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00:00Mr. X aged 25 wants to invest a some amount monthly up to his retirement at his age 55 plans to retire
00:11so as to get rupees 1 lakh per month pension
00:15the rate of interest being 12% per annum find the amount to be invested
00:27during the employment monthly investment
00:32this is one of the beautiful illustration to plan your retirement where the retirement life will be safer and enjoyable
00:40so now that you can use maximum financial management especially mutual funds share market insurance plan everything comes this way only
00:54so let me finish up this one current age 25 years and his retirement age will be 55 years
01:12he stops his pension at his age 100
01:16this is one of the 30 years
01:19this is one of the 45 years
01:22monthly in which I will convert everything into the month
01:26this is one of the 360 months
01:28this is one of the 12 months
01:30540 months
01:34I think so
01:35360 months
01:36or VLSNG invest
01:38540 months
01:40so
01:50I think so
01:52employment is it one lakh or less than one lakh or more than one lakh and what could be the
02:00good guess for you so guess right most of the students answered me the answer
02:16could be one lakh or seventy five thousand some some may deal with the one lakh twenty five thousand
02:23like let's see it again answer within papa mother the timeline drop under i just draw this as a timeline
02:32are the zero the period current situation
02:35that is what I have done now
02:39360 months
02:41one lakh or three sixty months
02:43three sixty months
02:45three sixty months
02:47pension retirement life
02:49that is what I have done now
02:51nine hundred months
02:53month in here in the three sixty one learn the appay start out the three sixty two
03:01okay nine hundred month to varikum what is the question is all about he wants to get one
03:09lack from after the retirement from from the date of retirement over maasamu or like shirva
03:15munnuthi aravatthi unnaavadu maasam munnuthi aravatthi rendavadu maasam such a way up to nine
03:21hundredth month he has to get one lakh what is the amount to be invested during his employment
03:31rate of interest being 12 percentage per annum idu monthly abing about the rate of interest being
03:38one percentage or 0.01 api no chiklam it has two component in the block le indian the masa masa
03:49varunana idu pension pension plan ikku masa masa or like shirva varunana unngulik munnuthi aravatthi
03:55avadu maasamu unngu kakayil yewola pana irukkuun kandu bidikin how much you need to have here so that you
04:01will be getting one lakh regularly api no chanaka inda araththi lewanda present value anti factor use
04:08panlaam idu vada iya present value anti factor use panlaam pv factor idu putting na you will be getting a
04:15sum amount here in the amount irrundthal unngulik masa masa or like shirva kakakyaam idu present value anti factor use
04:21panlaam ok api idu kore formula p api no chiklam ala s in a chiklam whatever the amount may be is equal to
04:31one lakh into rp into one plus i to the power n minus one divided by one plus i to the power n into i api
04:39unngulik famille karekuina amu kareku selam
05:01the amount required to be kept here is p into 1 plus i to the power n minus 1 divided by p into 1 plus i to the power n into i is the amount
05:15in the amount in the area 360th period in the area this will be recurring deposit factor okay that was the future value anti factor
05:29so it's a mixture of two anti factors one is present value anti factor next one is future value anti factor in that recurring deposit factor
05:37future value anti factor and pension present value anti factor okay in the value in the value in the value
05:47three no opinion a sinking fund amount required for asset replacement debt repayment in the amount to be in
05:53the fund required in the nth period is this much you know how much i have to invest in channel recurring
05:57deposit factor to ulta those sinking fund factor in a useful law so in that the number use ponder formula
06:01nana okay this value this value into i divided by 1 plus i to the power n minus 1 will be the answer
06:14either recurring deposit factor multiplied with what that value the value what you have is multiplied with
06:21with i divided by 1 plus i to the power n minus 1 so it's a summation of two formats one is future value
06:29anti factor and present value anti factor final answer is p into 1 plus i to the power n minus 1 divided by 1 plus i to the power
06:39n into i i divided by 1 plus i to the power n minus i divided by 4 i divided by 1 plus i to the power n minus 1 so p
06:53N minus 1.
06:56So P yinqeradhu namakku 1 lakh.
07:00Okay.
07:01Itu 1.01.
07:031 percentage to the power.
07:05Yethanamasa arukkangu?
07:074 540 men's.
07:10540 men's minus 1 divided by 1.05 to the power.
07:14540 into 0.01.
07:19Okay.
07:20Multiply it with.
07:220.01 divided by 1.01 to the power.
07:27N is 360 yi inge.
07:29In that second term kondi.
07:31In the term kondi.
07:32N on the 360.
07:34Apai itu N1 nukuklaan.
07:35N2 nukuklaan.
07:36Confuse aham arukkathuk minus 1.
07:38This is the answer.
07:40This is the answer.
07:43Come on.
07:44Get me the value for this.
07:46First of all.
07:46Ita moodha kandipipit inge.
07:48You need to depend on scientific calculator here.
07:51In the value kandipipit inge.
07:531.01 to the power 360 minus 1 is denominator.
07:57So 0.01 divided by this one.
07:590.01 divided by 35.95 minus 1 nukuklaan.
08:09In the value kandipipit inge.
08:10Okay.
08:1135.95.
