TCS. Even if you upskill its through elevate path and you et 7.51 at your exp level.

TCS TCS TCS TCS 🤩🤩🤩🤩🤩

The salary is similar to what I used to make in 2005 (with 2 years of experience). I am surprised that salaries haven’t changed much in the last 19 years

@bkcy18

6 ай бұрын

There are companies that pay better than that in this economy. You just need to look for them and be skilled enough to make it.

@Blitz270

6 ай бұрын

What are you making as of now, curious to know about how much growth we get in IT companies?

@shenoysainath

6 ай бұрын

@@Blitz270 no longer in India, so doesn’t apply

@Gyaan_paapi

6 ай бұрын

​​@@Blitz270 I started with 3.36 lpa in 2018. After 5.5 years & 2 Switches currently I am at 13.43 in my hometown & I am not an an extraordinary performer or anything, I am always above average. I am planning for the next switch in 2024. Let's see. Hope it gives you an idea. 👍🏽

@Blitz270

6 ай бұрын

@@Gyaan_paapi great bro..🤌🎯

Anshuman is either didn't get sleep for 4 straight days or high on something way too good 😁

@muktharmuhammedmukthar2662

6 ай бұрын

😂😂

@pulkitsareen3709

6 ай бұрын

😂😂😂

@anshumanfinance

6 ай бұрын

Insomnia gang, where you at?

@anirudh5484

6 ай бұрын

I think Anshuman has fixed his diet. He is getting slim.

@phoenixawasthi5652

6 ай бұрын

@@muktharmuhammedmukthar2662 😂😂

Blows my mind that educated people don't have any idea of finances.

This kid is highly privileged, He should be a little relaxed, his father has done the job for him. One generation has already built the asset, this kid can be more aspirational. Unlike who has to build from scratch.

Pre Payment Charges are only for fixed interest. Usually home loans are flexible Interest, which doesn’t attract any pre payment charges.

guy is earning 3.50 lacs and working for 2 years ....he made 14 lacs from his investment and has another 2.50 lacs in mutual fund for payment ....what kind of conversation is this ...

@Rohith_Chandrasekar

6 ай бұрын

Suggest, you watch the video again

@_radON

6 ай бұрын

saying is to first watch then comment. he never said that 14lacs was paid by him. Just the 2.5L in MF is what first slab payment he will do and the remaining 10-11 lakh has to be paid after 2-3 yrs for which he will save as much possible.

Seems to be a well focused guy...but his friends misguided him into buying a house totally not worth it...these loans are wealth killers when ur not able to afford it..Good Episode.

I have just come to Mumbai for my internship and this video is what i needed

Correction - The taxation figures mentioned for debt mutual funds at 12:27 are incorrect. From 1st April, any capital gains earned on investments made in debt funds on or after 1 April 2023, will be considered as short-term capital gains and added to the investor’s income and taxed at the applicable income tax slab rates, regardless of the investment holding period.

@theoneandonlykash

6 ай бұрын

Please pin this comment

@MohitYadav-th7fz

6 ай бұрын

Bhai tum kya sirf Bade City me rahne wale Lakho per month Kamane walo ki hi Help karte ho kya..? Ya phir Chote city me rahne wale hazaro me kamane walo ki bhi help karte ho 😏

Its better to start with a 30 year loan and also start an SIP simultaneously in an index fund . The returns from index fund would be significantly higher compared to home loan rates. Once you have build enough corpus with the mutual fund, use that to pre pay the home loan.

@nishik810

6 ай бұрын

Yes. Average home loan tenure will reduce as he start to earn more and prepaying the loan. As he's upscalling himself which is right direction

@MithunDhar88

6 ай бұрын

Well said. Those who are against real estate doesn’t look into these options unfortunately..

@curiousindori

6 ай бұрын

One issue I have with this logic is that, home loan emi are a almost fixed expense. No matter what happens to the economy one has to pay 6-9% interest on that money. Whereas index fund returns are variable and very market dependent. So this strategy has a risk of over leveraging oneself and ends up losing a lot of money in interest. Another issue with this strategy occurs if someone does not invest regularly or stops the sip because they feel the market is at an all time high. But then does not start the sip again at a later point. The extra cash remains in the bank account rotting away. Strategy looks good on an excel but can have very real execution challenges.

