Why Wealth Explodes After ₹1 Crore? Here's My Personal Experience ...

[@shankarnath]

👉 Talk to a Club Mahindra Holiday Consultant: membership.clubmahindra.com/sem-in/LP/cmh25_aff/?campaign=2409WebRegular&refid=CX-youtube-post-shankarcmh

[@ekrishna10]

Club Mahindra is fraud,you cannot book during holidays 😢

[@pillaidilip82]

You lost our trust when you promoted Club Mahindra

[@arjunps6776]

Many thanks for this feel good video to start the Onam weekend 😊. Your insights on how 1 crore is already 40% of the way on the journey to 10 crores is a fresh perspective about which I hadn't thought. I'm happy to be already there. Good luck to everyone else.😊

[@shankarnath]

Wishing you a joyful Onam! I'm guessing tomorrow's breakfast will be puttu and kadala curry at my place :) Yes, pls do a time audit. Your journey from 1 to 5 crores is likely to happen in the same time you took for reaching 0 to 1 crore. And the last 5 crores i.e. 5 to 10 crores will take half of what it took you from 1 to 5. So: 40% of time for 0 to 1 crore 40% of time for 1 to 5 crores 20% of time for 5 to 10 crores It seems to be working this way for me

[@arjunps6776]

@@shankarnath Thank you and wish you the same. Please have a nice Sadhya and Payasam in the afternoon too. 😊

[@shankarnath]

@@arjunps6776 Will do. Thanks :)

[@jasandroidphone3820]

@@arjunps6776 ni vayar ilakkumooo

[@sridharkalyanaraman6943]

Who is this man - S.H.A.N.K.A.R.N.A.T.H. - is he supremely knowledgeable ✅ Is he down-to-earth ✅ Is he lucid in the way he presents ✅ He is the undisputed G.O.A.T of the FINFLUENCERS - when so many others flaunt needless "theatrics & drama" here is a man who towers above all with his simplicity ! Bravo !

[@shankarnath]

Thank you. Curious -- Is that a ChatGPT prompt?

[@sridharkalyanaraman6943]

Definitely NOT - You sure know me through my earlier comments - my feedback is purely as a Market participant who has immensely benefitted from your videos - not a ChatGPT prompt - but a genuine person 😂

[@shankarnath]

@@sridharkalyanaraman6943 Thank you! I was just pulling your leg. Seems like a superman rendition, doesn't it? Is it a bird? Is it a plane? No, it's Superman

[@mohan7642]

@@shankarnath at times with this advent of AI :D

[@utkarsh1229]

Agree 100percent...

[@vachanmalhotra2197]

nicely explained....my portfolio is a little over 2 cr....and I have seen it growing from 1 to 2 cr in the last 3-4 years (thanks to the bull market)...I have personally experienced the first 25-30% of this journey as explained in your video...although my current business is not doing so great, but this compounding happening in my portfolio gives me a sound sleep and inner peace....

[@pankajg174]

Agreed and same here... 2 to 3 and thereafter will be much sooner

[@jatinbhatoya8420]

5 crore is the new 1cr. Keep hustling till 55. After that everything would be in place. Please select your life partner wisely as your financial journey will also be theirs after in relationship.

[@reallifegambits]

if 5 crore is the new 1 cr then 60-65 years is new average life span (earlier it was 70-75). If you keep hustling/working till 55 in Indian work environment, then you dont have much to live after that. I know its difficult trade off, but we have to take smart decision. I agree with life partner part.

[@sauravkamra8512]

I wish this kind of videos were there when I was 21 and making 50k+ every month with no more than 20k expense . Better late than never started SIP at the age of 30 and now I’m 32 done some lump sum investment as well right now the portfolio is 12.2 lacs , hopefully with future SIP and lump sum investments I will reach 5 crore in next 18 years . 🙏🏽

[@shankarnath]

Wishing you the best

[@sujayponnachath]

I started late too @ 38. I need to invest faster for better compounding. More lumpsum and stepup.

[@biswanathbose3666]

​@@sujayponnachath Me too 38. Have not started yet. Meanwhile can u pls tell how much are u investing and where so that I can also take some cue.

