Living in 1.5 Crores house with 90% Salary Locked in Expenses

Living in 1.5 Crores house with 90% Salary Locked in Expenses | Salary Secrets Ep 3

Рет қаралды 69,722

Күн бұрын

Welcome to the new episode of salary secrets with Swaroop.
Swaroop is living in a luxurious 3 BHK apartment of 1.5 Cr. But the only problem is his 90% of income is into monthly EMIs and Expenses. How can Swaroop build a good corpus from his remaining 10% income.
Link to join my youtube community : / @personalfinancebychandu
0:00 Introduction
2:21 Home Loan
4:10 Importance of Health insurance. Family medical emergency
5:40 Swaroop family Income
6:20 Expenses
8:29 Insurances
10:25 Real Estate
11:50 SSY Investment
12:50 Swaroop monthly budget overview and feedback
13:13 Finance Gyan
14:14 Salary spending
15:05 Starting investment journey
18:25 FUN Round
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Пікірлер: 235

@PersonalFinancebyChandu 11 күн бұрын

Link to join my KZfaq community : kzfaq.info/love/sp5qFT7WU8FQUwlLSKotWwjoin

@freshnews3171 6 күн бұрын

నా ఉద్దేశం ప్రకారం house సేల్ చేసి రెంట్ కి ఉండటం చాలా మంచి పని.... అన్ని ప్రోబ్లమ్స్ clear ఐపోతాయి...

@srinivasaraosanku7852 6 күн бұрын

Amite konevallu vundaru bro.

@freshnews3171 6 күн бұрын

@@srinivasaraosanku7852 😄 yes time పడుతుంది నేను sis ని bro...

@freshnews3171 6 күн бұрын

@@srinivasaraosanku7852 time పడుతుంది... కానీ 30 ఇయర్స్ emi pay చెయ్యడం కన్నా సేల్ చెయ్యడం మంచిది

@MyTalks-on8gy 4 күн бұрын

@@freshnews3171antha intha time kadhu yendhuku antey present rent ki thatukoleka loan petu thesukuntunaru okavela resale house velthey present rates chepthunaru so ola property ki present rate badhulu new property ki rate petidhey manchihi kada ani

@freshnews3171 Күн бұрын

@@MyTalks-on8gy అంత పెద్ద house అనవసరం..

@kovvuriGopalKrishnaReddy 14 күн бұрын

I do invest 90% of my monthly income to various investment types & created a corpus of 1.5 Cr + constructed own house in my hometown in 8 years of my work experience. I started with 6k per month stipend in bangalore

@PersonalFinancebyChandu 14 күн бұрын

Very good. Make sure you are investing in proper good investments

@muddusathyanarayanagangapu3114 13 күн бұрын

Can you please share your investment strategies this would help others . Thanks

@FirstNameLastName-lo6dg 12 күн бұрын

Pls share the strategies

@universalinformation572 12 күн бұрын

@@kovvuriGopalKrishnaReddy not possible unless you are making 50LPA +. Very unrelastic numbers.

@kovvuriGopalKrishnaReddy 12 күн бұрын

@@universalinformation572 when you have discipline & respect towards money it is possible else it is not possible even with 1cr package

@simhadrimallikarjun1635 13 күн бұрын

First school fees ki save చేసుకోమను. లేకపోతే ఆస్తులు అమ్ముకోవాలి..

@raipramodkumar7989 6 күн бұрын

😂😂😂😂😂😂

@yaminireddy1553 3 күн бұрын

True

@racha_2021 2 күн бұрын

Ithanu extreme luxury chose cheskovadam intha tough situation vundi. Edo oka investment clear chesi monthly emi commitment thagginchukovadam better

@sharankumar4759 12 күн бұрын

Home loan is a trap... Unfortunately every corporate employee is getting into it... Daridram aenty ante, willu chala confident ga, chala proud ga feel awthunnaru...

