collected and sequenced manner. Being on the fence about being in US, we have never considered investing in 529. We have been setting aside money in an index fund for education. But after listening to your video, I feel a part of our child’s education allocation should go into 529. Would you still consider using 529 for nris who are uncertain about being in US?

[@InvestmentInsightsTamil]

It is more about whether we are planning to send our kids to college in US either for UG or PG than whether we are going to be in US or not. Only you can answer that question.

[@divyasugumar1459]

Thank you so much for taking the time to respond Sir. On a lighter note- epadi toughana decision eduka sonna, epadi Sir.

[@InvestmentInsightsTamil]

@@divyasugumar1459 Namma vaalkai fullavey ippadi thaan... neraya tough ana decisions eduthu thaan aaganum. But I can hear you on this one... when we are on fence with where we are going to settle down, this one adds to the complication. May be it is better to stick to Index funds to keep the options open.

[@divyasugumar1459]

@@InvestmentInsightsTamil : Thank you, Sir. Really appreciate all the efforts you put in making each video. They are truly insightful. You have an art of conveying important (and difficult) financial topics in an impactful way.

[@rajeshkumarmdu]

Please upload video course regarding reading charts and graphs of individual stock. Also, explain how it can help us on trading and predictions.

[@InvestmentInsightsTamil]

Sorry. I am not a trader. I do not use that at all.

[@rajeshkumarmdu]

@@InvestmentInsightsTamil when is next video on financial statement?

[@InvestmentInsightsTamil]

@@rajeshkumarmdu What do you mean? I am not following that.

[@rajeshkumarmdu]

@@InvestmentInsightsTamil next episode of this video - kzbin.info/www/bejne/qYrbeGdqaZhkp7M

[@InvestmentInsightsTamil]

@@rajeshkumarmdu Stock Screener episode is the next one - kzbin.info/www/bejne/aZy6ZHaPdsyjisU

[@coolguy914]

Hi Vijay, can we use this if our kid joins college elsewhere and not in US. What happens to the tax free part.. is it taxable

[@InvestmentInsightsTamil]

Very few colleges outside of USA qualify. Check here: www.savingforcollege.com/eligible-institutions If it is withdrawn for paying any college that is not in the list, yes, we have to pay the tax on the gains and also 10% penalty on the gains.

[@contactsim]

Sir, I live in Florida. I went through your presentation. You clearly explained that I can buy any 529 plan. You also referred to the whilecoatinvestor. I went through all that. Still unsure which state 529 to choose. Should I look at lower fees / morning star rating, confused. Will you be able to guide me to 1 best option? (or) If you were to live in Florida, what will you choose? Apologize if I'm asking too much.

[@InvestmentInsightsTamil]

Just choose between Michigan or Utah. You cannot go wrong with either. Do not over analyze to find the best. Good Luck!

[@contactsim]

@@InvestmentInsightsTamil Thank you so much! Hat's off to your giving back to community. You may want to consider starting an investment advisory firm. I will be happy to be your client. Thanks again!

[@roopapriya7159]

Qq. 1. What if my state don't provide tax breaks and I don't intend to move out of my state? 2. Enrolling into 529 will reduce the chances of getting aid from government (suppose kid is talented ) ? 529 vs custodial roth (more flexible). Thanks for.your time and responses.

[@InvestmentInsightsTamil]

1. The answer is in this episode. You are not restricted to use the money only in your state. You can use it in any state as long as the money is in 529 savings plan. 529 prepaid plan does have restriction to use it only within the state though with very little exceptions. 2. No. 529 can only harm need based scholarships. Merit based scholarships will not have any impact. 3. You can contribute to custodial ROTH, if your kid has earned money. Do not contribute any money into custodial ROTH that kid did not earn.

[@roopapriya7159]

@@InvestmentInsightsTamil thank you .on Custodial roth, how we can leverage the tax code to make use of it like baby sitting , garden lawn mowing , cleaning your office etc. Still u can put some minimum money ?. Am trying to use that route since my state especially not giving tax break for 529 and considering all penalty etc.your thoughts

[@InvestmentInsightsTamil]

@@roopapriya7159 If you can justify the pay for the kid, then yes. Regarding penalty, I actually said by mistake that the penalty is on whole balance. But it is actually only on earnings. Just pointing that out, if that can help you make the decision.

[@roopapriya7159]

@@InvestmentInsightsTamil thanks for.quicker response

[@nithyapriya500]

Hi Vijay Anna I’m giving thoughts on UTMA vs 529. Is UTMA similar to individual brokerage account which makes the kid pay tax when investment returns are more ? Appreciate your inputs .

[@nithyapriya500]

Do you think UTMA is useful to families who are not sure about their kids studying in US as it allows them to use the money to anything after age 21 unlike 529 specific for college expense? Or 529 with penalty (use of non edu) same as UTMA ?

[@VNKVJ77]

Hi Vijay, if I go with California 529 plan and my kids get admission in another state, any implications? How does that work?

[@InvestmentInsightsTamil]

No implications for 529 savings plan. You can use it in any eligible institutions.

[@VNKVJ77]

Great, thanks! If decide to take another state 529 plan, I still cannot take tax break if my home state (like CA in my case) doesn't give tax benefits, right? Even if my 529 state offers it. Or, can I?

[@rajaveerapandian5030]

If I live in Texas (doesn't have state income tax) which state 529 plan is good for me?

