40 ఏళ్లకే రిటైర్మెంట్ కి రెడీ నేను! Retirement Planning

[00:00] So present me package. Almost 2 to 15 years. 2 to 12 years. 2 to 12 years. Okay. In terms of units, but I think it's a very good idea. I think it's just proper size.

[00:13] It's just assets. So I don't want to get off. Yeah, I pay money. Yeah. So I think it's the real estate. Correct me directly. I don't want to market. I don't want to follow. I don't want to talk about it. If you don't want to consolidate the market,

[00:25] you don't want to panic. So how to invest and how to get aggressive. Okay. So, roller coaster is in the market. So, if you buy it, trading, and you buy it, you buy it.

[00:37] You buy it. You buy it. You buy it. You buy it.

[00:49] You buy it. How did you get started? How did you get started?

[01:02] So, when we started the video, first, you have not consent to your permission. We have recorded this conversation and published it on YouTube. You have to get the face anonymous.

[01:14] So, the face is the height. You have to get the consent. Okay. So, I am going to start with India and India. So, Middle East and Dubai are in the present case.

[01:29] So, audience and the question. We are going to do a few years. We are going to do a few years. Okay. So, after two years, we are going to do a few years.

[01:44] We are going to do a few years. I am a company of the company of the US. What company is that? Four companies. One of the biggest ideas. Okay.

[01:56] I am a company of the company. I am a company of the company. I am a company of the company. Okay. So, you are me agent?

[02:08] 40. You are my wife working? No, no. Okay. So, in India, you are working in India? Yes, that's a lot of information. So present me package? Almost 3 to 15.

[02:21] It's PLTA. Okay. So what background is it? Me and Me are liabilities? Me and Me are liabilities? Liabilities? I don't know exactly. But my experience is very difficult.

[02:35] I have a lot of experience. I have a lot of experience. So this is the number of people. I have a lot of experience. The present is loan free. Yes, it is. Okay.

[02:47] I have savings on the case of the savings account. Account loan. Savings account loan. Okay. I have no name for the present. So now it is delayed.

[03:01] I have two years ago, I have saved my contact with my brand. I have always been in Dubai. I have a couple of contacts. I have already contacted you. I was very busy with my job.

[03:16] I was very busy with my job. I was very confused and I was very confused. So, I was very confused and I was very confused. I was very confused about savings.

[03:30] I was very confused. So, savings are not yet available in the city. Yeah, if you are buying or buying or buying, it's not regulated.

[03:43] So, it's not a risk. So, I'm not a risk. I'm going to buy a down rate. So, when you are comparing your economy to your money, it's not going to the same case.

[03:55] So, now I wanted to take home steps so that I'll make sure I'll get that money. Okay. And present to me, the employee expense is $32.5 lakh. I don't have to pay for 50 lakhs.

[04:07] So, 50 lakhs are around 2 to 2.5 lakhs. So, 2.5 lakhs are the most important. After taxation, after TFO, even. First and foremost, you have old regime and new regime?

[04:19] The pressure is new or better. Because I don't have any loan and integrity. Correct. New regime is better than you. But the exact number is better. But first and foremost, you have 50 LPA.

[04:31] It is corporate LPA. So, that's not an option. If you can opt for corporate, yes. In new regime, you can invest in up to 14% of basic pay. That amount is 75% of equity.

[04:44] It's a great product. So, we can talk about the details. You can talk about retirement or children education. So, what do we plan with this? This is in units.

[04:57] But, if you want to buy a stock market, you can buy stock market. I think that there are 6-5% of the calculations. Maybe the calculations are up now.

[05:10] Some people say that it is a great choice. Some people say that it is not a right choice. That is okay. This is what happens. I don't want to get a right choice. And pure term is there.

[05:24] There is no coincidence. I have no coincidence. If you have any unregulated, you can do it. You can do it.

[05:36] You can do it. You can do it. First, you can do it. You can grow and grow. The growth is very painful.

