ep -224 పెట్టుబడి లేకుండా లక్షలు సంపాదించే business idea

0:08 Good morning, many people welcome. Ask Money Per Show Money Poshiki Our Viewers Very good company and personnel in general. If there are finance related questions Sent. Let's discuss them. But when it comes to this week's topic... Fantastic week because it's so good I attended conference calls. A lot of information related to companies I know how you did in the video. Not only questions but also me Anywhere in any conference calls The information shared by the companies is good. Discuss what you feel. I did it. Not only this, but our defense Personnel for those who are in the Forces Connect one-on-one as finance related What about personal finance for them? For all those related doubts I said I would train this week, right? From within, from many people, Some of the emails were received, but Connected. If not, connected It came from many of them. One point of concern is apparent.

0:53 If we talk about it in a related way, then Anyone with that concern point If it stops, they too will have clarity. Saying that it will be done if it is given, I'm making a point. That many people What do you mean, you announced it, right? If you really want to connect We didn't think so. First mail Rayala We thought about it 100 times because As a personal finance letter, They said there would be information, but it was okay. If you send an email saying "Let's try it" We don't even believe what Rasam Butt wrote. You will be connected. Almost connected. But from 60 to 70% of them The comment that came in was this, so then I I asked them why they thought that. Because I said it in the video, right? The point they made was that social Many people in the media say this. Okay Because they have the same positivity. But who really does it?

1:40 So much for getting mail about it. He said he would think about it, so he did. Anyone who has stopped to think There may be many others too. So you didn't stop there, this is money. First Channel, whatever we do on this channel We will only talk about what we can do. Okay fake. Whatever comes to mind, I will speak it, so whoever Even if the confusion stops like that Just write happily, it will take some time. Because from many people Almost 50% of the emails received I have connected to 50% of the people. Actually even people in the week Conference calls are also results season. It works, so it's time to pull all that stuff. It is a little difficult to do. Slowly, slowly, one or two in a week Whoever the Defense Forces are, Allocating to those who are there I'm going. So I will connect everyone.

2:25 If it's not for sure, it's time consuming, but if you are There is no doubt and this is just now. Not only that, but forever is okay. Even those in our Defense Forces Are you working on your personal As a finance relator, there is no clarity. Even if we need assistance from you That's right. And even among those who are connected, this The point should also be shared. Because we So happy with the families here. They mean they can move around freely. Being in such tough locations and talking about ourselves After serving the country so much, we We can move around so freely. Some people there No connectivity. If he were another one, he would be They said that finding water there is very difficult. It will be difficult. So government that fuel Even more than pumped water They are sending fuel because that fuel Only if you generate heat and burn it.

3:11 They have that water availability. And we are now in Operations Indus. We talked about this relatedly, didn't we? Since it is a large scale operation, we All this in the media is such a highlight. It happens, but they are like that every day. Facing situations there If we provide that service, Saluting them and Whoever is the rest of the Defence Forces, Telugu people but a different language Even if they don't have anything personal to say to you. If you have any doubts related to finance Happy you're on the money first team. You can write me an email, I have time personally. Get connected and ask your questions. To answer everything, though I will try. Sir, our first question today is Akhil garu. Sending Hi Sanna, what's yours? Review on Inox India I See You IP Video and Understand That It Is Which is into cryogenic equipment?

3:58 Niche and high entry barrier business hour Numbers are not so good I felt it Has good potential to grow in the future. And the recent correction is a good one. Opportunity to start excelling Please let me know if I'm missing. Anything you observe is correct. The very high in the Andi and Is business There is an entry barrier and in fact Whoever their next competitor will be Their capacity in their capacity If you look, it has a capacity of 16. So even if they are competitors, they Whoever owns the company next is very small. We can talk about a company. And Recently, this company has been related The market is actually very excited. The reason for this is that cakes and These cakes and You can easily relate containers. If you want to do this, what have you done recently? Even if you go to high-end pubs

4:43 There is a lot of beer related stuff there. Put it in steel containers and from there We see it as supplying. Yes These cakes are called cakes. They entered manufacturing. And became the largest in the world Bevery Manufacturing Companies Henkin and Abby in Bev Abby in Bev That means many of you may not remember Butt brands say They will remember. Budweiser Corona Beer Foster's Hayward Knocks Out This Brand This company also sells all kinds of beers. That's it. Now these two companies are these To manufacture kegs Approval given. And also management What are they saying? FI 26 all at once They are 3 lakh to 5 lakh kegs. Manufacture and supply They are saying they are going to do it. And this For the company, our domestic means Indian. Not only from the market Global business is also very good. From And Infact Global Markets

