Complete Investments Explained | Best Investment strategy in 2025

0:02 If you are between the ages of 20 and 35, you should invest in these. If you are between the ages of 35 and 50, you should invest in these . If you are over 50 years old, you should not take unnecessary risks, whether it be stocks or mutual funds. You can show me what you should invest in. Why not just blur out the names here? Do you want to know the details about them? Do you want to know how to invest live? Do you want to know the risks involved in them? Should I tell you all this? By now, you must have been watching hours and hours of videos on how to invest. If you haven't started yet, if you've started and are wondering if I'm doing it properly or if I should have consulted a financial expert, then this video is for you. It's not about calculating how much money you'll make each month, how much money you'll make each month, but about comparing each one and figuring out where to put your money to get

0:48 more returns in less time, how much return you'll get, what are the risks in those products, what age group should invest in them, and what age group shouldn't invest in them. Proper financial planning is what you'll do if you go to an expert. Today, financial planning is going to happen. Starting from fixed deposits to government schemes, government bonds, stocks, mutual funds, there are bold categories like small cap, mid cap, large cap, multi cap and multi asset balanced advantage. What are all these in mutual funds and how much return can we see in them? In today's video, I am going to provide you with complete details on which one to select for people of any age. And while we're also talking about how to invest in gold and silver, if

1:34 we invest 5,000 a month, how long will it take to earn one crore rupees? Finally, we need to talk about an important person . Those who want to make more money but don't want to take too much risk . So, in today's video, I will also discuss an important strategy for those who want to get higher returns by taking a little less risk and not the returns that come from fixed deposits or government bonds. This is a master class for those who have not started investing yet. And they start buying whatever comes along and making investments without proper planning. This is a very useful video for you. If you think the efforts put into the video are worthwhile, be sure to like it and if you don't like the content, share it with your friends.

2:20 Our wish is that everyone who has not invested should start their investment with this video. How should you invest, not just say "this is it" and walk away? I will conclude this video by clearly explaining how you should invest, from government schemes to mutual funds. And before starting the video, say, "Why are you investing in this? If you haven't already, say, " No, I haven't started yet ." If you are doing it, what are you investing in? If you have mentioned it to me in the comments section, I think there will be some major changes in the things you are already investing in in the coming days. I will tell you if there are any changes in terms of interest rates, risks, returns, rules, etc. And if you know what our people are investing in, it will be helpful for me to focus mainly on them and provide you with valuable information . Erase all the data that has been stored in your brain so far.

3:07 Erase everything you have believed so far, whether it's right or wrong. Let's have a clean slate. Let's clean it and start over. First, I want to write to you on that board. She wants to write on that slate. Risk return. It has been very clear to you until now that the more risk you take, the greater the return. For example, if you take a risk of 15%, the 100,000 you are investing will become 200,000 in the next five years, 4 in 10 years, 8 in 15, 16 in 20 years, and 66 in 30 years. If we take a little less risk and expect a 12% return, we only reduce it by 3% . But in those same 30 years, we will have earned less than half of that, that is, half of 66 lakhs, approximately 30 lakhs . Even if I don't have that much money, I will go into fixed deposits or debt, and go into bonds, and

3:53 you look at the 6.5% to 7% return, in the same 30 years, I will have earned only 6,60,000 . If you look closely at these three cases, the amount invested is the same, the waiting time is the same, but one person received 66 lakhs, another 30 lakhs, and another 6.5 lakhs. Where did the change come from? We need to underline this return. First, if our brain understands where and how much return we will get, if we have clarity, then we will have clarity about what is good and what is bad when we invest. Many people are unclear about return-related matters or are taking the wrong steps . An agent will come and say, "If you invest in this, you will get this much in so many years, this much in so many years." For example, if you invest one lakh right now, in a few years it will be 30,000, in five

4:40 years it will be 3.5 lakh, in 20 years it will be 6 lakh, in 30 years it will be 6,60,000, it will be 6 times, it is said that it will increase by six times. That is correct, but in other things it will increase even more. Where can we get the highest rate of return without risk? I will take a little risk, but I will not take too much. I will take a little. How much more can I increase than this? R I take more risks. The younger I am, the more risk I take. Where should I put the money? Now you understand, I have a small idea. Let's start with returns, starting from the lowest and moving up. So, depending on your age, I will stop at one point and explain all these products and take you through what you should invest in, no matter what your age is. But before we start these, we are building a house now. We build a house for what, not for two, three years, five years, or 10 years, but for 20, 30 years. Similarly, watch this video only if you think the investment we have made now will last at least 10 years

