🎯 Key points for quick navigation: 00:00:01 *🎤 Introduction and Session Details* - Personal finance Q&A session with announcements for similar future sessions. 00:02:00 *🗓️ Upcoming Mumbai Session* - Mumbai wealth management session details and booking link; logistical challenges noted. 00:03:10 *⏳ Session Format and Interaction* - Q&A session format explained; one question per message, slow mode for message flow. 00:04:08 *💸 Financial Independence and Term Insurance* - Term insurance may not be needed if financial goals are met with a margin of safety. 07:00 *🧮 Financial Goals and Insurance Needs* - Ensure all financial goals are met with a 20-25% margin of safety; then term insurance may be reconsidered. 08:08 *📈 Small Cap Investments and Profit Booking* - Profit booking in small-cap investments can be considered once goals are achieved; long-term horizon matters. 09:28 *🏦 Investment Horizon and Portfolio Allocation* - Long-term goals (7-10 years) should focus on large-cap, mid-cap, and multi-cap funds. 10:22 *🏥 Medical Insurance and Funds* - Maintain medical insurance and a separate medical fund; hybrid allocations can help cover premiums. 12:24 *📊 Retirement Corpus and Financial Independence* - Diversified equity portfolios are recommended for retirement instead of large AIF investments. 13:19 *📊 Diversified Equity Portfolios* - Use diversified equity funds for retirement; process-oriented planning is preferred over specific products. 14:00 *📅 Planning for Multiple Financial Goals* - Plan for all financial goals early, including education and major life events; seek help if needed. 15:05 *🏦 Portfolio Streamlining and Execution* - Consolidate portfolio and address tax implications; avoid outdated funds due to inertia. 16:01 *💸 Capital Gains Tax Considerations* - Understand capital gains tax impacts; market changes can affect tax burden. 19:07 *📈 Impact of Capital Gains Tax Increase* - Capital gains tax can compound over time; timely portfolio restructuring is crucial. 20:00 *⚠️ Risks of Portfolio Inertia* - Risks of ignoring portfolio restructuring; proactive management is key. 21:23 *📊 Importance of Proper Investment Planning* - Proper planning is essential; avoid random investment decisions. 23:08 *🛠️ Execution and Professional Help* - Execute financial plans effectively; professional guidance is beneficial for managing capital gains. 24:45 *🧾 Managing Tax Payments and Professional Help* - Efficiently manage taxes; understand the role of a CA in tax payments. 25:39 *💻 DIY vs. Professional Expertise* - DIY approaches have limitations; seek professional help for complex financial tasks. 27:13 *📉 Consequences of Inaction in Financial Planning* - Inaction can lead to missed opportunities and losses; timely execution is crucial. 29:33 *⏳ Importance of Timely Execution* - Execute plans promptly to avoid missed opportunities. 30:42 *📉 Risks of Market Timing* - Market timing can lead to losses; stick to planned investments. 31:47 *📅 Long-Term Investment Perspective* - Long-term thinking is crucial; avoid delaying investments. 32:28 *⚙️ Overcoming Procrastination* - Procrastination harms financial planning; act promptly on financial strategies. 34:16 *🏠 Financial Planning for Major Purchases* - Plan carefully for significant purchases; consider capital gains benefits. 35:10 *💼 Diversification and Wealth Creation* - Diversification is key; consult experts for personalized strategies. 37:00 *📊 Strategic Asset Allocation* - Reallocate funds based on goals; consult advisors for tailored advice. 38:01 *🔄 Managing Equity Withdrawals* - Reinvest withdrawn equity funds based on financial goals; avoid market timing. 39:31 *📚 General Personal Finance Advice* - Address broad finance questions; apply general principles to personal finance. 40:32 *🌍 Capital Gains Tax and Index Funds* - Capital gains tax impacts index funds; tax considerations vary by location. 41:52 *📈 Evaluating Investment Decisions* - Analyze surrendering LIC policies versus investing in growth portfolios. 45:01 *📊 Comprehensive Financial Planning* - Detailed planning for retirement; customize based on individual needs. 46:17 *📉 Planning for Different Ages* - Adjust asset allocation based on age and risk profile; consider long-term equity investments. 48:06 *📊 Process-Oriented Financial Planning* - Focus on process-oriented planning; product selection should follow a structured plan. 49:27 *📈 Equity Allocation Strategies* - Balance between small, mid, and large-cap funds; avoid speculation. 51:57 *📈 Market Cap and Future Predictions* - India's market cap may reach $10 trillion; factors contributing to growth compared to China. 56:17 *🏦 NPS and Aggressive Investment* - Aggressive NPS investment suitable for long-term horizon; maintain current strategies. 58:26 *🗓️ Session Booking and Future Plans* - Book for Mumbai session; details on upcoming Pune session. 59:13 *📊 ULIP vs Mutual Funds* - Compare ULIP with mutual funds; mutual funds might offer better returns. 01:00:12 *💼 Portfolio Management and Financial Planning* - Invest ₹30 lakhs from FD into mutual funds; link investments to goals. 01:03:15 *📈 Assessing Mutual Fund Performance* - Evaluate performance; compare mutual funds before making decisions. 01:05:48 *📊 Investment Strategy and Planning* - Strategic planning for financial goals; seek professional help for customized advice. 01:07:22 *📅 Next Session and Wrap-Up* - Wrap-up of current session; information on next session timing and registration. 01:08:47 💵 Emergency Fund Allocation - Emphasizes the importance of an easily accessible emergency fund and suggests savings accounts, FDs, or liquid funds. 01:10:03 📉 Managing Trend Investments - Advises on portfolio balance and periodic review of trend-driven investments. 01:10:47 📝 Financial Goal Allocation - Stresses the importance of balanced investments and regular financial goal reviews. 01:11:00 🔄 Evolving Financial Planning - Recommends regular financial plan revisions and systematic investments over market timing. 01:13:36 📉 Managing Investment Horizon - Suggests starting exit planning three years before goals and transitioning to fixed income for short-term needs. 01:15:25 📊 Asset Allocation Strategies - Provides guidelines for asset allocation based on risk profile and investment horizon. 01:16:31 ⚖ Asset Allocation Ratios - Emphasizes personalized asset allocation, balancing equity, real estate, gold, and liquid assets. 01:16:58 🏠 Asset Allocation for Conservative Investors - Recommends a conservative asset mix, with a focus on equity, real estate, and liquid assets. 01:17:47 💳 Managing Overdraft and Liquid Assets - Advises on maintaining liquidity and simplifying financial processes. 01:18:28 📈 Mutual Funds vs. Stocks - Highlights mutual funds as a better option for most investors due to professional management. 01:19:38 📅 Upcoming Events and Financial Planning - Announces the next Mumbai session and emphasizes structured financial planning. 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@hrishikeshkuyate9178
16 күн бұрын
Satsang : The real financial literacy ❤
@Rishu.Kumar.
