Top 10 Rules of Investing I used to Build a 3 CRORE Portfolio
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- Опубликовано: 4 авг 2024
- In this video, I talk about my own journey to building a ₹3 crore portfolio through long-term investing.
Previously, I used to be all about actively trading stocks, glued to the screen, constantly stressed. Let me tell you, it wasn't fun!
Now, I focus on a calmer approach, one that lets me sleep at night.
We'll dive into the 10 key rules I follow, but the core of it is this: forget the short-term noise, and build a diversified portfolio for the long haul.
We'll talk about ETFs, index funds, and how I spread my money across large, mid, and even some small-cap funds.
And of course, I can't resist a tiny allocation to some actively managed small-caps for that potential growth!
They say "buy, borrow, die" is the key to wealth for some families.
There's truth to that, but it's a marathon, not a sprint. We'll talk about that strategy too.
And don't let taxes scare you! I'll share some tips on minimizing it.
The ultimate goal here? Building passive income streams that free you up from the daily grind. Imagine having the freedom and flexibility to truly live life on your own terms!
This video is just the beginning. We'll dive deeper into building those passive income sources in a future video, so stay tuned!
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Timestamps:
0:00 Introduction
0:45 Do Not Trade
3:50 Rule No 2
5:17 My Holdings
8:24 Do Not Follow the Market
11:13 Do Not Try to Beat the Market
13:20 Rule No 5
16:53 Rule No 6
19:19 Split your Portfolio
21:10 Automate your Investments
22:52 Do Not Sell
26:16 Build Passive Income Sources
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Links:
💼 Let's connect on LinkedIn: / rishabhdev
📸Catch me on Instagram: / remoterish
🌟Follow my Twitter journey: x.com/reachrishabh
💬 Join my WhatsApp Community: bit.ly/freedom-investing
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I accidentally came across this channel, and the entire time i had the feeling that it would be having lakhs of subscribers, judging by the quality of the content. I was surprised that by the time im writing this comment, its only 10k subscribers. I hope your channel reaches more people. Please keep on posting new content.
Thank you, if you came a month earlier it would’ve been half of that count :)
Really appreciate it, I’ve recently starting posting consistently and comments like these are great to read
I just want to remember that I subscribed to this channel at around 6.67K subscriber count. I'm sure the number will soar high.
Love the optimism!
While I'm not driven by number of subs, it's really cool to see it growing as I can see more people can get value
Man you are living life that I will (want) to live in next 2-3 years.
Wish you the best
Really informative !!!!! Loved it. So much to learn. Very simple and effective ❤
Great I wish I had something like this before I started too :) that’s the motivation to make it
I have no doubts - It's PGIM India Midcap opportunities Fund and Kotak emerging equity fund 😊 I have been following you for very long time and implementing your strategies on my investment 💐 Thanks for making this video 😊
Thanks for insightful video once again 👌.
Answer: ICICI Midcap fund
Hi Rishabh, really like and appreciate your honest videos and your focus on keeping things simple. This is how I do my investing though it's not as simple as per your liking :
1. Did one PMS fund
Objective: It is a cap-agnostic fund where-in I can get exposure to wide footprint of companies. Once a year I might consider feeding small amount into this, but not mandatorily.
2. Do monthly sips actively managed funds: They r 1 large cap, 2 flexicap, 2 midcap.
Objective: Diversify in midcap and flexicap space. I haven't taken any smallcap focussed fund as I will be having that exposure as part of my PMS to large part and flexicap to a small extent.
3. Whenever I happen to get more money and if there is a 4-5% market correction for whatever reasons, I buy niftybees.
Objective: Take advantage of market crashes and ETFs better capture that instead of an index funds.