5:26 . If you want to invest for less than 10 years, close this video now and invest in this fixed deposit or government schemes. No need to listen to more. No need to spend a lot of time . Let's invest for a short time duration, but when making investments for such a long time duration, the important thing you need to remember is how a basement should be to build a good house. A good investment is one that we should continue to go on and not disturb our entire journey. We should have an emergency fund, a health insurance, a term insurance. An emergency fund is a shield that we have set up so that when we face any dangerous situations, we do not have to reach out to anyone, do not ask for a loan from anyone, and do not have to bow down to anyone. Our family does not have to face any difficulties. There is

6:13 no need to make a special investment for it. It will be automatically covered in our investment process . But I 'm telling you now because you need to know. The second is health insurance. The stock market may not grow consistently at 14%, but health inflation does grow at 14%. An operation that costs 5 lakhs today will cost 15 lakhs in a few years, and 40 lakhs in a few more years. At that point, if you decide to take out health insurance, no health insurance company will be willing to give it to you because you are too old . If you already have health insurance through a company, it will not come with you when you switch from one company to another. And that company's insurance has bold litigations. It won't cover most of your family. They give you small covers. So you will have to pay the rest of the bill out of your pocket, that's why everyone should have health insurance. Trust me, I'm saying this as a family member.

7:00 Take health insurance from anywhere, but maintain a personal health insurance cover for your family . No matter how hard you try when you need it, the insurance company won't give it to you. They only give it to you when you have a problem, believing that they won't get sick . But even if we get a serious illness due to an accident, we can recover millions upon millions of bills from them . There are already videos about how to get good health insurance if you pay a small premium every month or year . I will give the description in the comments section. Even if you are not interested in taking it, click on the health insurance link in the description comment section and fill in all your details, problems you are facing, and your habits. Compare first and see how much it will cost, then you will understand. Why am I waiting when a 10 lakh, 20 lakh, 50 lakh health insurance for my entire

7:46 family is such a small amount? A small hospital bill is enough. If you wait 15 years to withdraw all the savings in the bank and invest one lakh rupees, it will be 5 lakhs. This health insurance, even with a small premium, will cover you from the first year close to 10 lakhs, 20 lakhs, 30 lakhs. If the health insurance covers the entire family's hospital bill, we will benefit, but they will not. So think about it. It is because of not taking this one thing that many middle class people are making investments, buying stocks outside, investing in gold, buying real estate, doing everything, and because of not having one insurance, they have to sell everything and hit the road. No family should ever have a situation where they have to sell everything and hit the road . Putting aside whether you should take it or not, first check how much good health insurance will actually cost you. If you

8:33 feel low, take it immediately. Otherwise, definitely plan for health insurance before your next birthday. And third, term insurance, health insurance, provides millions of dollars to pay hospital bills if something happens to us or our family while we are still alive. If something happens to a person who has taken out term insurance, we have term coverage for their family of up to Rs. 2 crore, 3 crore, 5 crore, or 20 crore . It depends on how old that person is and how much salary he or she earns. We can take term insurance based on the annual salary we earn by multiplying it by 25. In the above examples, one lakh rupees would have become 5 lakhs in 15 years, but if something happens to a person in those 15 years, the 500 rupees we pay with a monthly premium will result in one crore rupees for the person and one crore rupees for the family, all

9:19 in the bank, without any tax. We can't go back and take out term insurance when an accident happens. And if we first take out term insurance and health insurance, our family will have protection whether we do things later, whether they work or not . So without neglecting health insurance and even term insurance, I am also providing its link . Click and fill in your details, and you will see the best term insurance for your family . And from their side, an expert will call you regarding health insurance and term insurance . Find out the full details as they relate . Tell me your details and I will tell you which policy is best for me. After knowing all the details, you can decide what to take, how to take it, and when to take it. But remember that you should take health term insurance before making any investments. Now let's talk about investment.

