Sir my portfolio is unbalanced, please suggest some funds to balance them and what to expect from my portfolio; I have seen many videos but not been able to balance my portfolio. Please answer this in your Q&A. My idea for my goal is to gather a large corpus over the period of 7+ years by taking some risk and getting good returns. 1. Axis Long Term Equity. 2. HDFC Small cap funds. 3. Sundaram Rural India Consumption fund.
Fifteen Big Investor Mistakes 1> Wrong idea about averaging ruclips.net/video/H4W-tCTLIZE/видео.html 2> Waiting for a suitable time to invest Dip Investing: freefincal.com/buying-on-market-dips-how-effective-is-it/ Nifty Valuation Tool: freefincal.com/nifty-valuation-tool-stock-market-expensive-cheap/ 3> Expecting a return from investments! ruclips.net/video/zi8GCi7aEpM/видео.html My audit: ruclips.net/video/Vy5J0CTVaYE/видео.html 4> Overconfidence based on past data 5> Feeling the need to know more about every new NFO 6> Suffering from small exposure syndrome ruclips.net/video/ChJgsfBKh2k/видео.html 7> Not having yardsticks for judging big or small 8> Assuming tracking investments is important! 9> Information is power freefincal.com/information-diet/ 10> More risk = more returns ruclips.net/video/G_p_3xn02_c/видео.html 11> short term losses does not matter, long term will be 'okay' ruclips.net/video/GruEpZFBvQg/видео.html ruclips.net/video/3ypoq7P-5YM/видео.html 12> locking up money is good else it will get spent 13> Assuming investing in stocks is better than mutual funds 14> Assuming we can understand fund manager decisions 15a> Market timing is not possible ruclips.net/video/m9nT_Ik4nOM/видео.html 15b> Market timing will lead to more returns ruclips.net/video/uc6n72Owu4I/видео.html
Sir, What should we have : minimal portfolio for every goal or one portfolio for all goals?? Absence of this understanding, we generally just add funds randomly..
I have figured your pattern 2 points were still new for me. It's amazing how in 5 -6 months watching ur video around 7 has strangely become a part of my routine. Keep up the gd work👍🏻
I really wish I could go back in time, find the college where you are teaching and sit in your classes, listening to you... So nice to hear you with an honest view on the financial markets and the products
Question : Downside protection - Is it fund level or overall portfolio. Combo 1 : Aggressive Hybrid fund + Debt fund Combo 2 : Pure Index funds + Debt fund My understanding, the both above combos, Downside protection is achieved. Why not Pure index funds in place of Aggressive hybrid fund. At least you can save low expenses compare to Hybrid funds.
Given what happen to franklin. do you think buying same bluechip from axis, hdfc, icici might help diversify (not averaging) my portfolio. Wanted your view upon this. Should I stick with one large cap or no harm in buying 4 large cap mutual fund.
A retiree with cash wishes to generate tax free income after maxing the tax free amount for retiree FD? Say 50L. I saw your post on generating tax free income from arbitrage. Can we do a mix of arbitrage and short term bond funds? Like for example say - withdraw year 1, year 2 from arbitrage corpus (5-6ish%) , year 3 from debt corpus (7ish%) , year 4 from arbitrage and year 5 from FD (7ish%) , year 6 from debt and the cycle goes on . This will essentially prolong the arbitrage corpus as well as save on the tax from debt mutual funds and FD. Kindly advise if such a thing was possible and what percentage of allocation should be done for each of these 3 corpus as a portfolio management for retirees.
Sir I like the way you communicate the message straight upfront. I started following and sharing your videos to others. Really useful information. Hope more people watch it and follow you to get their investments right.
I never committed the first mistake at least. My portfolio has 0% overlap. I have four funds : UTI Nifty 50, ICICI Nifty Next 50, Motilal Oswal Nasdaq 100 FOF and Kotak Gold Fund
@@ravichandrankulandaivelu5896 For long term (more than 10 years) it's very difficult for any active fund to beat the Index Fund. Nifty 50 Index Fund & Nifty Next 50 Index Fund are very good for long term investments. Yes, Index Funds are equity funds only which tracks an underlying index.
Question: If my goal is 15 years away and had Just Started Accumulation for that purpose Can i have all Equity portfolio for 2-3yrs and then start Adding Debt part and Gradually Reducing the Risk.
@Pattu sir! Can you do a video or analysis of the performance of an AMCs stock Vs the performance of its funds. Are these comparable? Or is there a relation between them?
