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Ideal Income Tax rate Should be
No Tax :- Upto 10L
10% :- 10L to 25L
20% :- 25L to 50L
30% :- Above 50L
Govt should think about this !!
#IncomeTax
#TaxPlanning
A friend bought a flat for 1 crore in Pune
A loan of 60 lakhs was taken out, 40 lakhs was paid in cash.
Flat for rent.
The rent is 30,000
1 lakh per annum for maintenance.
So out of 360,000 rent, this leaves 2,60,000
Tax-Interest Separate.
That means the annual return was 2.6%.
The Indian mentality :
Get married, (Indian Fat wedding)
Buy a house, (Huge EMI and society Maintenance)
Buy a car (Status symbol)
Raising kids (Fancy school)
Show off in society you are happy.
Spend on material things to show off..
This leads to living paycheck to paycheck
On an Salary of Around ₹40 Lakh Annually
You Pay Income Tax of Over ₹8-₹10 Lakh
That’s Roughly ₹75K-80K Monthly in Taxes
But Businessman is paying not even 50% Tax on same income 😀
#TaxPlanning
Person earning 1 lakh per month and purchasing 20k mobile.
He is poor.
But Person earning 50k per month and purchasing 1 lakh mobile using EMI
He is Rich.
This mindset needs to be changed.
#Investing
#MutualFunds
One Couple client is from USA
Doing SIP of 3L🥳
Increasing every year by minimum 20K
Will come back to India after 10-15 years
They will have 40 Crore after 15 years .
Totally investing their money in India only . No US Assets at all
#Investing
#FinancialPlanning
My Couple Client
Age :- 40 Years
Income:- 3.5L PM
SIP :-1.25L PM
Recently Bought House in Pune worth 80L
50L Financed through Mutual Fund
Rest Home Loan
Their EMI was same as earlier rent
Now they have 45L saving in MF n 20L in PF
This is Financial Planning
#Investing
My Mutual Fund Portfolio
1. Parag Parikh FlexiCap
2. Quant Active Fund
3. PGIM Midcap Opportunities Fund
4. Canara Robeco Tax Saver
5. Canara SmallCap Fund
What’s ur MF Portfolio ?
#MutualFund
#Investing
#Compounding
One Couple client is from UK
Doing SIP of 3L🥳
Increasing every year by minimum 25K
Will come back to India after 10-15 years
They will have 20-22 Crore after 15 years .
Totally investing their money in India only .
No UK Assets at all
#Investing
#FinancialPlanning
Retirement Planning for one of my client
Monthly Income :- 1.8L
Current Expenses :- 1L
Current Age :- 30
Retirement Age :- 60
Life Expectancy :- 85 Years
Current Saving ::- 8L
Inflation Rate : 6%
Expected Return :- 12%
Retirement Amount Required :- 17.25Crore
Can achieve by
My clients Home loan tenure went from 360 months to 121 months 😳😳😳
After infusing only 36 exta EMIs as principal prepayment.
Basically He just saved 203 months worth of interest 😳😳😳😳
Word of advise guys,
PREPAY as much as you can.
#HomeLoan
#PrePayment
A friend in my society who earns around ₹ 48000 a month just bought an iPhone 15 with Bajaj Finance.
Interesting to see people getting debt trapped for playing the 'status game'.
He is the same guy who often complains to me that he can't save much to invest.
#Investing
SIP of Rs. 5K-10K per month will not create a significant impact in the initial 5 years.
After that, a single-day movement in your portfolio will be equal to your monthly SIP amount.
Stay in the game !!
#MutualFunds
#Investing
If you have a new Born Kid
Start a SIP of 15000 Per Month
Duration :- 20 Years
Expected Return :- 12%
Annual Increment :- 2000
You will have 2.67Crore at the end of 20.
Present Value of 2.67 Crore is 70L
Keep it simple !!
#Investing
#MutualFunds
If you are investing 30k per month ,the first 1 Cr will take about 12 years (assuming 13-14% CAGR in line with nifty50 historical returns)
The 2nd crore will take only 4 years
The third crore : only ~2 yrs
And….