10:07 Let's start with the first fixed deposit. From there, slowly and slowly, I will explain to you with examples which products, government schemes, investment opportunities are there that will give us increasing returns. First, the fixed deposits have very low risk and returns of 6 to 7%. Look here. I am putting the fixed deposit rates offered by the top banks in India in front of your screen. Here you will also find out which banks are offering high interest rates for what period of time. So almost 7% are present. If the RBI keeps cutting interest rates, that too will decrease. So in almost all the coming times, the interest rate here will only work for you closer to 7% or 6.5% . If anyone wants to do this, I need money within five years and I don't want to invest anywhere else, this is one of the options. It's not the only option. There are some mutual funds among mutual funds as well . We

10:52 can also make investments in that. But this is one of the options. Next will be government bonds. There are two of them. T- bills are Government Securities, T-bills are Treasury Bills, and G-SECs are bonds of the central government. Even state governments issue bonds. You can buy these from time to time, from time to time, when they issue them. How do we know when they are being issued? We have the opportunity to buy them on various broking platforms . If you go to the Jaroda website, you will see an issue displayed here that will be raised whenever you want. And when that happens, you can go and buy those bonds . Here too, we are working out a return of approximately 7 to 8% . The government is a guarantee. Be a little careful with state governments. When they have any difficulties, there is a possibility that you will face some trouble related to those bonds. But so far, there has been

11:38 mostly no problem related to the central government. Government Schemes: You can go to the post office, RA, public sector bank, or private sector bank and invest in government schemes. If you want to do this, assume that you are close to 60 years of age. You should definitely invest in the Senior Citizen Savings Scheme. It has an interest rate of 8.2% and also has tax benefits under Section 80C and Section 80C. It is a beautiful scheme where the interest on it is deposited in your bank account every three months. It is definitely a must- invest scheme for the elderly. If you know any elderly people, put money in their names. I am also giving all the details of this scheme here. Similarly, if you have a girl child, Sukanya Samriddhi Yojana is also a beautiful scheme that is working out at an interest rate of 8.2%. There is zero

12:27 risk in both of these. I have been saying this in an order. Fixed deposits are gone, government bonds are gone, there we have almost a 7 to 8% working out. After interest, the Senior Citizen Savings Scheme Sukanya Samriddhi Yojana has worked out at 8.2% and 2%. Now, if you have a son or want to invest for your retirement, EPF (Employees Provident Fund) presents an interest rate of around 8.25%. And can we say the same thing about Sukanya Samriddhi Yojana or Senior Citizen Savings Scheme? Only employees can invest in it. There is a limit to this, EPF plus VPF combined. We cannot invest more than this every year. And since this is only for employees, parents with female children should apply for the Sukanya Samriddhi Yojana first. If you have elderly people, start the Senior Citizen Savings Scheme first.

13:12 In addition to these, if you contribute the maximum amount you can to EPF, you will also get tax benefits. Do n't care so much. Don't think about asking your HR about EPF, its extension to VPF, Voluntary Provident Fund. Close your eyes and pay attention. Because EPF has a TPL benefit. TPL stands for Exempt Exempt. You don't have to pay any tax on the money you invest, the return you receive, the interest you receive in the loss, and the total amount you receive . PPF comes in the next category. Public Provident Fund, in which we get 7.1% 1% interest but in this we also get the tax benefit, so depending on which income tax bracket you are in, we will have to see an overall net return of 8% 9%, so this is also a beautiful product, with this you will get the majority of good schemes

13:59 . Apart from these, there are some other schemes. Look at the ones I am putting on the screen in the post office. They are called National Savings Certificate, Kisan Vikas Patra, Mahila Samman Savings Certificate. That's all. You will see some additional schemes like this . But truly, you can stop there. The best things are those that you can add to them and get an additional advantage. As far as I'm concerned, let's limit ourselves there. The more you know about the box, the less knowledge you have here. Whatever is known correctly is knowledge. If you want a monthly income, there is a scheme called the Post Office Monthly Income Scheme. The interest will work out to be close to 7.4%. If you deposit up to a maximum of Rs. 15 lakh, it will be deposited into your bank account every month . Only the interest will be returned to you after five years of the tenure. You can wear it again if you want. With this, NF is a safe

14:44 investment for us. Now let's increase the risk a little. Let's add different categories to stocks, mutual funds, and mutual funds. After talking about these, I will divide the portfolio according to your age. Let's talk about what percentage of weight you should put in your portfolio . Before we talk about these things, if the data we've been talking about so far seems somewhat valuable, it's because we haven't talked about it all. We talked about whatever we wanted. We have limited information which is very important for making decisions. There are also a number of mutual funds that are being discussed now . I won't say that I'll just talk about everything and let you know what I like. I will tell you which ones are good. I will tell you what is correct depending on your age. If you find our efforts to tailor the information to your needs and preferences valuable, please like the video and share it with your friends, as you think it will be useful for them too. Be sure to share this video with our friends to