Great idea to buy nifty bees in corrections. I also think simplicity if subjective. As long as it’s clear and easy for you to manage it’s simple for you and that works :)
Thanks for sharing your journey. Truly inspiring. I want to know more about the "Buy, Borrow, Die" Strategy.
yes I'm planning to make a separate video on this topic as many people in the comments section are more worried about tax than growing their investment portfolio.
the strategy is really cool but I'm waiting to practice it myself because actually making the video
I don't make any videos on this channel that I haven't achieved myself first
Very useful nd a honest content.. I am coming behind u to achieve the portfolio growth ✨️
Absolutely, we're all on different points on the same journey.
Accidently reached h Amazing channel keep up the good work ❤ i love the way you say RUclips is your hobby - grow high🥳
Oh so happy to hear that! Stay tuned :) will be posting a new video every Friday
It takes courage to show the portfolio with value to public. Simple answer effective investment
Thanks Sandeep! Yes, once we’re clear our portfolio is our own journey it’s ok to share :)
Thank you, Rishabh for sharing the investing Rules. One that I learnt and follow is The "Buy, Borrow, Die" strategy!
Amazing! I'll be making a separate video on that sometime in future
@@remoterish Great, looking forward to it.
I remember from your last video you selected Kotak emerging equity fund although the fund manager is changed.
can you make a video about the sip in etf . I am doing that every month I am buying but I am loosing my avg point can it gave me benefit in long term. Becoz every time I have a good amount of return when I am buy some then avg point change and they cut my big amount of profit.
Please share your knowledge on the topic you mentioned - the spectrum of Passive to Active income. That would be interesting to watch
Rishabh you make great content. I resonate so much with what you talked about.
Thanks Karan, good to connect with like minded people. Happy to have you here!
I agree, you have made good points ❤
Nice and to the point video!
What Do you think on taking a loan and then invest them?
I’ve never done that
I think you are the only finance advisor who had the guts to say "unfollow me too" lol!! But I just followed you after listening to this .. Please keep going...
Great insights about index investing. Need a suggestion that i build a active funds for the last 3 years...should i have to atop that and start index funds fresh...? Need your suggestions
It really depends I don’t offer personal finance advice
Kudos for nice presentation and a practical advice which comes with real world experience.
Thanks for watching!
Excellent video. Clarity of thought.
Appreciate it! I do believe clarity is most important to gain intuitive understanding of things
This content is just pure gold 👌🏻
Appreciate
Please give your opinion on quant mutual funds for 20+ yrs long term investment.
Really liked your strategy, very similar to what I follow for equity. For debt, given I earn from my salary, I have put substancial amounts in EPF(via vpf and NPS). Also love SGBs as alternate investments.
Yes I also have SGBs they’re solid!
Firstly, love your content. Very minimilastic feedback about the market and more focussed on growing your income.
I would love if you also gave a deeper perspective on how you built and grew your business too.
As for your midcap fund, you do have PGIM India midcap opportunities but since you keep 2 small-cap funds, I believe you have 2 midcap as well. Probably Kotak emerging equities.
On a side note, your daughter is really cute and I'm glad you also show what true financial independence actually means.
Lots of love and awaiting your next video.
That's a very well rounded comment, and a very good guess on the fund as well
And you're right I have 2 mid cap mutual funds
I will reveal the names of the funds and the winners on next Friday's video!
Is Navi mutual fund next 50 not accepting fresh sip ?
Kotak alpha 50 etf is it good?
Kotak emerging equity fund is the one activey managed fund that you do sip in😊
I will share the answer and winners on the next video :) Entries until this weekend accepted!
Kotak emerging equity fund - mid cap
I like rule 2 and tax rule .. please do more on them for a fresher
Yes, I'll be happy to make separate videos on each of the rules that people want to see. Noted on Rule 2 and the tax rule.
Great Content! Do not sell was a great rule. Can you please make videos on these topics - staying invested, investing discipline and how to avoid selling ( does emergency fund helps avoid selling? Where should emergency fund then be parked ? FD? Debt funds or large cap mutual fund?)
Thanks, and noted on these topics will include them in the upcoming videos. Check the latest video which covers the investing discipline part.
Hi @Rishabh
Best financial advice I got in the recent times...
Many thanks for posting wonderful life lessons.