@tejentertainmentvideos7581 11 күн бұрын

Mari em cheyali house epudu konali

@haritejareddy5141 10 күн бұрын

House konukodamee jeevitam kadu...evarni chusina loans antunnaru edi correct paddati kadu...kontha money save chaskoni...polalu oo..flats oo konali or else gold aiyna...entiki em tondara ledu..maha aite 15-20 k vuntadhi rent anthe ga..danikosam..2 cr or 1 cr tho kadatam entha varukku correct..pillalu settle aieaka or invest chesina land nundi or gold nundi konavachu...enka telivi vunte aa dobbulu tho hotel katti rent ki eachina super ga vuntundhi@@tejentertainmentvideos7581

@gowthammodepalli7858 9 күн бұрын

Bro. House teesukovali eppudaina. Ippuudu teesukokapothey tarvatha konni years ki ayina a pressure untundhi. Life long house search cheyalevu even if you have money in hand.

@vinaykumarmiryala6082 8 күн бұрын

I agree… but in India house became a necessity.

@vinaykumarmiryala6082 8 күн бұрын

@@gowthammodepalli7858 once you reach investments 1cr+ ( shares / mf) then go for home loan. 1cr home loan ki vellina approx 80k per month pay cheyali EMI 1cr investment nundii returns approx 1L per month… so safe zone to take home… Ea investments lekunda home loan ki velthe block avtharu.

@MrSatyan123 24 күн бұрын

Excellent video. With best quality. Respect.

@PersonalFinancebyChandu 24 күн бұрын

Thank you

@yaswanthmalla2634 5 күн бұрын

why people are loosing minds while seeing a big flats instead they should able to see a heavy and high fees debt

@tintin_teaches 23 күн бұрын

Really appreciate your efforts and participant courage. Please give a specific plan by breaking down in the meeting itself (not generic advices) not separately, so we will also be aware of your quotient. Take reference of finance with sharan, wint wealth, 1℅ club interviews.

@PersonalFinancebyChandu 23 күн бұрын

Sure. Will do. Thank you for your inputs

@durgaprasadbade476 13 күн бұрын

Watch ankur warikoo videos He give Excel sheet with clear details .@@PersonalFinancebyChandu

@swamygoud6616 16 күн бұрын

Nice video anna elanaina financial knowledge spread avutadi good work 🎉❤

@PersonalFinancebyChandu 16 күн бұрын

Thank you brother.

@kalyanv2462 7 күн бұрын

Repaying home lone and reducing tenure is shit idea...... instead of repaying the home loan its better to invest in stocks and mutual funds which gives more than 15% returns

@PersonalFinancebyChandu 7 күн бұрын

When Home loan tenure is 30 years, it is always advisable to get it under control. When tenure is under 20 years, I wont recommend repayment of lumpsum.

@suresh85nit 2 күн бұрын

It was very good iniiation to make videos regarding the real life senarious. It was really helpful for the people who wants to lead their life in secure way. Really appreciated.

@PersonalFinancebyChandu 2 күн бұрын

Thank you

@anushathokala 15 күн бұрын

Don't trap in own house emotion, and don't get lifetime debt

@NeerajRaghavendra 13 күн бұрын

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

@mindmirror7902 10 күн бұрын

@@NeerajRaghavendracouple కి కలిపే 1.6L ఏమో అండి.

@ramvlogs6809 8 күн бұрын

They took combine loan husband and wife

@srikanthnp999 8 күн бұрын

We need promotions, not emotions…

@VayOfBwNHI 26 күн бұрын

Nice work chandu... Your show looks similar to finance with sharan shows/interviews... But anways, your show is in our mother tongue telugu... Great... Good going and all the best

@PersonalFinancebyChandu 26 күн бұрын

Thank you so much 🙂

@Sivakumar-zp1ho 12 күн бұрын

puttatam, peragatam, education and job and buying someting etc.. and saving ..mean while age is >60 yrs .. the main purpose of life lauging from the carner .. it includes with me as well

@drkk3199 11 күн бұрын

Enti main purpose u mean

@Sivakumar-zp1ho 10 күн бұрын

@@drkk3199 living like Yogi and peasfully

@vishnusnow4u 5 күн бұрын

Nenu 2015 lo Miyapur daggara 160 sq yards house tisukuna 21lakhs down payment and 27 lakhs loan with interior naku 54 ayyindi. 2022 ki home loan close chesa ippudu naa second investment ki chustune 50 lakhs down payment chesina inko 1cr loan tisukovali.

@bhushaiahvuppathala5279 16 күн бұрын

What can we do ...his financial analysis.......🤔

@aravindNarayana404 8 күн бұрын

Good informative...

