Retirement - Back to Basics 2 - E 14

OUR FIRST Q&A ! Multiple Topics! - E 17

On this episode we cover: - Plenty of medical insurance questions: a. carry forward/no claim bonues/ group vs indiv policies etc. b. If you have a corporate job, you must get this insurance! c. Pattu tells us which insurance he has, and how much it costs d. Family floater vs Family individual covers e. Waiting periods for new conditions in existing policies f. Group medical cover for various groups of people - Real Estate a. Should I use my corpus for a down payment or maximise my EMI? b. EMI benchmarks that you should not cross c. Networth should not be touched ! - How long should one track monthly expenses for ?? What is better - underestimating expenses or overestimating? - A touch life situation of a 29 year old listener of ours why term insurance and medical insurance can be denied how to invest in this case - How to begin investing late in life ?! (40 years + ) Pattu recommends reaching out to a RIA, and how to Regret is a waste of time How to gain confidence in this situation How RIAs charge you over the years

INVESTING FOR CHILDREN - PART 2 - When do our responsibilities end? - E 16

On this episode we cover: - mistakes made on planning calculators - Pattu reveals another Golden thumbrule ! - Products that Pattu recommends for Parents - Who is Sukanya Samriddhi for? And some details - Investing for marriage of your child - Resposibility towards Undergrad vs Postgrad- Does spending on your kids take precedence over your retirement fund? (And when to say no) - Premium waiver benefit in case of your death - The married women property act of 1874 and how it affects term insurance - What happens to home loans when you die? - Different approaches to beginning investing: a. If your child isn't born yet b. If your child is 3-4 yrs old c. If your child is already 10-12 + - Pattu's amazing book - Chinchu gets a superpower - At what stage do you let kids control their own money? - Pattu's thoughts on pocket money

INVESTING FOR CHILDREN - PART 1 - Having 1 kid vs having 2 kids ! - E 15

On this episode we cover: - mistakes made on planning calculators - Pattu reveals another Golden thumbrule ! - Products that Pattu recommends for Parents - Who is Sukanya Samriddhi for? And some details - Investing for marriage of your child - Resposibility towards Undergrad vs Postgrad- Does spending on your kids take precedence over your retirement fund? (And when to say no) - Premium waiver benefit in case of your death - The married women property act of 1874 and how it affects term insurance - What happens to home loans when you die? - Different approaches to beginning investing: a. If your child isn't born yet b. If your child is 3-4 yrs old c. If your child is already 10-12 + - Pattu's amazing book - Chinchu gets a superpower - At what stage do you let kids control their own money? - Pattu's thoughts on pocket money

Retirement - Back to Basics 2 - E 14

On this episode we cover: - How does one balance the pressure to invest for tomorrow and the desire to enjoy today? - Delayed gratification - Once priorities are in place, balance falls into place - What do you really want to do when you are retired? No vague answers please! - The elderly who are active are much healthier than those that aren't! - Sid asks Pattu what he imagines his retirement will be like - Pension plans that you can buy as soon as you retire - RBI bonds and why they work well - The Debt - Equity split for a 25 year old today - Emotional logic ! And how it helps you to look at Equity - What should the Debt - Equity split become at the age of retirement? - Risky investors : ask yourself WHEN you are going to De-Risk ?! - We take a listener's question about investing for their kid's education - To-be parents: Before having a child you should be able to ______ !

Retirement - Back to Basics 1 - E 13

On this episode we cover: - How do we imagine what our lives will when we are retired? Time for some visualisation - Pattu then dives into the basic How Tos of retirement investing - Retirement is NOT about a pension - Inflation - Sid asks for benchmarks to aim for as a retirement corpus (city wise) - Pattu gives us the formula for investment, and how to execute it TODAY! - But then Sid is not satisfied with it, so Pattu further breaks it down and explains scale, scale for geography and scale for phase of life - Traditional investment calculations have 30 yrs of retirement. What if you outlive that calculation ?! Does the money run out? - Bonus, Pay rise, Change of jobs with higher salary? Time to look at yourself in the mirror!