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00:00What do you need to do with your retirement? Is there any dividation factor?
00:08So, Praagati, this planning is very unique.
00:13Each family has different needs and wants.
00:17Each lifestyle is different.
00:19But definitely, in an individual's life cycle,
00:23Children's planning and personal retirement planning are two major goals
00:28which we start from the day we start our career.
00:32In fact, the child's planning is after marriage,
00:35but we always say that you will start your retirement.
00:40So, if you start your retirement,
00:43you will not start your retirement.
00:46If you start your retirement,
00:48you will not start your retirement.
00:50So, if you return your retirement,
00:53you will not start your retirement.
00:55So, you will also start your retirement.
01:00If you return your retirement to
01:13you will not start your retirement.
01:16So, every goal has to have an inflation factor and the compounding benefit long term has to have a benefit.
01:29If you have 20% of your income, 10% should go for children planning and 10% should go for retirement planning.
01:40So, it will be 50-50% and you will feel much love for children in that condition.
01:49If you invest 20% of your salary, 10% should go for your salary.
01:55We have talked about how to invest, how important it is and what goals should be.
05:13All right.
05:37Now, coming to the actuator, that you read about the options that you see, new parents
05:41What kind of investment options are the first and foremost investment or planning for a newly parent is to have a good risk-covered plan for yourself.
05:59The first step is to have a good risk-covered plan for your child's goals.
06:21In every situation, the first step is to have a good risk-covered plan for your child's goals.
06:31The first step is to have a good risk-covered plan for your child's goals.
06:38The second step is to have a good risk-covered plan for your child's goals.
06:48The second step is to have a good risk-covered plan for your child's goals.
06:55The second step is to have a good risk-covered plan for your child's goals.
07:07The first step is to have a good risk-covered plan for your child's goals.
07:12The second step is to have a good risk-covered plan for your child's goals.
07:25investor
07:26so you can open the pay of account
07:28you can open the FD
07:29you can open the insurance company
07:32unit plans
07:33conservative plans
07:34you can open the plan
07:37and I think
07:39everything you need to make
07:42a basket
07:42for us
07:44because
07:46they have some goals
07:47past
07:48recurring
07:49years
07:50years
07:50years
07:51years
07:52years
07:53years
07:55years
07:56year
07:57every year
07:59these
08:01you will make a portfolio
08:04for the kids
08:05different
08:06asset classes
08:07different
08:08instruments
08:09and
08:10they will make the
08:11They will make a
08:12your child
08:13you will make a plan
08:16for you
08:17I have noticed
08:19very good
08:21investment plan. As we invest, we think we will get the return where we will get the return.
08:26But insurance is also a very big part of financial planning and your financial planning ideally
08:33should start with insurance so that it can cover your risk and mitigate your risk.
08:38As soon as you don't get the return guarantee here, but whenever there is a problem,
08:44you can take care of insurance. You have told us that you can do this and you have said that SIP is your favourite.
08:57So I want to know that if a parent wants to do this in 2025, what are SIP plans or schemes that you suggest?
09:06Yes.
09:07Yes.
09:08Yes.
09:09Yes.
09:10Yes.
09:11Yes.
09:12Yes.
09:19Yes.
09:20Okay.
09:21Yes.
09:24Now you can take care of the human children's career
09:35and
09:38the
09:41money
09:44money
09:47money
09:50money
09:53money
09:56money
09:59money
10:02money
10:03We have 2-3 goals. Pre-primary, primary, education.
10:07As long as you say, you have an aggressive fund.
10:10Those goals are passed.
10:12If you want to create a primary education fund,
10:16and if you have 25 years old,
10:19you will have a first goal after 5 years,
10:22then you can use a hybrid scheme.
10:26So, we can calculate these options.
10:31If you want to create a primary education fund,
10:34then you will have a better option.
10:36We can use every category because this goal is long.
10:39As long as we take a risk,
10:43then you will have a good risk.
10:47So, risk is a good reward.
10:49Sometimes, parents think that we don't do it in SIP.
10:53We don't have a mutual fund.
10:55So, you can also get a compounding in FDU.
10:59Or you can use ULIP.
11:01In ULIP, risk cover, equity, etc.
11:06But, locking is very long.
11:09So, the features of each instrument,
11:11and the objectives of each instrument,
11:13we need to create a plan.
11:18So, Poonam Ji told us a few options.
11:21If you want to go to the mutual fund,
11:24then there are child-specific plans.
11:26UTI and HDFC, they have told us.
11:28There are some lock-in.
11:31And if you have a long time,
11:33you can go to open-ended funds.
11:35You can choose hybrid funds.
11:36So, if you plan for your child,
11:38there are plenty of options.
11:39But, what is your risk appetite?
11:41What is your income?
11:42What is your income?
11:43What are your goals?
11:44What are your goals?
11:45What are your goals?
11:46You can discuss with your financial advisor,
11:48and make a diversified portfolio.
11:50So, all of you can discuss with your financial advisor,