@PersonalFinancebyChandu 7 күн бұрын

Thank you

@saidulubootharaj750 22 күн бұрын

Need this type of personal finance videos bro

@PersonalFinancebyChandu 22 күн бұрын

Definitely . Thank you

@insurance973 19 күн бұрын

Edanna karchulu kavalante ela ee budget lo? Jeevithamantha pani chesthe aakariki aa bedroom thappa emi miguluthundi? Try to do Business also

@NeerajRaghavendra 13 күн бұрын

@mtubejobs 23 күн бұрын

Nice😊 Guru

@PersonalFinancebyChandu 13 күн бұрын

Thank you

@karthiksistla1067 13 күн бұрын

1) he have to close his high interest loans first and every year increase his emi by atleast 5% or prepay 1 month emi (he can use his bonus amount for that) this will reduce total repayment drastically. 2) health insurance of 8-10 lakhs for a family is pretty less one corona can wipe of everything as it will also have co-pay. He definitely need to get super top up on it for atleast 50lakhs which come for 3-4k. 3) aa mutual funds enti bro al chepaav goal based investing anedi cheyaali thana daughter education goal 15 years so daaniki entha percentage pettaali retirement ki ppf elago undi kaabatti seperate ga entha pettaali vere fund lo child marriage ki seperate fund lo entha pettaaali chaala time undi kaabatti thakkuva pettachu. And emergency fund corpus ledu bayya ki so atleast 3 months expenses daaachaali kindano meedano padi. Lekapothe enni plans vesina waste oka month uncertainty vasthe all gone. So he has bring down his emis drastically and quickly in his prime years only. Anyways it was nice one bro.

@PersonalFinancebyChandu 13 күн бұрын

Agreed. Thank you. We can have goal based investments. But are we really going to use the same funds for the same purpose. First and foremost, we need to invest good amount in SIPs so that wealth will be created. Once you have good corpus, you can use it for any purpose. Also he has plans to repay 40-50 lakhs of home loan in next 2 years with the real estate returns he is going to get.

@karthiksistla1067 12 күн бұрын

Ante anna na aalochana enti ante without goal manam invest chesinapudu manaki chinna kastam vacchina aa money vaipe velthay eyes ade manam fixed goal ki link chesthe manaki oka bayam and responsibility untadi adi muttukovaddu aa amount ni ani...

@PersonalFinancebyChandu 12 күн бұрын

@@karthiksistla1067 I agree with you completely.

@sai.boyina 17 күн бұрын

Wrong guidance. He should first focus on closing personal loan and other loans to reduce monthly payment. Then he can focus on investment.

@PersonalFinancebyChandu 17 күн бұрын

Personal loan will be closed in few months. I think 1-2 months. Please watch the complete video sir.

@NeerajRaghavendra 13 күн бұрын

@yogauchiha6298 12 күн бұрын

@@NeerajRaghavendravalla wife kuda working bro

@m.ravikiran2243 12 күн бұрын

You are in the middle class trap. I don't see any better option than selling a 1.5cr house. Repay the complete loan amount and stay in luxury apartment for rent(you can show this in IT) . Rental yield is very less in andhra/telangana. Try to invest 80k sip in index mutual funds.

@Ram2952 13 күн бұрын

software employee dabbulu anni Realestate deggara untayi

@sandeepyadav-qi4jm 10 күн бұрын

Naa opinion ga bank loan tisukoni house kani anything tisukovadam vadu oka month katakapoyina dammu chestaru faltu galu howla galu bank vallu

@sainath4277 13 күн бұрын

With 90% of expenses and managing with little bit savings with his coolness is getting doubt, did he have any emergency funds? Did he or his family have asserts? Did he getting any other sources of income?

@PersonalFinancebyChandu 13 күн бұрын

He invested in real estate and he has good support from his family members. First happy point is, he has health insurance for his family and for his parents. Now he started his investments in stock market.

@sainath4277 13 күн бұрын

Understand he is not fully in danger zone

@NeerajRaghavendra 13 күн бұрын

@sainath4277 13 күн бұрын

@@NeerajRaghavendra might be he took home loan first next the other loans? The bank will check that 40% of the salary can be go for emi, as per the banking person updates. But still how he got two house loans is my doubt

@gokavarapusriharsha8719 18 күн бұрын

Very informative video!!!

