Most important part of retirement planning is calculation of monthly income. In this video Swati, b wealthy lets you know how can you get upto 40 thousand rupees per month with an investment of 50 lakh.
रिटायरमेंट के बाद मिले 50 लाख से 40 हजार महीना कैसे कमाएं? जानना है तो ये वीडियो देखें।
#retirement income planning
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Retirement planning is an essential aspect of securing our financial future, regardless of the amount we earn. However, when it comes to retirement on a monthly income of 40 thousand rupees or 50 lakhs in total savings, it requires careful strategizing and prudent investment choices. In this article, we will explore various ways to make the most out of your retirement savings and generate a steady income.
1. Start Early and Save Diligently: If you haven’t started planning for retirement yet, now is the time. Time is your greatest asset in building a substantial retirement fund. By starting early, you can capitalize on compound interest and make smaller contributions towards your savings. Cut down unnecessary expenses, create a budget, and stick to it religiously.
2. Diversify Your Investments: Relying solely on traditional savings accounts might not yield substantial returns. Explore various investment options such as stocks, mutual funds, bonds, real estate, and gold. Diversifying your portfolio reduces risks and increases the potential for higher returns. Consult with a financial advisor who can guide you based on your risk appetite and goals.
3. Consider a Systematic Investment Plan (SIP): SIPs are an excellent investment option for individuals seeking long-term wealth creation. By investing a fixed amount in mutual funds regularly, you can benefit from rupee-cost averaging and compound growth. Choose mutual funds based on your risk tolerance and invest consistently over the long term to accumulate wealth.
4. Invest in Government Schemes: The Indian government offers various retirement-oriented schemes, such as the National Pension Scheme (NPS) and Senior Citizen Savings Scheme (SCSS). NPS allows you to invest in a mix of equity, corporate bonds, and government securities, while SCSS provides fixed returns over a specified period. Research these schemes and choose the one that aligns with your financial goals.
5. Explore Additional Sources of Income: Retirement planning becomes more manageable when you have multiple income streams. Consider leveraging your skills or hobbies to generate extra income. This could include freelance work, consulting, teaching, or starting a small business. Utilizing your expertise can supplement your retirement savings and increase your income potential.
6. Reassess your Expenses: As retirement approaches, it’s crucial to revisit your expenses and adjust your lifestyle accordingly. Analyze your spending patterns and identify areas where you can cut costs. Downsizing your accommodation, reducing discretionary expenses, and adopting a frugal approach can contribute significantly to your retirement savings.
7. Purchase an Annuity Plan: An annuity plan is a financial tool that provides regular income during retirement. By investing a lump sum amount, you can secure a fixed or increasing income stream for a specific period or lifelong. Evaluate different annuity plans offered by insurance providers to ensure a steady cash flow after retirement.
In conclusion, retiring with a monthly income of 40 thousand rupees or 50 lakhs necessitates a focused approach towards financial planning. By starting early, diversifying investments, exploring government schemes, creating additional income sources, reassessing expenses, and considering annuity plans, you can achieve a comfortable retirement. Seek advice from professionals, stay disciplined with your savings, and invest prudently to enjoy a financially secure future.
शुक्रिया, उन सभी का जिन्होंने ये वीडियो देख लिया है। उन लोगों को भी धन्यवाद जो ये वीडियो आगे देखेंगे। अभी तक के सभी कमेंट पढ़ें। बहुत खुशी होती है ये देखकर कि निवेशकों में जागरुकता बढ़ रही है। कई कमेंट में इन्फ्लेशन से लेकर कई तरह के सवाल है। सवाल एकदम सही है – बहुत सारे फैक्टर्स को ध्यान में रख का पोस्ट रिटायरमेंट निवेश की प्लानिंग करनी होती है। और हर निवेशक की निवेश स्टाइल, स्ट्रैटेजी, रिस्क लेने की क्षमता वगैरह सब अलग हो सकती है।इसलिए इस वीडियो में हम ये दावा नहीं कर रहें कि ये आईडियल पोर्टफोलियो है। हमारे पास लिमिटेड जानकारी आई- सवाल के रूप में, और हमने उस सवाल के जवाब के ज़रिए एक डायरेक्शन देने की कोशिश की है कि कैसे आप अलग-अलग इंस्ट्रूमेंट्स का सहारा लेकर अपने लक्ष्य तक पहुंच सकते हैं। आपको ये भी आइडिया मिलता है कि आपके लक्ष्य realistic है कि नहीं है। Stay Blessed, Healthy & B Wealthy
LIC paid up value information vedieo send kare
9250 is for quarterly not for half yearly.when you don't know pl .don't give wrong information.with half knowldge making such vedios doesn't serve any purpose.note this.