[@InvestmentInsightsTamil]

09:35 explains that.

[@raghunathkrishnan5124]

Vijay, could you please help explain how these investment % contributions grow over time and how to understand different data in the statement sent by the provider in 401k retirement or 529 savings plans?? I find it really hard to understand when my provider sends a statement showing some columns of information about my portfolio (taking example of this 529 plans' investments and that of 401k). Thank you.

[@InvestmentInsightsTamil]

Good suggestion. Will create a separate episode to explain that.

[@krishnamoorthyramachandran5518]

I believe 10% penalty only on the earnings, not on the entire contribution amount . Please clarify

[@InvestmentInsightsTamil]

@@krishnamoorthyramachandran5518 you are right. Check the pinned comment.

[@balajid81]

Could you have a video on best way to save for people planning thier kids education to do MS in 10years from now.thanks. can I invest in us stocks/mf from india

[@InvestmentInsightsTamil]

Yes, you can thru Motilal Oswal's S&P500 index and Nasdaq100 index.

[@sundars2819]

Non US resident...still preferred this than rakita rakita 😁

[@InvestmentInsightsTamil]

🤣

[@anishmeyal]

Sir, how do you use the 529 plans for H4 kids. Is there some provision to use the funds for Indian universities.

[@InvestmentInsightsTamil]

Check the eligible institutions in savingforcollege.com. I am not sure what are all the Indian institutions are there.

[@lokeshjt8750]

Sir please say which option is better in UTI index fund. Regular growth or dividend??

[@InvestmentInsightsTamil]

Dividend helps during retirement. When you are young, go for growth.

[@lokeshjt8750]

@@InvestmentInsightsTamil sir I'm 16 using father's account . What should I choose?

[@2sund2]

Do you have any detailed tamil video about Roth IRA

[@InvestmentInsightsTamil]

Not yet. It is in my TO Do list. For now, just English.

[@TamilTradingCommunity]

Indian resident ku ethathu video podunga ya

[@jothiprasanna5727]

Hi, what is the best platform to buy stocks in the US?

[@InvestmentInsightsTamil]

Whatever you are comfortable with. Platform is not a limitation at all.

[@thiagarajanvenkatachalam6435]

How much is the max yearly limit for Illinois state for 1 child by the parents filing jointly?

[@InvestmentInsightsTamil]

There is no limit. But a married couple can get tax deduction for only 20K per year regardless of the number of kids.

[@thiagarajanvenkatachalam6435]

Thank you 🙏

[@thiagarajanvenkatachalam6435]

How do I reach out you for some inputs regarding 529? Pls share a way.

[@myhousecookbook9758]

Hello Sir, can h1b holder with American citizen kid contribute to 529 ?

[@InvestmentInsightsTamil]

Yes. As long as the kid has a SSN, we can.

[@abimanyu2047]

🔥

[@basithkhanaliibrahim]

Thalaiva! Come back to India soon !!

[@InvestmentInsightsTamil]

🤣 adutha episode la vanthuduvom.

[@basithkhanaliibrahim]

@@InvestmentInsightsTamil super waiting

[@RaseemAhmed]

As a bachelor , Can we start this plan ?

[@InvestmentInsightsTamil]

Well, it needs a beneficiary.

[@loveanimals-0197]

Can you use the 529 Account for your own future study expenses and then use the same account later for your kid? Called Fidelity and they said you have to have separate accounts for each beneficiary, so wondering if any other way to use the same account for all family members' education?

[@InvestmentInsightsTamil]

As long as you do not have a need to use them in the same year, you can use the same account as the beneficiary can be updated. But if you need to use them at the same time, then you would need separate accounts. But it is better to have separate accounts for the ease of maintenance.

[@loveanimals-0197]

@@InvestmentInsightsTamil That's good to know, thank you. I opened it under my own name (until kid gets the SSN mailed to him). I am just going to put it all under the S&P 500 Index Fund and see how it goes.

[@prabagaran.s1285]

Ireland time 1.30 am,😀🙋

[@InvestmentInsightsTamil]

🤣 Friday night party ya?

[@prabagaran.s1285]

@@InvestmentInsightsTamil no taking care of my new born 😊, mine night shift 😃

[@KumR]

Also how can we use ROTH IRA for college saving? If a person has already invested in 401k , can he additionally opt for ROTH-IRA also ?

[@InvestmentInsightsTamil]

I did mention that in the video. Watch 401K and IRA episodes to understand those better. Investment Priorities has even better explanation. I would encourage you to watch all three to get a better understanding. Links are in description and also in pinned comment.

[@mohanakrishnan2457]

Vanagam my is mohanakrishnan

[@premananth2002]

Boss unga number share panna mudiyuma

[@hariprakashsivappan5876]

Hello Vijay, thanks for the information, it helps everyone, Keep doing, good work, and congrats for 50k subscribers, Can you provide information about , how to pick the right penny stocks, and key information to look. I just started investing in stocks, not in the position to buy big company stocks, and can't do dollar cost averaging for the big company stocks, can you come up with a special episode related to this. I am living in Dallas, TX. Sure it will be helpful for future investment planning. Can you share your email address?. Thanks for the work.

[@InvestmentInsightsTamil]

Why penny stocks? I would say stay away from them. What is your rationale for going to penny stocks compared to big established ones? I would suggest to stay with Index fund till you are totally familiar with how stock market works.

[@hariprakashsivappan5876]

Thanks Vijay