[@sujayponnachath]

@@biswanathbose3666 I started at 38. Now 41 and reaping the returns. Three years of small compounding. Long way to go. I invest only in mutual funds. Because I don't know about stocks. Mutual funds are risk free in the long term. You need to keep watching for any downfall in the mutual funds you have chosen. And switch when it's performing badly. Please diversify in mutual funds. Like small cap, mid cap, large cap and flexi cap. Easiest way to invest in index funds. Please only invest what you won't require in the long term. Consistency is the most important factor. Patience is second. All the best!!.

[@aileen8492]

Hi. 33 here and want to start investment. I have 17 lakh lumpsum amount. Do you think lumpsum investing is a safe option? Or should I do SIP?

[@ajaybn]

The inherent goodness in a person comes out naturally and thats what i see in you !

[@shankarnath]

Thank you Ajay ji .. glad you like my work 🙌

[@DrAshok-philanthropist]

@shankarnath sir ,,kindly let me know how to consult u ,,my self Dr ashok kumar pulmonologist with love and respect from Andhra Pradesh

[@DrAshok-philanthropist]

​@@shankarnath @shankarnath sir ,,kindly let me know how to consult u ,,my self Dr ashok kumar pulmonologist with love and respect from Andhra Pradesh

[@shankarnath]

@@DrAshok-philanthropist Hello Dr. Ashok, I don't do 1:1 paid consultations. I want to focus on 1-to-many formats like YT, my newsletter, smallcase etc. Very sorry about this!

[@Singar1981]

Your simplicity and down to earth body language and delivery is what that makes your videos a repeat watch. Just looking at your face, transcends positive vibes to the viewer !!!

[@shankarnath]

Thank you. Did you use ChatGPT for this? (fairly complex writing)

[@mohan7642]

absolutely, Shankar is a gem

[@player-rj9lb]

After seeing this video I understood what a rat race is

[@Singar1981]

Absolutely Not. It's straight from my heart. I have been following you right from the time you were with ET money. In our 14 years of schooling, we come across at least 50+ teachers but only a few leave a lasting impression and you are one such teacher !!!

[@saurabhkesharwani6143]

Very good video, Shankar! 👌🏼 This doubles up as a motivational video for us to save, invest and work on personal finance journey. 👍🏼

[@shankarnath]

Glad you liked it. Thank you Saurabh ji

[@azadthekilroy]

Beautifully scripted and delivered. Personal experiences are always more powerful than just theory posted by other content creators. Thankyou so much , heartfelt regards

[@shankarnath]

Most welcome 🙌 I'm glad you liked it

[@vamsikrishna24]

KZbin has many videos on this very topic. But this one by far explains it the best

[@shankarnath]

Glad you liked it. Thanks! 🙌

[@SameerKumar-ku9qn]

I personally believe, in your 20s and part 30s, one should invest in themselves more - time-wise to upskill and money-wise should invest more in mutual funds in order to not lose precious time. As age grows the focus should go towards passive income according to the corpus that you have built.

[@Happiestmindd]

Mindblowing Shankar ! love it and thanks for sharing

[@shankarnath]

My pleasure. Thanks for liking 🙌

[@gopinath_ravi]

Every subscriber of yours know all these steps. Still, the way you are summarizing...bravo. I have reached the first milestone already. Good to know your wealth creation journey. May the markets be kind for us as well :)

[@shankarnath]

Many congratulations on reaching your 1st marker

[@arjunps6776]

Like star wars 'May the markets be with you.'😂😂

[@mayanktiwari2498]

What I like about your videos are the explaination with numbers and ofcourse how you walk people through the topic. Thanks again Shankar. been busy a few days coz of CFA exam prep but whenever I get time I look for into your new video addditions.

[@shankarnath]

You are very welcome

[@NaveenKumar-ie5tb]

1 crore to 2 crore took much longer than I expected .. it felt like infinity. I don't know when I will reach 3. Scared of end of bull market 😭

[@shankarnath]

That's the core point of this exercise. The stock market i.e. investment is just 1/7th of the blueprint so being fearful of the bullmarket going away pushes control from your end to something else. Questions for you to ask yourself -- a) How can I increase my income? b) What second income can I start generating? c) How can I save more than the previous month? d) Where do I lack self-discipline? e) Is there some tax element I am not making use of?

[@niladriroy]

This likely can be a reason beacuse it is generally at this point to plan to buy a home &/or car and have to pay some lumpsome, while also adding significantly to your expenses. My current savings have gone down to less than 10% from before.