5:29 They have a very good revenue contribution. But it will come. These cakes This is the new way of doing manufacturing. Division but existing business If they talk about There are three segments. One Industrial Gas Solutions for Us Oxygen Nitrogen Gases Store Whatever solutions there are to do, Solutions they provide You will find them in those steel plants. There is an oxygen requirement and Also, oxygen in hospitals There will be a requirement for all of these to be available in the store. Basically minus temperatures to do it. Should it be stored at such a low temperature? Special to store in Equipment is needed, but that special one They make equipment. What they do and their equipment Can be stored at minus 150° temperature And what are the products actually? It should be stored at low temperature. If their equipment is there, use it. It means it will happen. Now Industrial

6:14 What is the gas solution segment? From here, this company has a majority of the Revenue will come. Currently 60% Plus revenue from here Comes. NextLNZ Division In recent times, as ELNJ related, we There is a lot of growth in the Indian market itself. It seems so. Now in the ELN division They supply various products. They do. You can see it here on the screen. Look, I'm showing you. From here Currently, this company has a revenue of 19%. Comes. And going head mana ELNG in the domestic market From the division, the company is very good. Growth is expected. Third Way CSJ Division Cryo Scientific Division Here at ISRO, they are one Of the client in this segment are these Use in satellite and launch facilities Supply of products that They are doing it. 16% from here Revenue will come. This is very high. They also have a margin business. And They have an order book of 1350 crores. There is also. 64% of this is order book

7:00 They have an export order book and The rest is from the domestic market. They got an order book. And These are the IG divisions, whatever they are. If 47% of the order book comes from 36% order book from the Villanage division They say it's coming. And CSJ Another 17% order book from the division Management as it comes They are saying. So in terms of business, it's very high. There are many businesses with entry barriers. You have a good client, here is the screen. You can see it above. We have many large companies. Visible globally and domestically Even in the market, this company's growth 80 crores in FI 26 to catch He is also going to do CAPX. They are saying. Very good return ratios You are ROE and you are Aussie. Very good return ratios are seen. We have a very strong balance sheet. Balance Sheet That Debt Free Balance Sheet It is visible. And growth is also ours. What does the company say if you want to talk? Between 18% and 20% in fi 26 itself

7:47 They are already growing at the same rate. They are happening. They are at a similar rate. Management Guidance to Grow Also giving. So when everything is fine We don't need just one thing, that's our valuation. Annamata Valuation Fully Priced In This is a stock, so what do we call companies like this? Study well and put it on our watch list. You have to invest because the market When sentiment is very negative What happens is that the stock of such companies Prices will also fall. Yes and Infact, it is very good for such companies. There will be growth. And growth's Longevity is very high. If not When the markets turn negative Many people sell with fear. In that case, pick it up and go long. Add to term portfolio This is a company that has been established but is not present. However, my personal view is that valuations However, fully priced and valuations Related to every Indian person There is only one view. Business

8:33 No doubt strong business but in terms of Valuations are the only thing we can control. Next question is Shaun's handle. Hi Sagar, my question is from Not related to stock market Investments It's About Future And the career direction I want to follow. Suggestions from you like a mentor what are the Second Career Options for a Private Banking employee many of them work For 10 15 years with full dedication After the Age of 40, the Organization Starts removing them or they leave Due to mental pressure and work load Don't have experience in any other Field and They Been Loyal to Them Banking Jobs for Years So What What Can Such Employees Do Next and How? Can they plan their future career? Income After Leaving Private The banking sector is huge. Opportunity is a little more careful. Try to listen. This is private. Not just banking employees Many of the other viewers also

9:19 Whatever opportunity is created If I can grab this, I will. I said, "You can grab the opportunity." Blind interview, saying "No" But don't take it. Its related skill It is important to improve sets. Because if other people's lives are on yours, Depends. So, we have other people on our side. Life is different based on the suggestions we give. Think their lives depend on it. We need to be more responsible. So without improving your skill set But no entry, okay now skill set If we can improve, that's okay. Financial Advisor Related in the country Create a huge opportunity It will be. If we see the sea present You already have financial advisors. In terms of Investors and Advisors If you look at the ratio count, it's very low. What we see is financial advisors.

10:05 In fact, whatever number you see, In the financial advisors market We are practical even among those who are Speaking in terms of real quality When it comes to advisors, Even in the present count, 10-15% is real. There are quality advisors. Okay 80% of people They got into some kind of business. They exist but their writing skills There are very few people who have built sets. There are people like this, but all of them are... Now, whoever the Genji investors are, They can't manage those people. Over a period of time, they will face out. Okay But who are the real quality advisors? A very good opportunity for those who are there. But it will be created. Because the sea We now have a new generation of investors. If many people in the world saw that present We call it the Tina effect, which means that

10:52 Among those who invested less than 1 lakh Many people find it difficult to buy real estate. And they are in another FD. They don't do it because there is a big difference in FD itself. So there are no positive returns. The majority of the money is in our mutual fund. Not through SIP route but in direct stocks But it's coming, isn't it? Money coming like this. Small amounts initially, if any. There will be no big problem when The Calis try to make it their own. Advice on capital size in R&A also There are those who go to. Butt Capital Definitely recommend after size increases. The requirement increases because Stock Market Investing Is Not About Picking Up a Right Mutual Funds Are A Right Stock It's About Building Right Psychology So Whose Legs Building their right psychology It's not that easy. And them Jobs will be busy in terms of career.

