tag:blogger.com,1999:blog-2812804062113061257.post2205358275616062389..comments2023-06-16T20:16:54.053+05:30Comments on INVESTMENT IDEAS!: IS 1 CRORE ENOUGH TO RETIRE ON?Mahendra Naikhttp://www.blogger.com/profile/01662641723413347693noreply@blogger.comBlogger13125tag:blogger.com,1999:blog-2812804062113061257.post-90819569838282633462012-12-09T01:14:04.298+05:302012-12-09T01:14:04.298+05:30Do not be overly concerned with retirement.Do not be overly concerned with retirement.VALUE STOCKS UNDER TWO DOLLARShttp://www.manhattancalumet.comnoreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-75537212224487818952011-12-29T10:11:30.757+05:302011-12-29T10:11:30.757+05:30AMAZING! Great post! Thank you for sharing with us...AMAZING! Great post! Thank you for sharing with us!Commodity Tipshttp://commodity-tips-mcx.blogspot.com/noreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-18692326582475570372011-11-04T03:52:30.370+05:302011-11-04T03:52:30.370+05:30Absolutely agree. I think it will be difficult to...Absolutely agree. I think it will be difficult to retire on 1 crore, unless you are willing to leave extremely frugallyburntouthttp://www.retireearlyinindia.blogspot.comnoreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-68991307257428208642011-10-22T06:04:18.944+05:302011-10-22T06:04:18.944+05:30Todays one crore will be worth one third of it'...Todays one crore will be worth one third of it's value in twenty years. Our lives are ridden by mismanagement of the State and global manipulation.The correct answer is the state should have a pension fund where everyone contributes.Which corrects for dearness. Finally it is the state which has to hold the inflation down and it invariablly messes it up. Almost Every Government is failing on Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-3574092030548435532010-10-17T09:25:33.017+05:302010-10-17T09:25:33.017+05:30I dont think so!I dont think so!Investologichttp://www.investologic.comnoreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-66418438330533683142009-12-24T18:44:28.862+05:302009-12-24T18:44:28.862+05:30Cool post you got here. It would be great to read ...Cool post you got here. It would be great to read more about that matter. Thanks for posting that info.<br />Sexy Lady<br /><a href="http://blog.baccaratgirls.com/" rel="nofollow">Girls for companionship in London</a>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-40492546092167701192008-09-30T10:05:00.000+05:302008-09-30T10:05:00.000+05:30Hi Ninad,You have pointed out an important fact wh...Hi Ninad,<BR/><BR/>You have pointed out an important fact which I had not taken into account, about children's marriage etc. This would skew the picture even further, demonstrating that 1 crore is not as much as it sounds.<BR/><BR/>Regards<BR/><BR/>MahendraMahendra Naikhttps://www.blogger.com/profile/01662641723413347693noreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-64727531223742120132008-09-29T22:43:00.000+05:302008-09-29T22:43:00.000+05:30@Rohit I understand that making 15% in a year not ...@Rohit <BR/><BR/>I understand that making 15% in a year not easy , but i was considering investment for long term in Equity which can most probably give returns of 15% or around 14% .<BR/><BR/>Manish Chauhan<BR/>Bangalore<BR/>http://finance-and-investing.blogspot.com/Manish Chauhanhttps://www.blogger.com/profile/02521133110428729048noreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-9110782397756793392008-09-28T09:13:00.000+05:302008-09-28T09:13:00.000+05:30Hi Mahendra There are some cultural issues that ar...Hi Mahendra <BR/><BR/>There are some cultural issues that are in play in India. <BR/><BR/>Unlike in the West in India we take responsibility of our childrens eductaion, marriage etc and by default tend to leave porperty behind for the children. <BR/><BR/>Property is the biggest asset in the balance sheet that most people tend to build in a lifetime and Indian's dont look at living off home equityNinad Kunderhttps://www.blogger.com/profile/14275940021296930028noreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-7347839923456969692008-09-26T09:50:00.000+05:302008-09-26T09:50:00.000+05:30Hi Rohit,This is precisely what I'm trying to conv...Hi Rohit,<BR/><BR/>This is precisely what I'm trying to convey. My interaction with people reveals that Rs.1 crore is generally considered the ball park figure when one talks about retirement. It gives investors the impression that it will generate Rs.12 lakhs of income per annum. I'm trying to show that certain other factors need to be accounted for in estimating a corpus. I'm aware that 4 % is Mahendra Naikhttps://www.blogger.com/profile/01662641723413347693noreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-90335449794722054052008-09-26T01:27:00.000+05:302008-09-26T01:27:00.000+05:30manishmaking 15% per annum is not easy. The only o...manish<BR/>making 15% per annum is not easy. The only option is to do via equity. however equity returns are lumpy ..you could make 30% in a year or lose 30%. so a 12% or lesser return would be a good assumption.<BR/><BR/>mahendra<BR/>a good rule of thumb used by financial planners is 4% of capital can be spent. that keeps the principal protect from inflation. so for 1 crore it is around 4 lacs .Rohit Chauhanhttps://www.blogger.com/profile/00356455735241398199noreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-39165891418167144502008-09-25T10:15:00.000+05:302008-09-25T10:15:00.000+05:30Hi Manish,Your argument is quite valid, however my...Hi Manish,<BR/><BR/>Your argument is quite valid, however my logic behind the assumptions are as follows.<BR/><BR/>1. Since the investor is dependent on returns from his investment to finance his lifestyle expenses, he cannot afford to put all of it in equity. He has to have a mix of debt to provide him regular income & equity to provide the growth. Also returns are post taxes. Therefore I Mahendra Naikhttps://www.blogger.com/profile/01662641723413347693noreply@blogger.comtag:blogger.com,1999:blog-2812804062113061257.post-81569070847606762532008-09-25T01:21:00.000+05:302008-09-25T01:21:00.000+05:30Hi Dont you think You should consider more than 15...Hi <BR/><BR/>Dont you think You should consider more than 15% return considering the investments are made for long term. The other assumption which i didnt like was 75k per month , I dont think an average person who needs 1 crore at the end will have that high expenses, One having 75k as monthly income will require more than 5-6 crore at the time of his retirement. <BR/><BR/>Just want to make Manish Chauhanhttps://www.blogger.com/profile/02521133110428729048noreply@blogger.com