15:30 encourage their efforts. Now let's try to increase the risk a little . So far, we have learned about FDs, bonds , and government schemes . Now that we know about stock mutual funds, I will put stocks under the highest risk category . If you look at the risk meter, you can see that the highest level is red, and you can put stocks there. When we get to the middle, we can invest in mutual funds . Let's look at stocks first, where the yellow and red mix. How much a person can grow in stocks depends completely on the person's psychology knowledge, not psychology. Because when the stock posts good results, he goes there and buys when it goes up. When the stock gets bad results, no one cares,

16:16 he does his own analysis of what the results will be in the next two or three quarters and puts it aside while the rest of the market is putting it aside. He is cleverly buying at a low price. The stock, which is growing, has a chance to double or triple its value. Because there is an opportunity in the market, he is able to think intelligently and buy. This is not a job for beginners. Beginners should not invest in stocks. The risk is high. There is also a possibility of being trapped in the name of investing in the stock market by putting all your money in a single stock . So if you are a beginner, put stocks aside . Don't kill us. Let's move on to mutual funds . This video shows how to select mutual funds. This video explains what ETFs are and how to find good ETFs. A video description comparing hundreds of mutual funds to find out which are the best mutual funds for 2025 is in the comments section. The only thing I ask of you is, don't neglect it. It's as important as keeping your family well today as it is to avoid trouble in the future.

17:03 Compounding power is just as important. I'll tell you next about what we're neglecting. If we want to beat inflation tax, it won't be possible with fixed deposits. Government bonds also beat roughly the same. We definitely need to get into the stock market . There are three categories that you will find broadly known. Small cap, mid cap, large cap. Large cap has created wealth for us in the long term with a 13-14% return, mid caps a 15-16% return, and small caps a 17-18% return CAGR . Now, when I say this, everyone will invest in that small cap, won't they get a 17-18% return? That means their volatility is very high. In small caps, mid caps, and certain conditions, you should see a return of 30-40% of the money you invest . If you think you can handle it, leave small caps and mid caps aside and stick with large caps only. Large cap also means complete equity.

17:49 There are certain categories in mutual funds. Those categories are called hybrid funds. They are called balanced advantage funds. The way it works is that the money goes into equity as well. It goes into bonds. That means it will go into debt. It goes into equity, it goes into debt. The fund manager also makes a decision on whether to invest in equity or more in debt, based on a certain time period . Such decision- making is called Balanced Advantage Funds. Apart from that, we will invest 65% of our money in fixed equity . Hybrid mutual funds are those that invest 35% of their money in bonds . The reason why balanced advantage funds work better is that when the market goes into expansive valuations, the fund manager takes money out of equities and puts it into bonds . When the market falls, he takes money out of those bonds and puts it into equities. It may seem simple, but even after withdrawing money like that, if the market rises, there won't be big returns. So a balanced advantage fund

18:36 is one where the fund manager is completely driven by efficiency. If he had planned properly, the fund wouldn't have suffered much if the market had fallen. Because he would have already taken out more money and put it in bonds, so if you can study the fund manager and feel good about it, then a balanced advantage fund will protect the wealth of investors well . Many funds have protected it . No, I want low risk, not small cap, mid cap, or large cap like equity funds. If I want to have a return like equity and have a little less risk, then hybrid funds are also of two types: aggressive and conservative. If you want more risk, if you want aggressive returns, if you want low risk, but also somewhat low returns, you should go for conservative hybrid funds. And as I said in mutual funds, apart from fixed deposits, you also have another alternative to invest money in the short term. So,

19:21 in mutual funds, we have liquid funds called ultra short duration, short duration, medium and long duration mutual funds. Debt mutual funds are my suggestion, if you are investing for a short time period, look at mutual funds with ultra-short durations and look at liquid funds. And these are mutual funds that you can trade in shares, which we call ETFs. Exchange-traded funds are mutual funds that are broken down into pieces and traded in our stock market demat account. These are called ETFs. Think of them as mutual funds too. You can buy mutual funds or not . All the ETFs listed here are there. If you want to invest in the Nifty 50, you can either invest in the Nifty 50 Mutual Fund or in the RT ETF. There are mutual funds and ETFs in terms of mid-cap and small-cap . Right, what is the return on these ? This is a table comparing all the mutual funds mentioned so far . You can expect 15 to 20% returns from small-cap equity funds