[05:50] You can do it. So, market follow, growth, growth, growth, 3-4 years, 0% profit. So, it takes a lot of mental toll.

[06:03] So, you can see it as practical. And before that, first thing is, 3-4 years, pure insurance. One year, it's enough. So, you are a modeler, so you are a financial handler.

[06:19] Good to have another insurance. So, and health insurance, your family and parents, health insurance proper is minimum 20 plus to 50 lakhs for one year. Health insurance coverage. These are first. Because if you look at insurance, we have a lot of investment.

[06:33] Okay. And then let's go to investments. So, these are the approximate calculations. We have corrections. Okay. 2.5 lakhs. We have a lot of money.

[06:46] But we have a lot of income. Okay. So, 2.5 lakh cash is home. We have to do a modification on the Japanese. That not good That good And then overall I have 50 But you have higher expenses for education

[07:03] You have less than 90,000 per month. Yes sir. Yes sir. Okay. Alright. You have 2 lakhs. Monthly salary loan tax. I have a lot of money. The present goal is to retire. Kids education and marriage.

[07:16] Okay. In this case, we will be dispatching. Because I already have a house in my hometown, in Hyderabad. So, everyone has a common goal. And you have retirement for 6 years.

[07:28] And you retire only 6 years. And you have kids education from 80 lakhs to 1 year. So, you have a single kid. So, 15 years and 30 years, the higher education starts.

[07:41] And the present is B.Tech. And you have to do 1 year. In case of medicine, the master's, the gradation, the various variables. Our target is to be approximately 8 years to build.

[07:57] That's my visualization target. We are 40 years old, retirement by 50 years. Your lump sum investment is 2.5 years. You will invest in the last month.

[08:12] I will pay your monthly expenses to $20,000. But in starting, we have a $50,000. You can get $40,000. Then, we invest $2,000,000. After 10 years, we have a wealth created.

[08:28] We have a lot of money to do a business. So, first and foremost, slow and steady, and we can grow in 10% returns.

[08:44] 2.5 CR. Okay. It is slow to compound also growth. So, this 2.5 CR is the biggest risk factor in the market.

[08:57] So, slow and slow to market conditions, and risk profile, we are infuse in the market. So, how much percentage is AAS, gold, international stock market, Indian stock market, and that is growth.

[09:10] So, my target is the same. So, this percent will grow. So, normal stock market is growing in the 12% rate. Okay. So, the tax rates of this one-year-old, at least 10-11% will grow.

[09:23] So, if you want to get higher work, you will get higher. This 2.5 CR is the first 1 year of 25 lakh profit. So, this is the 2.5 CR. So, it's theoretical. But it's practical.

[09:35] It's 2 CR, 1 point CR is the 1st. So, practical, I can see that, theoretical, 2.5 CR to 7.1 CR,

[09:47] 10 years. And then, this is lump sum, 2.5 CR part. This is SIP. This is SIP, when we select funds, market strategy, 2 lakhs, 2 lakhs,

[09:59] market investors develop, this is 10% growth. Okay. Conservate, 10%. If you select SIP, this SIP is 4.8 CR. Lump sum is 7.1 CR. The two years after 10 years, 10 to 12 years are over.

[10:15] So deal risk is a specific withdrawal plan. The first thing is inflation. The present expense is 90,000. After 10 years, the same lifestyle is marked.

[10:29] 7% inflation is over. 1.77 lakh permanent. Same lifestyle is over. You are 50,000. Higher side of the price is 1.77 lakhs. This is target.

[10:43] Okay. So, this is HV. 11.940. So, this is 51 days. You initial look at the liquidable asset.

[10:55] Okay. Any mutual funds, stocks, anything. So, this is withdrawal rate. Usually, it is 4% withdrawal rate. And you see total amount of 10 years is 4% of your total amount.

[11:09] So, 11.9 Pulse is around 48 lakhs. And you see 4 lakhs, 4 lakhs. But you don't have 4 lakhs. So, this 4% rate is 3% of your total amount.