[@TLCinsights]

India is at a unique position which can happen only in many centuries. Next 3 decades are our opportunity. If we plan and approach our investments properly, then there is no turning back.

[@TheFourthWinchester]

India's bull market is gonna continue for the next 20-30 yrs IF politicians take security into control and don't let terrorists do whatever they want like in Karnataka today just to gain political mileage. If it goes out of hand we will be another Bangladesh.

[@umeshpatrimath4790]

Thanks

[@shankarnath]

Thank you very much Umesh ji for this gratuity and for your appreciation

[@abhishekparanjpe2987]

Very good presentation.. thank you

[@shankarnath]

You are welcome 🤗

[@DK-ox7ze]

07:59: I didn't understand how SIP is faster in reaching 1cr as can lumpsum? This is only valid if market periodically drops below initial starting number, which isn't practical.

[@melwinantony2712]

Is there any semiconductor stocks in Indian market ?

[@varunvarun102]

Very informative and creative way to demonstrate the investment and achieve goal. Great Work😊

[@shankarnath]

Thanks a lot 😊

[@manfromearth4346]

Shankar nath = quality videos with trust. Now that’s something more difficult to achieve than 1cr.

[@shankarnath]

Thank you for your vote of confidence 🙌

[@bharadwaj6584]

Excellent articulation !

[@shankarnath]

Thank you

[@mohammedsahilsa2149]

This is the most underrated and informative channel for personal finance. love your content🤍

[@shankarnath]

I appreciate that! Thank you so much 🙌

[@Callmenothing000]

In my opinion, your narration with a hint of humility makes the messaging even powerful. I’d like to believe most viewers of this channel are aware individuals and would already know this blue print fully or partially in some shape. Your style of coupling your own life experiences with such messaging in a way not too overwhelming for the general mob is very impressive. I personally feel intimidated and questioned with similar content produced by other creators. The essence is in making the viewers believe that these steps can also be practised by them which your video does. Good work, really 😊

[@shankarnath]

Thank you very much for your kind appreciation 🙌

[@somendrasarkar1653]

Thanks you Shankar! Insightful!

[@shankarnath]

My pleasure 🙌

[@parthasarathybalasubramani6148]

@Shankar, Can you kindly tell us, how much was your investment during each crore ?

[@shankarnath]

Sorry, I haven't tracked this for each crore but to give you an idea -- the first crore had about 90 lakhs in investment. By the time I reached the 5th crore, this was more like 50:50 i.e. 50% was investment and 50% was capital appreciation. Pls note: my portfolio was more debt & less equity when I started and even now, it's 64% equity & 36% non-equity

[@parthasarathybalasubramani6148]

Thank you for your reply

[@tarunvarma3323]

Liked your video before watching it cause i trust your quality videos

[@shankarnath]

Thank you!

[@paragawaken]

Great video Shankar.Loved it

[@shankarnath]

Glad you enjoyed it

[@srikanthdodla6737]

Shankar your simplicity is what makes me to watch your videos & the language is simple to understand unlike other youtubers who makes simple things complex. Please continue to educate the youth/youngsters of india & kindly create an impact by sharing the finance knowledge in simple language. 😊

[@shankarnath]

Thank you very much. I'm happy you like my work 🙌

[@harshadshinde4388]

Very powerful advice....thanks.

[@shankarnath]

You are so welcome

[@pankajg174]

As a person who started late but now been investing since 20 yrs.. I agree with the above video that compounding effect kicks in and fastens achieving the next crore sooner...

[@shankarnath]

Glad to hear that!

[@pankajg174]

@@shankarnath thanks for the wonderful amazing teachings. You re inspiring

[@samrishaofficial]

Love you videos...Have gained lot of knowledge from your videos... Keep Rocking !❤

[@shankarnath]

Happy to hear that! Thanks 🙌

[@WorldgeopoliticsbyPrashant]

Nice video sir. I'm following you since the year you were in ETMoney.