20:09 . Risk Category High Examples SBI Small Cap Axis Small Cap DSP Small Cap Fund Who is it suitable for Aggressive investors Those who want to take high risk What is the suitable taxation What is the minimum time period for investment Similarly Mid Cap Large Cap Multi Cap Multi Asset Multi Cap Multi Asset Small Cap Mid Cap Large Cap Suppose you are investing money in each of these and maintaining the three as a portion like 60% Large Cap 20% Mid Cap 20% Small Cap If you are doing this in the three, it is called Multi Cap Funds. And this is where you have a slightly different flexi cap. They also invest in stocks from different categories, like different countries. Is there a Parag Parik Fluckey Cap Fund? In this video, I have explained what are the best mutual funds of 2025. I have

20:57 explained about large cap, mid cap, small cap, flexi cap, gold, etc. In this video, we talked about all of these. All of these are multi-asset funds. They invest in equity, gold, bonds, depending on the situation. They also invest in multi-assets . I also gave them examples, taxation, and the minimum number of years for which those who can afford to invest should invest . Then, if you want to invest in debt bonds, you will also have to choose which funds to select, such as liquid funds, ultra-short duration, and short duration examples, their taxation, and the minimum number of days to how many years you want to invest. So these are the three categories for those who want to make low-risk investments . First, we talked about the high risk. Then we talked about things that were much less risky. Now, there will be a hybrid category of equity as a medium and debt as well. There is also an aggressive hybrid and a conservative hybrid. In an aggressive hybrid, around 65 to

21:43 80% of the money goes into equity and the rest is in debt. In a conservative hybrid, only around 25% goes into equity, with the rest remaining in debt. Why is it clearly mentioned here that you should invest in them for a minimum period of time, as many people get trapped by getting involved in the wrong product without knowing the time period? Liquid funds can be invested whenever you need money, from one day to one year . The product is decided based on where and for how long you want to invest your money, such as ultra-short duration if you want to invest for six months to two years, and short duration if you want to invest for one to three years. I will also give you a download of this entire mutual fund comparison table in the description comment section. You can check it out. There are hundreds of types of mutual funds . I stopped here. This is enough for you. In this amount, you can see where we put in the efforts, that is, not in dumping all the data on you, but to

22:29 what extent our people should know. There is no need to know more. I'm stopping you from taking care of these things. You see, it adds value to you. It will help you know where to focus your time and resources . Now let's talk about portfolio building. But before talking about all the investments, we should talk about the main investment. If we are talking about students, try to spend on their careers while they are at an early age . If you have joined the job, focus on your skills and try to spend on improving them and see if you can get a better job. Try to spend on things that can improve what's going on in your business. Don't rush into investing in the market . If you can invest today, you might be able to make 2000, but if you increase your skills, improve your education, and improve your business,

23:15 you can invest 5000, 10,000, or even 20,000 with the income you earn. So the right investment will always be upon us . When we say, "I'm saturated, I can't increase my income," then we create wealth through investment . First, if you are between 20 and 35 years old, it means you are in a position where you cannot take too much risk. If you think I don't take risks because I am young, wait, there is another category. But I take less risks because I'm between 20 and 35 years old. I want to create a little more wealth for my children . I can understand the volatility. I understand. If you are certain that there will be volatility in the equity market, then put 40% of the money in a flexible cap . 20% large cap 20% small cap 40% Since we invest in a flexicap fund, it acts as a growth engine for our entire portfolio

24:01 . 20% of small caps work to harness our future growth potential for higher returns. 20% large cap gives some stability to our portfolio. Beautiful combination, no need to touch the mid-cap . No, if you want to touch mid-cap, remove small-cap. But you should definitely be investing money in either PPF or EPF. If you have a Sukanya Samriddhi Yojana or Senior Citizen Savings Scheme, you should invest for your parents or your daughter . These are enough to take care of your next child's education, your dream of owning your own home, your retirement, and all the necessary things at home . People between the ages of 20 and 35 should do these. I provide a description of each mutual fund I mention, along with examples, in the comments section. Right, before we move on to another category, you should ask me, 40% flexi cap, 20% small cap, 20% large cap, and the remaining 20%,

