ilmscore | Investment PLAN for New PARENTS | Money Matters Ep. 39 | Ankur Warikoo Hindi

Investment PLAN for New PARENTS | Money Matters Ep. 39 | Ankur Warikoo Hindi

Published: 2024-12-07
Status: Available | Analyzed

Predictions from this Video

Total: 9
Correct: 0
Incorrect: 0
Pending: 9
Unrated: 0
Prediction
Topic
Status
The speaker predicts that LIC returns are lower than fixed deposits and significantly lower than potential returns from mutual fund SIPs over an 18-year period. The LIC is projected to yield 5.93% return, while a mutual fund SIP is estimated to yield approximately 5.5 lakh rupees after 18 years for the same investment amount (implying a higher effective return).
"If you calculate this mathematically, its return comes to 5.93, which means your money is growing at 5.93 per cent every year. Well, this is a lower return than a fixed deposit because a fixed deposit also gives you around 6 per cent. But if you invest this same amount, which is 2558 rupees, in a mutual fund SIP for 18 years, then after 18 years you can get 5.5 lakh rupees."
Mutual Funds vs. LIC Returns
Pending
The speaker predicts that the stock market will consistently provide returns greater than 6% over 18-year periods, with a minimum of 8% and an average of 12% over 10 years.
"With 100% certainty, it will give a return of more than 6 per cent because there has never been such a period in the stock market in the last 18 years. Shubhankar, where the stock market has not given a return of 6, well, it gives a minimum return of 8, and on an average, in a period of 10 years, it has given a return of 12"
Stock Market Returns
Pending
The speaker recommends stopping the recently started LIC for Shivansh and instead initiating a Nifty 50 mutual fund SIP of 2558 rupees for 18 years, predicting it will yield a significantly better outcome (potentially Rs 20 lakh or more vs. Rs 10 lakh from LIC).
"My suggestion would be that you stop this LIC that you have just started and start a mutual fund SIP for the same amount of 2558, okay, okay, and do the same for 18 years, which you did for Shivansh"
Investment Strategy for Child's Future
Pending
After the loan repayment in April 2025, the speaker advises investing the saved 5000 rupees monthly. The proposed split is 3000 in Nifty 50, 2000 in mid-cap/flexi-cap funds, and 0 in small-cap index funds, for a total investment of 5000 (with 3000 held back for expenses).
"As soon as your loan of April 2025 gets over and you will get savings of 5000 every month, you should start investing that 5000 properly and my suggestion for that would be that you invest 5000 out of that 11 lakh. You can keep 3000 separately for your expenses or anything else. If Shivansh is also lying around, there will be expenses for that too. You will invest all that 5000 from April 2025 and what will be its split? You will invest 3000 in Nifty 50, 2000 in mid-cap or flexi-cap mutual funds and 0 in small-cap index."
Investment Strategy Post-Loan Repayment
Pending
The speaker projects significant wealth accumulation through disciplined investing: 27 lakh after 10 years, 1.04 crore after 20 years, and 6.7 crore after 30 years, assuming consistent investment of 5000 rupees monthly.
"If you do this for 10 years... you may have Rs 27 lakh in the bank... If you do this for 20 years, then you will have Rs 1 crore 4 lakh... And if you do this for 30 years... you will have Rs 6 crore 70 lakh."
Long-term Investment Growth Projection
Pending
The speaker highlights the impact of inflation on long-term investments, stating that the future value of accumulated wealth (e.g., Rs 27 lakh after 10 years) will have reduced purchasing power. Conversely, Rs 12 lakh today or Rs 1 crore today represents its current purchasing power.
"Its inflation adjusted value as of today because after 10 years, the value of that Rs 27 lakh would have reduced. But if you have Rs 12 lakh today, then the value of that Rs 12 lakh will be Rs 12 lakh. ... if you have Rs 1 crore today, whatever you can do with it, whatever you can buy, however you can live your life, you can live the same life for yourself after 30 years."
Future Value of Investments
Pending
Following loan repayment in April 2025, the speaker strongly recommends obtaining health insurance first to cover hospitalization expenses, followed by life insurance (until age 60) before the age of 40.
"As soon as the loan is over, that will be the right time. You should start with health insurance first, so that if anyone gets hospitalized, you can easily bear the expenses. And then after that, before the age of 40, you should also take your life insurance till the age of 60."
Insurance Recommendations
Pending
The speaker emphasizes the flexibility and control offered by mutual fund SIPs, allowing investors to start, stop, and withdraw funds at any time, unlike the commitment associated with LIC policies.
"The best thing about mutual fund SIP? You can start it anytime, stop it anytime and withdraw your money anytime. You are in complete control... it is not like LIC where If you commit, you won't have to pay any money. You can stop your SIP anytime, you can stop it anytime, you can start it anytime, everything is at your will."
Mutual Fund Safety and Control
Pending
The speaker predicts significant growth opportunities in India and its stock market over the next 10, 20, and 30 years.
"The stock market and India is at such a point where the next 10, 20, 30 years Perhaps growth is all there is to it"
India's Economic Growth Outlook
Pending