[@shankarnath]

Thank you very much for the support

[@AbdulHakeemcatchabdul]

I’ve been following your content since your days with ET Money, and I’m a proud subscriber of your Substack since day one, as well as a follower of your Reddit profile. I truly appreciate the hard work, research, and dedication you put into your videos - it’s incredibly commendable, especially in today’s time when so many content creators are just pushing useless courses. Your channel stands out as one of the few that is genuinely backed by solid research. What really amazes me is how you take the time to reply to each and every comment. That level of engagement speaks volumes about your dedication and connection with your audience. I also wanted to share my gratitude for your advice. Many in my family applied for the Somany Ceramics buyback in December 2023, and we all made a sweet profit - all thanks to you! Keep up the great work, Sir. You’re making a real difference!

[@shankarnath]

Thank you very much for your support and kind words 🙌 I'm glad my work has been helping you financially aswell.

[@AbdulHakeemcatchabdul]

Sir you said most of you watching this video have a crore or even 10 crore- nahi Sir. Sab ke paas aisa paisa nahi hain. I’m hopeful to get there one day.

[@shankarnath]

Wishing you the best! Since I've become a self-employed person, I have seen wealth miracles done by youngsters (people in their 20s & 30s) which I could only dream of when I was a salaried person.

[@kodilakaleidoscope]

Where there is a will, there is a way. If you have focus, you can reach it.

[@maverick4219]

Abdul my friend , it takes two things to get there 1.luck (market conditions, life ,health and a lots of other factors that cannot be listed) 2.decipline While first cannot be controlled. We are left with second that is dicipline- Do just focus on the second. May you be blessed with all happiness

[@AbdulHakeemcatchabdul]

@@maverick4219 Thank you so much! Your words really hit home. Luck may be out of our control, but discipline is something I can work on every day. I’ll focus on building that and let the rest fall into place. Appreciate the encouragement, and I hope to make strides with this mindset. Wishing you all the best as well!

[@maverick4219]

@@AbdulHakeemcatchabdul Having said about what i commented about dicipline it is also , somewhat controlled by luck to a LARGE extent. So I hope we are all blessed with all happiness health and wealth.

[@dockad6870]

Sir, You are the best finfluencer on KZbin. Please carry on producing such educational videos.

[@shankarnath]

Thank you 🙌

[@King.Chirag]

The topic provided valuable insights and motivation, particularly for beginners and young individuals with limited financial knowledge, eager to build their wealth. That's impressive!

[@shankarnath]

Glad you liked it 🙌

[@VJeducation999]

Very much informative. Thanks

[@shankarnath]

Most welcome!

[@nitinsingh835]

Dear Shankar Sir, I have a long lasting question in my mind. Which platform should i use to invest in mutual fund. I have till now used etmoney and some direct MF investment. What do you suggest and how do you invest. Directly through asset management company app or third party like groww and et money. Hope you answer pls

[@shankarnath]

Hello. I myself use a combination of CAMS, ET Money and AMC websites to invest. Sometime an edge case is not covered by one platform but the other has it. I have not found any particular preference in platform and my transactions have been smooth 99% of the times. I guess there is no preference because I'm not buying mutual funds everyday month. I prefer to setup an SIP or STP and that's it.

[@Professor3141]

Try MF Central

[@pankajg174]

New consolidated MFCentral is also a good option to invest. Other then that some good apps like indmoney, groww offer good user experience and good portfolio insights

[@alexstanley4684]

Thank you Shankar sir for this video. If possible can you please make a similar video on making 1 crore corpus after paying all taxes considering LTCG will keep on rising as it did by 2.5% this year

[@shankarnath]

Thanks for the suggestion. I'll try but this can also be solved by simply increasing the marker by 14% .. so instead of making 1 crore if one does 1.14 crores then it broadly takes care of the 12.5% LTCG tax.

[@alexstanley4684]

But if Government increases LTCG to who knows may be 20 or 30% or even more then it will be really difficult to reach even 50 lakhs in 30 to 40 years. So if possible can you please make a video if a situation like this happens

[@shankarnath]

Thanks for the suggestion. Since this is more about predicting the future, pls use the formula = 1 crore divided by (1 minus tax rate) to build out simulations. So if you think the LTCG tax will increase to 30%, then 1 crore divided by (1 minus 0.30) comes to 1.42 crores. Likewise, if LTCG tax rises to 25%, then 1 crore divided by (1 minus 0.25) comes to 1.33 crores .. and so on.

