Which mutual fund is best for you? | Money Psychology
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- Опубликовано: 28 июн 2024
- Most investors pick regular funds & this mistake while investing can cut down their returns by A LOT!
So how do you know if you should go for direct funds? Watch this video & find out which investing route will be best for you.
PS - The entire team reads our comment section and we love your reactions, keep em coming!
- The girl hiding in the backseat
0:00 - Let's begin
1:12 - Regular Funds Vs Direct Funds
2:48 - What is an expense ratio?
4:47 - Does a higher expense ratio really matter?
9:20 - Tax implications of switching from regular to direct mutual funds
10:42 - What is an exit load?
12:52 - Bloopers!
![mgk - Sun to Me (Zach Bryan Cover) [Live from Cheshire Cottage]](http://i.ytimg.com/vi/_ZnbTEs4O6U/mqdefault.jpg)
The car driving was unnecessary, please stay safe, need to protect you guys ❤
They shoot those shots on empty roads 😊
Please do a video on ETFs and may be Segway into small case (all weather investing) as well.
Sir , please make a series of how to pick mutual funds and try to explain using various websites like moneycontrol etc, as it shows the expense ratio, alpha , beta etc.
Silent sponsor-MG
An episode on Passive (index) vs active investing please. I want to show that to my father, and hopefully he understands then.
Bhai passive vs active have always been a debatable topic, sometimes passive takes course sometimes active, like passive now a days.
If you're going for smallcaps go for active, if niche funds like valur discovery, special oppourtinity, hybrids etc.go for active, if vanilla large caps go for passive.
My personal opinion: US is a mature market, there is little room for extra research there also much of the books written are POV of USA markets. There is room in Indian markets (which is in growth phase) to create alpha. So my 70% allocation would be in active next 30% passive.
no one has ever taught maths like you did! I would have topped maths exam if exponential were taught like this! 😢
Also great way to educate us about direct vs regular! Thank you ❤
❤️❤️❤️
Distracted driving = Danger to others.
Yes, we want a video on Index funds too...I want to learn more on them & how are they actually different from mutual funds.
I am actual enjoying this, I am sure you guys would love what you are doing, it is rare that you get what you love to do.
Thanks for the information about regular vs direct, yes i am looking to know about index fund, waiting for your video on this , thanks 🙏
Kindly do a video on Index funds and how can we use that to build post retirement system like a monthly withdrawal post X years.
Thanks guys, as a 20 yr old these videos are really helpful to gain knowledge about these things that I will be encountering in the near future, and that too in a fun non boring way, please keep making more videos
Thanks guys for the wonderful effort that your team puts in to explain these concepts to beginners!
good job guys! team! thanks for this!
Great explanation, the motion graphics is always on point. ❤
You can transfer from one plan to another plan through STP(Systematic transfer plan) if there is short term capital gain 15% tax and held more than one year and capital gain is more than 1 lakh then 1 lakh is exempted and remaining is taxed at 10 % and for debt funds stp done within 3 years is taxed at income tax slab and stp after 3 year would be taxed at 20 % with indexation benefit.
Want an episode on Index Funds too! Thank you
One video on index fund vs other mutual funds please!! 🙏
Do the index fund!! Excited to learn so much..❤️👍💯
Please do an episode on index funds too. Thanks.
Great way to educate people in such way! Appreciate your hardwork in creating such superb content. Thanks Zerodha team.
Great video, thank you for making it! This video comes at a good time because I am currently looking into moving some MFs around and this answers some questions I was trying to answer. Would love to see a similar video on how to go about rebalancing MF portfolios over time. Also, +1 on index funds pretty please.
0:40 "yaha pe bhi"😂😂
How does capital gain tax harvesting work on mutual funds, and does it affect my compounding? Additionally, if I sell all my units and buy after T+1 days, it will be a fresh investment. How does compounding work in this scenario?
Yes. Please do index funds video
I met all 3 of you at Zero1 Fest. Amazing people!!
No one cares except you
Amazing video!!
Also yess please make a video on index funds
Best way to explain all these stuff..😊👏👏
Very Insightful 👌🏻👏🏻
Learning Finance have being funnier and interesting. What a cool way of teaching exponential . Thanks to the team!!!