11:37 Occupied in terms of personal life There will be. So instead of that, a quality Give the advisor their capital and Getting a related review and that Whatever the discussions are, that will be. Lots of value to their portfolio That's it. So that financial advisor Especially Quality Financial As far as advisors are concerned, there is a Huge vacuum and this is the next four This vacuum is even greater in five years. It is being built because investors Very aggressive in terms of number off Investors New Investors Ad It will be over, but in terms of advisors, it's not that much. It won't grow fast. So quality Those who are advisors, What a superb opportunity it is. There is no real doubt but you have to be ethical. Loyal and Should Always Give to Clients First priority, so if you can do it,

12:22 A loyal client base is sticky. There is a client base. This is personal to me. It is known that in the financial sector Many people have been here for so many years. Financial advice is new. Those who came are in a negative word. You see why social media is all about it? To show a relatively large object Trying. No Actually Advisors How important a role do you play? How important are quality advisors in particular? Role play clients The network of people in the portfolio I know Creation personally. Okay If not, that's what I'm saying, right? The quality of advice is low. So in the banking sector It's very easy for them because you have worked. All through your career in Your skill is in the financial sector. Try adding a set. Either ACF or any other To do certification Try. And also the skill set

13:07 When will you add it? Out of banking job If it comes to this, this is another career. If the option is a huge opportunity The banking sector is okay and so is the banking sector. Not only those in the Even though I'm working in... you mean... Financial markets related Having a skill set to learn and that Work with interest and ethically. If you can, you too. You can definitely think about it. It's a huge Opportunity for Show is the next thing you send. Before answering the question, small Reminder guys, share the video. The information will be helpful to you. If you like it, be sure to like the video. Don't forget to do it and you too can do something. If you want to ask us a question, Ask for money in the comments section below. If you write your questions in person Financial Planning Questions Maybe, maybe stocks are related. Finance as a whole, whatever it is If you have any related questions,

13:53 Ask for comfort. As much as I can, Answer you with the best ability. I will try to do it. Our Next Question R Shinu is asking. Hi Sanna, tell me about the caption. This Caption related regular Come. Especially our Telugu zodiac signs This has a very good fan base. Even if it's a small company, the stock is very Many investors are asking this About the company Same as that company related What positives do I see? I will tell you two things about the concerns. You can make the decision you like depending on Can be taken in terms of those positives If you want to talk, the company's last five If you look at them over the years, they are sales. Delivered very good growth in 26% The growth rate was delivered. And If we look at the profit, the last five We have a CAGR of 11% over the years. They are visible. Looking back in three years We have slightly better growth numbers. They are visible. And so are they.

14:39 If you look at it, it has gone from 6% to 13% now. But they were able to improvise. And What is the working capital cycle? If we have improvement there too, It is visible. And promoter holding too We have a consistent promoter holding. It is visible. Wherever the stock rises Even if we sell to a promoter, Not visible. So in terms of positives for me What is visible is in terms of this stock. Butt If we want to talk in terms of concerns, Recently, their balance sheet was once You see, you have long-term debt. It seems to have grown a lot. Crisil Rating Report about it Whatever is there, it makes sense when you read it. What happens is that the company is basically They do not conduct conference calls. So we don't get the information. Based on the Easy So Rating Report I'm saying that in the rating report they What are you talking about, long-term borrowing? Whatever they increased, it was theirs.

15:25 Office space construction related If Chris, as he did increas Saying. However, you have a long term Substantial increase while borrowing It looks like it and it's short. We also have term borrowings. As if there was a substantial increase It appears and overall is due to Whatever the equity ratio is, it is also 1.9. Times are a bit more comfortable. Even more so than the actual balance sheet. It looks to us as if it has been stretched. S What is their basic business? Isn't this staffing a staffing business? My personal opinion on business I will tell you. Normally Staffing Businesses There is an entry barrier in R. Businesses and very difficult to What is a man who manages businesses? Power management is a complicated thing. Okay, it's not as easy as you think, and so on. The entry barrier is also very low.

16:11 There is a barrier, that's why you can do anything. Staffing company has a margin Look, you have very low margins. Why are there margins in those? That means there is basically competition. It is not enough to increase margins and that's it. Even while maintaining high margins Competition comes and they are in business. There is a risk of getting hit. So simple. Many of you work in IT companies. Are you working in your IT tower? Okay cleaning related staffing Runs a company related to Think okay, tomorrow another company will run. What's the big difference to you? Two people together for quality service I think you can give it to me. The big difference is the price. So let's Say for example a company offers you x The amount charged by the company is It charges less than that. Imagine that and your IT tower run.

