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How Do You Say You Have Enough Money To Retire ?

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No planning ever fructify Comment from : Vimal Maheshwari

1 List of Assets with full identification numbers and locations: lockers, property documents, demat accounts, receivables pronotes and hand loans, partnership and LLPs in which partner, list of loans, guarantees, mortgagesbr2 List of Uptodate passwords and email accounts br3 Mandate on how and where to conduct last rites, body part’s donation contact details, donations br4 Living will : instructions to near relatives on extent of medical treatments and artificial prolonging of life , list of medical experts, location where soft copies of medical records kept Comment from : Chandrakanth Rao

thank you Sir Great information I have a question If you draw 4 each year and you earn 6 interest on your portfolio, will your money ever finish or not I am 45 year old and want to retire soon As I need at least 35 year retirement, I wnt to know if my portfolio will last or not if I earn 6 return on my investment each year and draw 4 Comment from : Gp Vacancy

Nice Comment from : Husen Shaikh

My Parents say they want to work till there end of life and dont want to retire Comment from : VIJAY PATIL

4 is not for India Comment from : Nitish Bhatt

Excellent informative topic Thanks👍 Comment from : J R

Sir Thank you so much for your guidelines Good Health insurance cover should be 20 to 25 lakhs Base policy 10 lakhs and top up upto 25 lakhs This is my opinion Warm Regds, Chandrasekhar Comment from : Chandrasekhar Rao

Dr Chandrakant, thank you for a very good insight on financial planning Your 4 rule gives good confidence to me Comment from : Jayant Pandit

DrChandrakant ,brThank you for your detailed explanation about retirement and Investments I have learnt a lot from your good advice I live in Canada and I visit Dubai/India every year Hope to meet you in Dubai to discuss about investment Comment from : Precy Menezes

Very very useful guidance 👌 Comment from : Reshma Sheikh

10 crore and a house is enough Comment from : desiguy

6 Comment from : OncologistIndore

So eventually we need 10 return in india assuming an inflation of 4 Comment from : OncologistIndore

It is 4 post inflation Comment from : OncologistIndore

Thank you sir for great knowledge Comment from : Iqbal singh dhaliwal

Excellent advise I listened to so many presentations to get a hang of how to plan for retirement and your systematic, lucid and balanced presentation is the most valuable one I am a bit late in planning and behind schedule but I have a clear vision of the path I should take Comment from : swati khanduri

I like your videos topics and clear pointed coverage On this topic of how much funds are good to retire I would have liked you to cover one specific NRI aspect I would even like to consult you for that There are many parents sponsored by their children for Green Cards and permanent status to live abroad These retired well to do parents live with the children but they would like to spend money for their families as some contribution whether children want it or no They do carry very good corpus in India and earn a lot but how they can be helpful to children abroad while either living abroad or both here and there 6-6 monthsCan you cover this aspect please Comment from : Vilas Bondse

Corpus of 30 times your annual planned expenses is good enough brOne must live frugally Comment from : Shyam Sundar Mishra

Have h Comment from : Kiran Rao

👍✅ Comment from : h chetri

You dumb …its 4+6 percent, 6 percent is for inflation, your total interest should be 10, from where these dumb financial advisor comes? He will ruin life of his clients if he gives these types of advice Comment from : chandankn

Bugger copied all content from free vides Comment from : chandankn

Dude, you can not live life from rental income😝😜🤪typical south indian mentality Comment from : chandankn

Before retire make sure you have a "RATION card, Gas connection to your home, Medical Insurance and Know you cannot get even a credit card in India if you are over 70 years ! You should have cash in hand always ! Above all you should not have integrity, honesty and compassion which can be exploited by others ! brI came to India after 45 years work in Africa and found hard to live in India and I decided to go to USA to settle Comment from : Muckadackal Mathew

Very good informatiom Comment from : vijay chhallani

The inflation in UK is 8 this year The bank interest rates are still 0-1 Certain events change the whole calculation so better to have a very good buffer Comment from : Karan Kukreja

Foolproof Comment from : aCha insane i

Superb one Great eye opener Comment from : Subramanian Venkatasubban

I’m 60 , if I want to retire at 70 , how much funds I should hv Comment from : sandra drago

Very rudamentary calculations with assumptions that are not well spelt out Comment from : Sanjeev DD