Make a video on index fund as well
Yes sir - Index fund , also on ETF
Hey guys, awesome content ❤
Could you please consider making a video on credit cards? Like is it even required and the myths associated with the same.
Thanks for making videos in English. Almost every RUclips channel on the Indian side is in Hindi/Hinglish. The ones which aren't are in Tamil, Telugu, Malayalam etc. Hindi vaalas STILL try to come onto minority English channels and try turning them into Hindi/Hinglish ones. There could be 99 Hindi videos, but they'll come onto the one video which is in English and say "Hindi me bolo".
we want a video on index investing
please do video on index funds and help us factors which should be considered while choosing index funds👌
ELSS Fund is something I am looking forward to!!!!!
Please make a video on index funds
Pls make a video on debt funds for various scenarios.. its much complicated than equity
There is a video by Kirtan Shah... watch it, it's a very clear depiction
I'm a simple man. I see Abhishek in the thumbnail, I watch the whole video.
MOST OF THE COMMENTS HAVE REQUESTED FOR A VIDEO ON INDEX FUNDS. Please make a detailed video on Index Funds ASAP, with SLIGHTLY lesser histrionics.
if you think you can't keep track of where and why you are investing , just go with regular funds. Instead of losing it all ,sometimes its best left to experts .
That's what he told if you are doing diy then why regular 😂
You just need to select one large cap, one mid cap, one flexi cap and one small cap fund.
Just invest 30℅ of your savings in large, 30℅ in flexi, 25℅ in mid cap and 15% in small cap, if you don't want to take high risk, and you are a safe investor considering the fact that you don't have time to research.
Do the SIP your money will be auto deducted.
You just need to watch 4-5 videos of any sebi registered finfluencer to select mutual funds. Then after you have selected the AMCs don't change them and invest for long term.
Regular funds made sense in past since we didn't have any online broker apps like groww and all and no youtubers who could guide you so people simply just invest their money through regular MFs.
Don't talk shit from your fake account man. Have some basic decency.
Mutual Funds are literally for when you don't know which stocks/debts you should invest in. Making another layer on top of them as to which mutual funds to select is just stupid and scammy. I'd rather give my money to the guy who's actually stock picking rather than the guy who has no clue how the mutual fund might perform and just picks it based on which one gives him the best returns. MFDs are scamsters and they know it as well, adding no value at all, and they are just an archaic left-over job from the early days when investing in Mutual Funds wasn't easy.
I think you might be from mutual fund distributior
Driving and recording dangerous to abhi..😂.. Good info❤️
Great ❤ very nice ...do a index fund.....detailed ..vedio.
Nice information. Much useful!
Thank you! :) Happy that you liked it!
Good topic presented in interesting manner😅😅
My question -
Will I earn a bigger return if I redeem my investment each year and reinvest for one year? Do the same in five years. Compared to five-year earnings on a one-time investment.
Plz clarify
Please do the video on mutual fund and etf please 🙏
What if if I stop my investment on regular fund's and start new SIP on the direct fund on the same fund. What is the impact?
10:13 Can you show the calculations or what tool you have used? I used the compound interest calculator, initial amount 29.1L, annaual return percentage of 19.31% and period of 20 years compounded annually. The final amount I saw 9.94cr vs. 12.1cr as shown in the video. Can you please show what formula you’ve used? Thanks
Hii guys, can you please make a video on how to select a good mutual fund ?
what if we stop the sip and keep the money there, and start new sip in direct fund? is it ok?
Hi could you do a Tax Harvest episode, because there are so many varieties of explanation to do it.
Let us know which is the better way for Tax Harvest in this unpredictable market in stocks and mutual funds
Pls make video on index fund
you can make series out of it
Make a video on Should wr buy Direct mutual fund or Regular Mutual fund
0.4% compounded over many years is a lot, I agree, but the argument is only valid if the expert and a DIY investor picks the same fund or similar performing fund. There are multiple regular funds which has performed much better than direct funds, expense ratio isn't the only thing that matters. These finfluencers are promoting direct funds for a very simple reason, they want more transactions from their platform which in turn will profit them!!
These investors feel they are saving a lot by saving on expense ratio but hardly anyone has the right portfolio and think MFDs as scamsters. Well, let's see after 30 years who has compounded better, the DIY investor doing in direct funds or an investor trusting an expert.
and higher expense ratio is justified if the fund beats the index fund by that same difference in expense ratio.