[@alexstanley4684]

@@shankarnath sir thank you very much. You are one of those few you tubers who reply on every comment

[@daljeetchandra]

I have never seen such a honest video and these great suggestions instead of simply posting waste videos like what other KZbinrs do ❤

[@shankarnath]

Glad you liked it! 🙌

[@shubhrangshuchakraborty2004]

Sir please tell me what will be a good rate of XIRR on our mutual fund portfolio if we are investing through SIP?

[@shankarnath]

Historically, 10Y SIP CAGR on Nifty 50 Index Fund is ~15.5% but we've recently have had a run-up. My suggestion -- if your MF portfolio is purely equity, 14% is a good benchmark to have on SIP performance

[@SecretStrategist]

ohoo.... again a vedio worth saving in my playlist and passing on to close ones :)

[@shankarnath]

Glad you like them!

[@ramd9581]

Always interesting to listen to you-Thanks Shankar

[@shankarnath]

My pleasure! So nice of you 🙌

[@navikreator]

I want to know if from using swp to pump into sip who that will be

[@shankarnath]

Sorry, I didn't understand the question. Can you detail it/rephrase it?

[@sanace1983]

Hi Shankar, as always appreciate the effort. Really appreciate you not shying away sharing your net worth to make the content more authentic which I am sure will inspire many if not all to achieve their financial goals.

[@shankarnath]

Thank you very much. I'm glad you found my work useful 🙌

[@HimalayaGarg]

What's difference from Compound Interes?

[@patelmukeshb]

Response of this video shows that how simply explain this concept to the audience even though this type of content available in social media but people can’t understand…Great work again..thank you and good luck

[@shankarnath]

Thank you very much. Glad you liked it Mukesh ji

[@vishalgautam-ky2oo]

Dear Sir I have been listening to you for a long time. feel blessed.

[@shankarnath]

So nice of you. Many thanks 🙌

[@darsh_nik]

I didn't understand the chart mentioned at 13.22. What does it mean?

[@divakaran8072]

i love your videos- partly for the eye opening content and mostly for pun's and comic innuendos.

[@Diamondzxima]

Great insights backed by data, as always. Thanks a lot Mr. Shankar.

[@shankarnath]

Most welcome. Glad you liked it

[@Cherry-hl7iu]

Most sanely advice, delivered most effectively.

[@shankarnath]

Thank you!

[@Cherry-hl7iu]

Do you have a service where you review Mutual Fund portfolios and see if they align with the investor's goals and provide advice? I would really appreciate it, because I have a monthly SIP amount of around 5L and I have made a portfolio after much research, could really use an expert's validation / advise. Thank you.

[@Cherry-hl7iu]

​@@shankarnath Do you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ? I've selected myself a bunch of funds for around 5L per month SIP amount and could use some advise, thanks in advance.

[@Cherry-hl7iu]

@@shankarnath Do you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ? I have built a portfolio for my 5L monthly SIP, could really use an expert advise. Please help.

[@charanjs3108]

​@@shankarnathDo you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ? I have built a portfolio for my 5L monthly SIP, could really use an expert advise. Please help.

[@mysoregopinathshantanu8800]

Shankar sir, the thumbnails of your videos are of top class. Catchy and attractive Even the videos are very well edited and have graphical depictions to clearly grasp understanding and also with catchy sounds and of course you speaking yourself. Good job with the video editing. Is there a professional team behind all of this ? Just curious to know.

[@shankarnath]

Thank you very much .. I'm glad you like the production values 1. Thumbnails - I make them myself 2. Editing - we do it in two parts a) I make a 100-120 slide PPT with step-by-step instructions on what to put where (it's time consuming, takes me a day) b) the freelance editor then puts it together and adds motion, sound & similar effects Beyond me & the editor, we have a freelance videographer who comes to my home once a fortnight to record 1-2 videos on that day. I still don't own a camera.

[@ramyasri6093]

Sir. As always this video is also very inspiring & knowledgeable... I will try my best to follow atleast few of these to reach 1 crore asap

[@shankarnath]

Thank you very much. I'm glad you found this helpful 🙌 Reaching a crore as early as possible definitely works -- after posting this video, this came up for discussion in a couple of whatsapp group (school friends and b-school alumni). Most people seem to have experienced the same with their own wealth creation

[@sumithravindran8571]

Thank you for sharing these financial awareness videos; they are incredibly helpful.