@PersonalFinancebyChandu 18 күн бұрын

Glad you liked it

@raghavendrasuru6545 12 күн бұрын

19:19 please explain this bro..

@universalinformation572 15 күн бұрын

Stuck for another 32 years. Job pote bank illu auction pedutundi. Worst planning ever. No peace of mind

@PersonalFinancebyChandu 15 күн бұрын

He made few real estate investments. He is going to repay 40-50 Lakhs in 2 years as Lumpsum and close the entire home loan in 12-15 years. Hope everything he planned works out well and have a peaceful life.

@universalinformation572 15 күн бұрын

@@PersonalFinancebyChandunot easy we say brother. Real estate is iliquid. Taxes and what not on capital gains. What is your personal opinion? Do you think paying a house loan EMI of almost 70% is better or going for rent?

@PersonalFinancebyChandu 15 күн бұрын

@@universalinformation572 In terms of financial planning, theoretically, going for a rented house and investing remaining amount in mutual funds is the best. But buying a house is an emotional decision. But we need to keep in mind the budget for buying a house. But as you said, real estate had big liquidity issues

@NeerajRaghavendra 13 күн бұрын

@FirstNameLastName-lo6dg 12 күн бұрын

@@universalinformation572true investment in realestate is only for black money hoarders and ppl who don't plan properly

@parsishashank 19 сағат бұрын

What about emergency fund?

@pavankukalakuntla6744 19 күн бұрын

Bro fix your finance ni copy laga cheyaku knchm telugu flavour and humour add chey

@srinadhm3315 5 күн бұрын

Instead flat if invested in plots or individual house it is a big investment.

@srinadhm3315 5 күн бұрын

The interviews helps us to judge which is good and bad investment and thanks for your efforts.

@napoleanbonaparte9225 14 күн бұрын

Bro high risk , but congrats & hatsoff to ur guts.

@thirupathiragamshetti7403 28 күн бұрын

Consider his real estate investment and total net assets also for financial planning

@PersonalFinancebyChandu 27 күн бұрын

Sure. Thank you. We did discuss his real-estate details which he is going to repay as part of the home loan. Thank you for your inputs

@gun-jagan0016 24 күн бұрын

Maavurilo one acare cost adi

@NeerajRaghavendra 13 күн бұрын

@samhithaparneni1574 8 күн бұрын

@@gun-jagan0016ye ooru

@abcvlog1668 12 күн бұрын

@personalfinancebychandu why don’t you calculate kids school fee and other medical expenditure in that how can he step his income SIP

@PersonalFinancebyChandu 12 күн бұрын

As he is medical insurance is secured, he need to concentrate on corpus building. Kids school fees comes in 5 years for Swaroop and meanwhile he can build corpus. As he is nearer to school age, he need to reassess his budget to accommodate the school fees. If he starts his SIP sooner, he is going to have compounding effect in his retirement fund. Hence start investment as soon as possible.

@abcvlog1668 12 күн бұрын

Compounding depends on market inflation. Let say he started with 10k as SIP for 3 years may be it will be max 5 lakhs. May be his kids starts after 2 years from that reduce some 1 lakh. In this basis how can he sustain and also some point he wants to change his car due to unforeseen reasons what is his backup. Literally sometimes formulas works without any bottlenecks.

@srikanthnp999 9 күн бұрын

1.5 cr ammesi, 30-40 L apartment konuko bro

@Nani12121 22 күн бұрын

Broo needi nadi okey kadha a)age :33 b) father police tried SI because of bifurcation joined in it C) salary also same D) 2 years baby E) kani nenu home buy cheyaledu brooo because 1.5 cr (50l apartment ki ekkuva ani na feeling,may be i'm wrong)

@nreddyr9313 22 күн бұрын

True

@PersonalFinancebyChandu 22 күн бұрын

Hope you have started investment journey(Mutual funds). Please subscribe for more information.

@universalinformation572 15 күн бұрын

Made a good decision andi. Don't fall into EMI trap. IT jobs are not so dependent. Definitely not for 20-30 years. Invest and stay happy

@FirstNameLastName-lo6dg 12 күн бұрын

Bro 30-40lakhs eh akkva bro. Considering average salary 3lpa.

