Passive Income | 2025માં આવી રીતે તમે પણ આવકના 4 સ્ત્રોત કરી શકો છો | Sachu Kau

Calculation | આ રીતે ₹ 5000થી ₹6.5 લાખ ભેગા કરો | Sachu Kau
   • Calculation | આ રીતે ₹ 5000થી ₹6.5 લાખ ભેગ...  


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Financial Disclaimer:
This video is for informational and educational purposes only. I am not a SEBI Certified financial advisor, and nothing in this video should be considered financial or investment advice. Always do your own research and consult with a licensed professional before making any financial decisions.

આ વિડિયો માત્ર માહિતી અને શૈક્ષણિક હેતુઓ માટે છે. હું કોઈ નાણાકીય સલાહકાર નથી અને આ વિડિયોમાં દર્શાવેલી કોઈ પણ માહિતી નાણાકીય અથવા રોકાણ સલાહ તરીકે લેણી ન જોઈએ. કોઈપણ નાણાકીય નિર્ણય લેવા પહેલાં કૃપા કરીને તમારું સ્વતંત્ર સંશોધન કરો અને લાઇસન્સપ્રાપ્ત નાણાકીય સલાહકારની સલાહ લો.


In this episode of Sachu Kau, Goonj Thakkar discusses different sources of passive income. It begins by distinguishing between active income (like a salary) and passive income, emphasizing that true passive income requires capital and no ongoing action.

The video highlights four main sources of passive income:

👉🏻Systematic Withdrawal Plan (SWP) from Mutual Funds: This involves investing a capital sum (e.g., ₹6.5 Lakh in a Multi-Cap Mutual Fund) and making fixed withdrawals over a period. It suggests a 1% monthly withdrawal (₹6500 from ₹6.5 Lakh) with an average return of 18%. The document uses an example of "Ramesh" and "Suresh" to illustrate the benefits of consistent, smaller withdrawals (averaging) compared to a single large withdrawal. It notes that capital gains are taxable.

👉🏻Post Office Monthly Income Plan: This is presented as a safe investment for monthly income. An investment of ₹6 Lakh can yield ₹3700 per month.

👉🏻Fixed Deposit (FD): With a 6.5% interest rate, a ₹4 Lakh investment can generate ₹2200 per month.

👉🏻Government Bonds and Securities: Offering a 7% interest rate, a ₹3 Lakh investment can provide ₹2300 per month.
The document also provides a financial disclaimer, stating that the information is for educational purposes only and not financial advice. It encourages users to do their own research and consult with a licensed financial advisor.

It outlines a potential plan to accumulate capital, starting with a monthly investment of ₹5000, and how this can grow over time. The goal is to reach a total capital of ₹20 Lakh (₹6 Lakh in Multi-Cap Mutual Fund, ₹6 Lakh in Post Office Monthly Income, ₹4 Lakh in FD, and ₹4 Lakh in Government Securities) by investing ₹5000 for the first 5 years and then ₹11,500 per month for 2.5 years, leading to a total passive income of ₹14,700 per month after 10 years.

The video also suggests that increasing income/salary allows for increased investment and better returns, ideally starting at age 25 and reaching the goal by age 35.


00:00 - Intro
01:22 - What is Passive Income?
01:44 - How to Accumulate Capital?
02:00 - Systematic Withdrawal Plan
06:17 - Monthly Income Scheme
07:40 - Fixed Deposit
08:05 - Government Bonds