16:56 If they have the management done Let's replace them. Think about it, revenues only once. They will fall, so there is a risk. If not, one thing is that these staffing companies Where is the major advantage found? The growth rate is there because we have Now IT towers and all that. Are they growing and even? Apartments are also high rise. Apartments will also grow. So, what are the staffing requirements? But it will increase. So that staffing Requirement Services Requirement Growth in our top line due to growth However, the butt margin is visible. If you expect expansion This is not related to this company. What are all the companies that do this business? This is a related risk because The entry barrier is very low, anyone can Getting in is easy, isn't it? That's easy business in terms of business. It's okay even if it's not an easy business to do.

17:43 Entry is easy to find. So, anyone can start this business? Can do it. Can it run successfully? Whether or not that's a later matter. Now in this business Another problem is low entry. They are clients because there is a barrier. But credit should be given to the now clients. Businesses grow better when given credit. Suppose it becomes working capital. Debt would increase. Now this company is related Also if you look at their top line Their working is how it grows. Capital debt will also grow as well. Even if they have just one account among their clients Also converted into bad debt Think about it on the balance sheet. Significant pressure is created. There is a possibility. Even cash flows Even if you look related, you are still the same. It's understandable if you look at it. These are the last five. Operating profit in years 44 Even if you generate crores, you will lose. On a cumulative basis over five years If we look at it, we have negative 9 crores.

18:30 But it is visible. Majority of the cash All the floss is stuck in receivables. It seems to be running out, but we can see it. And if anyone wants to take a new entry Even at the bottom of the top line, they are good. Even Pear Delivering Growth Even if you look at the comparison So cheap in terms of valuations too If not, then you have a company. Related Positives I See and Also, I said two consonants, this is This business as a whole, not just a company I also have a lot of sympathy for the related However, there are staffing-related businesses. So I said risks and concerns in terms of So you can make your decision based on this. Can be taken. Our next question is Manikanta. Sir, I am asking for a home loan. Of 60 Locks from LIC Even with the Recent RBI Repo Rate Change LIC Has I don't want to lower the interest rates. Thinking to transfer it to someone else When the bank checked with LIC What they are saying is that you are a loan shark. If transferred, it is a new loan.

19:16 The following will be considered. Because of that you You will lose. Because the initial years The interest amount is higher in So you have more to lose. They are saying that What you pay in the form of interest. Ken Please provide some suggestions on This is sure and actual recent to me. Personal experience also in time There is. My loan was with PS Bank. And their service is very bad. I am already a private banker. If it is transferred to what is there I'm doing it. In this process I am infact charged because it is there. I can also speak related. You are 60. You said you took a loan of lakhs, right? So far, quite a bit of principal has been built. So I'm here for 55 lakhs. I am making outstanding input. You can input the amount you want here. Can be done. The rest of the viewers too If you have a home loan, Decision to transfer Taking all this into consideration,

20:02 If you do, you should transfer it. Whether it is or not will come if there is clarity. Next, if you are 20 years old, 10 If you take a year, you will have 24 months. Assuming you have already paid the EMIs, another That leaves 216 months, right? Here the interest rate is 9%. Let's say we input 9%. In that Case Me EAI There will be 51,504. Now Charges Loan I personally need my money to transfer. The banker charges whatever is available. That's what I'm inputting here. S 10,000 processing fee charge He is doing it. These are different in each bank. They are happening. We found this out first. You are also provided with this excel sheet. I will. If these numbers in it Please input if you have full clarity. It's coming. And also an additional one He is charging ₹5000. When it comes to the matter of audit charges 0.1% 1% to 0.5% charged

20:50 My banker is up to a maximum of Rs. 50,000. It means he is charging. Now 50,000 I think the charges are coming. I have inputted 50,000 here. And this We also add GST to the charges. Add one of those. Now I Whatever New Bank has, I get 8.4% Making an offer. Now 8.4% offer for 4% If so, how much is my overturning? 55 lakhs, so how much are these charges? It will take me 65,000 charges. So I have 55,65,000. It will be. Based on that, my EMI is 50,000. It takes. Then I am now 8.4% What is this new bank based on interest? Will they offer me a home loan? I will repay in full. It would cost 8,10,000 rupees to do it. Okay Where is my present existing? Whatever bank there is, they have 1 crore 1124000. Rs. are being charged. Now I am this.