@sujithabajjuri500 10 күн бұрын

Good Betterenjoy in rented houseand do proper investment

@dineshkomakula3001 Ай бұрын

Invest in ETFS

@sureshbabu8290 18 күн бұрын

Hello sir 30000 income vachevalla kosam ideas chepandi sir

@PersonalFinancebyChandu 18 күн бұрын

Sure Sir. I will plan a video on same.

@laspakeer 16 күн бұрын

Can you share sip lists

@PersonalFinancebyChandu 15 күн бұрын

please reach me in instagram message. Profile link in description

@sureshbolagani9041 13 күн бұрын

Never expose your financial things on KZfaq..

@NeerajRaghavendra 13 күн бұрын

@sureshbolagani9041 13 күн бұрын

@@NeerajRaghavendra you are correct bro

@PersonalFinancebyChandu 12 күн бұрын

@@NeerajRaghavendrahis wife is not working. She used to work before marriage and she is currently house wife.

@raipramodkumar7989 6 күн бұрын

@@NeerajRaghavendra, even if you take it as some assumed case study, many employees come under this umbrella.

@rararavi2020 14 күн бұрын

Is his wife’s income doesn’t play any role in planning finances.?

@PersonalFinancebyChandu 14 күн бұрын

She is not working as of now. Hence there is no income.

@NeerajRaghavendra 13 күн бұрын

@satyavathinekkanti7238 8 күн бұрын

Nayana idanta bandi baganadiste bagane untundi edaina garagaranidi jarigite enti gevitam mottam kasta padite meeru konna house

@dorajuluri 16 күн бұрын

House ki jeetham jeevitham ankitham cheseyyalemo 75% of earnings are going there only.

@NeerajRaghavendra 13 күн бұрын

@ganeshkumar282 2 күн бұрын

*Me investment portfolio cheppandi boss,with neat and clear cut*

@PersonalFinancebyChandu Күн бұрын

Sure will plan once I have 1 lakh subscribers. We will be doing many exciting things in future.

@Johnpaulfoody 4 күн бұрын

Waste of purchasing flat for 1+cr that too with loan ... Its so hard to listen..his intrest amount will be more than his actual payment. That too for 30yrs. I mean untill he come to 60yrs.OMG. what abt his daughters schooling health and other stuff.😮

@PersonalFinancebyChandu 4 күн бұрын

He is going to repay half of the loan amount with real estate returns he is going to get in next 1-2 years

@sainathreddy1 13 күн бұрын

First bring his debts to controllable limits and then recommend future investments.

@PersonalFinancebyChandu 13 күн бұрын

He did mention he is going to repay 40-50 lakhs of home loan from his real estate returns. He have a plan in mind.

@younginside9912 3 күн бұрын

Chill guys lets live

@sagark5032 14 күн бұрын

Onsite try chestunadu bro anduke anta cool ga unadu

@kartheek200 14 күн бұрын

how do you know bro?

@sagark5032 14 күн бұрын

@@kartheek200 bhayya salary lo 75% emi ke potunayi middle class vadu evarina risk chestada and house it self 1.5 anta think bro..

@NeerajRaghavendra 13 күн бұрын

@pavansingh6316 18 күн бұрын

flat kondam anadhe waste flat tesukovadam rent nundi thapinchukovadam.

@PersonalFinancebyChandu 16 күн бұрын

Buying a house is not only logical decision. We also need to consider emotions as well. But we always need to plan the EMI and monthly budgeting. Let's educate everyone on financial awareness.

@Hanok-f5v 24 күн бұрын

Invest in apartments in Bangalore

@FirstNameLastName-lo6dg 12 күн бұрын

What a waste of money

@chandrakalagowrishetty7679 5 күн бұрын

1 crore pedithe saripoyedi intiki. 1.5 crore too much

@SairamV17 19 күн бұрын

Sir sir please repky sir please please 🙏 help …. Actually 2weeks nundi online and youtube motham dandayatra chesanu because i have 5L money and i have 2 children’s … 2.5y and 5months old boys … vala future kosam 20y ki invest cheyali so please miru e video chepina MF names chepadi sir nen 1L each lumpsum chesta for now … future lo i will increase it but please sir athaniki chepina ah 5 stocks chepandi sir nen invest chesukunta ma kids kosam please