[@shankarnath]

Glad you like them! Appreciate the kind words 🙌

[@Sheshuvadrevu]

@shankarnath, could you please suggest good investment strategies to invest lumpsum of 1cr

[@shankarnath]

1 crore is quite a high number. May I request you to work with a fee-only financial advisor on this who can work for a prolonged period of time and build a blueprint based on goals, risk profile, inflows, outflows, taxation, liquidity and other parameters

[@Sheshuvadrevu]

@@shankarnath I'm staying in hyderabad, could you please suggest any financial advisor, I'm struggling to find one. Maybe you could please make a video on choosing a financial advisor.

[@shankarnath]

@@Sheshuvadrevu Apologies, I don't stay in Hyderabad myself so don't know anyone there. Personally, I would have used linkedin to identify 2-3 such advisors, interviewed all of them and picked the one I find most suitable.

[@mkd36cal]

Excellent Sir. Keep going. God bless.

[@shankarnath]

Thanks!

[@rijulovarmenianairi6129]

Which type of mutual fund sip? Regular or direct growth?

[@shankarnath]

Thank you! Glad you found it useful and inspiring

[@rajeevnaidu5338]

hello sir, fantastic video. great job

[@shankarnath]

So nice of you

[@tejamehu]

I have 2 cr corpus, 1 rental income of 10k, left job, no loans. I am able to sail through, but now not getting work as I wish, as anyways have to work on on something, also 2 cr is not increasing any more, my major portion is invested in fd

[@2.0JUSTDOIT-n2w]

Start sip

[@aswinnair3382]

Do swp and take out 75 and reinvest

[@sachinkundu33]

What is ur return with 2cr?

[@tejamehu]

@@sachinkundu33 8.25 % before tax

[@tejamehu]

@@aswinnair3382 started sip in index fund

[@zoheb50]

Hi Shankar! Very motivating video! I really dream of making that 1 cr sooner. 😊

[@shankarnath]

Thank you, glad you liked it

[@ranajitchakraborty9858]

One of the best video I've seen in my life 👌👍.Many thanks to you only.

[@shankarnath]

Most welcome 😊 Glad you found it useful

[@Dr.PK18]

So valuable information

[@shankarnath]

Glad it was helpful!

[@akshayrajadnya5624]

I really like your practical approach rather than other influencers khayali pulao approach. Your content is insightful irrespective of the age of the viewer.

[@shankarnath]

Thank you for the kind words 🙌

[@adithyaprasad6994]

Thank you for your channel. This content is amazing!!

[@dr.mallikarjunag4833]

Your English and presentation is good❤

[@shankarnath]

Thank you! 😃

[@Anuragmahanta08]

Thank you Shankar, after seeing this video, I jave increased my SIP amount

[@shankarnath]

:) .. most welcome .. all the best!

[@SanAntonioDean]

Excellent advice! I could relate to this a lot

[@shankarnath]

Glad it was helpful! 🙌

[@milinddeval]

Very encouraging video, thanks!

[@shankarnath]

Glad it was helpful!

[@jugaldev629]

Sir, do you have any community you build. For like 2 way communication

[@shankarnath]

Not yet. I'll have a paid community by end of this year aligned to my newsletter content

[@80Vikram]

Amazing video, thanks for sharing. I wish I saw this in 2002 so that by now would have 20 cr easily

[@shankarnath]

Glad you liked it!

[@PrashanthYerraguntla]

You are really doing great job sir just relieving investor ❤

[@shankarnath]

So nice of you. Thank you 🙌

[@DailyMistakes]

When will lower GST be applicable to health insurance? Is it applicable for existing policies? @shankarnath

[@shankarnath]

Hello. I'm organizing a webinar with Ditto Insurance this weekend on health insurance. Perhaps you can ask the question there. I'll send the invite in a day or two to all via a community post

[@sagarsaraf5288]

Sir please tell which app is good and safe to invest in mutual funds..

[@josesamuel6781]

Good Content. One Query - There is a chart showing 2.5L SIP in 2.8 year will reach 1 Cr. So, after 2.8 years, will the 1 cr compounds in the similar way as shown in the graph (8:43 min)?