Hey Sir, these videos of yours are a jam. I request you to make a video about the things to learn as a beginner in mutual funds. Everything a mutual funds investor should know. You can make a series of these videos. It will help us a lot.
Thank you for all information. Because of you and Ashal i have made DIY investments. I already stopped reading your blog. But I like to see /listen your videos. 🙏🙏🙏
I should confess that I check my wealth many times a month, I should do it quaterly. For my stock portfolio it works great because when any stock has fallen around some support I add or any over reaction. I expect over reaction of confirmation of unemployment and lower GDP by Govt. I have funds and I'll add. Of course I watch either my research was wrong or any other thing has changed I am always ready to change. You said correctly that you are not as informative as before because I also follow same pattern or direction as yours. But I am emotionally connected with you teacher I don't know how. I hadn't wrote as big reply or comment to any person before.
One of my very good friends in Pune sounds and talks exactly like you, especially in academic settings. I can't get myself to call you Pattu sir .. since you remind me of him a lot. I'll use "dude" .. because that kinda stuck. Dude .. it is an absolute pleasure watching your videos. My financial mode of operation is close to how you generally recommend it across your videos. But I seem to learn so much from these! I will make a sincere effort to stop watching my investments and spend the time on something else. Although, COVID has made it really difficult to stay away from investing apps and AMC websites. Thank you for the effort you've put in :)
Lolll... You know what.. i stopped watching comedy series or web series, when i work i just turn on your channel and place it loud it speaker... You are hilarious and i laugh morlat of the time and its also productive. Oru kallu la rendu maanga... 😂😂 Keep it up..
Mistakes of market You can't average out by buying same funds There is no suitable time to invest Don't expect 4-5% more return than inflation Don't get amazed by past returns Don't feelthe need to know more about new product Focus on big things Don't track so much Stop thinking is information is power , its knowledge which is power More risk is not equal to more returns Short term loss or gains does not means long term returns will be okay Locking money is shit Not always stocks > mfs Don't assume u know the fund managers just outsource it and chill Market timing matters with big money and big drop in market
Prof. I had a question relating to point 4. My parents are in their 60s and have a significant corpus invested in equities. Given the current political scenario (BJP having won the LS election and the industry/market being buoyant as a result) they are of the opinion that from now on the market is gonna rise only. They are also of the opinion that you need to buy good companies and forget it. Invest for the long term. However, I have my doubts about this strategy. There is no guarantee that the market will not be in the dumps when they actually need the money. So, given their age, I feel its best to book profits (at least 50% portfolio) and get out of equities and invest in relatively risk-free/safe products. What would you suggest in such a scenario? Appreciate your work. Thank you.
Remember whenever you listen thing like that from anyone don't put all your money when everyone is as bullish as written by you. You can see in past and you will in future too. I can't say for this time but I am not bullish at these levels for short term. Do actually opposite what retail investors are doing in stock market.
![GEEK TIMË [OFFICIAL AUDIO]](http://i.ytimg.com/vi/ry-6RvkH880/mqdefault.jpg)
This channel should ideally be the one to have a million subscribers. Great content and a dedicated mentor and kindred spirit at the helm of things.
Even if my financial planning is done, I will be coming and rewatching these videos. Thanks for your genuine efforts 🙏
If you have any questions on portfolio management please leave a comment. I will answer in the Q & A video tomorrow or Monday
Sir my portfolio is unbalanced, please suggest some funds to balance them and what to expect from my portfolio; I have seen many videos but not been able to balance my portfolio. Please answer this in your Q&A. My idea for my goal is to gather a large corpus over the period of 7+ years by taking some risk and getting good returns.
1. Axis Long Term Equity. 2. HDFC Small cap funds. 3. Sundaram Rural India Consumption fund.
Fifteen Big Investor Mistakes
1> Wrong idea about averaging
ruclips.net/video/H4W-tCTLIZE/видео.html
2> Waiting for a suitable time to invest
Dip Investing: freefincal.com/buying-on-market-dips-how-effective-is-it/
Nifty Valuation Tool: freefincal.com/nifty-valuation-tool-stock-market-expensive-cheap/
3> Expecting a return from investments!
ruclips.net/video/zi8GCi7aEpM/видео.html
My audit: ruclips.net/video/Vy5J0CTVaYE/видео.html
4> Overconfidence based on past data
5> Feeling the need to know more about every new NFO
6> Suffering from small exposure syndrome
ruclips.net/video/ChJgsfBKh2k/видео.html
7> Not having yardsticks for judging big or small
8> Assuming tracking investments is important!