21:36 Even after paying the charges, my overall If I have 314,000 rupees in Tenyu, It's all that's left. So then this Calculation like this you get the same numbers If you can input, you have a Clarity will come. Really for you Will you get additional benefits? If not, you If you are losing money, this benefit Whatever the amount is, it's in the negative. Imagine that loan transfer. It's best not to do it if it's positive. Think of it as a happy loan. Transfer and margin is big. Or maybe a 20,000 rupee Suppose there is a loan in that case too. It's best not to transfer because this Even the whole process complication So we have to go through this again. Even in such a time, an existing home Whoever the loan provider is, It would be better to continue closer. It will be

22:24 As for my Sunday Funday suggestion... Very interesting in Jio Hostel I'm going to suggest a movie. This is a Malayalam movie called Tudaruma. Many people have heard of Mohanlal. Maybe not, but it's a really good movie. I saw it in the theater and it was good. It seems that now it's into OTT It's coming to streaming so much People haven't seen it. So just check this movie. And not only that, but we also got a hit three. If the code is not released, the children Watch it, it's very brutal. And Another suggestion is to use the current market. Stock in whatever condition it is. Market Investors Direct Stocks When investing in each market Change our strategy based on the conditions. It is very important to do it. That's it. Only then will we have our capital. Not only to protect We can also create wealth. Now Whatever the current market conditions are Based on this, my portfolio What are the related changes I made?

23:10 What stocks were added? Tell me, I'll release that video. I did it. See if anyone missed it. Very important video specially For investors who came after Covid But definitely a must watch. I've already seen this video and that too. There will be viewers, right? I'm a sport. To take and connect it I tried, but it's a difficult topic. So for easy understanding, Whatever you say, you have made that effort. How did it feel? It feels good. Also comment your feedback below. Share in the section So that's for me Try something like this next time. It is very encouraging to do so. It seems. Our next question Sandeep is asking. Hi bro What's your view on Shilchar? Technologies Transformers Making The company's results are fundamentally good. The stock is also good. And what about Management is not a joke. Anyone related to Transformers If you are also an investor, you should The matter should be known. C Basic You are the majority

23:56 What are the transformer stocks? Which of the stocks is having a good rally? The major reason for this is demand, as we see it. And supply related to any miss match Because of what we have, you are our servant. If you do, see the margin. Most of the Transformer companies have a margin It seems to have improved significantly for us. It seems like the reason is... Demand has increased but supply has not. That's why they have margins. They are able to increase overall growth. We see that most of the All transformer stocks too Only growth in financial numbers Apart from that, even shareholders are also very There was good growth. And this Demand-supply mismatch, if any This is another three-year continuum. However, many experts They are saying. We need to close this gap. As long as these transformer companies exist If it's good for you, it's good for us. It seems to be visible. And even In terms of the transformer industry, we Globally, 23% of the world's population is in poverty.

24:43 27 If you say that it grows in dreams, then research Reports say. And Indian When it comes to the market, 16% CAJ The transformer industry will grow. And also for the export market. When I arrived here, the CJ was over 40%. Growth is not seen, but expectations are. There are. And most of the From the US to transformer companies Orders are mostly from the Middle East. Coming. Because we have that there. Good through the replacement market Growth will come. Someday They did capex. Now fresh. They are all being replaced too. The replacement market is actually Very good as a Transformers related It brings growth and so on. The renewable energy side is also moving. Are you saying that is also happening? Lot of growth. So majorly Transformer industry related Whatever rally we see, that rally The reason is this and this growth will continue for a few more years.

25:28 But if it's not a Continue Oscar, But remember, stocks are very The rally is over. We are power related. This is the video we talked about. How much Shilchar was worth to us is in three digits. That stock was in Shilchar then. Not most of the power related Companies Especially Transformer All related companies are also very Everything that was in Valuation came from there. 7x 8x 10x have grown so at this price Normally fresh when entering A little margin for those who took the entry Off safety is less. And this Not just an industry, but this industry. Also remember that a rule of thumb is Industry Peak of the Margins Run If we take an entry when it is happening There is always a high risk. And at the bottom of the margins we Expand margins if entered Then we have a stock price in terms of An investor will make money but

26:14 When the margins peak, we When will the reverse start? We don't know when it started. For us Before you know it, all the stocks are correct. It will be over. Why is that correct? We don't even know if it's happening. So that's it. Many people are stuck. The risk is Unless you have all this, the total demand All of these are related to the environment. Transform Industry Related to You Very good grip and information. Think you know this even now. You can play it, but it's not that common. Retail investors, whoever they may be, peak Entering any industry at margins Even then, it would be risky. Our Next question Bhimesh garu Asking Hi Sagar I want to buy Preferential Shares Yes It Gives More dividends than ordinary shares Are the Draw Box and Advantages of Are preferential shares available? How to Buy for Retail Shareholders Hey, hey, and first of all, you. What needs to be understood is practical.

