The BEST INVESTING GUIDE for AGE and SALARY! | Investing For Beginners 2023 | Ankur Warikoo Hindi
Summary
This video discusses how your salary and future earnings should impact your investing style, emphasizing the importance of aligning investments with income levels. It explores different income categories and corresponding investment strategies, highlighting the significance of managing expenses and having emergency funds. The speaker delves into various asset classes like equity, mutual funds, and fixed return assets, advising on creating a balanced investment portfolio for long-term financial growth. Ultimately, the video emphasizes the importance of financial planning, strategic investments, and maintaining financial stability through diverse and prudent investment decisions.
Chapters
Understanding Investing Style Based on Salary
Income Categories and Investment Strategies
Managing Expenses and Emergency Funds
Asset Classes and Investment Allocation
Mutual Funds and Stock Market Investments
Creating a Portfolio Strategy
Risk Appetite and Investment Growth
Optimizing Investment Allocation
Considerations for Investment Choices
Financial Decisions in Early Career
Managing Finances and Investments
Insurance and Investments Strategy
Debt Management and Credit Scores
Planning Investments for the Future
Financial Responsibilities and Future Planning
Building Financial Protection
Balancing Lifestyle and Investments
Ensuring Future Security
नेमहीने के खर्च कर करने होंगे हेल्थ
फैमिली तू टेक केयर ऑफ दम सेल्स
आपको ज्यादातर पैसा जो है ना वो सेफ असेट्स में रखना पड़ेगा
इन फिक्स्ड रिटर्न असेट्स भैया आपकी एफबी हो गई प्रोविडेंट फंड हो गया
क्रिप्टो मेरा सजेशन है मत करेगा 30 में
आपको साइड इनकम जितने बना सकते हैं सोर्सेस उस पर फॉक्स करना है
इनकम बी कमस बटर और बटर और आप अच्छे से और इन्वेस्ट कर सकते हैं
हैसियत भी है और जरूर भी है
दोस्त बहुत बहुत चीज खराब हो शकती है
तपाक पैर्स 12 महीने का होना चाहिए
जंगल में फस जो यहाँ कोई चित फंड है
लॉट्री के टिकट खरीद लो
Investment Allocation Strategy
Regular Investment Persistence
Investment Diversification
Financial Journey and Salary Growth
Understanding Investing Style Based on Salary
Discussing how your salary and future earnings should influence your investing style. Contrasting the difference in investing styles based on different income levels.
Income Categories and Investment Strategies
Exploring income categories and the corresponding investment strategies. Highlighting the importance of aligning investments with income levels.
Managing Expenses and Emergency Funds
Explaining the importance of managing expenses and having emergency funds. Determining the ideal emergency fund based on monthly expenses and income uncertainties.
Asset Classes and Investment Allocation
Discussing asset classes like equity, gold, real estate, and their relevance in investment portfolios. Emphasizing the need for diversified investments across different asset classes.
Mutual Funds and Stock Market Investments
Explaining the concept of mutual funds, stock market investments, and the importance of asset allocation. Touching on strategies for investing in mutual funds and other asset classes.
Creating a Portfolio Strategy
Detailing how to create a portfolio strategy by allocating funds to different investment options like mutual funds and fixed return assets. Balancing risk and return in investment decisions.
Risk Appetite and Investment Growth
Advising on risk-taking based on income growth potential and managing investments strategically to support financial growth. Discussing the importance of aligning investments with financial goals and risk tolerance.
Optimizing Investment Allocation
Guiding on optimizing investment allocation with a focus on fixed return assets, mutual funds, and stable equity investments. Developing a balanced investment portfolio for long-term financial growth.
Considerations for Investment Choices
Discussing considerations for investment choices, including mutual funds, equity comparisons, and index funds. Emphasizing the need for regular and diverse investments in stable financial instruments.
Financial Decisions in Early Career
Exploring financial decisions in the early stages of a career, including investment options, risk appetite, and asset classes. Providing insights on building a strong financial foundation for future financial stability.
Managing Finances and Investments
Discusses the importance of managing finances smartly, investing in emergency funds, health insurance, and different investment options based on risk tolerance.
Insurance and Investments Strategy
Details the strategy for taking health insurance policies separately for parents, opting for life insurance, and diversifying investments in equity, mutual funds, and small-cap funds.
Debt Management and Credit Scores
Explains the significance of maintaining a good credit score by managing credit card payments, avoiding unnecessary loans, and using credit wisely for specific needs like education or vehicle purchase.
Planning Investments for the Future
Focuses on long-term investment planning, building emergency funds, and making strategic decisions for future financial security and stability.
Financial Responsibilities and Future Planning
Emphasizes the need to prioritize financial responsibilities, plan for emergencies, and align investments with future goals and income growth.
Building Financial Protection
Highlights the importance of creating a financial safety net, increasing savings, and protecting future finances against unexpected events or economic downturns.