[11:24] You get how much you get. Okay? So, you get cash and you get 2% rate. You get how much you get. If we are doing the wealth, we will get a lot of money.

[11:38] It is slow to grow. But, the 10% rate is the target. But, retirement is a little bit more than 10% value. Why? Profile is low.

[11:50] So, I know that 8% rate is low. Inflation beat us low. We are low. 1% growth rate. Every year, we start the 12th year. My money is 24 lakhs.

[12:04] My growth growth is 8% but this is not the same. The start of the year is 12.64% and end of the year. Every year we will increase the income. Second year, we will increase the inflation.

[12:16] We will increase the income. So, in this year, our inflation rate is 2 lakhs. 2 lakhs, 2 lakhs. Next is 2.2, 2.4.

[12:28] All the income rate is 12. Every year, we are going to get you. Okay? You have growth growth. You have 2% growth, and you grow up.

[12:40] You have 2% growth, and you have 1% growth. You have to get you. So, growth is stable. We are 12 years, and we are 18 years. You have 6% growth.

[12:56] So, here you have 6% growth. That's a big deal. If you get your withdrawals, you will get your growth. Okay? If you get your withdrawals, you will get your withdrawals.

[13:11] And your growth is 8%. So, next calculation. So, this is the numbers. Practical, we have the amount of investment, growth, and return. This is the amount of return. Okay?

[13:23] So, I think that's the number of numbers. So, what is the first example of this? Let's say a little example. This is Nitschi 50. India has top 50 companies. Suppose you are COVID-19 in the past,

[13:36] the market is going to be in the past. October 2021, there is a start investment. Okay? So, you have 2.5 years of interest. So, this is the approximate 6 months to 8 months 17 fall in the past Okay So you have to get 20 to 15 risk So 2 year 2 year and then the result

[13:59] So panic when you get out of the exit type. So you decide to decide that you are in ASX class. That is experience. You have a medium risk level.

[14:12] That expectation is that every year, every year, 12% to 12% to 12%. We will start this time, almost 4-1-3 days. More than 1 year later, we will do the same level.

[14:26] So, the people will do this. Practical, we will do this. So, if we don't start this time, we will panic. So, if we go to minus this number, we will recover this level.

[14:40] Okay, if there is a big deal, finally it comes to profit 0% for minus this level. Okay. If it comes to profit, it comes to profit. Stock market. This is a big deal, it comes to profit.

[14:53] This is a big deal, but I think about minus 16% now it comes to 0% for the big deal. Then it comes to profit here. That's why I think about it. It comes to profit in the price of 10,000,000,000.

[15:05] But, if it comes to profit, it comes to profit. So, you know, the market will be very well. So, there are always options and downs. If we do the market in the last 10 years, we will invest in 5 years and we will be consistent with the investment.

[15:20] They will always be positive. How much percentage of the market will be positive. Okay? So, this market is the first question. Corrections are the market. Corrections are the market.

[15:33] Move over. This is the first question in 2024. There is a range. So, this range is not enough. Okay. So, the range is more aggressive. We have to market.

[15:46] We are looking at the same price. The same price is 2023-2025. Okay. So, the market is more expensive. So, we will invest in a good place.

[16:00] We will have to market in one year. We will get the same price. This is a growing economy. It is still a market. So, if you have patient or consistent, it is important.

[16:13] Suppose, the top place has the most investment and the most investment. You have 3-4 years to wait. So, how much investment and how much aggressive is important. So, if you have a roller coaster,

[16:27] if you have consistent, it will give you a return. Okay. So, if you buy a trade, you get 2 rupees, you get 3 rupees. A lot of rupees, it's great. It's 5%.

[16:40] If you get a lot of problems, you can get a lot of money. If you get a lot of money, you get a lot of money. That's a guarantee. Unless you get a lot of money.

[16:53] So, here you go. You can get 10% and 20% and you can get 80% of your time. So, you can get 10 points of time. So, you can get 10 points of time.