24:48 gold or silver? Should I buy gold or silver? I made a video recently in which I clearly explained which one to buy . Which one will you buy, gold or silver? Buy what you like but add 20% and keep it. Right next, if your age is between 30 and 45 years, invest 30% in large cap, 30% in flexi cap, 10% in balanced advantage, 10% in gold, and invest the maximum in government schemes like PPF and EPF. As I mentioned in the beginning, invest in government bonds. Because stability is a little more important than volatility as we age, there is a much greater scope for you to need money in the next 10 to 15 years . Don't take too much risk. If you are between 35 and 50 years old, invest 30% in large cap, 30% in flexi cap, 10% in gold balanced advantage fund, 20% in other funds, and the

25:35 remaining 10% in government schemes or bonds . If you are above 50 years of age, you don't need to go beyond 30% in large cap and 20% in equity in a balanced advantage fund. Keep everything else in debt, whether it's government bonds, government schemes, ultra-short duration, short duration, mutual funds, etc. There is no need to take more than 50% risk in equity, keep it balanced. Keep it in the large cap. That's what you need to do if you want to create any wealth in the next 10 to 20 years . Everything else is government-side, government schemes, government bonds, PPF, and if you don't want to, fixed deposits. If you are a senior citizen, if you are very old, the interest rates are close to 9%, which is good for senior citizens, so let's keep it there safely . Because there is a lot of money needed here. We should not

26:20 take too much risk. If I think I'll buy small caps or direct stocks, what's the point? Suppose the market is volatile for three years. What impact will it have on our health if we suffer during that period ? What we need at that time is peace, safety, peace of mind, not stress. For many people, a crore rupees is a dream, right? If we invest 5000 rupees every month, let's see how long it will take to earn one crore rupees from all the things we have talked about. Fixed deposits, debt funds, government bonds or schemes, when we look at the stock market with debt, when we look at the stock market with gold, large caps, mid caps, small caps, if we put an expected return for each of them, how long will it take for us to earn our first chicken? Here you will see how long it will take for us to earn our first chicken . If we invest Rs 55,000 in debt funds in FDs, it will

27:06 take 38 years to reach Rs 1 crore. It would be difficult if we literally just kept investing ₹5,000 a month in SIPs to see a crore rupees in FDs in our lifetime, but it would come a little faster in government bonds and schemes that are supposed to be 100% safe. But if we want to get there early, we have to touch the stock market. Real estate exists, but it is not accessible to many people now. So I won't talk about it. And this is me talking about ₹000 per month. Not practically possible in real estate. We may be a bit disappointed here. If ₹5,000 invested in small caps for 20 years and months grows at 17%, you won't have a lifetime of ₹5,000, but your salary will keep increasing. If you increase your investment by 10% and invest in the market, how long will it take to reach one crore this time? You can see this here.

27:58 Here I have also given you how much time was saved if you compare it with the last time, that is, if you leave the 5000 as it is and compare it with what you invested. In FD, it was saved for 13 years . Here you can also see how much time period was saved in each step . But this is not the beauty of compounding. Let me tell you, beauty is simple. If we look at the return of 17% by investing 5000 rupees per month in small-cap stocks to get 1 crore, it took us 17 years and two months to get the first crore, but the second crore will come in just three years. The first crore will come in 17 years and two months, while the second crore will come in 20 years and nine months. The next one is even less, about two years later, less than two years later, about a year later, nearly a year later, and in less than a year, each crore after each crore will be added to us. Any family that enters this cycle will

28:46 go to a family that earns one crore rupees per year. How much did you invest? You started with 5000. But if we keep increasing it by 10% year after year, this is what we get. Okay, I won't increase it year by year. It took me 38 years to get my first crore. If I stay in the same fixed deposit, it will take me another 10 years to get the second crore, not 38 years this time. Then the next one crore will come in six years. Then four crores, then three crores, then less than three crores, then two crores, then in three years, compounding power will work in fixed deposits as well . The stock market is still beautiful, it takes four years for the second crore, two years for the third crore, less than two for the fourth crore, less than one year for the fifth crore, and even less than that, in a short period of time, if you look at a single period of time, you will have added close to two crores in a single year . I would even say this to someone who doesn't make any change, calculating ₹5000 per month