@PersonalFinancebyChandu 19 күн бұрын

Give me some time. Will give you plan

@SairamV17 19 күн бұрын

@@PersonalFinancebyChandu sure sir 👏🏻

@PersonalFinancebyChandu 18 күн бұрын

Hello @SairamV17 , If it is me , I don't invest bulk amount in stocks and mutual funds. Put the 5 Lakhs amount in a FD where you can make flexi withdraws without any extra charges (Small finance banks usually provide higher returns up to 8%). Invest every month 20-30-40 thousand(your choice) and distribute it into (one Nifty 50,one Nifty next 50, one flexi cap, 2 small cap funds and two 2 mid cap funds). Also if you can find any good long term stock, you can invest in them as well. And as you mentioned it is for you kids, you can create a zerodha / Demat account for minors (I did it for my daughter) and I am transferring shares, ETFs and Mutual funds to my daughter account every month / Once in a while. please reach out to collabwithchandu@gmail.com for any other detailed information.

@SairamV17 18 күн бұрын

@@PersonalFinancebyChandu thank you sir for the suggestion 😀👏🏻

@gowthammodepalli7858 9 күн бұрын

30 to 40 present max undali loans. Then life will be peaceful

@PSKR36 24 күн бұрын

Ataniki migiledi 8k unte next month nundi 15k ela invest chestadandi..

@PersonalFinancebyChandu 24 күн бұрын

Next month tho , his personal loan will be completed. 10-12 thousand EMI free avutundi.

@PSKR36 24 күн бұрын

@@PersonalFinancebyChandu makes sense

@NeerajRaghavendra 13 күн бұрын

@haneesh_India_uk 7 күн бұрын

Government should develop good government schools and hospitals in cities other wise people will suffer a lot in coming years .. every one sell their properties for children study and hospitals …ask government develop gov schools and hospitals …

@trendingchicha5323 3 күн бұрын

Reality lo 50 years 60 years erojullo work cheyyadam kastam . Sip 25 years plan anedhi worst plan . Chuddaniki returns bane untai kani manam 50 years varaku idhe job idhe salary undatam kastam

@PersonalFinancebyChandu 3 күн бұрын

I have seen people who did investments for long term. I know responsibility increases over time. But who ever does it consistently will have very good wealth.

@trendingchicha5323 3 күн бұрын

@@PersonalFinancebyChandu whatever you said is correct sir kani entha mandhi 25 30 years cheyyagalaru anedhi imp ikkada. 31 vallaki inko 30 ante impossible .we should encourage people to increase sip and retire early . 25 years mind lo unte antha easy anipisthundhi. Kani andaru 50 years job cheyadam kastam

@PersonalFinancebyChandu 3 күн бұрын

@@trendingchicha5323 agree. The earlier and higher the amount we invest, the earlier we can retire.

@santhosh-wl1oo 2 сағат бұрын

Nee dgara unaa 50 lacks cash tho second apartment macnhhi vasthundhii 30 years work cheyali bank kosamm

@bhushaiahvuppathala5279 16 күн бұрын

Invest in share market brooo....u can easily get money huge....

@PersonalFinancebyChandu 16 күн бұрын

He started investing in mutual funds. I have set his SIPs and he invested some amount in stocks as well. Thanks Stay invested

@kprlandtechnologies5641 Ай бұрын

Chandu why you are taking people from scratch in investments Take the people who are in middle of investments or take the people who are in fully investments Waste of time you educate the scratch content Moral --you giving same moral for every video for every different stories Thanks Bk

@PersonalFinancebyChandu Ай бұрын

Sure . In the first three episodes, people started their investment journey. It will add value to their family in long term. But going forward, will include mix of people. If you are interested, please fill the form to participate in salary secrets.

@kprlandtechnologies5641 29 күн бұрын

Sorry Chandu I live outside of India , am in advance level of investment

@sureshbabu8290 18 күн бұрын

Midilclass valla kosam ideas chepandi sir

@PersonalFinancebyChandu 17 күн бұрын

My only suggestion. Plan your salary, start investing. As little as possible. Even 500 rs tho investment start chesina long term lo wealth create avutundi

@FirstNameLastName-lo6dg 12 күн бұрын

Don't invest in realestate. Realestate in India is a bubble going to brust anytime.