@noneedofname

6 ай бұрын

When you're influenced by finflunecers too much 😂

@ayushsam12

6 ай бұрын

bro don't start sip start a booster sip

This person used to spend ₹14,000 to go to the office via car while earning ₹30,000. God bless him. I just wonder where this spending behavior will go as he starts earning more. Not even God can help him.

@whatever3041

5 ай бұрын

Look at his house, the sofasets, etc, all very expensive. It means his parents are super rich so his salary is pretty much his pocket money.

Anshuman ,first of all take care of ur health . U should also visit small towns bcz savings in small places are more as compared to metros

I'm hoping to retire next year at 55. My goal this year is to be more serious and consistent with my investments I've been investing since I was 22. 2024 is going to be more serous for me investing consistently for the long term. starting to save for a house down payment. I want to invest more than $105k, but I'm not sure on how to mitigate risk

@Bradleyschaeffer376

6 ай бұрын

Best thing you can do to derisk is diversify.

@Seanmirrer

6 ай бұрын

Its unclear which stocks and sectors will lead the market in the next uptrend. It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.

@PennyBurdick318

6 ай бұрын

A good number of people discredit the effectiveness of financial advisors, but over the past 10years I've had a an advisor consistently restructure and diversify my portfolio/expenses and I've made over $3million in gains... might not be a lot but i find myself secure financially

@Rhgeyer278

6 ай бұрын

Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?

@PennyBurdick318

6 ай бұрын

Samuel Peter Descovich is the analyst that helps me. He has a large following and is easily found online. He has extensive understanding as I have made so much since following him.

Taxation on debt funds mentioned is totally wrong. Please rectify it !

When he said opd bhi hai , confirmed he is from TCS 🤫

you are doing really great work bhaiya really by heart

This boy finance is already fixed and done a fabulous decision.

There are zero pre-payment charges in public sector banks. Infact in my bank you can even close a personal loan (let alone a housing loan) within a week of taking it without incurring prepayment charges.

Discuss about inflation rate also

Nice share bhai

Is there any other's ways to grow salary staying in TCS other than On-site or TCS Digital? Thanks

@mk67890

6 ай бұрын

Switch kar lo

@kartikeyagupta1466

6 ай бұрын

Switch 😂

@Priya_412

5 ай бұрын

No way other than digital

Anshuman ji galat advice de rahe ho : on an average 15 to 18% ka gain aayega , and considering the market and election year it could be much higher even after exit load and tax payment he will be gaining more than normal bank account

Which health insurance is this? Opd wala?

biggest mistake to withdraw 20L from market and buy home abhi wo 40 to 50L hota

@nrupal_gtx_gamer9594

6 ай бұрын

Its parents money how can someone earning 3.5LPA generate such Corpus in mutual funds. Unless he picked some MULTIBAGGER stocks

@lifeisbeautiful4371

5 ай бұрын

Kuch bhi….he told the downpayment(14lakhs) is slab wise…he has paid a downpayment of 4lakhs until now and for next slab he is gonna withdraw 2.5lakhs from mutual fund not 20lakh!!

There is no prepayment charges in home loan as per rbi guidelines

Wages hasn't increased as much as cost of living. Vote for change in 2024.

if site value is 2000sqft for 30*40 in next 5 years what would be the value ?

Hi Anshuman.. Please explain more on inflation. How do we calculate the present scenario after 5-8 yrs in future... I need to plan for my daughters' marriage expenses. Upper middle class family.

@anshumanfinance

6 ай бұрын

Will take this up in the next set of videos or in my newsletter!

@vaishakhpv13393

5 ай бұрын

Your inflation adjust returns will be as per this formula. (1+ return) / (1+ inflation) -1

Been watching your videos & felt, especially of salary brackets 15L - 40L (Combined income) would be good to be reviewed as most of the IT professionals fall in this bracket! Thus, a lot can relate to the mistakes they commit & areas of correction/avoid commiting such.