[@shankarnath]

Thanks. No, the graph in 08:43 is based on a ₹30,000 monthly SIP compounding at 12% per annum. There are quite a number of calculators available on the internet for calculating own corpus after a few years, kindly use those. Try this one -- edufund.in/calculators

[@ashutosh0011]

Let me answer your query. The assumption was 30k SIP with 12% return. If you just change the SIP value to 2.5lakh, it will take you between 13-14 years to reach 10 crores.

[@krutikpatel906]

Please explain or make video how to explode it from 1cr onwards, i am having hard time figuring out that part!

[@shankarnath]

OK, I'll try to do a video. Here's what I did -- I continued my SIPs and the markets were kind so that helped. Mathematically in my scenario -- so I had 1 crore by 2019 so that's my lumpsum and say I invest 1.25 lakhs every month so that's my monthly SIP. Assuming the markets grew by 20% between 2020 and 2024 -- so 5 years -- the total corpus would jump up to 4 crores. You can put these numbers here -- www.omnicalculator.com/finance/lumpsum-plus-sip

[@onkarvaradkar2684]

Gives me hope of life! Grateful :)

[@shankarnath]

Glad to hear that!

[@sotta11]

Its not a direct related topic, but to expand on your point made in 15:27 , can you please make a video on KZbin monetization and how smaller channels can make KZbin work from them as a second income.

[@shankarnath]

Thanks for the suggestion, I'll try

[@aayushjain1845]

Hi Shankar, Great video as usual. Do you also review/provide recommendations on existing MF investment?

[@shankarnath]

Thank you. Sorry, I don't offer 1:1 paid consultations. I'm focussing only on 1-to-many formats like YT and my newsletter

[@aayushjain1845]

@@shankarnath : Ok. Also wanted to know if you think it makes sense to opt for regular MF via a good MFD? Or only direct plan makes sense? Do you have any video already on this?

[@shankarnath]

@@aayushjain1845 I don't have a specific video on this but if a person is not comfortable learning/selecting funds by oneself, then better to go through a mutual fund distributor. Once that skill has been built, the investor can opt for the direct plan route.

[@abhinavwagadre2772]

Hi this only considers mfs but a large part of salaries also go in NPS and epf to save on tax etc. and fds are also compounding with stable rate. So for a crore to compound like your graph does it all need to be in only one instrument I.e mf or we can consider all sources and add . If no can we do this exercise as to understand when it consolidate to make the most out of it? Thank you

[@shankarnath]

Hello 1. Yes, I have included only my investment account i.e. MF+stocks -- I mentioned this in the video too. 2. No, this is not one instrument in my investment account. I have equity funds, debt funds and also direct stocks. Sometimes, I had fixed deposits too which I generally keep for emergency access of money. Hope this helps

[@SAM-pw2qj]

Only two days 1.2Lakh views .....❤ ShankarNath blockbuster research

[@shankarnath]

Thank you! This is the fastest to 1 lakh video on my channel thus far :)

[@shivani-hn2un]

Nice one that everyone needs to listen

[@shankarnath]

Glad you liked it 🙌

[@ZZZZ_RENJITH]

I love most of ur videos Shankar ❤

[@shankarnath]

Thank you very much!

[@karthickraghuvaran3586]

One of the best .. thank you 🎉

[@shankarnath]

Glad you like it!

[@tirupathirao6630]

Excellent Sir Please do videos weekly once so that lot of benefits to the investors

[@shankarnath]

I'll try my best. Thanks for the suggestion

[@soyalsayyad1079]

Keep it up Shankar Ji.. Some of the best YT channel following (copying) 😂 your content.. Great excellent presentetion And end to end thinking

[@shankarnath]

Thank you! Glad you like my work

[@bezzzzzzzz]

Thanks for another fascinating video.. Like you I too started my investing journey late and made mistakes of buying a 2bhk house and investing primarily in ppf and lic policies. At 41 years now, I am now saving aggressively and diversifying my portfolio into stocks and mutual funds. I love that your videos are so simple but yet put the point across so beautifully. Thanks Shankar ❤

[@shankarnath]

Most welcome!

[@soumya440]

Sir I want to know detail analysis between investment in nps category-2 and sip in normal mutual fund

[@sunithaneelam2832]

Excellent video..thanks for inputs on passive income sources. It would be great if u could suggest how to go about for earning passive income like u mentioned writing etc .

