Which mutual fund is best for you? | Money Psychology

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  • Опубликовано: 8 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!

Комментарии • 152

  • @manthan6814
    @manthan6814 25 дней назад +60

    The car driving was unnecessary, please stay safe, need to protect you guys ❤

    • @Santhu99
      @Santhu99 22 дня назад +4

      They shoot those shots on empty roads 😊

  • @aniganguly
    @aniganguly 25 дней назад +18

    Please do a video on ETFs and may be Segway into small case (all weather investing) as well.

  • @adityakantha2591
    @adityakantha2591 25 дней назад +16

    Silent sponsor-MG

  • @arjunchandra4464
    @arjunchandra4464 25 дней назад +10

    An episode on Passive (index) vs active investing please. I want to show that to my father, and hopefully he understands then.

  • @sahilgadekar6406
    @sahilgadekar6406 25 дней назад +8

    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.

  • @SaptarshiRoySRoyPC
    @SaptarshiRoySRoyPC 25 дней назад +46

    Distracted driving = Danger to others.

  • @d4devotion
    @d4devotion 24 дня назад +3

    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.

  • @08pkz
    @08pkz 25 дней назад +37

    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 ❤

  • @karuppusamyc
    @karuppusamyc 25 дней назад +4

    Thanks for the information about regular vs direct, yes i am looking to know about index fund, waiting for your video on this , thanks 🙏

  • @nithink4354
    @nithink4354 25 дней назад +3

    I met all 3 of you at Zero1 Fest. Amazing people!!

  • @aviiralmukherjee
    @aviiralmukherjee 24 дня назад +2

    Yes, we want a video on Index funds too...I want to learn more on them & how are they actually different from mutual funds.

  • @mrasquaretech
    @mrasquaretech 19 дней назад +1

    Great explanation, the motion graphics is always on point. ❤

  • @ashraf_isb
    @ashraf_isb 24 дня назад

    good job guys! team! thanks for this!

  • @icyhawt2854
    @icyhawt2854 11 дней назад

    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

  • @pavanshanmukha
    @pavanshanmukha 25 дней назад +2

    Great way to educate people in such way! Appreciate your hardwork in creating such superb content. Thanks Zerodha team.

  • @ekamwalia5757
    @ekamwalia5757 25 дней назад

    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.

  • @deepakkurdekar.7999
    @deepakkurdekar.7999 25 дней назад +1

    Very Insightful 👌🏻👏🏻

  • @saisudheermittapalli574
    @saisudheermittapalli574 16 дней назад

    Best way to explain all these stuff..😊👏👏

  • @ronaldrouth9651
    @ronaldrouth9651 22 дня назад

    Do the index fund!! Excited to learn so much..❤️👍💯

  • @shriloo
    @shriloo 25 дней назад +1

    Yes. Please do index funds video

  • @swapniljadhav5249
    @swapniljadhav5249 18 дней назад

    Amazing video!!
    Also yess please make a video on index funds

  • @SatishchandraSalam
    @SatishchandraSalam 25 дней назад +10

    0:40 "yaha pe bhi"😂😂

  • @ramachandragodkhindi8356
    @ramachandragodkhindi8356 24 дня назад

    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.

  • @DebasmitBiswal
    @DebasmitBiswal 25 дней назад

    Learning Finance have being funnier and interesting. What a cool way of teaching exponential . Thanks to the team!!!

  • @EliudM.
    @EliudM. 25 дней назад +1

    Yes sir - Index fund , also on ETF

  • @Kukugmhg651
    @Kukugmhg651 24 дня назад +1

    Good topic presented in interesting manner😅😅

  • @hritiksharma4944
    @hritiksharma4944 25 дней назад +2

    Please make video on Index funds

  • @notabibliophile1518
    @notabibliophile1518 11 дней назад

    Nice information. Much useful!

  • @nikondian
    @nikondian 25 дней назад +1

    what if we stop the sip and keep the money there, and start new sip in direct fund? is it ok?

  • @Ranodeepsen
    @Ranodeepsen 16 дней назад

    Lot of drama could have been avoided 😅. Conceptually good 👍

  • @JammUtkarsh
    @JammUtkarsh 25 дней назад

    ELSS Fund is something I am looking forward to!!!!!

  • @vivek7949
    @vivek7949 8 дней назад

    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

  • @drtsrk
    @drtsrk 22 дня назад

    Please do an episode on index funds too. Thanks.

  • @nageshreddy769
    @nageshreddy769 25 дней назад

    please do video on index funds and help us factors which should be considered while choosing index funds👌

  • @ZEROKOOL
    @ZEROKOOL 25 дней назад

    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?

