The SYSTEM is working AGAINST YOU! | How to Escape the Middle Class Trap | Ankur Warikoo Hindi
Published: 2025-06-21
Status:
Available
|
Analyzed
Published: 2025-06-21
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 1
Prediction
Topic
Status
A 12% average yearly return from mutual funds via SIP is a conservative estimate, as indices like Nifty have historically shown returns greater than 12% over 10-30 year periods.
"Consider a mutual fund through SIP. That SIP gives you 12% on an average yearly return. What is the base or foundation of 12%? If you look at Sussex or Nifty over a long period of time 10 20 30 years it has been greater than 12%"
Correct
The challenges for the middle class are expected to persist for the next 10-20 years.
"The bitter truth is that this world is becoming difficult for the middle class. And this is not a recent thing. This is going to remain for the next 10-20 years."
Pending
The real income of the middle class has declined by approximately 12% over the last 10 years, meaning their purchasing power has decreased.
"our real income in the last 10 years and real means the income which is measured in terms of money status or its worth. What is this money able to consume and purchase, that has actually declined. Buy about 12%"
Incorrect
The value of money for the middle class has decreased over the past decade.
"The value of our money has reduced in 10 years."
Correct
The middle class faces a double taxation burden, paying taxes on income, purchases, and investment profits.
"the middle class gets caught in the middle. Those with salary deed who pay tax on their income. Then whatever you buy on the money that comes after tax, pay tax again. If you invest, then pay tax on its profit."
Correct
Social security benefits are unlikely to be implemented soon in the country due to its status as a developing and poor nation with many existing problems to address.
"Social security will not come to our country for a long time. Because we are still a very poor country. We are still a very developing country. We Still Have Lots of Problems to Fix."
Correct
Long-term disciplined investing can enable individuals to generate an additional month's salary annually within a few years without additional work.
"long term discipline investing. I want to show how long term disciplined investing can help you reach a point in just a few years where you can automatically generate a 13th month salary without working."
Pending
After 23 years of disciplined investing (10% of salary, 12% return), individuals can expect to earn an additional month's salary annually through investment income, effectively earning for 13 months while working for 12.
"If you move ahead slowly and gradually, friend, then a point will come which is the 23rd year, you will be earning ₹73132 per month and you will earn ₹74000 per year, which means at this point, one extra month has been added to your salary. You work for 12 months, but now you are getting salary for 13 months without working even for a single month."
Pending
Increasing investment to 20% of salary (₹5,000 monthly on a ₹25,000 base) can result in investment earnings matching the monthly salary within 9 years.
"So let's say we do 20% investment. Meaning, the same salary of ₹25,000 but instead of ₹500, we are now investing ₹5,000 every month. Look at what happens. You will beat your monthly salary in just 9 years."
Pending
By age 30, with a 20% investment rate, individuals can earn an additional two months' salary annually from investments.
"By the age of 30, if you maintain the same returns, you will be earning the same ₹12,000, but now 2 months' salary will have been added to your salary. Because you are through your investments making ₹40 a year."
Pending
Achieving a 15% investment return (potentially through taking a little risk) could allow individuals to add an extra month's salary annually within seven years.
"If you take a little risk and keep it well, it can reach 15%. Above this, off course, it gets a little tricky. But let's say that you will add one more month to your salary within just seven years."
Pending
Over 20 years, investment returns can add two and a half months' salary, and by 30 years, this could grow to three extra months' salary annually, effectively earning for 15 months while working for 12.
"Within 20 years, you will be adding ₹150,000 to your ₹63,000 salary. This means two and a half months salary is free and by the time you reach 30 years, you will be adding 3 months salary to your annual salary. Meaning, by earning for 12 months, you will be earning 15 months salary."
Pending
Starting with a ₹500 monthly investment and increasing it by 5% annually, with a 15% return, could result in ₹42 lakh after 30 years, equating to an additional three months' salary earned for free each year.
"if you start with ₹500, give 5% annual step up, then after 30 years at 15% return you will have ₹42 lakh. Another way to look at it is that every year you will be earning 3 months salary for free."
Pending
With a lower salary growth rate of 3% (common in traditional industries), individuals could still see their investment income reach approximately four times their monthly salary by age 30, with the 'match' happening within six years.
"If the same salary growth is 3%, which is usually common in very traditional organizations or traditional industries like manufacturing etc. So the match has happened within six years. By the time you reach 30, your monthly salary is only around Rs 59,000. You are earning ₹14,000 per year. Close to four times."
Pending
Phasing investment increases, such as starting with 10% and moving to 20% later in life, can lead to earning two and a half months' salary for free annually after 30 years, even with a ₹1 lakh monthly salary.
"you can say that friend, from 25 till I reach 50, I will do only 10%. After that I will do 20% and you make it 20. And you will see a difference and you will figure out what it is. And you see, after 30 years your salary is ₹1 lakh. You are earning Rs 2.5 lakh per year. Over and above the money you already have invested. This means you are getting two and a half months' salary for free."
Pending