[@shankarnath]

Thanks! I'll have a separate video on passive income strategies. But as you might be aware, this isn't easy. A lot of upfront work needs to be done like this YT channel in my case. Now, my old videos continue to earn me money every day. For example -- the video I did on "Shameless Cloning". That single video continues to earn me ₹150 every day.

[@sunithaneelam2832]

@@shankarnath great sir ..Also can u suggest what is the best combination for reaching goal of 1 crore for wealth creation ..I meant how much small cap, medium and large cap in a span of 5 yrs/ SIP amount for each. Also, whether we need to have a combination of active and passive mutual funds for each or only active can do

[@KoachWithKunal]

Dear Shankar, as a well wisher am saying this. Your putting on weight and there is room to making that part fitter as well, just as good as your portfolio. 😊

[@shankarnath]

Yes, you are right. I'm taking a 5-day out-of-town break now, will work on it post Diwali. Thanks!

[@trpdelhi]

Hi Shankar, have been a fan of your work since the pandemic. Is there a way we can reach out to you or your team about a possible review of my investment portfolio? For context, I am a professional musician and have been looking at a review with regard to my investments made since 2016. I have been at it alone, and frankly I am very tempted to be a pompous ass and disclose all details here. But, I would really appreciate if you can give your feedback on how I am going (it maybe a paid session too). Please do let me know. Thanks man.

[@shankarnath]

Hello, thank you for your kind words & continued support. I don't do paid 1:1 consultations due to paucity of time on my part. I prefer to educate rather than advice -- and hence, prefering work on 1-to-many models like KZbin, newsletter etc. Very sorry about this! If my schedule opens up, I'll circle back via a community post

[@trpdelhi]

@@shankarnath please do. I can also possibly send some screenshots and a basic overview on mail if it’s that something you can possibly check out. I am pretty confident about my numbers, but a yes or no from you would most definitely push me to work harder. I totally understand if that’s something you’re not comfortable with. Either way, you are at par with Money Guy, Nischa, Minority Mindset, George Kamel and some of the other super hip KZbinrs I follow. Thanks for all the help thus far mate.

[@MrPrithwiraj]

What is your opinion about investing on Nifty 500 momentum 50 index fund? I’m a high risk investor.

[@shankarnath]

I am a fan of momentum indices. Particular to N500M50, I have an SIP running on it.

[@AjitJoshi686]

I am watching this program sitting at club Mahindra Puducherry 5:32

[@shankarnath]

:)

[@தனஞ்சயன்]

Sir, having a genuine doubt!! Had you investe directly into your mutual funds or through some financial advisors..?? Because putting that chunk of money into an instrument looks too risky.. Thank you

[@shankarnath]

Hello. I invested directly into the mutual funds (no advisor) and learnt along the way. There was not much risk because as a salaried person, the money was being inserted in SIP mode which derisks the model + I was investing for the long-term (had a view of next 20 years)

[@தனஞ்சயன்]

@@shankarnath Great!! Thanks for the advice…. Now u r my financial advisor since am going to copy you☺️

[@pavankumargadhamsetti4528]

Nice explanation sir recently i hit the 1cr savings mark it took me 8 years but i invested my time more on learning than finance initially …so i was able to get half cr gross salary now and started investing aggressively

[@shankarnath]

Many congratulations! Wishing you the best

[@balajikarthik8366]

Nicely explained. A corpus in equity + mutual funds is not guaranteed and will go down during a economic recession period. Can you give us ideas how to tide over sucj situations?

[@shankarnath]

Thanks! I have many videos on the channel with regards to valuations, profit booking, building a strong portfolio, recession proofing one's video, defensive portfolio creation etc. There are tons of ideas in these videos on how one can improve a portfolio's chances of success with low downside

[@SunWin93]

How much percentage you increase from 2015 to 2019 in sip or lumsum ? Like 10% increase each month or year

[@shankarnath]

I don't recall the percentage but I increased from a single ₹5,000 SIP in March 2015 (when I started seriously) to ₹1,10,000 moving from my bank a/c towards SIPs every month by 2019

[@SunWin93]

@@shankarnaththis is an indeed great piece of discipline man ❤will try to follow . Just following question Was it single fund or multiple and if single then index one ?

[@sanath4141]

Sir is CFP also worthy program

[@shankarnath]

Sorry, I don't know. I've never applied for it or researched it