Thanks sir, you are 99 correct I say this because these days rental income is not inflation proof, specially in INDIA Thanks once again Comment from : Tushar Aggarwal

Settle down in native village ☺️ Comment from : Moorthy

Money Only Don't Save Anybody Comment from : ETTUPATTI INFO INDIA

What about Persons in India don't have any income ,around 40crores After retirement, children's should take care of parents old age, OR by Central govt,,each village govt should run old age Home free , for 60 yrs and above,,,, Comment from : ETTUPATTI INFO INDIA

Good Health Maintained by a human,,,does not need any money, investment, Comment from : ETTUPATTI INFO INDIA

You did not take inflation into account With 0 growth, and 4 withdrawal, adjusting for inflation, 25X corpus will get exhausted within 10-15 years depending on inflation Comment from : Abhisek Tripathy

Unfortunately world changes and no one’s plan can be goodbrIt’s the best thing if we look after each other, money or no money Comment from : Hard Plabber1

Your phone number not working from Canada Comment from : Dilip Kar

Super Advise Thank you, Sir Comment from : Subramanian R

Very well presented It should be a part of the financial education for everyobody Comment from : Satinder Sandhu

Very useful info sir thank you Comment from : monish thomasp Puthenpurackal

Thank you for vaulable insights Will contact you to discuss further Comment from : Hello There

A word of advice on reverse mortgage as a part of the retirement plan will be helpful Is it as villainous as made out or was it sabotaged by the institutional setup in India? Comment from : Narasimha Murty

Good advice by Mr Bhatt Saab Comment from : kshambhavi

If getting admitted to ApolllllllobrBuy health insurance 250 lakhs Comment from : Suresh Venkataraman

Horrible advice The "4 rule" study clearly tells which assets to park your money Rental and debt funds will get you killed Please avoid this guy Read the 4 rule done by Trinity college This guy didn't do the study like he's claiming 🙄 Comment from : Sachin Chadha

Sir please make a video on personal accident insurance plan, in spite of being so cheap why is it so less advertised? Comment from : Bappa Saha

Very informative n usefulthankyou sir Comment from : Sumangala Jayapal

Age 55brbrAmt in hand 50 lacs rental income 40000 pm + 5 increase every yearbrbrNo responsibility Comment from : paras virani

Very good Comment from : mohammad tawfiq

Great are the people who make complex things look simple Good guide to prepare oneself to retire Comment from : ravi kant sharma

Hindi karo Comment from : Kamal Gandhi

Cash lasting for 25 years for 0 interest rate is misleading since inflation is not consideredbrbrIn US the 4 rule has been validated assuming 60 invested and 40 bonds It is not based on zero returns Comment from : cherishgp

Sir, I am soo impressed on this financial advice I am of the same line of thought, however investing in the rental real estate in Kerala, from where I am from, is not as u told Here in Kerala, the rental real estate is NOT inflation proof I will be in touch with u for for valuable advice I need from you Really very informative are all your advices 🙏 Comment from : Buttons & Bows India

What do u mean by rental real estate In one video you mentioned that income from house rent is only 2 Comment from : Malathi Puvvula

Really helpful brAppreciate Comment from : Bhagwan Punjabi

Almost all financial advisers are bogus people They very well know that there is no foolproof solution for financial security But, they will pose as if they have clear solutions Most of them will come out and proclaim their knowledge when the stock markets are booming because, whatever advice they give, people will make money in a bull market But, when the market bust and become bearish, these financial advisers/consultants will silently disappear and will not be heard or seen anywhere Comment from : Padma Anand

Great information Comment from : _CREATIVE LEVEL _

Why didn’t you talk about kids send money to parents from overseas ? 😂😂😂 Comment from : John Butler

Good one But of late, interest rates were kept low whereas real inflation is pretty high Traditional rules seems not really working Comment from : Radhakrishnan Balaji

Good eye opener 👍 Comment from : Manoj Kumar

Sir, can you please explain RNOR when he should close nre fcnr accounts Can Rnor maintain Nre fd and fcnr fd Comment from : Krishnakumar Bhatia