29:32 . I am also telling you that this year will not increase. The first crore is very difficult. I told you the same thing here. The first crore is very difficult. If a family can earn one crore rupees, the family will automatically invest that entire amount without touching it. If they continue to invest it, it will keep growing and growing without investing money through SWP . We shouldn't touch it again and ruin the money by putting it in these things . This should not be destroyed by that. If left to compounding, it will take care of everything for the next generations . And our situation is not that we earn for the next generations. What we are putting here is that when our salary increases by 5000, we can also invest it for ourselves. And who said that we should give this money to the next generations? In a particular time period, 25 years, 26 years,

30:18 take whatever you want if you need it. But creating wealth is very important. If we start the process of creating wealth responsibly, one day we will not need to reach out to anyone, not us, but our entire family will be able to stand tall and live in society. We will be able to put our hands on our hearts and live with the courage that no matter what problem comes to us, we will go to me . In total, I am giving a comparative table related to everything I have said so far, what are the risks, how much return, how is the liquidity, are there tax benefits, is there a lock-in, are there any restrictions, for whom is this good? I am giving you a whole table to download in the description comment section. Check it and before finally closing, those who want stability with the same returns in the stock market, the strategy that has worked so far is the 50% strategy, 50%

31:05 in the stock market Nifty, but another 50% gold simple strategy, 50% strategy. This has also given beautiful returns to many people. You can also see the chart here. How much return did it work out if you invested only in Nifty, how much if you invested only in Gold, and how much if you invested 50% in Nifty and 50% in Gold? This is also a difference strategy. Think about it for a moment . Anyone who is highly interested in investing in gold can follow this strategy. So, I don't need to tell you anything, you'll have the idea anyway. I am giving you a link to government bonds. If you click on that link below, you will know when they will release them. Later, if you come here, you will see the dates and times when the government issues these bonds in Jaroda . You can buy it there with money. If you want to invest in stocks, mutual funds, ETFs, and even government bonds, all of these are available on a single

31:52 platform, but I have a disclaimer that Jaroda has not given me a single rupee to say this . Open an account with any broker you like, but this is the number one broker in India. We can invest in everything I mentioned above. Also, transaction charges are lower for discount brokers than for full-time brokers . Account opening is also free. The link to open this account is in the description comment section. Along with that, I am also providing links to other top brokers related to India . You can go to the post office for government schemes, or go to public or private sector banks and ask, and they will sit you down and open it for you. How to invest in mutual funds live, how to do SIP, how to do step-up SIP, all of these have been explained clearly in this video . In this video, I explained how to set up a systematic withdrawal plan without even realizing it. This video

32:39 also shows you how to buy gold ETFs and silver . Now if I talk again, this video will become very slow . If you have any requirements, all the links are below, go to the description comment section and check. Now, what I have said will not make any difference in your life even if you do not invest money, but if you neglect health insurance, believe me, how healthy and fit we want to be, the food we eat is contaminated, the water we drink is contaminated, what is contaminated, I drink RO water, it is the worst, there is actually a lot related to this. They also sell something else called alkaline. They are completely illogical. Talking about this is a different subject. Whatever you think is true in terms of health is a lie. Whatever you see outside, they say these are good, these are good, these are not. In the past, 100-200 years ago, did our people who lived there see it? Is it true? What we pee like this is not clean, should we do this?

33:25 Clean means cook in these or those. We kept changing it and going back to the methods that existed in the ancient times. Okay, leave them alone. There are many things that are not even available to us, things that we cannot control. They impact our health from time to time. Now, to show them in a good hospital, it costs thousands of lakhs. We can't even imagine paying that hospital bill in the future . Get health insurance for your entire family . How to take and compare? The link description is in the comments section . Don't neglect term insurance either . Danger doesn't come. The valuable gift we give to those in our home is term insurance, health insurance. Click on the links in the description comment section and see how much it will cost you. Then you will gain confidence. I have been neglecting so much for such a small thing. You can find out all the details through the expert who calls you and then make the decision you want

34:12 . Don't neglect it. In the case of health insurance and term insurance, you should take a good health and term policy for your family, build an emergency fund first, and then start investing. If you sincerely wish that your entire family is financially well and you are healthy and have a long life, please share this video with them. If you liked the video, please like it and I will come back to you with another interesting video. Until then, take care, Jai Hind.