@@potbot887 Absolutely, not just index, more often than not it will beat category average! Also a good Mfd will save a lot of taxes on capital gains with smart planning!
Up for index fund
a fund which tracks nifty or sensex, will still be a mutual index fund right? Just that the proportion and choice of stocks is decided by index and hence trivial money management and rhus the low fees
Love your content.
Thank you ❤️
Health insurance and Car insurance hei na ???
Yes
I invested in a regular fund six years ago, which is still running.
What is the drawback if I switch and do not switch? My horizon is 15 years in the same fund.
Should I switch the same fund with direct or another new NFO or some index MF?
wouldn't the tax be nullified as we are moving the long term capital gains money back to a long term asset?
Can you do in ULIPs?
Yes plz do an episode on index fund; are they worth it ; Basant Maheshwari says they aren't good
Subscribed. Awesome videos.
Yaaaay!!! Thanks so much! :)
@@Zero1byZerodha Keep making the useful videos. Appreciate it.
2 is to power is just timepass. Make it simple and short guys. Wo agent/broker kya sochega aap ke baareme 😂
Redeem or Switch ?
Which is better way to change to direct fund ?
plz help
Lot of drama could have been avoided 😅. Conceptually good 👍
Make a video for beginner’s which fund is better explain the differences plz
Hum first hum first 🏃🏃💝
Hello zero1 team,
Need a solution to my query, kindly answer it.
I had invested in a ULIP back in 2019 with a payment term of 5years and investment term of 10 years, now i have completed my payment term of 5 years as i can see the returns are way too less of arount 6% CAGR in this bull run. So pl help me decide should i stay invested in this ULIP till the maturity term i e, another 5 years or should i giveup my policy and encash it. SIP amount was 6k per month. Thank you in advance 🎉🎉❤
I am confused about investing in quant flexi cap or should I invest split of nifty100, quant Small cap mutual fund, individual stocks like praj, shivalik bimetallic, Bharat forge. Which is better
Invest in nifty 50 etf and forget everything, you'll thank me later
Tell us regarding index fund
Is there any future plan to bring full service broking for Zerodha customers!
Do some statistics about the redemption frequency in direct and regular. You will see more and more redemption in Direct, especially during market fall, as they know nothing about it. Do not lose 5 rupees by thinking about one rupee.
If you have full knowledge GO WITH DIRECT,. if not DON'T DIY. You will lose a lot
within same fund house, isn't there no transfer charge?
Huge doubt. How does compounding work in MF and stocks? I've seen many videos but no one has given a satisfactory answer
Which mutial fund gives 19% rpa - Invest even it gives 18.45 percent flat return after tax cuts and everything for straight 6 years.
In some application they give option to switch from regular to direct without selling it. In sbi mutual fund app investap application it is possible to switch.
They don’t show on the platform but taxes will be charged when you file your taxes. It is similar in Groww where you can switch funds within the same AMC, they don’t show the taxes outright so you have to be careful in knowing your tax liability at the end of the year
Differences between Direct,Regular,Active and Passive Funds ?
Growth, reinvest, dividend funds etc
3:22 YZ flexi cap 😂😂😂😂😂
Do index funds 😊😊
ETFs?
Hii sir help me
I don't know how do I make and maintain a Excel sheet how to make a entry can make a small tutorial for it
You showed us how to reduce expense but now please tell us how to record our expenses or just reply in comments thank you zero 1 for your efforts we appreciate and love you guys for your unconditional help that you guys provide us thank you
Index funds
We invest through wealth plenitude, apparently i got full redemption, without any commission, exit load or expense ratio. I guess these are regular funds, I'm not able to decode that. Will zerodha help me?
The efforts Abhishek has to put to show he is a noob. Mind blowing.
Index fund vs index ETF
Dropping bigger then universe scale then saying 13 billion light years still fare comparison than Pluto.
You missed to add an important point. If that mistake is done then Investors have to loose not in Lakhs but in crores. Did you find that sir?
index funds required sir
nice
Index fund
Driving an MG (excellent mileage XD) and worried about 1% :P
why not buy a direct mg ... where it is cheaper ... :P
Index fund 👍
Index fund..
Car konsi hai.. Mast lag rhi
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