Want to generate passive income in India? In this exclusive podcast, we sit down with Manish Jain, who reveals his strategies for earning a remarkable ₹2.5 lakhs per month from passive income sources. If you are an Indian investor looking to grow your wealth without constant trading, this video is a must-watch.
Chapters:
00:00 – Highlights
03:01 – Guest introduction and career
04:53 – Understanding passive income
05:54 – Passive vs. Active income
06:25 – The age of wealth
07:20 – When to enjoy your money
07:47 – Saving for a stress-free life
08:10 – Setting passive income goals
08:24 – Accepting the FIRE concept
09:08 – HENRYS explained
09:16 – Real estate liquidity
10:47 – Expenses passive income can cover
11:27 – Creating a fund that never ends
12:24 – The need for rebalancing
13:48 – Passive income and job uncertainty
14:48 – The corporate pyramid
15:05 – The importance of work-life balance
15:46 – Benefits of passive income
16:24 – Increasing your savings rate
16:37 – Rich Dad Poor Dad philosophy
16:54 – How to take advantage of market crashes
17:41 – The portfolio pie chart
18:19 – Role of gold
18:56 – Real estate investment
19:01 – Portfolio breakdown
20:05 – Starting with equity
20:40 – Separating Demat accounts
21:05 – Aggressive growth strategy
21:54 – Trading capital
22:25 – Smart use of FDs
22:48 – Making 20% in one day
23:18 – Tax planning strategy
24:02 – Reinvesting passive income
24:09 – Swing trading
24:54 – Real estate journey
25:43 – Passive income vs. expenses
26:54 – The biggest expense
27:27 – How to build passive income
28:03 – The dividend yield portfolio
29:10 – Insurance cover and need
31:18 – Preferred passive income source
32:28 – Bond investment strategy
32:55 – Tax planning for passive income
34:06 – Unlimited earning potential
34:31 – Saving for daughter’s future
35:46 – Teaching kids to invest
37:27 – Advice for beginners
38:12 – Start with small expenses
39:09 – Break down big goals
39:56 – Quantifying the value of time
40:34 – Easiest income sources
41:17 – Bonds are affordable
42:01 – How to build a bond cycle
42:56 – Your home as an asset
43:02 – How to allocate your income
44:15 – Passive vs. active income
44:29 – Rental income and REITs
46:24 – Common mistakes and risks
48:02 – Compounding myth
48:49 – SWP strategy
50:35 – Risks of building passive income
52:17 – New-age passive income sources
53:51 – Conclusion
Please remember this video is for educational and informational purposes only. The discussion is based on Manish Jain’s personal experiences, and viewers should conduct their own research or consult with a financial advisor before making any investment decisions. Never invest based on a single piece of information.
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So many takeaways ! Thanks both of you
waste of time.
Mene kuch nahi aamjhi
the frak is he on about – Henry is High Earning, Not Rich Yet. ! Retired nahi Rich!
The best and most real podcast of all the podcasts I have ever seen ❤… This guy was a great Genuine Guest who knows what he was talking.. and a great host who was asking very good questions 👌👌👌✔️
Digant Haria gives a master class. Somehow I still believe the Bajaj companies ie Finance , Housing Finance are better to hold . Of course I am convinced these companies may not give 12-15 % returns as stated by Digant .. yet 😮
Ladki kitni pyari h 😍🤩 so pretty and beautiful.. pura video dekh liya iski vjah se 😂❤
Thank you for sharing your simplified passive income strategy. The breakdown of your portfolio (20% Bonds, 15-20% FDs, 10-15% Gold, 45-50% Equity) and the intelligent use of the OD facility against FDs for 'fire power' during market dips is excellent advice for liquidity management.
However, I respectfully disagree with your strong preference for liquid assets over ready-to-move-in rental real estate.
1. Generalising Risk: Your experience with the Pune villa, where the money was 'blocked' for eight years due to a builder scam, is certainly a critical cautionary tale. But illiquidity risk should not automatically dismiss all real estate. A generating rental asset, particularly a fully owned or inherited one, does not carry the high risk of a new project. We must differentiate between speculative, under-construction property and established rental income.
2. Inflation vs. Fixed Returns: You correctly noted that relying on FDs is risky because if interest rates fall, the income decreases, and FDs are "not an aggressive instrument". Rent, however, escalates typically 5-7% annually, which helps the income stream adjust for inflation. A simple FD, providing a fixed yield (taxed up to 33% at the maximum slab), does not offer this inflation hedge. While you fight inflation via your SWP strategy in Mutual Funds (withdrawing 10% while leaving 2% to grow) and inflating the corpus, a well-chosen rental property provides a passive income that fights inflation automatically.
3. Optimal Allocation: Your strategy to monetise inherited property and put the cash into FDs to earn ₹2.5 lakh monthly on ₹5 crore focuses purely on cash flow, ignoring the long-term appreciation that often makes the real estate's total CAGR competitive with the 9–10% return you cite for standard Mutual Funds. For a ₹5 crore corpus, holding 45–55% in defensive liquid assets (Bonds/FD/Gold) seems excessively high for someone not yet retired.
A smaller liquid allocation (e.g., 10% in FDs for emergencies and OD leverage) combined with a substantial, income-generating real estate holding, provides a better balance between stable income, inflation-beating appreciation, and necessary liquidity.
PS: Don’t follow every podcast blindly. Use basic knowledge, instinct, and a practical approach.
Madam ko kapde thoda aur chhote pehan-ne chahiye the, tab jyada achchhi aur sunder dikhti
Manish Sir has provided various examples, taking into account the macroeconomic conditions at both the domestic and global levels. Therefore, we need to remain aware of such situations & keep changing our portfolio accordingly. Further, strike the iron while it's hot. These are the lessons that I learnt.