[17:05] Okay, and next two. How do you invest? This is a basic calculation. Okay, and you have the main important point. We have 10 years investment. In this 10 years, there is the same risk profile.

[17:19] So, you have risk profile. You have 10 years, you have money. 10 years, we have to invest in equity in 10 years. But when you are 40, you are not very aggressive. You have to do 20 years of investment.

[17:32] You are going to medium risk. But you are going to medium risk. Next year, you will retire after you. You are 49 years old. You will not have risk allocation. In the next COVID-19 market, you will have to build 12 years.

[17:48] So, time to time, you will have to adjust your risk profile. You can have 40, you can have 50, you can have 50, you can have 50. In present, this is my preferred allocation.

[18:01] In next 10 years, I have invested in the present, 20% large cap, 20% flexi cap. So flexi also has large exposure. Small and mid cap is 20%.

[18:14] So here, 60% is in the equity market. Next, debt. You have gold and silver. Already you know family for your ornaments are not available. For investment, market hedge, some compensations, gold and silver ETFs, mutual funds, and reach.

[18:30] In case you have gold and gold, we will have more easy to arrange. Electronic gold receive. That's 10%. And then, 20% of the amount, debt funds, hybrid funds, corporate funds, and PPFO, NPS.

[18:47] Low risk government schemes to low risk mutual funds. Weet law 20% 50 lakh amount. International exposure. I mean, that is, Rupee weakened and dollars strong. US market slow exposure plus dollar,

[19:00] and that is, international funds low 10% is. So, you total 2.5% year, you will have split the last year. Okay, that is what I am saying. So, percent to percent vary. You have knowledge.

[19:12] You have a risk. You have a small meat equivalent. So, the % to % vary. And this is initial period. Suppose, this amount is in the next one year.

[19:25] If the market falls, if you attract this, you can get this allocation. That is near risk concentration. Suppose, the market is in 2 weeks, or something like that is very low. Small cap and mid cap index is very correct.

[19:39] 15%. The top range is in the same amount, you can get to the small cap and mid cap. Okay. That goal is to correct the question. I will tell you about the answer. So, the subject correction is over a little. I will maintain that. 5 years after that,

[19:52] I will say the equity exposure is around 70%. Okay. This 70% is 50% to the issue. After 10 years, I will retire the next year. I will say that the equity exposure is 25-35% to the risk.

[20:07] And I will say that I will say that short-term goals and medium-term goals are not going to be Your kids education, marriage, and any policy in the talent, those amounts in the most low-risk funds you will get.

[20:20] So, your debt fund, hybrid funds are available. So, your next 3-4 years to 4-5 years of your amount, in case the market falls, you will get your equity portfolio.

[20:33] That 10-6 years, you will get to get. So, your amount is available in your hybrid funds, bonds, and you will get to get. You have the amount or the equity amount. You have the market follow-up.

[20:46] You have the option to give it Here your risk allocation is changed You are close to retirement You are close to retirement So this is why you are doing tax profit harvesting You are doing taxation.

[20:58] So, you are doing long term capital. You are doing tax tax. So, you are doing tax tax. So, you are doing tax amount. You are doing tax amount.

[21:10] You are doing tax tax. Okay? So, this is your creation plan. So, you have questions about your question. You are interested in the large-scale group text-suit-art-1.

[21:24] You can explain on the investment phase. The investment phase is a good amount. You have to do this money monthly. You have to do this money. You have to do this money.

[21:37] You have to do this money. You have to do this money. You have to do this money. So, if you invest in a fund, you can invest in a fund.

[21:49] You can invest in a fund, you can invest in a fund. There are new choices, but at any point of time, 6 to 8 mutual funds, you can't afford. What do you plan for emergency fund?

[22:01] We will pay low risk for this year. We will pay for 5-10 lakhs to pay for emergency fund. I have a complete plan and I have a complete plan.

[22:14] Do you have a market period? In the markets, there are a certain funds. Tax-cover funds are in the same week. If you have a short term, you will go to the first markets.

