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Salary बढ़ रही है लेकिन savings नहीं बढ़ रही? इस वीडियो में जानिए सही financial planning का तरीका—50-30-20 rule कितना practical है, salary आते ही पहला step क्या होना चाहिए, SIP vs index fund में क्या चुनें, और कैसे बनाएं strong emergency fund. Beginners के लिए simple strategy, asset allocation और long-term wealth creation के smart tips भी शामिल हैं. अगर पैसा बचाना और बढ़ाना चाहते हैं, ये वीडियो आपके लिए है.
#SavingTips #MoneyManagement #PersonalFinance #Investing #SIP #IndexFund #WealthCreation #EmergencyFund

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Transcript
00:00Sir, there is a rule in which we should check the funds in which way we should check the funds?
00:06Yes, I have told you that in the start of the year, you will not have a concentration in which
00:14you don't have a concentration in the small cap.
00:16In the small cap, there are more than in the mid-cap.
00:20In the mid-cap and small cap, you will not have a concentration in the start of the year.
00:24So, there are two things.
00:26One is a large cap, or a large cap, or a large cap.
00:31The other is a fancy cap.
00:33I have told you that the fund manager knows that the mid-cap and small cap can be added.
00:41The other thing is that in the last year, gold and silver were very good.
00:47They were very good.
00:50In the small cap, there were many investors who missed all this.
00:53He said, we didn't have a portfolio.
00:54It was not a fund.
00:55We can see that every asset has a cycle.
01:00Sometimes it is a cycle.
01:02Sometimes it is a cycle.
01:05So, if you have portfolio, a fund is a fund that is not a fund that is in the first
01:10class.
01:10classes.
01:14Yeah.
01:19Yeah.
01:22Yeah.
01:23Yeah.
01:32Yeah.
01:35Yeah.
01:37Yeah.
01:38Yeah.
01:41Yeah.
01:41so you can keep a little debt in which way you can divide and invest in your money.
01:47Sir, if you are talking about gold, I also ask you about gold.
01:51Generally, when we were talking about it,
01:54it happened that it was 15-20% of the allocation of gold,
01:57and 5-10% of the return was very good.
02:01But gold and silver will come in this stagnant take point,
02:05and after that, the volatility came in the market,
02:08as many people have seen the returns of gold,
02:12all started in panic mode.
02:14In an ideal portfolio of the allocation of gold,
02:19or if you look at silver,
02:22how much should it be?
02:23These are 5-10% of the return,
02:25or 15-20% of the allocation of the ideal allocation?
02:30First of all, it is necessary,
02:32that in silver, the volatility of gold,
02:34is not going to be in the market.
02:36It is the same thing.
02:40In this case,
02:40I saw that we have realized that
02:41we don't think that the dollar is the interest of silver,
02:42but we have seen that.
02:44We have seen that 4-20-1000 per kg.
02:47It is the price of the net.
02:50It is the price of gold,
02:54the price of gold is the price.
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04:03is gold. So, you should have 20% total portfolio of your total portfolio of your total portfolio.
04:10Sir, I am saying that Silver has given a lot of money to this matter.
04:14The amount of money was raised, the amount of money was raised.
04:16But, Sir, now gold or real estate? Because in real estate, there is a lot of crazy crazy in real
04:23estate.
04:23And in real estate, which is the amount of money, land and buildings,
04:28the amount of money that you have to buy in real estate?
04:34In real estate, there is a different class.
04:38The first thing is that you need to make money.
04:40If you don't want to make money, you don't want to make money.
04:44If you don't want to make money, you want to make money, you want to make money.
04:47You can buy a 500,000, you can buy a 500,000.
04:52You can't do anything.
05:21Exactly.
05:27foreign
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05:38I don't know if you want to invest in real estate, but you can see that people don't want to
05:46invest in real estate because they don't want to invest in real estate.
05:51is not the thing.
05:51I think that you should be able to live a house.
05:56When you have a house, you should be able to live a house.
06:02I think that you should be able to live a house.
06:08Real estate is very good.
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06:36The multi asset allocation fund which is now a gold, silver, equity, debt,
06:42and that you cannot invest in the market.
06:46If you need to tell your own real estate,
06:50then you cannot invest in the market,
06:54or if you are smart,
06:57you can invest in REITS,
06:59which can be small amounts.
07:02But if you can increase,
07:03if you have to invest in the market,
07:05I don't have a good investment in my opinion.
07:11Sir, the last question.
07:13When we are discussing all this,
07:15we will certainly understand that we will go to this index fund.
07:19We will keep a portfolio in gold.
07:22If we are going through this rule,
07:25we will probably be better than financial planning.
07:27But then,
07:28the top three financial tips
07:30which are coming from Pankat Sar,
07:33we will continue to improve the financial portfolio.
07:37We will also improve the inflation and the bazaar.
07:44The first thing is that,
07:45the inflation will be fixed.
07:47People say that,
07:49after 20 years,
07:50we will have to go to this.
07:52If there will be 6% of the money,
07:54then you will have to go to this.
07:57So,
07:57that should require inflation.
08:00First of all,
08:03you must have to take the investment
08:03of the investment,
08:04so if you don't know
08:06about the government for the investment,
08:07you will have to take the investment and invest.
08:20If you don't expect anything to happen,
08:22you will focus on this.
08:22Average is the capital,
08:22it is important asset allocation.
08:23foreign
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08:45You are a है आपको करना है पॉट-फोलियो और एक लास चीज जब मैं बात कर रहा हूं की
08:51यह बहुत इंपोर्टनियर लेकिन अगर आपका बोर शॉट करना है तुछ दूर है तो अगर अगर सोचते हैं नहीं होता
09:05है
09:16foreign
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09:56Thank you very much.
10:00Thank you so much for joining us, Pankar Ji, because there are a lot of new people who are starting
10:07jobs,
10:08who are starting jobs, who will be in a job, but we don't understand how much money is in the
10:11business,
10:12how much money is in the mutual fund, how much money is in the mutual fund, so not to buy
10:16or not to buy.
10:17We have put all these questions here and you have addressed which way you have.
10:22Thank you very much.
10:24Thank you very much.
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