Minimalism is the mantra …. One does not need so many things that we imagine we need , when you retire. The point about simple lifestyle resonates with me … our children may emulate this in their lives as well.

Fully agree, I have been doing these for last 30years back and today at 67i m very happy retired life with lots of money flow.

Appreciate. I agree to most of them, especially the child education and inculcating values in kids instead of overspending on their education.

Sir, Very true points Iam a self employed, Iam 61 yrs of age all most all points are same as experienced by me my children are well educated and settled in life and Proud of myself, right from the age of 45 yrs I used to discuss these points and discuss with my friends helping them in financial planning , especially SIP , Mutual funds RDs and some portion in life insurance Many thanks for your beautiful and easy understanding words used God bless you Sir Best regards, Somashekar, Chartered Engineer.

I am so confident of your content quality that I like first and watch later.. thank you Dr. Bhatt..

Excellent points! Everyone can have a level of financial stability with the right information. This is one subject that school will never teach you.

Excellent advice sir... especially on children education and enhancing lifestyle...very true

Very valid points, explained nicely. Thank you.

While today's kids are devoid of any financial, cultural or religious values - everytime I hear your advice, it brings positivity and respect. Thank you for sharing your knowledge.

100% agreed on your 10 points for 45-55 years!! Basically most of the parents take pressure and pride in spending money on kids education ignoring their retirement which really creates a stalemate situation if kids decides to pursue higher studies or didn’t contribute back to the parents when they need. Instead I agree we should never even put them on that situation. Wise decision is to encourage student loan!!

Excellent advice 👌 I agree with your views. I am already following a few steps from your advice. Now, it gives me the confidence. I am planning to make self-correction in my financial portfolio, like - Buy insurance for a home loan. - sell my car( liability) to pay (partly) my home loan. I have managed 10-12 lakhs for child education. Now, my full focus is on building a retirement corpus. Hopefully, I will save enough money for a peaceful retirement life. Thank you 🙏🙏🙏🙏

All points are absolutely practical n relevant. In fact just not technical areas even emotional mistakes n carry forward effects on kids is well articulated ❤

Very good suggestion to the age group of 45 to 55 for their financial planning

These must be thought in companies for senior personnel… many companies would love someone like you to guide their senior personnel

Point 10) is awesome, never thought about the three parts of upgrading lifestyle.

Thank you for sharing your wisdom, I just turned 45, this is so timely for me.

Such a powerful video packed with wisdom, thanks so much sir, I'm entering into that age bracket very soon, luckily i have been taking many wise steps over the years but there's always room for improvement, it's a shame you are not in my country, i remember sending a whatsapp message to the number provided sometime last year and i was told you can't render any service to me because of my location, thanks all the same, God bless 🙏🏾

This was truly a fantastic video, to introspect, prioritise and plan. All points are important to analyse. The 3 consequences on the life style upgrade was brilliant.

Hallo, I am in your age bracket and Absolutely agree with your views.

Very valuable advice. The points are most relevant. An expenditure you have left out is daughters weddings. I am forwarding this to all my friends and relatives under the age group. Thanks once again for imparting this knowledge .

I totally agree with you and fortunately I have already followed what you have suggested ,thank you so much sir for your valuable advice

Eye opening. Interesting. Thought provoking. Tq.regards.

So grateful sir. Amazing topic. This is perhaps one of the best videos i have seen in my life. I will leave 🙏🙏🙏 for you.

I agree all these points .it gives a direction who r at cross roads.

Absolutely agreed with your 10 points & real facts are articulated.. Thanks lot for sharing this useful information

Reading about this had been there but felt nice n knowledgeable listening such video first time. Thanks

Yes I agree with points.

Sir, you opened my eyes, I am still in the age of 41 but its great input for better planning 😊

Sir, very well covered. I am 52 now and happy that i am doing atleast some excercise which is mentioned in your lecture. The highlight i marked is top up health. insurance.

Dear Dr. Bhat, I feel 49 years should be an upper limit for such retirement planning. Some insurance policies can not be planned/ are not available at the age of 50. In the present scenario, a decent earning (to save some money) starts late at the age of 35 and due to the fast changing technologies it ends very earlier by 45 -50 itself. After 50 yrs, instead to climb up the hierarchy, people face many challenges, even to retain their existing positions in-spite of upgrading their skills in private companies and for professionals - - - you should be knowing that

Excellent views very useful and need to be necessarily followed few of the points which I already realised and practicing having a real look on my portfolio is an essential one thanks for this

You are spot on. Most of the points you mentioned are all very much valid - especially the last two points.