@anshumanfinance

6 ай бұрын

Noted, next few videos will be relevant for you

Mumbai jaisi jagah me 4.2LPA is too low bro mtlb too much low Hamare Maa-baap ki savings ne hi Tier-3,4 sehar k logo ko bacha rkha hai warna to Tier 1-2 cities me bahut bure haal hain sb karz me dube hain

Bro works in TCS 😊

Hey Anshuman, are you okay? Your eyes don't look great. Please take some rest. Have a good amount of sleep.

The problem we have is because Most people always taught that " you only need a good job to become rich". These billionaires are operating on a whole other playbook that many don't even know exists.

bruh ceh is so much irrelevant now in terms of skills

i have SIPs in mutual funds which are running from 4 years. Now i want to withdraw the amount. but latest SIPs were invested last month only. Do i have to pay exit load and Tax deduction will be there? can i do partial withdrawl to avoid exit load and tax?

@jabneelmm3044

6 ай бұрын

The units bought after the exit load applicable tenure incur exit load. In your case the units you bought before 1 year won't incur any exit load. Partial withdrawal is totally possible. You can just withdraw 3 years of corpus and leave recent 1 year corpus invested.

Great sir

Anshuman please take care of your health and sleep 😅

@anshumanfinance - Great video, a quick question related to home loan. Option 1: Increase my home loan monthly EMI by 5000/- | Option 2: Make a pre-payment of 5000/- per month, keep EMI same. Which option benefits me more, considering there's no pre-payment penalty and someone is diligently willing to pre-pay every month without fail?

@shivkumarjha2224

5 ай бұрын

Better to pre-pay annually, as the pre payment reduces the principal amount that would reduce the total interest a lot. However, if you simply increase the emi, you'd still be paying mostly interest as a part of the emi.

WTF! I'm in cyber security from last 4 years, and you CAN'T expect a jump of 100% just by doing CEH. CEH is of practically no use its just another cert.

Why buy a house when you pay exorbitant interest for 30 years or 20 years..

Itna loan kis bank ne diya waise itni salary mai ????

@varuntarak1110

6 ай бұрын

I think his father is co applicant for the poan

Wooo we are paying 26000 to our worker I shop and food is over and even accommodation is over and one month sallery bonus on Diwali and he is just 5 class educated and he is after education in engineering is working in 30,000 ooo so sad to see him after so many year education and so much money spending still he is in this condition

Anirudh Bhai 😎🚀

CEH won't help him in getting 8 LPA at max you can go upto 6....then after some experience he can get more

I earn 40k a month in a small town in jk, looking at the daily expenses, I don't think I can afford a 1-2lakh bike, p.s I'm single and live with my parents.

His hpme doesnf look like 30k salary , so nice ambeince.. 😊

@AkashVerma-em1gk

6 ай бұрын

It's his father's house

@abhishek8243

6 ай бұрын

Parents house.

Bhai kidar khogeye the, dhund raha tha do haftoh se idhar se udhar. Finally video toh agai, but you are looking too tired bro. Have a good sleep 😴

Mujhe pata hai video mein kya hoga

Bro buy whatever you want and sell whatever you have if you want. Don't give financial advice to job holders. If there is no buyer then how will businessman sell products? 1 lakhs after 21 years of repeating business can become 1.28 cr. Starting a small business is not difficult for job holders. So people who don't have job can become rich only by business. If job holders engaged himself in both activities then there will be big problem.

Hello Anshuman, Big fan as always :) I hope your remember me :D Your video mentioned LTCG on debt funds (second point) as 10% tax rate on the amount exceeding 1 Lakh without indexation which I believe was never the case. I believe all debt funds or debt oriented mutual funds are taxed at investor's slab rates post 2023. Please look into this point and make the required corrections (if required). Keep up the great work.