08:14Enakku 5 or 6 digits we know.
08:179496.
08:199496.
08:229496.
08:23Innoiru print a digit.
08:254 or 5 digits in the better are.
08:264.
08:274.
08:281.
08:29Minus 1.
08:29So we got this value.
08:32In the value ola varudhu.
08:34This value.
08:36This value.
08:441 lakh int.
08:50In the value ola varudhu.
08:510.01 divided by 34.949641.
09:01So this value 0.01 divided by 34.949641.
09:10Okay.
09:120.01 divided by 34.949641.
09:17E'welo varudhu.
09:190.0002861.
09:25Okay.
09:271.2597.
09:31E'welo erikko pootdukirai.
09:34Numerator e'welo varudhu.
09:351.01 to the power 540.
09:372.1.
09:445469.
09:463.0.
09:47Minus 1.
09:48Divided by.
09:492.15.
09:500.5469.
09:530.01.
09:57E'welo or a 0.01.
09:58E'welo or a 0.01.
09:58E'welo or a 0.01.
10:00E'welo or a 0.01.
10:04Denominator e'welo varudhu.
10:05E'welo or a 0.01.
10:06E'welo or a 0.01.
10:06E'welo or a 0.01.
10:07E'welo or a 0.01.
10:08E'welo or a 0.01.
10:09E'welo or a 0.01.
10:10E'welo or a 0.01.
10:11E'welo or a 0.01.
10:12E'welo or a 0.01.
10:13E'welo or a 0.01.
10:14E'welo or a 0.01.
10:15E'welo or a 0.01.
10:16E'welo or a 0.01.
10:17E'welo or a 0.01.
10:18E'welo or a 0.01.
10:19E'welo or a 0.01.
10:20E'welo or a 0.01.
10:21E'welo or a 0.01.
10:22E'welo or a 0.01.
10:23E'welo or a 0.01.
10:24E'welo or a 0.01.
10:25214.54930
10:31divided by 2.15546930
10:3999.5371634
10:47into what?
10:501 lakh
10:51so
10:54the final answer will be
10:59into 1 lakh
11:01into
11:030.00028612597
11:112848
11:15per month to be invested
11:17during your employment so that
11:18at your retirement age you will be getting
11:211,000 rupees per month for
11:2245 years
11:23amazing
11:241 lakh rupees
11:27if the rate of interest being 12%
11:37of course
11:3712% is not possible
11:39but 5-6% is definitely
11:41possible
11:421 lakh rupees per month for you will be able to do retirement plan
11:44understand that the interest calculation whether you study and pass the examination or not if you understand this will secure your financial freedom also
11:531 lakh rupees per month for you will be able to do retirement plan
11:551 lakh rupees per month for you will be able to do retirement plan
11:571 lakh rupees per month for which year
11:591 lakh rupees per month for 2020
12:0112%
12:01you will need to sign
12:011 lakh rupees per month for new
12:09eitherende
12:09you may hear about heard about rider plans
12:13and of the three generation policy in solo
12:16in the
12:17you know we wrote a couple of the three
12:19you know
12:20you know
12:21you know
12:22after or 30-40 years for you know
12:25you know
12:26three generation policies and so on
12:28you know
12:29you know
12:30you know
12:32you know
12:341895 or whatever it may be you plan that you get
12:37retired from the world at 90th year
12:40but you want to give something to your generation
12:44you know
12:45you know
12:46you know
12:47you know
12:48you know
12:49up to his age
12:52up to seven generation
12:55seven generation
12:57you know
12:59okay
13:00generation generation
13:02you know
13:03you know
13:05yeah
13:07you know
13:08okay
13:09okay
13:11Working age in the amount generation generation of money.
13:20That is infinity period.
13:22In this period, infinity period is 1 lakh.
13:27Perpetual case annuity.
13:32I is equal to P by F.
13:36The amount required F is equal to P by small i.
13:41It is very simple.
13:43This is perfect.
13:45This is one lecture.
13:48What is I?
13:490.01
13:51What is I?
13:53100 lakhs.
13:56100 lakhs.
13:58100 lakhs.
13:59Where are you?
14:011 lakh into 99.53.
14:0599 lakhs.
14:0753 thousand.
14:09100 lakhs.
14:11100 into 1 lakhs.
14:121 crore.
14:13So, 1 crore is equal to 1 crore.
14:16If you have 1 crore is equal to 1 crore, you will have to be equal to 1 crore.
14:19You will have to be equal to 1 crore.
14:20You will have to be equal to 200 lakhs.
14:22This is the perfect case.
14:23This is how they will calculate.
14:24100 lakhs.
14:25100 lakhs.
14:25100 lakhs.
14:26This is rather than 99.
14:27If it is 100.
14:29Perpetuality is 100.
14:30100 into 1 lakhs.
14:32100 lakhs.
14:33Otherwise, 1 crore.
14:341 crore into this value will be 2,861.25.
14:39So, you are investing only 13 rupees extra for the perpetuity.
14:45The insurance policy holders.
14:48I hope you could now be surprised to see the
15:17magnitude of difference to get the one
15:21lakh for generation after generation is
15:23only 13 rupees per month you have to
15:25invest during your employment okay
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