← back
Ep 131 Ask Money Purse - Home Loan, Endowment Surrender, SME IPO
Original: EP-131 #ASKMONEYPURSE
Takeaway
Surrender bad endowment policies and redirect to mutual funds; postpone aspirational home purchase until cash flows comfortably cover EMI.
Summary
- Vizag viewer with Rs 80k gross income, Rs 55k expenses, Rs 32k home-loan EMI for Rs 80 lakh house dream - cash flow doesn't support yet, wait 2 years or use future Rs 20k rental
- Endowment policy: Rs 60k/yr premium for 4 years, surrender value Rs 1.47 lakh vs Rs 2.4 lakh paid - lose Rs 1 lakh but redirect to ELSS/small-cap funds is still better than continuing 12 more years
- Explains SME IPO and HNI category risks: lower liquidity, lock-in, but oversubscription mechanics differ from mainboard
- Praises viewer who got 4.96x bagger in PB Fintech tracking - new policy product still no stock momentum
home loanendowmentELSS
Original description
Get Best & Free Credit cards Apply Now👇 IDFC free Credit Card (Free) - https://wee.bnking.in/ZTFkZTc1 AU Credit Card (Free) https://wee.bnking.in/NmZkNGQ4 You can compare Term Insurance here 👉https://tinyurl.com/bdysmh59 You can compare Health Insurance here 👉 https://tinyurl.com/pgc9dcxc . Tijori 15% Discount Link 👉 https://tinyurl.com/vk645vp3 TELEGRAM: https://telegram.openinapp.co/money-purse You can learn Basics of Stock markets for beginners, How to do Fundamental Analysis of a stock or any company, Expert Interviews, Financial Planning, Tax planning , Daily Stock Market News and many more for free in our channel Get free Knowledge and learn how to be a pro in Stock Market Investments and your Personal Finance. You can compare Term Insurance here 👉 https://tinyurl.com/bdysmh59 You can compare Health Insurance here 👉 https://tinyurl.com/pgc9dcxc Stay In Touch👇 Also connect with us on👇 FACEBOOK: https://www.facebook.com/moneypurseadv/?ref=bookmarks INSTAGRAM: https://www.instagram.com/moneypurseadv/ TWITTER: https://twitter.com/Moneypurseadv Thanks for watching.. Team Money Purse 00:00 Is Reliance giving JIO as free stock 03:40 Property investment in Vizag 08:22 What shall i do with this insurance policy 10:47 IS Angel one Recent Ban impact on us 11:42 Sunday Funday 12:42 Multi Bagger SME IPO 15:37 My 500 % return Stock 17:11 Daily Stock market Updates 18:43 tomato price hike Impact on QSR theme Stocks