9 Types of Income You Can Earn! 💰

Finance-focused Summary (9 Income Types)

Market / Portfolio Instruments & Tickers / Assets Mentioned

Equity indices (India)

• Nifty 50
• Nifty 20
• Nifty Small Cap 100

Mutual funds / ETFs

• Mentions ETFs, claiming they typically don’t distribute dividends separately (dividends are reinvested).
• Mentions debt funds.
• Mentions liquid funds.
• Mentions liquid ETFs.

Individual stocks / examples

• HDFC Bank (used as an example for AI analysis: target, exit, and stop-loss)
• “HDFC” is briefly mentioned, then corrected to HDFC Bank.

Bonds & cash instruments

• Government bonds
• FD (fixed deposits)
• Savings account interest

Real assets

• Gold
  • Tracked in INR (and references USD price).
• Property / plots
  • Mentions residential → commercial conversion
  • Mentions rental income

Crypto

• None mentioned

Tax

• Capital gains tax implication is discussed (tax due on profits).

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Explicit Step-by-Step / Methodology Frameworks

Investing Pro “AI” monthly momentum-style framework

• Use Pro Picks AI to view multiple strategies (e.g., “India Small Cap Gems”).
• On a monthly schedule:
  • Buy recommended stocks at stated prices.
  • Remove / sell stocks on the specified date.
• Track exits and profits.
• Cut losses early: take “small losses” before they become “big losses.”
• Review research reports for the “why” behind a stock being withdrawn.
• Use an overvalued/undervalued screen that:
  • Updates monthly
  • Flags stocks that “could fall” (downside %)
  • Finds undervalued stocks with potential upside
• Use AI Q&A for target / exit / stop-loss guidance (example: HDFC Bank).

Gold accumulation approach (“buy on dips”)

• Start buying around a prior level.
• Add more on dips to lower average cost (i.e., “buy more when it dips”).

Property / valuation timing narrative

• During COVID (earlier timeframe), buy undervalued property/plots (sometimes using loans).
• Benefit from valuation uplift and rental conversion:
  • Convert residential → commercial via CLU / change of land use.

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Key Numbers & Performance Metrics Mentioned

Equity index performance claims

• “Top 50 companies” return: ~51% over last 5 years (from tool screenshot)
• “India market outperformers” (described as Nifty 20 top performers):
  • 5-year return ~418%
  • CAGR ~38%
• Nifty 20 vs Nifty 50 value comparisons:
  • Nifty Infrastructure 5-year return claim: ~111%
  • Strategy claim: ~480%
  • “Bharat Bags” strategy claim: ~500%
  • vs “Nifty 50 Value 20”: ~49%

Small-cap strategy claims

• “India Small Cap Gems”
  • Last 5 years return claimed: ~1200%
  • vs Nifty Small Cap 100: ~118%
  • Note: figures appear inconsistent/unclear in subtitles, but the overall direction is strategy >> index.
• Power-of-compounding example claims:
  • ₹1 lakh → ₹13 lakh (example over 5 years)
  • ₹1 lakh in 2019 → ~₹3 lakh (small-cap style example)
  • ₹1 lakh → ~₹26 lakh (longer-period example; subtitles garbled)
  • “₹1 crore → ₹6 crore” (example referenced earlier)

Monthly profit booking examples (stock exits)

• Exit profit percentages cited: 53%, 47%, 35%, 30%, 17%
• Mentions also booking losses in some stocks as “small losses.”

Gold

• Bought starting around ₹30,000
• “Currently trading above ₹1.5 lakh” and “above $4,000”
• Approach: accumulate via buying on dips (average price intent described, subtitles unclear)

Property (valuation uplift)

• Post-COVID uplift examples:
  • ₹5 crore → ₹15 crore (3x)
  • ₹1 crore → ₹3 crore to ₹5 crore
  • ₹10 crore → ₹50 crore
• Rental conversion claim:
  • Residential to commercial after CLU/change of land use can yield ~4x more rent
• Rent yield example:
  • Property worth ₹50 crore: rent “around ₹15–16 lakh” (roughly ~0.3 yield)

Interest (lending at interest) examples

• Example: ₹10 lakh at 1% per month → ₹10,000/month
• After a year: ₹1,20,000 earned (as stated)
• Example: ₹1 crore at 1% → ₹1 lakh interest
  • (subtitles suggest capital may grow to “crores,” with interest described as “multiple lakhs” depending on context)

Dividend income

• Mentions dividend credits via emails/mail intimations
• States that in August, dividends total “₹1 lakh plus” (earlier smaller amounts accumulate)
• Notes that dividends from ETFs are typically reinvested, so the focus is on dividend-paying stocks.

Referral / affiliate

• Referral offer mentioned for a free demat account via link:
  • “Probably ₹1200 per account” (limited time; could be reduced to ₹1000)
  • If refer 5 accounts → ~₹6,000
  • If refer 10 accounts → ~₹12,000

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Financial Recommendations / Cautions / Disclosures

Recommendations (strong / promotional)

• Use Investing Pro paid feature and subscribe via provided link.
• Claims improved returns from strategies such as:
  • “Bharat Market Outperformers”
  • “Bharat Mid Cap Movers”
  • “Bharat Small Cap Gems”
• Increase allocation to small caps when “Nifty has not been doing well,” citing 1-year return ~ -5% (at the time of recording).
• Consider gold accumulation and property during downturns/undervaluation.
• Seek multiple income streams, not only salary.

Cautions / risk notes

• Active income is “dependent on attendance/leave approval” (work risk).
• Stock tool guidance includes cutting losses (manage downside by cutting small losses early).
• Dividend vs ETF caution:
  • ETFs may not show separate dividend payouts because dividends are reinvested.
• Private lending risk mentioned:
  • Default/recovery risk if borrowers don’t repay.

Tax disclaimer

• Claims capital gains trigger taxes (“tax is also levied” when profit is booked).
• States “only the person earning pays tax.”

Disclosures

• Provided subtitles include marketing language (promo links, free demat referral, Investing Pro promotion/discount).
• No explicit formal “not financial advice” disclaimer is present in the provided text.

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The “9 Types of Income” Listed

1. Active income: salary / self-employment
2. Business income: creating a “system” (time ≠ money)
3. Royalty income: books, e-books, songs, movies
4. Interest income: loans, debt funds, government bonds, FD, savings interest
5. Capital gains: stocks, mutual funds, gold, property
6. Rental income: residential/commercial rent; plots/buildings; conversion to commercial rent
7. Dividend income: from dividend-paying stocks (tool/mail credits cited)
8. Affiliate income: Amazon affiliate links; refer-and-earn for demat account
9. Equity income / equity stakes: startup equity / business shares / stock ownership

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Presenters / Sources Mentioned

• Presenter: Not explicitly named (single YouTube host).
• Source / tool referenced: Investing Pro (including Pro Picks AI and promo code / subscription claims)
• Index references: Nifty 50, Nifty 20, Nifty Small Cap 100 (as index products, not an external source)