27:01 For ordinary shares in our terms The difference between preferential shares and you Need to understand. Normally those ordinary shares When it comes to the subject, we exchanges We are the companies that are listed. They buy through the stock exchange. We'll do it, won't we? We all participate. We will do it. Where is the company a shareholder? When will preferential shares be issued? Whenever a large sum is made to the company, Is there a capital requirement and that Shareholder that large sum of amount Does the company feel it can deliver? That's when they got those preferential shares. These are the discounted prices and also They offer additional dividends. There are various conditions. Etch Preferential issue is unique. Get up. So first thing we do is a large sum of You should be able to invest the amount, if that's all. In some cases we mean a very large sum. Even if you can't invest crores of crores

27:46 Let's also assume we have a network. Network is also very important. Suppose there is a network, then we Also in preferential issues Anything that says we can participate Through the company's preferential issue To register capital Think it's trying in our network. I think I have participated. Couple of preferential issues As previously stated, it is only through the network. I got it, I'm very huge. Even if I don't invest capital, I The opportunity came and that's what they said. So this You can do this through two possibilities. Participate in preferential issue Can do. Otherwise Dividend Edition We said, "Is it coming?" and then we said, "One or two." Shares through preferential issue It wouldn't have been possible if I had wanted to participate. Because why should companies also give? Whatever their requirement is, The requirement will be fulfilled. That's when they also bought that stock. To offer a discount on price But otherwise, additional dividend But they are not interested in giving.

28:32 They will show. Our next question Financial Planning Related Question Viewer shares his financial details Name confidential because it was done We are editing it because we were told to keep it. I am 32 years old and my wife is 27 Years Old We Have 2.3 Years Old Baby Boy and My Parents Also Stay With Me in Hyderabad Our Monthly Income This is 2.4 4 lakhs per month below our Insurance coverage is family related. Whatever the terms are, they are all Wrote and your insurance coverage if Absolutely correct and perfect. The set is set until there and coming. When it comes to expenses It seems like ₹6,000 is being spent monthly. Wrote. And also 50,000 for home loan EMI will go self-occupied Property outstanding still ₹44 lakhs It was written as if there was a loan. And my risk The update is high. So I am a loan. I don't want to repay. And so on

29:17 Let's invest in the form of SIP. He said he would step up. That's a good decision, actually. Don't worry about market volatility and Also, it is loan related for me. Do you think there is no such thing as psychological pain? You will definitely gain because 8% Interest Rate Loan Clear Always invest more than you make and get 12% Generating a return is logical. The decision will be made. On the subject of coming into debt Relatively ₹10 lakh rupees on arrival 9% interest rate taken There is. I am paying 47,500 semi-annually. And I am considering this debt. Continue I have no hurry in closing it Because there is a mutual benefit to When it comes to IT and SIPs 52,000 per month SIP is being done. Fund names were mentioned and so on. His stock market investment When it comes down to it, what's in his name is his.

30:03 It's in the wife's name and so on. Investments in the name of parents Details are written as related. Real 25 locks when it comes to estate matters The house worth 4000 is located in Vijayawada. They wrote that the rent was coming in, physically. Gold 500 g is there and we are left With 40,000 per month post deducting All Investment Insurance and Other Expenses present this ₹40,000. To buy gold ornaments or not Other unexpected expenses If they come, use them for I am doing it. No to my questions. The first question when it arrives is, "Is it good?" Idea to start investing 10,000 Per month in childcare plan likefc Children's Fund RSBI Children's Fund And is it correct to do it in Step Up? And these funds are okay, but my personal What are the funds named like this?

30:50 We also invest in other funds. Advantages of C Basically Funds What if someone loses their investment? Can't hold. Okay, many people. Investors are in name only, but they are actually 10 years for five years 15 years We are doing SIP for years to invest. They think they are investing. But after that the market The decisions they made due to volatility What are we even missing so far? Six months you can use SIP data If you look at it, it's even better than SIP inflows. SIP Discontinuity is high Growing. Its related couple of I also made a video a few weeks back. SIP Discontinuation Increases So there are many people like that. So what are these children's funds? These have a lock, so even so This is because they think they will not touch them. Funds were created by Anayathe. Whose? But I can hold the market.

31:36 Go ahead, I have an idea, that and that. I stopped SIPs due to market volatility. They think they will continue. They say that this is the Children's Fund. What are the names of retirement funds? Should I invest in such funds? No need. We have other funds. If we put it, we will have more impact than these. Even better returns in many funds Delivery is ongoing. And that's all. No, if the fund underperformed. We can take the call. If exit Exit call even if you want to take a call But we can take it. So this is my personal I actually have friends and If anyone in the family also Children's Education Planning Related Even if I plan to, I don't suggest them. These are funds. Instead of these, another I will suggest funds to them. Pick and invest in funds Tell them to do it and Let me make it clear, okay, all of these. Don't touch it for years. If you

32:22 If the fund is not good, the entire corpus will be different. Move as a fund and SIP too Continue but withdraw that money. Asset other than cash and equity If going to class were a ration like this... I would say don't take it. So here is the mind. Preparing the set is Important. And second question It's been six months since I got to the point. Join the play group in We will do it. But now he has to pay his school fees. No related plans have been made. The main focus is all about investing. It's yours. Do you need to switch? SIPS to Ultra Short Term R Duration Funds Are Start ASWP Once My Kids Start Going To School and Coming to This Question When you arrive, you will have an additional 40,000. They said there would be leftovers from that, right? A small portion of your kid's education fees Related to S in duration are ultra Which are the short term category funds? Let's start SIP. And