9> Information is power
freefincal.com/information-diet/
10> More risk = more returns
ruclips.net/video/G_p_3xn02_c/видео.html
11> short term losses does not matter, long term will be 'okay'
ruclips.net/video/GruEpZFBvQg/видео.html
ruclips.net/video/3ypoq7P-5YM/видео.html
12> locking up money is good else it will get spent
13> Assuming investing in stocks is better than mutual funds
14> Assuming we can understand fund manager decisions
15a> Market timing is not possible
ruclips.net/video/m9nT_Ik4nOM/видео.html
15b> Market timing will lead to more returns
ruclips.net/video/uc6n72Owu4I/видео.html
Sir,
What should we have : minimal portfolio for every goal or one portfolio for all goals??
Absence of this understanding, we generally just add funds randomly..
I have figured your pattern 2 points were still new for me. It's amazing how in 5 -6 months watching ur video around 7 has strangely become a part of my routine. Keep up the gd work👍🏻
We laughed so hard for 8th mistake. Love the harsh way of teaching.
"I watch everyday but I don't do anything"😆
I really wish I could go back in time, find the college where you are teaching and sit in your classes, listening to you... So nice to hear you with an honest view on the financial markets and the products
not everybody can pass JEE, sadly.
I have never ever come across more honest person than you in my life and in public. Admire it, Love it. Worship it.
Thank you
Thank you RUclips for suggesting this channel...trust me, it will completely change your thought process about stock market
The MOST honest guy in finance out there! Kudos
Question :
Downside protection - Is it fund level or overall portfolio.
Combo 1 : Aggressive Hybrid fund + Debt fund
Combo 2 : Pure Index funds + Debt fund
My understanding, the both above combos, Downside protection is achieved. Why not Pure index funds in place of Aggressive hybrid fund. At least you can save low expenses compare to Hybrid funds.
Given what happen to franklin. do you think buying same bluechip from axis, hdfc, icici might help diversify (not averaging) my portfolio. Wanted your view upon this.
Should I stick with one large cap or no harm in buying 4 large cap mutual fund.
If I review my fund every X years, then should I consider just the last X years performance or from the time I started investing?
A retiree with cash wishes to generate tax free income after maxing the tax free amount for retiree FD? Say 50L. I saw your post on generating tax free income from arbitrage. Can we do a mix of arbitrage and short term bond funds? Like for example say - withdraw year 1, year 2 from arbitrage corpus (5-6ish%) , year 3 from debt corpus (7ish%) , year 4 from arbitrage and year 5 from FD (7ish%) , year 6 from debt and the cycle goes on . This will essentially prolong the arbitrage corpus as well as save on the tax from debt mutual funds and FD. Kindly advise if such a thing was possible and what percentage of allocation should be done for each of these 3 corpus as a portfolio management for retirees.
Excellent and insightful, as I was making quite some mistakes that I realised.
Sir I like the way you communicate the message straight upfront. I started following and sharing your videos to others. Really useful information. Hope more people watch it and follow you to get their investments right.
Most rational personal finance guy out there.
I never committed the first mistake at least. My portfolio has 0% overlap. I have four funds : UTI Nifty 50, ICICI Nifty Next 50, Motilal Oswal Nasdaq 100 FOF and Kotak Gold Fund
Pls advice for index fund or active equity fund is suitable for long term. is it index fund is equity fund
@@ravichandrankulandaivelu5896 For long term (more than 10 years) it's very difficult for any active fund to beat the Index Fund. Nifty 50 Index Fund & Nifty Next 50 Index Fund are very good for long term investments. Yes, Index Funds are equity funds only which tracks an underlying index.
Question: If my goal is 15 years away and had Just Started Accumulation for that purpose Can i have all Equity portfolio for 2-3yrs and then start Adding Debt part and Gradually Reducing the Risk.
Thanks Pattu for good informative video. Please post video comparing ELSS VS NPS. Thanks Again!!.
@Pattu sir! Can you do a video or analysis of the performance of an AMCs stock Vs the performance of its funds. Are these comparable? Or is there a relation between them?
Your narration is so strong and based on facts, the value u share is priceless..
Hey Sir, these videos of yours are a jam. I request you to make a video about the things to learn as a beginner in mutual funds. Everything a mutual funds investor should know. You can make a series of these videos. It will help us a lot.
Another mistake, I wanted to point out, investing for tax savings alone without having any goal and without knowing product. Thank u for nice video
I love these videos. They're educational and hilarious at the same time.