[22:26] If you have a short term, you will go to 10 years. And you will always go to the emergency. So, in Italy, there are short-term capital in Italy.

[22:38] So, in this case, if you have 1% of emergency, we will postpone this. So, emergency is what is happening, health emergency, life emergency. So, in this case, investment starts from your family, your family has 1-year health insurance,

[22:50] your family has 2-3-year term insurance. So, this is the emergency. Yes. So, in this case, I have to pay for the last capital, and I have to pay for the fund.

[23:02] So, now mutual funds invest in two ways. So, you own the investment, or not the mutual fund distributor. So, you invest in one commission. You have to pay 0.7% or 1% extra commission.

[23:19] And the total assets. This is two ways. So, you have to list the large cap and the unique funds. And the rolling returns concept. So, rolling returns are not allowed.

[23:31] Last 3 years, 5 years, 7 years, 10 years performance is the one. Fund manager history is the one. Funds are consistent to be okay. Change is the one. Every 6 months, change is the one.

[23:44] Fund manager is the one. Handle funds. That is important. And you said that there is upside ratio and downside ratio. You don't have to be very good in the market.

[23:58] So, you have to know there is a location. There is a location, there is a location, there is a location, etc. Because, there is a location in present day, there is a whole lot of time. Okay? So, you have to know the funds that you have to know the top 4 funds or 5 funds.

[24:12] So, this is daily money, right? We have to know the daily money. And if you are a market enthusiast, you can't see it. So, you have to know the overall choice of 50 and 50 index funds.

[24:26] Every candle represents one week. Every second you change out. You have to track your money in the market. If you have a monthly SIP amount,

[24:39] it is 50-50. It is a small cap and a mid cap. If you have a attractive price, we will invest in the daily market.

[24:51] But you will open it and you will get a long term long term liquid value add out. That's a good problem. That's a good problem. So, theoretical number is a lot of money,

[25:03] practical number is a lot of money. We can do it in the market. So, if we have minus, we can do it in the profits. Okay. So, we plan to get the market attractive,

[25:19] aggressive investment, we can do it in the bond. Okay, but long term value investors definitely market rewards. But next, I think I'm not going to be a good deal. You know, you have to study a weekend and weekends.

[25:36] Now, you have to do this proper asset allocation. So, you have to do this last year. So, last year, you have to return the last 10 years. Now, this is low risk, low reward.

[25:50] Flexi Cap is low risk and low reward type. Small Cap, Mid Cap, High Risk and High Reward. Gold to Silver and separate classification. Deel flow, 100% high risk and high reward.

[26:02] Low risk and medium risk, 40% higher. Average returns, weighted average returns. Workout and adjusts. This is your sales home.

[26:14] So, days, you adjusts. If you invest in a market condition, you can get aggressive and get aggressive. If you spend a few years in the market, this experience will be better.

[26:26] If you open the Tuckman index, you can get aggressive and get aggressive. If you buy a silver piece, you can buy a silver piece of silver. Almost 300% to 400% of silver.

[26:44] But if you want to buy a price, you will be aggressive. You will be able to buy a 2 lakhs or 3 lakhs. So, you will buy a 5,000-10,000 investment. So, if you want to buy a price, you will be able to buy a price. Yes, yes. Yes, yes.

[26:56] Yes, yes. So, you share this Excel, right? Yes. So, if you want to get a doubt, we will connect. But, you already have 40 years, don't wait too much. If you invest in 2 years, you will be able to invest in 2-3 years.

[27:12] Yes. Okay, so just to me understanding, we don't have the amount of secondary. So, if you invest in 11 years, you have around 15 years.

[27:24] Two years ago, you invest in 2 years. Okay. So, if you invest in 11 years, you have to delay. So, at least you have to run a target. Okay. So, get the best system.

[27:37] Sure, Andy. Yeah, sure. Thank you. All right, Andy. Thank you so much, Andy. All the best. Thank you.