33:08 You need to plan for SWP. No. When should I pay school fees? Then if you withdraw, you will get one. Money comes in on a working day, right? If you pay as much as you want, Enough. The rest of the SIP continues like this. It will happen. And that corpus is whatever build If it's for his fee, then use it. This is his overall continuous work. Education related, you are proper. This is how you can plan for Infact I Suggest many parents to the rest Even those many people suddenly pay school fees Money related when it comes They run away from their credit card. Otherwise, take a personal loan and pay like this. They do it, but we are next. Whichever year you have to pay the fee, that is. We break for 12 months and that's every You have invested in the form of a monthly SIP. Imagine that you withdrew it and My cash flow requirement in time Fulfill what is. You can do it. And also this for you

33:54 In ultra short term duration funds you can How much return does Almost FD give? Similar returns and flexibility too That's right. You can also do C Basic RD. But the problem is that you have Conditions are where conditions are here. No. When we need it, then how much? You can withdraw as much as you want. Only If it's a working day, It takes. And low duration ultra Less than in short term categories Don't invest for more than three months. Which means there is also volatility. And Coming to his third question, How should I plan for retirement? We are doing something but not sure how. How Much to Keep SI for Retirement and How To plan for it and next question With the current corpus of amount till how Many years we both need to work and the Last question we are planning for a Second baby is my corpus is enough to Handle One More Expense Efficiently Okay, here is the excel sheet for these three questions.

34:40 Take it to the numbers you gave me. To input and answer Let's try. The numbers you gave All input in Excel sheet. I did it. I am here for retirement related I have inputted 60 as a number but I have one for you. I will retire at 55, right? Do you want to retire at 50? At what age should you retire? Input here. Input If you do, you will automatically receive your monthly Present whatever the expense is. Here you will find corpus based on expenses. It depends on how much you want to create. That's it. No, that corpus is when you If you can create, then you Achieving financial freedom So that corpus you want to achieve is 55k. No. Your income level has grown significantly. Think about your corpus even sooner. So the first thing is to be able to create. It's important for us to know the destination. That's important. Our expenses What is the corpus requirement based on this?

35:26 It's very important to know that it exists. Approximately for most families Ideally a corpus of 10 crores in India Complete financials once built It's like achieving freedom. So you When it comes to cases, here's yours too. Almost similar number shows 9 Crow 84 locks so it costs 45,000 SIP If you do this, you will achieve this goal. Can do it. And you are already ready. Because they are doing more than that. Be relevant to your retirement goals. There's nothing to be done, but your children. The plan is education-related. What needs to be done. So that's ₹40,000 per month. Whatever is left over, a ₹10,000 In ₹15,000 whatever the school fee amount Relatedly, you are ultra short. SIP in term duration categories Start. And the remaining amount is that If it's for the long term on the kid's name Start investing. And you Even when annual income increases

36:11 What is the investment on the kid's name? Increasing what is there Go. So That Kid Education What are the related expenses? Meet them comfortably too. You can become. Overall, your current As for savings, all of these are there. You are also perfect. So where? Also to give me big corrections But it doesn't show up. All the best to us. Next question Yashwanth garu Asking. Hi sir, I have one. Maximum amount I can invest in mutual funds I invested in it because I feel like a fund. Managers are better at picking up Stocks than me but after seeing the Markets from the last five years Want to create a portfolio of my Own with only 10% of my total cash That's a good starter because You spent five years of time. These are the fundamentals already in the market. I learned a lot related to I thought so and also more capital Instead, start with 10% of the capital.

36:58 So fine but stick on. To Your Rules is the initial and When you invest in your mutual fund Even more editorial than a portfolio I am able to generate a return. Just say in one month, in three months. No, after watching a three-year period part Whatever you feel like, then whatever you want. Change the allocation part if it exists. Try to do it again. Till then whatever you are now rules Follow the rules that have been set. Try to be. So now I want You can suggest five sectors which are Going to Grow Along with India Growth Story and If Possible Please Suggest few Indians from each of the Sects to Elsewhere on My Own What is here to just create a little Extra off please pick my question yes It's going to help many people. Want to create a portfolio on there Five to study on your own and you First thing when it comes to things

37:43 Whenever we need to talk, anything. The country's GDP is 2.5 trillion. Is it growing beyond that country? Very good as far as premiumization is concerned. Growth is a fact. Because that Per capita of citizens in the country Because income also grows. Spending patterns change It will happen. Clearly we have it too. Those changes clearly reflect Are happening. Now this pre-imagination is In which stocks do we get growth? That is, when it comes to jewelry related If our income increases, we will buy jewelry. We would prefer to purchase. And Also, if there is a two-wheeler, then a four-wheeler. We would prefer to purchase. So Automobile related especially for Wheelers have the potential for related growth. There will be. And also Travel and Tourism Related spending is also good. Increases. We are in the previous generation.