Hahaha - prof is flabbergasted - he tired of everyones investing shit. I love it !! 😂
Pheww,, So true hard truths on our face, thanks. God give us emotional strength to abide by these 🙂
Thank you for all information. Because of you and Ashal i have made DIY investments.
I already stopped reading your blog. But I like to see /listen your videos.
🙏🙏🙏
I should confess that I check my wealth many times a month, I should do it quaterly. For my stock portfolio it works great because when any stock has fallen around some support I add or any over reaction.
I expect over reaction of confirmation of unemployment and lower GDP by Govt. I have funds and I'll add. Of course I watch either my research was wrong or any other thing has changed I am always ready to change.
You said correctly that you are not as informative as before because I also follow same pattern or direction as yours.
But I am emotionally connected with you teacher I don't know how.
I hadn't wrote as big reply or comment to any person before.
Appreciate that!
Brother, you just virtually slapped me saying "go get a life" .. and guess what, I'm thankful for that.
I've never seen a youtube channel asking its viewers not to watch their channel xD
One of my very good friends in Pune sounds and talks exactly like you, especially in academic settings. I can't get myself to call you Pattu sir .. since you remind me of him a lot. I'll use "dude" .. because that kinda stuck.
Dude .. it is an absolute pleasure watching your videos. My financial mode of operation is close to how you generally recommend it across your videos. But I seem to learn so much from these! I will make a sincere effort to stop watching my investments and spend the time on something else. Although, COVID has made it really difficult to stay away from investing apps and AMC websites. Thank you for the effort you've put in :)
@freefincal :- Reminds me of my thatha's alapparai Mr. Pattu :-)
Still good one!!! Binge watching :)
Good content and points .."leave money alone "..
This might be the best video on your channel 😀
Pattu sir, thank you. Very wise advice.
Pattu thanks for this video and honest confession
Superb video. 15 different points to think hard. Homework for this week :-)
12:35 I watch everyday but I don't do anything..!! 🤣🤣
You're so passionate. Wow. ❤️❤️
I will like to know about Ur investment portfolio sir
Lolll... You know what.. i stopped watching comedy series or web series, when i work i just turn on your channel and place it loud it speaker... You are hilarious and i laugh morlat of the time and its also productive. Oru kallu la rendu maanga... 😂😂 Keep it up..
Awesome knowledge
Useful info. Thank you!
Never seen honest as YOU!!!
Great content
Vera level bosssss
Very informative video, thanx
Excellent....
I am investing for 4 year now,but watching your videos ,I want my portfolio to be reviewed by you ,sir
Tell me a procedure to contact
I do not offer investment advise
@@pattufreefincal ok
Mistakes of market
You can't average out by buying same funds
There is no suitable time to invest
Don't expect 4-5% more return than inflation
Don't get amazed by past returns
Don't feelthe need to know more about new product
Focus on big things
Don't track so much
Stop thinking is information is power , its knowledge which is power
More risk is not equal to more returns
Short term loss or gains does not means long term returns will be okay
Locking money is shit
Not always stocks > mfs
Don't assume u know the fund managers just outsource it and chill
Market timing matters with big money and big drop in market
Watch everyday but wont do anything to my PF... hahhahah.. Ultimate..
Great content 👍👍👍👍👍👍👍👍👍👍👍👍
wonderful sir ....all your tips
Sir I really liked this video. Succinct
Pattu Thug Life 12:37 💥🤣
Nice video sir👍
Probability is never zero i had read in maths?
"I'm no longer useful", "Go Get a life"..OMG, your open talks are making me laugh like anything..
👏👏👏👏👏
Promise to not buy any product that interferes with me viewing this video. Country Delight, Fresh Home etc
6:32
Prof. I had a question relating to point 4.
My parents are in their 60s and have a significant corpus invested in equities. Given the current political scenario (BJP having won the LS election and the industry/market being buoyant as a result) they are of the opinion that from now on the market is gonna rise only.
They are also of the opinion that you need to buy good companies and forget it. Invest for the long term.
However, I have my doubts about this strategy. There is no guarantee that the market will not be in the dumps when they actually need the money. So, given their age, I feel its best to book profits (at least 50% portfolio) and get out of equities and invest in relatively risk-free/safe products.
What would you suggest in such a scenario? Appreciate your work. Thank you.
Remember whenever you listen thing like that from anyone don't put all your money when everyone is as bullish as written by you.
You can see in past and you will in future too. I can't say for this time but I am not bullish at these levels for short term. Do actually opposite what retail investors are doing in stock market.
Useful info. Thank you!
Great information