You explain very well Comment from : Santosh Thanekar

One more thing to be considered for rental income is the cost of maintaining (repairs) of your property - the older it gets, the more chances of repairingalso it depends if you want to live a simplistic or lavish lifestyleyou can live with the first one for far less than the second golden simple rule is spend a bit less than you earn - in other words, keep saving as much as possible - of course, without being a miser!!! Comment from : Suresh Peshawaria

No social security from our govt it's high time our govt should change certain laws so that people who are paying taxes should get social security benefits from the government Comment from : Latha K

No support from govt, the retired people in India get very low pension,they cannot follow your rules, you are only taking about rich people, what about lower income people Comment from : Latha K

excellent sir on the retirement advice Thanks Narayan raghavendra Comment from : Narayan Raghavendra

Awesome knowledge You are really an authority in personal financeThis video helped me clarify a lot of my doubtsbrbrbrI just have a questionCan I retire if I meet this 4 rule at the age of 40 ?brbrFor ex : Say I accumulate 3 crore at the age of 40 and my monthly expense is 1 lac but my age is 40 brbrCan I retire in general in such caseTo be candid , I wanted to follow my passion and hobby which might not give me much income after 40 , Can i accumulate 3 cr and retire at the age of 40 ? Comment from : Gaurab Das

1 lac per month will not remain 1 lac per month 20 years later brWhat is the inflation formula to see what 1 lac today amount to 20 years later ? Comment from : sacha admi

What about for those getting pension Comment from : jayashrees

Couldn’t agree more Excellent advice Comment from : Sara Mykonos

Inflation is picking up Official inflation figures is around 6but the real inflation on the street is today 12-15 minimum for everyday items Comment from : Danny Cbe

How did you arrive at the figure of 1Lac INR per month? What is the benchmark? Comment from : Suman Jacob

Thanks Sir, My doubt get cleared by watching this video Comment from : Arindam Ghosh

Nice explanation 👍 Comment from : S

Immensely informative Thanks for the great advise Comment from : Joseph Otieno

25 lakh insurance plan Its was a comedy or what Comment from : Rbs Dxb

Good presentation Easily understandable Comment from : Ganesan Chidambaram

Three questions sirbrbra Is the 25 times annual expense rule valid at the age of retirement or any age?brb Is the 25 times annual expense rule valid even in India, considering that our inflation is higher than that in the US or many of the developed countries?brc Can the value of other assets be also included, like house value, gold value, etc, while considering the corpus required ie, 25 times annual expense amount So if house is 2 crore worth and savings one crore, will the corpus be 1 crore or three crores I am asking this because it is not easy to dispose off assets such as real estate in the old age There are taxes to consider and also the lack of mental alertness, which could lead to major mistakes Comment from : VANDANA RAO Yalamanchi

Thanks Comment from : Chander Hirani

How about investing in blue chip companies in the stock market? With steady dividends and high liquidity, it's my choice My dad invested during his working days, now he is 90 and bedridden His dividends are seeing to his needs and the extra are being enjoyed by the children Comment from : T J Pereira

Dont tell any thing for u r vested interest _i am Reted i have no money tell me what to do Comment from : Anand A

Thank you Dr for sharingbrMay God Bless you and your familybrWoth love from Malaysia 👍 Comment from : Norain Tipo

Am based in Mumbai India Do u charge for consultancy on whatsapp? If so, what are the charges? Thanks Comment from : C Vakil

All lies don't believe Comment from : nagaraja babu

Thank you! I liked the way you explained it Comment from : Nikesh Jain

Namaskaara Bhattare Very good video Will hope to meet you when I am in Bengaluru Comment from : Srinivas Setty

When you have been going after your passion there is no need to worry about pension and retirement Comment from : KrishnaRao Ragavendran

How to calculate 3 crore?brOut total asset or only liquid cash available? Comment from : latheef

Good one What you have not included is reverse mortgage of property if you are a single or have no children/wife behind Comment from : hemant mamtani

What can we doafter 4 rule???brMeans where to invest and how to grow this money??? Comment from : B Editz

Sir thank you for the podcast Would you be kind enough to provide your insight on how to invest during inflation Comment from : Jithin Mohan

Did you personally ever consider retirement? Comment from : Lalit Hira

Very nice explanation in favour the topicThank you Comment from : Jio Alternate Phone

Superb, realistic & approachable explanation Comment from : Anil Baliga

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