ilmscore | 38K Salary, 19K EMI, 3 LAKH LOAN! | Money Matters Ep. 86 | Ankur Warikoo Hindi

38K Salary, 19K EMI, 3 LAKH LOAN! | Money Matters Ep. 86 | Ankur Warikoo Hindi

Published: 2025-11-05
Status: Available | Analyzed

Predictions from this Video

Total: 5
Correct: 2
Incorrect: 0
Pending: 3
Unrated: 0
Prediction
Topic
Status
Starting December, redirect a ₹3000 EMI towards building an emergency fund via a debt mutual fund SIP.
"instead of paying off that loan, I want to spread that EMI of ₹3000 towards your emergency fund. So what will you do? When this loan is repaid in November, then from December onwards you will start an SIP of the same ₹3000 in a day mutual fund."
Emergency Fund
Correct
Invest ₹1000 in Nifty 50 Mutual Fund, ₹500 in a gold mutual fund/ETF, and ₹500 in a flexi cap fund.
"You will invest ₹1000 in Nifty 50 Mutual Fund. If you think it is right, then invest ₹500 in a gold mutual fund or a gold ETF because gold is rising very well and you will invest the remaining ₹500 in a flexi cap which will handle it by mixing a little bit of large cap and mid cap."
Investment Strategy
Pending
Projected investment growth: ₹28 lakh in 10 years, ₹1.6 crore in 20 years, and ₹7.21 crore by age 55, assuming a ₹9000 monthly SIP with 5% annual increase and 15% average annual return.
"Amit, if you do this for 10 years, you will earn Rs 28 lakh. If you do this for 20 years, you will earn Rs 1 crore 60 lakh. And if you do this for 30 years, that is, if you do this till the age of 55, then you will have Rs 7 crore 21 lakh in your bank at that time."
Investment Growth Projection
Pending
When the ₹4000 personal loan EMI concludes, reinvest that amount towards repaying another loan, aiming for its repayment within a year.
"My opinion would be that at that time, instead of considering this EMI of ₹4000 as over, you should invest it towards this loan so that that loan also gets repaid within a year."
Loan Repayment Strategy
Pending
Any bonus received should be allocated 100% towards repaying the outstanding ₹50,000 loan.
"whatever bonus you will get Amit, 100% of that goes towards that loan of ₹50000 because that is a very big loan, so do not think of investing at that point. At that point, you should think of clearing that loan"
Bonus Allocation
Correct