Why not to deploy all in mfunds
Swp is not good because after 10 years your diposit amount have to be ZERO.
Thanks for detailing.
2010 me 50 lks bahut badi amount hai
Madam EPFO Higher pension mai jai ke nahi?
50lakh ka interest monthly kitna milega SBI bank me
Thank you ma'am
Maine money management me isse behtar channel nahi dekha aajtak
Please make video for 2023 because SCSS and post office monthly deposit amount will change.
Thank you Swati Ji. Explained in a very simple manner. I have been getting monthly income from Post Office MIS, Bank FDs, Bonds.
Now I am planning to invest around 30L in Balanced Advantage Fund, Equity Hybrid Fund and Index Fund for SWP or I will plan to withdraw whenever I need money and allow it to grow otherwise.
Aur inflation ka kya aur risk toh fd me jyada hai kyon long time maine fd ka khatrnak roop dekha hai inflation ke karan
What is meaning of swp
What is meaning of swp
Sabka Sapna money money
While preparing for retirement, the wisest thing that should be on every wise individual's list is to invest in different stream of income; I am earning more this year because I have been investing while working at the same time. I invested through ROCHELLE DUNGCA-SCHREIBER, same woman that an anchor kept mentioning on CNBC, and made multiple of my start up capital within three months . She lives here in the USA and she is licensed
Video Ko Like to Banta Hai
Very nice vdo
Tax pay karna parts hai senior citizen scheme m
Usey Kaun minus karega
Mis post office
madam i am also looking for retirement planing advise
17000 kyu add Kiya mutual funds Kam hoga in future inflation dekh rahe ho? 83 rupee 1 dollar ho rakha hai
Mem 15 lakh lic jeevan Santi m b daal sakte h j
Ghamand nahim hona chahiye bahen?
Aisom keliye paisa?
Bazar grata hai to uthata bhi hai
Bhai kya bewkoofi hai 1000000 se 17000 ka swp
Gaverment ki health insurance maharashtra ka to bataye please
Bokbas hai
मेरे पास 1700000 रुपए है आप बताएं मुझे₹15000 महीने चाहिए
आजके हिसाबसे अगर आप 17000 हर महिना निकालते हो ( 11 लाख corpus से ) तो चार साल मे 11 लाख खतम हो जायेगा.
5 साल के बाद sr. सिटीझन का tenor खतम होता हैं. उसके बाद नया इंटरेस्ट रेट चालू होता हैं.
वयोवंदना 10 साल के बाद इंटरेस्ट रेट बदली हो जाता हैं.
तो ये जो बताया प्लॅन हैं वो 10 साल मे 50 लाख से 30 लाख बनाने का प्लॅन हैं.
I would consider annuties as well. For guranteed income, those are necessary part of investments.
Video is not clear.
Please describe clearly
Sabko ullu banaya ja raha hai
Or sab mil kr diya bekoof bhi bn rahe hai.
Yahan koi investment nhi ho rahi hi
Logon ko garib banane ka tarika bataya ja raha hai
Agar hame 7% ka return mil bhi Raha hai to koi fayda nhi hai 6% to inflation me chale gaye to kya hm matra 1% ke liye investment Karen
Isse jyada benifit to property banane me hai 25% return milta hai
Or 10 sal me rupya 10 Guna ho jata hai
Mam please suggest HDFC balance advantage mein invest karna chahiye
Boi AXA smallcap ke bare mein do shabd next video mein bol de ki fund theek hai thankyou ji
Hdfc balance advantage fund idcw में invest कर दो , हर मिहीने 42000/मिलेगा
Ok
You made a video on probability. Will await for your concrete, without decay in principle ,some plan to earn Rs.40000
Your thought process is to good, but above this some bussiness online/offline to be develop before retiring which boost moral and mediclaim shall also be included
Which mf scheme is best for swp
Friends, She is definately trying to sell you something. If you have 50 million to invest, you are smart (or lucky) to have funds. If you are smart you can do your own research as to where to invest. She is going to charge you hefty for her services(with zero risk to her) Don't fall forher sweet talk. If you can get 10% annual terurn on your investments you are beating her. That simple. You don't need her.
FAKE..BABY TRY SOMETHIG ELSE…
I'm 41 years old how can I get financial free. My in come around 7 lakh per year