@vinaykumarmiryala6082 8 күн бұрын

@@PersonalFinancebyChandu can you make one video bro… on how to invest in US MF / Shares . And how much returns we can expect? Full detailed video please. And if possible.. how to invest in startup companies ? Like: angel investors Deni meda kuda one video please Thank you

@PersonalFinancebyChandu 8 күн бұрын

@@vinaykumarmiryala6082 you can easily invest in Nasdaq by taking a mutual fund . If you want to invest in US stocks, you can do it in IND Money. I will do video in a few weeks

@user1994gms 24 күн бұрын

You’re suggesting 5 sips with 15k pm which is wrong approach He needs to save as emergency expenses Nifty lo invest ani evadaina cheptadu which is wrong Worst suggestions istunaru meru Generic cases will not applicable for everyone

@user1994gms 24 күн бұрын

School fee undi ani kuda u r asking to invest 80% of his remaining savings i.e, 15k Wrong approach First he need to work on increasing the income That’s the only way

@PersonalFinancebyChandu 24 күн бұрын

Hello . Thank you for your inputs. I did suggest a variety of mutual funds to Swaroop (Nifty, Nifty Next 50, Flexi cap, Two small cap funds and two mid cap funds) along with fund names after thorough analysis . He is going to start his investment journey soon. Btw, His emergency fund is set in his Wife's account (Couldn't include it in video due to Audio/Video issues). Also on 15k investment(80%), He still have 5 years before his daughter joins any school. Always invest first and then spend the rest. When he invests 15k in a month, he is going to cutdown some expenses in Eating out, Shopping and others. I am really happy to see financial awareness.

@pkumar0610 15 күн бұрын

Bhayya.. Last lo police ani cheppav chudu.. Adi mundu cheppuntey.. Inka bagaundedi

@alapatik 16 күн бұрын

6.4 interest rate eppudu undi?

@PersonalFinancebyChandu 16 күн бұрын

Home loans are close to 6.6% in year 2021 December .

@haritejareddy5141 10 күн бұрын

Ee generation valliki minimum financial knowledge ledu.......mana thatalu ee baga dacharu and double chesaru...vallini adigi telsukondi ela invest chiyalo.... valki vunnaru 4,5 pillalu vallini kuda chadivincharu...gold 🪙 konnaru..land konnaru... financial knowledge less generation denki paniki rakunda potunnaru vellu.... diying in lons loop 😢

@gowthammodepalli7858 9 күн бұрын

Vallu education ki spend cheyaledhu. You can also save if you send your kids to government schook

@haritejareddy5141 5 күн бұрын

@@gowthammodepalli7858 private schools fee entha vuntundhi maha ante 1.5-2 per year.....vellu sampadistundhi 35 - 40 lpa mari vellu entha chigalaru

@hemanthkumarallam3894 15 күн бұрын

Pure Copay of Fix your Finace with Anshuman hindi channel....but not up to that mark. still needs more technicalities in finance. Try to watch fix your finance with Anshuma.... then you will know how to advice.

@bmbharathh 14 күн бұрын

That anshuman guy copied from English show,doesn't matter as long as it's informative!!

@PersonalFinancebyChandu 14 күн бұрын

Anushman ,Sharan and Warriko are the leading influencers and I agree I took inspiration from them. I want it to reach more telugu people. I also concentrate on personal finance , Stock market and Mutual fund analysis concepts as well.

@subha2053 3 күн бұрын

I think his wife is also working employee

@PersonalFinancebyChandu 3 күн бұрын

Nope. She used to work before marriage and she is not working after Marriage. Means from 3 years she is House maker.

@monangipavan 24 күн бұрын

SS kanna mutual funds lo veyyadam chala melu

@PersonalFinancebyChandu 24 күн бұрын

Return percentage lo mutual fund better. But Sukanya Samruddi lo money veseste , money maturity varaku withdraw cheyyalem. But MF lo easy ga tiseyachhu

@ssk6494 12 күн бұрын

Brother.. mutual funds lo 12 percent per annum ante per month 1 percent growth kadaa it's small bro ..i have invested in sbi small cap gave me return more than near about 40 percent in 1 year @@PersonalFinancebyChandu

@ssk6494 12 күн бұрын

@@PersonalFinancebyChandubut anni Mutual funds alaa ivvavu kadaa 12 percent

@PersonalFinancebyChandu 12 күн бұрын

@@ssk6494 Minimum we can expect 12% if you invest in good mutual fund. Do proper analysis before taking a mutual fund

@udaykrishna365 24 күн бұрын

Anna Nannu interview cheyandi

@PersonalFinancebyChandu 24 күн бұрын

Please fill the form Uday for participating in Salary Secrets. We will reach out to you forms.gle/CnwHcWPRfBhLBqvH7

@udaykrishna365 24 күн бұрын

Done👍 @@PersonalFinancebyChandu

@raipramodkumar7989 6 күн бұрын

😂😂😂😂😂

@harishkd1 Ай бұрын

Seems like his wife is also working he didn’t reveal ? ?