16 күн бұрын
Really eye opner, very gud content today especially you had started comparing all indices is great
@narendrasinghnathawat3228
16 күн бұрын
Thank you for your guidance always 🙏🏻🙏🏻
@abafna89
16 күн бұрын
U are awesome sirji.. So much knowledge
@gouthampai5055
14 күн бұрын
Thank you parimal Sir
@kamleshpanwala7392
17 күн бұрын
It's fine
@fcaarchit
16 күн бұрын
Sir aapne hum CA logo ka pain bata diya. let me reveal sir most of the ITRs I file alomst everyone is booking FnO loss and they dont understand I tell them to listen to you.
@thetallandhandsome
15 күн бұрын
Passionate guy Parimal 😊
@maheshpatil7231
17 күн бұрын
I wanted to understand that when you are changing the allocation to particular fund or remove any of fund from portfolio then what should I do with that mutual fund? should I sell that particular fund and stop new investment or hold that fund (with no additional SIP) until my investment goals completion?
@prafultrivedi
17 күн бұрын
Acchi class li sir aapne aaj hamari. Agree yeh mistake hoti hai.. Seperately 4 cr ka aif at 30 yr dekh ke dub marne wali feeling aati hai.. aur ek doubt aata hai, Aisa investor ko KZitem ke videos dekhne ka time hai....
@mayankmishra1434
16 күн бұрын
Sir any plan for lucknow or agra for live session. Aap mumbai aur pune mehi session karte hai.
I am really said that everyday insurance people call me and tell me "Marke ke faide ginate hai insurance 😮💨policy bechne ke liye", Aisi koi insurance policy nahin hoti ki marna bhi na pade aur insurance lene ka faida bhi ho ? Zindagi jina hai marne ke liye insurance nahin karate jeene ke liye karate hai.
@yahyamerchant7088
15 күн бұрын
Mumbai session link not working?
@HellsAngel007
17 күн бұрын
❤
@HariprasadSmart
17 күн бұрын
I have a considerable amount of FD in my account, my bank manager is asking me to invest on a ICICIPRU Gold plan which is a lock in for 25yrs which is giving a CAGR of 5%, and he is saying will not promise but will get more than that What should I do?
@religionofpeace782
17 күн бұрын
Paagal ho kya...aise blunder kaun karta hai? FD ko todo..jitna emergency fund chahiye utna rakho baaki sab mutual funds me invest karo
@SPR632
17 күн бұрын
No
@shubhamgarg2927
17 күн бұрын
Ye to puchna b nhi chahiye FD hi kralo isse to lock in to khatarnak chiz h with this CAGR
@srik9061
17 күн бұрын
Bank manager will get commission, he will suggest anything where he gets bigger commission, he doesn't care about your well being but only his own.
@srik9061
17 күн бұрын
Hope your bank is top bank of India like SBI, and not some cooperation bank.... better to keep FD above 5 lakhs in top tier banks only
@anshashidharan8273
17 күн бұрын
More than 60% of tax filers are falling under ITR 1 with salary and ITR 2 with salary + basic Capital gains / Rental Income). So, unless the transactions are business / complex, the tax filing can be done by the individual himself. The IT rules for basic Sahaj So "do it yourself" should be encouraged when things are simple and does not need expert help.
@fcaarchit
16 күн бұрын
SIr thats like keep taking pills when you have fever. We CAs want people to file returns themselves but people dont know many deductions and ever changing laws. CAs save lacs for people who file DIY ITRs for years by simple looking. I tell people ki read tax for 10-15 years with each clause or just leave it to CA who read tax law 24 x 7
@mandark6762
15 күн бұрын
@@fcaarchit Agree..I was filing ITR on My own for 4-5 years. But from last 3 years I am going to CA. His suggestions are helpful. And I am saving few thousands for sure. Also peace of mind has no value.
@jayeshdholawala4540
15 күн бұрын
Parimalbhai aap olpad se hai
@arvindsikarwar7018
17 күн бұрын
I have 50 sh Dixon tech at level 4000 What should I do now
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