Anshuman sir ....iam govt mbbs doctor have loan of 70lakhs. Becoz of father mistakes..... Iam unable to manage finance please help me

@awakennight2834

5 ай бұрын

Hmm, what is your monthly income?

Good that he purchased house at a very young age even though I won't do that. Closing the loan is not a big deal if he can increase his earnings soon.

anshuman sir, you are looking low on energy

@shubhojha1004

6 ай бұрын

Looking at his shirt i think cricket match dekhne jaa rha ya fir dekh ke aa rha and usi time ahoot hua ho i guess?

@anshumanfinance

6 ай бұрын

@@shubhojha1004 Shot this video after an intense workout! P.S. I took a shower and went :P

Bahut paise wale baap ka beta hai. Doesn't need to fix his finance. Dad will take care

Anshuman great interview with khali sir 😀

@mk67890

6 ай бұрын

Ok keyboard warrior 😂

He earn 3.5 lakhs, not in tax slab, he not to pay in any short term gain or long term gain taxes right now 😂

I don't know what you have gave him to fix his finances condition, he said 10cr wealth he want to build and said about his loan. At the end you haven't given any solution or tips. just wasted my time

Bro works in TCS

Why does his body looks huge compared to his face it looks like edited idk why is it so

HDFC 4%prepayment charges

He is working for TCS

This guy has huge hands 😮

@Rohith_Chandrasekar

6 ай бұрын

He himself is huge

@takahashilubale7936

5 ай бұрын

bc😂😂😂

Anshuman please stop giving financial advice to these guys who don't have financial knowledge. If they understand finance then money supply and flow in india will decline. Then we have to face big unemployment problem. If everyone cook for themselves then what will happen with hotels.

Ab aaya uat pahad ke niche 😅😂

He is working in tcs i think 😅

@kakashisenpai99

6 ай бұрын

Correct 😅

@nirus3265

6 ай бұрын

Why bro

One of the poorest MNC - TCS

3.36 tcs

Bhai yeh micky mouse walah background music hata de

Tcs me he bhai

Worst episode 😢

@luckyubale4795

6 ай бұрын

Why bro 😮

Wipro Wipro Wipro

living* - Surviving.

❤❤❤❤❤

TCS me job kaarta Hai bhai

He is definitely in TCS 😁

Advertising a company like Dream 11 goes against the creed of fix your finance. I feel sad about this.

@anshumanfinance

3 ай бұрын

when did we advertise Dream11?

@amitsuju

3 ай бұрын

Your tshirt says dream 11, does it not?

@anshumanfinance

3 ай бұрын

@@amitsuju bro that's the Indian cricket team's jersey

Pakka TCS🎉🎉🎉

Ayushman should also start fix you fitness. Ayushman raj kya hai fitness ka bhai ???

@BTomas-Blackheart

5 ай бұрын

Who the hell is Ayushman? Apne Khurana ji ka londa?

main bhi qliksense developer tha 3-4 lakh ki salary par kaun kaam karega

TCS hai bhai

Tabiyat kharab hai kya bhai?

Same India🇮🇳 shirts😂😂

Infosys

17:13 💀🏳‍🌈

@takahashilubale7936

5 ай бұрын

BC💀💀

Infosys guy spotted.

make more money

CEH is a beginner cert lol.

If u want to sleep then better sleep and then make the video.. No energy no interest in making the video.. Just for name sake you are making the video..

Around 7 mins time i lost hope 😂

Worst Episode so far. Privileged kid

TCS thing xD

Banda tcs ka hai

There are lot of advantages of having a home loan with maximum tenure ...it gives lot of flexibility....u can do prepayment anytime and preclose ...but if tenure is less then u cannot reduce your emi ... many ppl just talk to have short tenure and save interest but when u have intention and control on urself to close loan asap then go with max tenure .

@RaviSunMoon

6 ай бұрын

And sbi or Bob is best ....that is what I found after speaking to around 8-9 banks ...other non nationalized banks just try to suck.

Why you look sleepy in this video?

😢😢

Bro is from TCS😂😂

Bro....upgrade yourself too

bhai tu tcs mai h na 😂😂