Well covered ❤ Thanks for the checklist. Very useful information

Excellent !!! Appreciable thoughts for all practical purposes!

thank for nice education and reminder of life. I have never tried to plan it for th future. Maybe my relgious also infulences me. I will keep watching your tutors

I love watching your videos. Just that I am neither an NRI nor a HNI.... Great channel!❤

Excellent one ... I am an IT guy coming from a middle class family background... almost completed 25 yrs of services... Now at 47 , planning for future retirement planning ... your idea as described over the video definitely helped a lot... Thanks

Very informative and relevant points covered.

Thank you so much for this video. Even though it all sounds very basic, what you hsve done is consolidated as a checklist for us. Thanks again.

Excellent pres 20:06 entation sir, Im doing something for long time and happy to see many of the goals and action items are covered. My view is emergency fund and child marriage also important which we need to plan. Im sharing my view, pls correct me if im wrong.

Very very useful and knowledgeable

Bhat Sir , super agide video . This is Very Informative and valuable suggestions!🎉🎉

Nice explanation. We middle class family members in same situation

Excellent information sir

Super, point no 10 is very important.

Most of the time the insurances are found to be the liability than an asset for most commaners except in comparison with the business units owners

First I thank you so much for the presentation for this age group, not everyone is knowledgeable about finance handling at the age of 50 plus few NRI would have not done anything can you please make some presentation for them separately sir ji.Thanks in advance 🙏.

Great 👍🙏😊

For middle class, at the age 55 he is having house car and other house hold accessories with a bank balance of 30 lacs approx. Now after 58 he wants the same salary to survive. Say 50k. Upto age of 55 he made a lot of fund in share market and other gamling activity. Now health cover of 5 lacs is sufficient. But it is difficult from the fd interest of 24 k manage house expense of 40 k. Mutual funds first earn for them self. After the age of retirement the skills of making money is also down

Excellent video and great presentation

Summary - need a financia! Advisor!!!

Thanks sir, very informative.

Really was golden advice so thank you Brother ❤❤❤

A very resourceful clip. Minimalism. A retiree to advise you on financial challenges at retirement so that you can address them. Have an insurance policy in place. Have a home

Well explained.... thought provoking....

It's a great reminder of retirement plan

Excellent Sir, 10th point is so true

Beautiful video,a great eye opener

Very very good suggestion sir

Best one, eye opening

Excellent video, Also please make a video on managing property from abroad and selling(reoatriating money) or buying property while based abroad.

Child education should be from salary, retirement is based on wealth generated from capital investment we made in 30’s or 40’s.

Very informative.

Very nicely explained ❤

I agree with comments, good video sir .

Excellent advice sir

Best video thanks 🙏🙏

Good advice thanks sir 👍 gkkrish 👍👍

Interesting stories.

A good teacher

So remarkable Sir,Thanks a lot🙏👍😊❤️🌹

Like the property portfolio rebalancing

Wonderfull tips 👌

Beautiful session

Very helpful 👍

Yes I agree with you

Great info sir

very well explained 😊

Great build up

Nowadays insurance companies keep raising premiums on yearly basis,which makes existing policies unaffordable. Any suggestions on how to manage this crisis?

Thank you sir

Good information

1- Financial advisors sell products created by institutions for a commission. The annualized capital percentage commission is very high. If thy know how to invest properly, they wont work for anyone 2- This guy is trying to create business 3- There is no accountability if the fractional ownership company you invested fail to deliver. Its just like any other business 4- He is correct in investing children's education No one look after your money or asset as you do. so you are the best person. Educate yourself This is my two cents

Spot on!

Nicely explained..👌👌

Excellent video

Great video.

Thanks sir

Excellent

All the points you made are excellent, but you never talked about gold

Thank you so much 👍

Will contact you and your team for financial advisory services after I work out my current state

Thank u sir

absolutely correct

Pls make a video on NRI options to invest in India corporate or govt bonds, modes and mediums, brokers that provide support, documents needed, types of current bonds, secondary market, return potential. Thanks

Jai Hind Jai Bharat 👃

Sir, very good content. Q. What is the best way to find a financial planner?

Super 👌

Why only commercial real estate n not reit/invits. Is there any specific reason plz elaborate...

Point No. 9 If we invest on Rental Assets, which can be liquidated ( commercial) eg. for Rs.15Lakhs - getting monthly rent of Rs.8000/-, is it will be better or not. Please suggest.