@PersonalFinancebyChandu Ай бұрын

No. She used to work before marriage and she is not working now. I have met her and spoke for sometime. Swaroop is making his best efforts to control the expenses and he need a way forward in the financial markets.

@NeerajRaghavendra 13 күн бұрын

@birkurraghav7568 5 күн бұрын

Telugu anshuman sharma

@Madmax1337x 14 күн бұрын

Chala mandiki guide chese valu leka career begining lo mistake chestunaru

@PersonalFinancebyChandu 14 күн бұрын

Yes. I agree. I want everyone to take term insurance, health insurance in the beginning of career. Also starting investment is very important

@naturalfood783 3 күн бұрын

Left health expenses

@PersonalFinancebyChandu 3 күн бұрын

Oops

@manojreddy5901 14 күн бұрын

Sir please contact Canara Bank nearest branch you will get at 8.4 percent .you can save apprx 80000 per year

@PersonalFinancebyChandu 14 күн бұрын

He mentioned he is reaching out to his bank for the loan interest reduction. But I will convey the Canara bank info to Swaroop

@msg-qj4bs 15 күн бұрын

సాఫ్ట్వేర్. ఎవ్వడినా ఎంజాయ్ ఎంజాయ్ sat, sunday, girls tho extraas, pub, foreign tours,.. మీకేంద్రా anthaa kinda meeda, బలిసింవాళ్ళు

@PersonalFinancebyChandu 15 күн бұрын

Please dont make degrading comments.

@sainath4277 13 күн бұрын

Why don't you join and enjoy? Then you know how much enjoyment and struggle is there in any fields

@PersonalFinancebyChandu 13 күн бұрын

It is not as easy as it looks. There will be 12-15 hours of work every day with lot of deadlines and targets. There will be lot of mental pressure for a software people.

@primetube863 Күн бұрын

Life long emi 😭😭

@rameshs8811 25 күн бұрын

30years tenure....nuvvu goppodivara bujji

@PersonalFinancebyChandu 25 күн бұрын

He can reduce his tenure from 30 years to 15 years by repaying from real-estate returns. Taking 30 years is a strategy he took because he can generate 20-25% returns from real estate and his home loan interest is 9% only.

@girishgold9226 24 күн бұрын

@@PersonalFinancebyChandu which bank did he take home loan?

@NeerajRaghavendra 13 күн бұрын

@PersonalFinancebyChandu 13 күн бұрын

He might have other source of passive income but I saw their house. I spoke with his wife. I even saw his payslips. As I have mentioned in previous comments, he has very good family support.

@NeerajRaghavendra 13 күн бұрын

If he has passive income from his other investments , that should not be ethical to hide such info to your audiences sir.

@yugandharuvteki4937 7 күн бұрын

😂😂

@yugandharuvteki4937 7 күн бұрын

Vedi job poteee fask.....

@lakkireddyvijayabhaskarred9740 13 күн бұрын

How can I contact you chandu

@PersonalFinancebyChandu 13 күн бұрын

Please send email at collabwithchandu@gmail.com or DM me in instagram at instagram.com/personalfinancebychandu

@cvragrochemicals 19 күн бұрын

mundhu nenu high lo vundali rents ki antha pettamakandi farming land buy cheyandi for future thokkalo flats kis 1.5 crorw sudha waste

@KiranKumar-ko2dq 15 күн бұрын

Manchi farm lands details bro

@cvragrochemicals 15 күн бұрын

@@KiranKumar-ko2dq baya mi area lo oka 1/2 acre konukondi ipudu vijayawada amaravthi orr plan already vundhi orr lopala ekadaina konukondi future kosam manchi high lo vuntaru itu vuyyru ivathala kankipadu paina atu guntur jilla kaza tolgate deggara na idea