That’s compounding!
#Investing
#MutualFunds
Today on boarded one client
He is doing SIP from last 14-15 Years
Total Investment :- 18L👍👍
Current Value :- 68L🔥🔥
He is big businessman in my town .
Today he shocked after seeing his investment value.
Compounding Magic🔥🔥🔥
#Equity
#MutualFund
#Investing
Power of Compounding
8-4-3 Rules
SIP Amount :- 30000
Expected Return :- 12%
It will take
8 Years to reach first 50L
4 Years for Next 50L
3 Years for Next 50L
After 20 Year you will add 50L almost every year
#Equity
#MutualFund
#SIP
#WealthCreation
Parag Parikh FlexiCap Fund has given 550% return in last 10 years ❤️
The most trusted and ethical AMC of India
@PPFAS
#Investing
#MutualFund
Are u invested in this fund ?
What society tells you is cool:
- A job with over 1 lakh/month salary
- A house with EMI
- An SUV car with EMI
What's actually cool:
- Any profession with freedom
- No debt
- Good health and happiness
Think about it!
#PersonalFinance
#Equity
#MutualFunds
#SIP
My father started an LIC policy for my brother in 2003 .
It has just matured 2 years back and now we are getting 20K in every 2 years 😭😭😭😭 for next 10 years . And 1L at the end of 10th Year .
#LIC
#Insurance
#Investments
Story of every household !!
@dmuthuk
One client is earning 1.5L Age :- 28
Paying : Home Loan
EMI :- 70K
Car EMI :- 15K
Fixed Expenses :- 45K
Current Investment:- 3-4L
Now max Save 20K per month .
He Stuck in Cycle now n will live paycheck to paycheck
#FinancialPlanning
#MutualFunds
#Investing
#SIP
If you started investing in HDFC Balanced Advantage Fund since Modiji come into power
Invested amount :- 1Crore
Monthly withdrawal :- 50000
Withdrawal till date :- 58L
Current Value :- 2.60Crore
This is the power of SWP .
Best solution for retired people
#Investing
You can keep trolling Anil Ambani for going bankrupt but he is still living a far luxury life than your 3 BHK backed with 30 years of home loan
He is still a millionaire while you are still busy selecting tax slabs and regimes
You don't become rich by hating the rich
#Adani
Planning for one client who is just 30 Year old
Monthly SIP :- 50K
Tenure :- 15 Years
Annual Increment :- 5000
Return Exp :- 12%-13%
Corpus Value :- 3.75-4Crore
SWP :- 6%
Monthly Inflow after 15 Years :- 2L
He is from well to do Family
#FinancialPlanning
#Equity
#MutualFund
SIP Investing is long term Game !!
Real game of compounding will start after 7th year .
Till then , Your focus should be on accumulating more units rather than returns
#MutualFunds
#SIP
#Compounding
One client is earning 1.5L
Age :- 28
Paying :
Home Loan EMI :- 70K
Car EMI :- 15K
Fixed Expenses :- 45K
Current Investment:- 3-4L
Now max Save 20K per month .
He Stuck in Cycle now n will live paycheck to paycheck
#FinancialPlanning
#MutualFunds
#Investing
#SIP
Profit of 100% on ₹1 lakh is ₹1 lakh.
Similarly, 10% profit on ₹1 crore is ₹10 lakh.
Rate of saving is more important than rate of return in initial years of investing
#Investing
#MutualFunds
#Equity
Planning for one client who is just 30 Year old
Monthly SIP :- 50K
Tenure :- 15 Years
Annual Increment :- 5000
Return Exp :- 12%-13%
Corpus Value :- 3.75-4Crore
SWP :- 6%
Monthly Inflow after 15 Years :- 2L
He is from well to do Family
#FinancialPlanning
#Equity
#MutualFund
Had a discussion with one Potential Couple client
Earning :- 5L PM ( Combined )
Bought Home 2 Years Back . Cleared Home Loan in this year itself
Have Indian Stocks , PPF and US Stocks !