38:29 Look at our fathers and grandfathers. But they are the ones in their lifetime. Travel means going on some pilgrimage. They used to go, but now they are like that. Saying one trip a year, Wouldn't it be nice if there was income? As the level increases, so does our travel. Tourism-related spending also It means it's growing. So we are ready. We are seeing it grow even more. Now we see that whoever Income Levels 10 Lakhs 15 Lakhs Above Those who are there will travel. Tourism-related spending is high. Doing. Now many people have that income. They will grow to the level in the coming days. When will you grow to that income level? All of them are also travel tourism. Relatedly, spending a lot is Grows well. And also outside Food consumption will also increase significantly. Like usr consuntion related You can see the growth, so what are the themes like this?

39:16 If so, this is the first thing I see, so it's clear. Cut and especially this year We have very good growth related to this. But there is a chance to see it because first Whatever tax-related cut we have. Those with income of 10 lakhs and above You will get the first benefit because this Tax cut 7 lakhs 5 lakhs income There's not much difference between them, right? Okay, those with income of 10 lakhs and above. So what are these tax brackets for them? That tax was increased because of that. Whatever part is there will remain. So Because they spend it. Their spending pattern is ours. If you see me now, what am I? As I said, in a place like this, we mostly Spending is visible. So next year Not only this but also the government Pay revision of employees also It happens. So that pay revision will happen. There are expectations, so it If it happens, this ephelion will happen again. Whatever spending is related to this

40:02 It also grows well, so here we We'll see if there's good growth. This is It only talks in terms of long-term growth. Not just short term. Second We are consumer tech related. Basically, most companies are traditional. Businesses are what they are. They continue to grow by disrupting. That's it. So such companies are related We can focus. And you and I Even if you think you're watching a video If you haven't seen it, watch it once. Try it there I am personally Whatever the current market cycle, Our approach in every market condition The investing style of that market Adapting based on conditions Very important and previous market What are the stocks in the cycle? They performed well in this market cycle. There is no rule to perform. Infact In many cases, we have new winners. It means they are created. So for us Whatever the current market condition is

40:48 How can we build our portfolio based on this? I personally need to align my How I aligned my portfolio I made it clear to you in the video. But I explained it in the post. Covid Investors Whoever It Is A must watch video for you guys because If I had seen that video, I would have just How I aligned my portfolio Not only that, but you are also actual You are based on the previous bull market. If decisions have already been made Why not just take it and that's it. What decisions need to be made now? If you have good clarity on that too. I'll put it in the AIB button here. Try to see. Next is also Let's hope the economy grows. Very good growth in the banking sector But it's true. Is it a clinical Sector But in the banking sector Especially private banks. There are here to focus. Try. This is another sector. Where we can see very good growth. So I These sectors have been shared with you so far.

41:34 Which are these and also what I am in the video To study them, Try. And from here you Good quality companies especially cash Generating companies, if any, Try to pick up only Initially high-risk high-beta stocks Try to award. Our Next question is Shivarakshit garu. Asking Hi Sana I have a question. Regarding SIP, everyone is an investor. 30 40 Years In SIP And You Will Get Good amount at the end I have searched For SIPS but most of the SIPS is Hawa 3 Where can I find a two-five-year tenure? Find SIPS with 30 years tenure My Understanding of SIP Investments are not wrong at all. All wrong, you're doing something like that on Yup. You may have seen it, but you can see it in the same way. There is an option called Perpetual. That Perpetual What does the option say to you, SIP? Continues until canceled.

42:19 That's it. So select the perpetual option. Or you can customize the tenure. There is also an option to do so. End date The option to select the end date Even if you select SIP Plan for as long as possible. It can be done. Normal use Many yups are said to be for doing so. Options say three years, five years But you are the one who gives it to me. Whatever they give, it's a platform. Expand a little more. If you can see, you have a permanent place. It seems like a perpetual option, but Select the customization option. You can. So you are SIP. You can continue. Another doubt arises. After you have been questioned, what are you doing? Did they think it was SIP? If so, If it's as expected, there are no dos or don'ts. SIPs You can invest in mutual fund SIPs. But you will have these options open. So that's it for today's Ask Money Per Show. Guys, did anyone miss yesterday's video? If so, it's a must-watch video.

43:05 Especially the stock market after Covid Here's an anchor for all investors. Be sure to check it out. And today's ask Like the video until you like it. If not, please like the video and share it with your friends. Friends and family are also helpful. What happens is sharing it with them. Don't forget. And this is the first time we have money. If you come to the parts channel, Subscribe and click the bell icon next to it. Activate all notifications. I am Sai Krishna Patri with another good video. I will come before you until the boy takes it. Care