  • @akashak666
    @akashak666 25 дней назад +1

    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 🎉🎉❤

  • @nitinsingh81
    @nitinsingh81 15 дней назад

    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

  • @dineshkumarshera9838
    @dineshkumarshera9838 21 день назад

    One video on index fund vs other mutual funds please!! 🙏

  • @parthodave123
    @parthodave123 12 дней назад

    Make a video on Should wr buy Direct mutual fund or Regular Mutual fund

  • @dr.catcuddler194
    @dr.catcuddler194 20 дней назад

    Want an episode on Index Funds too! Thank you

  • @blu-5500
    @blu-5500 17 дней назад

    Redeem or Switch ?
    Which is better way to change to direct fund ?
    plz help

  • @nitinkamath.A
    @nitinkamath.A 25 дней назад

    Great ❤ very nice ...do a index fund.....detailed ..vedio.

  • @botany143
    @botany143 25 дней назад

    Driving and recording dangerous to abhi..😂.. Good info❤️

  • @tanmaymjyot
    @tanmaymjyot 23 дня назад

    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.

  • @raghuhr112
    @raghuhr112 24 дня назад

    Make a video on index fund as well

  • @shivanigoyal8640
    @shivanigoyal8640 25 дней назад

    Love your content.

  • @Vigneshviru
    @Vigneshviru 21 день назад

    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?

  • @parthodave123
    @parthodave123 12 дней назад

    Subscribed. Awesome videos.

    • @Zero1byZerodha
      @Zero1byZerodha  21 час назад +1

      Yaaaay!!! Thanks so much! :)

    • @parthodave123
      @parthodave123 21 час назад +1

      @@Zero1byZerodha Keep making the useful videos. Appreciate it.

  • @balakrishnaprasad4729
    @balakrishnaprasad4729 25 дней назад

    wouldn't the tax be nullified as we are moving the long term capital gains money back to a long term asset?

  • @charanteja2261
    @charanteja2261 25 дней назад

    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

  • @aadityagupta250
    @aadityagupta250 25 дней назад +8

    I'm a simple man. I see Abhishek in the thumbnail, I watch the whole video.

  • @praveendeshpande8246
    @praveendeshpande8246 25 дней назад

    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

  • @manohar0075
    @manohar0075 25 дней назад +2

    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

    • @pooh6546
      @pooh6546 11 дней назад

      Invest in nifty 50 etf and forget everything, you'll thank me later

  • @user-ho9vk4fo9j
    @user-ho9vk4fo9j 25 дней назад +1

    Pls make a video on debt funds for various scenarios.. its much complicated than equity

    • @sc7783
      @sc7783 25 дней назад +1

      There is a video by Kirtan Shah... watch it, it's a very clear depiction

  • @4335sanjay
    @4335sanjay 25 дней назад

    Please do the video on mutual fund and etf please 🙏

  • @kissekahaniorshivam
    @kissekahaniorshivam 25 дней назад

    you can make series out of it

  • @ravindersingh1969
    @ravindersingh1969 25 дней назад

    Yes plz do an episode on index fund; are they worth it ; Basant Maheshwari says they aren't good

  • @unlockyourfinance
    @unlockyourfinance 24 дня назад +2

    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.

    • @potbot887
      @potbot887 19 дней назад

      and higher expense ratio is justified if the fund beats the index fund by that same difference in expense ratio.

    • @unlockyourfinance
      @unlockyourfinance 17 дней назад

      @@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!

  • @ashwinbalaji3889
    @ashwinbalaji3889 16 дней назад

    Can you do in ULIPs?

  • @emperor6163
    @emperor6163 25 дней назад +52

    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 .

    • @lakshmitejas1685
      @lakshmitejas1685 25 дней назад +8

      That's what he told if you are doing diy then why regular 😂

    • @rohansinghsahu5770
      @rohansinghsahu5770 25 дней назад

      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.

    • @vyas_
      @vyas_ 25 дней назад

      Don't talk shit from your fake account man. Have some basic decency.

    • @erenjager6221
      @erenjager6221 25 дней назад

      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.

    • @viewthis4161
      @viewthis4161 22 дня назад

      I think you might be from mutual fund distributior

  • @tuhin1264
    @tuhin1264 25 дней назад +2

    Health insurance and Car insurance hei na ???

  • @pawanvasudevan6321
    @pawanvasudevan6321 25 дней назад

    Pls make video on index fund

  • @hrishimishra8772
    @hrishimishra8772 25 дней назад +2

    Hum first hum first 🏃🏃💝

  • @ashishjain1627
    @ashishjain1627 25 дней назад

    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?