Now going aggressive in MF’s
This is True Financial Freedom🥳
#MutualFunds
#Investing
Kaju is earning :- 50K
SIP :- 10K🥳
Raju is earning 1.5L
SIP :- 15K🙄
Saving % is most Important ! Try to increase it as much as possible
#Equity
#MutualFunds
#SIP
When I tell, anyone can accumulate 1 Cr investing 15 thousand from salary.
People are more concerned "What will be value of 1 Cr after 15 years"
Believe me.. it will those overthinkers only who will be having ₹50k lying in their account even after 15 years!
#MutualFunds
Equities dont provide Monthly Income like a Salary 😀
It won’t give salary for 10 months and in the 11th Month , it will be a 12 month salary 😀
#Equities
#MutualFunds
#SIP
#FixedIncome
If you started investing in HDFC Balanced Advantage Fund since Modiji come into power
Invested amount :- 1Crore
Monthly withdrawal :- 50000
Withdrawal till date :- 58L
Current Value :- 2.60Crore
This is the power of SWP .
Best solution for retired people
#MutualFunds
Price :-
HDFC Bank January 2021: 1542
HDFC Bank January 2024: 1486
Profits:-
HDFC Bank January 2021: 31857Crore
HDFC Bank January 2024: 6000Crore
#HDFCBANK
There should not be Income Tax Upto 10L
Govt should give this relief to Middle Class in Upcoming Budget !
This will be huge boost for consumption
#IncomeTax
#Budget
#NarendraModi
Most Bought MF are Parag Parikh Flexi and Quant SmallCap
Both are following different investing style and both are doing great too
#Investing
#MutualFunds
One of my friend has bought Flat by selling his Mutual Fund Portfolio
He bought flat because of his In Laws Pressure 🤦♂️
Whole Investment gone in single tick !
#Home
#Equity
#MutualFunds
Why settle for less?
A 30 year-old investor with only 20L in capital can create 13Cr by age 60 without any further inflow!
This is the power of compounding !!
Many IT guys have this money at the age of 30 !!
#MutualFunds
#Investing
#Compounding
Wealth is created by investing ₹10000, ₹50k or ₹1 lakh monthly in 4 to 5 Mutual Funds rather than 15-20 MF’s.
Too Much Diversification won’t have any positive impact on ur Portfolio .
How many Funds u have ?
Mine is 5
#MutualFunds
#Investing
SIP Investing is long term Game !!
Real game of compounding will start after 7th year .
Till then , Your focus should be on accumulating more units rather than returns
#MutualFunds
#SIP
#Compounding
Raju is earning :- 50K
SIP :- 10K🥳
Kaju is earning 1.5L
SIP :- 15K🙄
Saving % is most Important ! Try to increase it as much as possible
#Equity
#MutualFunds
#SIP
If you are investing 30k per month ,the first 1 Cr will take about 12 years (assuming 13-14% CAGR in line with nifty50 historical returns)
The 2nd crore will take only 4 years
The third crore : only ~2 yrs
And….
That’s compounding! Money makes money
#Investing
@dmuthuk
Saving won't make rich, but investing will:
• If you save 10,000/month for 30 years (at 4%) you'll have 60 Lakhs
• If you invest a 5,000/month for 30 years (at 12%) you'll have 2.5 Crore
Invest as if your life depends on it.
Compounding matters!!!
#Investing
#MutualFunds
Sukanya Samriddhi Yojana (SSY) is a really good investment if you have a baby girl.
₹ Interest Rate 8.2%
₹ Interest not taxable.
₹ 80C deduction allowed.
This is for those who wants fixed income instruments instead of Mutual Fund .
#MutualFund
#SSY
#Investing
Bought IPhone 15 Today !!
Now I am not able to find any difference between 15 and 11 😀
Feeling like using old phone only !!
Am i missing anything ?
#Iphone
#Apple
FII and DII both are buyer today 🔥
I repeat , One way Teji is not good for market at all .
Need some correction to sustain this move . Else it will end badly
#Nifty
#Sensex