Balancing Lifestyle and Investments
Addresses the balance between lifestyle choices and investment decisions, including the allocation of funds for personal desires while ensuring financial stability and growth.
Ensuring Future Security
Discusses the importance of recognizing income limits, aligning desires with financial capabilities, and securing future financial well-being through prudent financial management.
नेमहीने के खर्च कर करने होंगे हेल्थ
Discussing the importance of health expenses for elderly individuals and the need for life insurance coverage to protect against unforeseen events.
फैमिली तू टेक केयर ऑफ दम सेल्स
Explaining the need for life insurance coverage and investment strategies to safeguard assets and ensure financial stability.
आपको ज्यादातर पैसा जो है ना वो सेफ असेट्स में रखना पड़ेगा
Emphasizing the importance of investment in safe assets and the recommended allocation of funds for stable returns.
इन फिक्स्ड रिटर्न असेट्स भैया आपकी एफबी हो गई प्रोविडेंट फंड हो गया
Discussing investment options in fixed return assets and providing recommendations for asset allocation to achieve financial security.
क्रिप्टो मेरा सजेशन है मत करेगा 30 में
Warning against the risks involved in cryptocurrency investments and recommending cautious financial decisions.
आपको साइड इनकम जितने बना सकते हैं सोर्सेस उस पर फॉक्स करना है
Encouraging additional sources of income and prudent investment decisions for financial stability and growth.
इनकम बी कमस बटर और बटर और आप अच्छे से और इन्वेस्ट कर सकते हैं
Highlighting the significance of generating income through strategic investments and financial planning for long-term wealth accumulation.
हैसियत भी है और जरूर भी है
Emphasizing the importance of maintaining financial stability and the necessity of emergency funds and health insurance.
दोस्त बहुत बहुत चीज खराब हो शकती है
Warning about the potential financial challenges and risks associated with inadequate financial planning and dependency on others.
तपाक पैर्स 12 महीने का होना चाहिए
Stressing the importance of having an emergency fund for financial security and stability during unforeseen circumstances.
जंगल में फस जो यहाँ कोई चित फंड है
Advising caution against risky investments and suggesting prudent financial decisions for stability and growth.
लॉट्री के टिकट खरीद लो
Discouraging reliance on luck-based opportunities such as lotteries and advocating for sensible financial choices and investments.
Investment Allocation Strategy
Allocate 15% to emergency fund, 40% to annual income insurance, and 60% to equity. Consider a mix of 75% Nifty Fifty and 25% Small Cap in equity. Avoid investments in gold, real estate, credit cards, loans. For earnings above 12 lakhs, consider a safe place like Fortis.
Regular Investment Persistence
Maintain consistency in regular investments. Avoid deviating from the plan. You can spend 25% on personal expenses. Adjust investments based on income levels. Aim for a 12-month emergency fund. Health insurance is essential for self and family.
Investment Diversification
Consider a mix of 70% equity and 30% mid-cap for investments. Avoid gold, real estate, and other assets. Use HDFC Bank credit cards instead of others for credit needs. Ensure financial stability and security before making decisions.
Financial Journey and Salary Growth
Start with 6 lakhs or less and gradually increase investments. Monitor and adjust salary and investments over time. Reflect on life experiences and failures to share insights. Stay prepared for life's challenges.
FAQ
Q: What are the key factors that should influence your investing style according to the discussed file?
A: Your salary, future earnings, income levels, expenses management, emergency funds, asset classes, diversified investments, risk-taking based on income growth potential, financial goals alignment, risk tolerance, portfolio strategy, fixed return assets, mutual funds, stock market investments, asset allocation, and long-term financial growth.
Q: What is the recommended allocation for emergency funds and annual income insurance?
A: Allocate 15% to emergency funds, 40% to annual income insurance.
Q: What is the suggested mix for equity investments?
A: Consider a mix of 75% Nifty Fifty and 25% Small Cap in equity.
Q: Which assets are advised against for investments in the discussed file?
A: Avoid investments in gold, real estate, credit cards, loans.
Q: What is the recommended investment mix for earnings above 12 lakhs?
A: Consider a safe place like Fortis.
Q: What is the recommended equity mix for investments?
A: Consider a mix of 70% equity and 30% mid-cap for investments.
Q: What is the suggested percentage for personal expenses in the investment plan?
A: You can spend 25% on personal expenses.
Q: What is the advised credit card choice for credit needs?
A: Use HDFC Bank credit cards instead of others for credit needs.
Q: How important is health insurance in financial planning according to the discussed file?
A: Health insurance is essential for self and family.
Q: What are the recommendations for financial stability and growth in the discussed file?
A: Maintain consistency in regular investments, avoid risky investments, ensure financial stability and security, and have an emergency fund for unforeseen circumstances.
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