  • @akramka8100
    @akramka8100 22 дня назад

    Make a video for beginner’s which fund is better explain the differences plz

  • @mxhxsh
    @mxhxsh 19 дней назад

    Huge doubt. How does compounding work in MF and stocks? I've seen many videos but no one has given a satisfactory answer

  • @vijayritanshu
    @vijayritanshu 25 дней назад

    Hii guys, can you please make a video on how to select a good mutual fund ?

  • @Lamp141
    @Lamp141 20 дней назад +1

    2 is to power is just timepass. Make it simple and short guys. Wo agent/broker kya sochega aap ke baareme 😂

  • @udayshirdhankar7585
    @udayshirdhankar7585 10 дней назад

    we want a video on index investing

  • @nitinsingh81
    @nitinsingh81 15 дней назад

    within same fund house, isn't there no transfer charge?

  • @madking3
    @madking3 25 дней назад +1

    Which mutial fund gives 19% rpa - Invest even it gives 18.45 percent flat return after tax cuts and everything for straight 6 years.

  • @prathapsm6203
    @prathapsm6203 16 дней назад

    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

  • @srinathreddy2032
    @srinathreddy2032 25 дней назад

    Please explain abt tax in mutual funds

  • @krishdhoundiyal
    @krishdhoundiyal 25 дней назад

    Up for index fund

  • @illuminati2101
    @illuminati2101 24 дня назад

    3:22 YZ flexi cap 😂😂😂😂😂

  • @debabratamahato8590
    @debabratamahato8590 25 дней назад

    Is there any future plan to bring full service broking for Zerodha customers!

  • @themillionairetrader8232
    @themillionairetrader8232 23 дня назад

    nice

  • @hruthiksaisomasunder6761
    @hruthiksaisomasunder6761 25 дней назад

    Tell us regarding index fund

  • @50karanbebale81
    @50karanbebale81 21 день назад

    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

  • @saieaswertej
    @saieaswertej 25 дней назад

    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.

    • @vivek7949
      @vivek7949 8 дней назад

      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

  • @jacobvarghese-st9hs
    @jacobvarghese-st9hs 25 дней назад +1

    Differences between Direct,Regular,Active and Passive Funds ?

  • @zaheenshaikh6921
    @zaheenshaikh6921 24 дня назад

    The efforts Abhishek has to put to show he is a noob. Mind blowing.

  • @hindiisonlyalanguagenotkno913
    @hindiisonlyalanguagenotkno913 24 дня назад

    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".

  • @arashde01
    @arashde01 25 дней назад

    Do index funds 😊😊

  • @thedood5665
    @thedood5665 23 дня назад

    Index fund vs index ETF

  • @thepratikkulkarni3088
    @thepratikkulkarni3088 24 дня назад

    ETFs?

  • @sauravsanjel2977
    @sauravsanjel2977 25 дней назад +1

    Dropping bigger then universe scale then saying 13 billion light years still fare comparison than Pluto.

  • @vishal7203
    @vishal7203 25 дней назад

    Index fund

  • @abhishekkaushik2005
    @abhishekkaushik2005 13 дней назад

    index funds required sir

  • @cenacr007
    @cenacr007 25 дней назад

  • @hareeshkumar7248
    @hareeshkumar7248 25 дней назад

    Index funds

  • @Archaeopteryx92
    @Archaeopteryx92 25 дней назад +1

    Driving an MG (excellent mileage XD) and worried about 1% :P

    • @nammanimma9407
      @nammanimma9407 25 дней назад

      why not buy a direct mg ... where it is cheaper ... :P

  • @tommysaan4875
    @tommysaan4875 22 дня назад

    Index fund 👍

  • @bhargavb7065
    @bhargavb7065 25 дней назад +1

    -Comedians- CAs in Cars Getting Coffee

  • @user-ry8gb6ou9t
    @user-ry8gb6ou9t 24 дня назад

    Car konsi hai.. Mast lag rhi

  • @chaturvediclassesagra
    @chaturvediclassesagra 25 дней назад

    Sir ₹500 ki sip kaun se Broker se kar sakte hai?

  • @shivanigoyal8640
    @shivanigoyal8640 25 дней назад

    ♥️♥️

  • @nishakochar7327
    @nishakochar7327 25 дней назад

    The content is very basic, you could have covered this in short also.
    Also, I doubt if the calculation of direct vs regular funds is correct?
    I calculated it, the figures are wrong. Can you guys recheck?

  • @Odia_bhaina
    @Odia_bhaina 25 дней назад

    Better to pause sip in one fund and start anther fund entirely

  • @sameeh.
    @sameeh. 25 дней назад +1

    Like this commemt
    If u want salary hike for abhishek
    12:15 👊