And Do you have the Nippon India Growth fund for the actively managed midcap fund, (since you have all almost all other Nippon funds)
And I would like to know more about the Rule9 Buy Borrow Die Strategy.
Also, I am not in favour of the Don't Sell strategy. Once we have achieved our goal, we should start spending for the upliftment of the society that gave us all the wealth.
Appreciate the detailed comment.
I want to give you a hint that I don't have Nippon for all my investment categories :)
Do you want to try once more?
@@remoterish So nice of you giving me another chance. Don't want to lose this time.
Any two of the below options 🙂
Quant Mid Cap Fund.
Kotak Emerging Equity Fund.
PGIM India Midcap Opportunities Fund.
HDFC Mid-Cap Opportunities Fund
Hey Rishabh, great video !!
Wanted to know your views about renting vs buying home.
What have you done? If you bought, what rules did you follow etc.
I feel this is something everyone should take their own call on. Think from both logical as well as emotion perspective. We brought the apartment where we live and another one for Airbnb cash flow.
Great video!
Thank you 🙏
Great & Genuine investing advice ever seen on internet❤
Thank you so much, that’s my main reason for this channel
Don’t trade. Not bcoz it may incur loss, but surely will consume your time. Man, happy to hear this.
Loss in time and energy is way more harmful than loss in capital
Good outline to live peacefully, healthy and comfortably at home with family.
Thanks and Warm Regards
Dr Atul Gupta 🙏
Thank you!
Nice to hear from you.
I will dive more into your videos and would like to learn how I can rearrange my work system as retainer freelancer for hospital.
I have to shift next year where my family shifted due to job obligation of spouse and I am almost financially free for investment purpose and only thing I have to work for current expenses. So now I can spend more time on RUclips and creating parenting courses and finally start selling that.
Plus group coaching and live coaching for parents child duo and separately.
Also creating a course for stress free preparation for entrance exams and remaining healthy during preparation.
Thanks and Warm regards 🙏😊🙏
That’s great. Sounds like you have a good funnel in mind and creating content to fuel the same. All the best
@@remoterish Thanks for Encouraging words.
Hope I will make it by next year.
Best Wishes 💐💐💐
Warm Regards 🤗
I think the midcap fund is- PGIM india midcap opportunity fund
is it "HDFC Mid-Cap Opportunities Direct Plan-Growth"?
If RUclips is your hobby then why are you running ads??? Don’t run ads.. it will be helpful the viwers.
Get youtube premium. It was a great investment for me
You are kind of ppl who try to find one or the other thing even in the good content. Concentrate on the content.
Motilal oswal midcap fund?
Pgim india opportunities and kotak emerging. Would love to speak to you in person. Thank you for the wonderful content
Thanks for this great video. One question, which platform to use for international ETF exposure like Nasdaq 100 etc?
I buy the MON100 ETF on kite. Apart from this I use wise for my Singapore co that keeps the company balance invested in a broad market index fund in the US
The way you talk and explain calmly is something we miss in this personal finance space. Thanks for sharing your journey it really helps one who is on the same goal as yours. Keep posting vids ❤️
Thanks for pointing that out. Since investing is a long game, it's better to do it with calm and peace so we can stay on track. I am not a fan of videos promoting FOMO and saying "this is the last chance" to buy this or that. It just creates more stress in the world.
Thank you so much for great content Rishabh.
Pls create a detailed video on large lumpsum investment at current market levels. Example is 1 Cr as lumpsum investment through index funds
I feel in any market it’s always preferable to have a staggered way of investing. I honestly didn’t pay much attention of what’s happening in the current market so the video idea didn’t occur to me. I have become insensitive to market ups and downs and even on my own portfolio.
Thank you so much 👍
I mostly do not lije the views expressed on share mkt by so callwd RUclips analysts. But your views are realistic and impressed me. Can you answer why stock of bajaj auto and tatapower have paid you the better than etfs. Have you invested money at same time in stocks and etfs? Can we draw conclusion that stocks pay better than etfs if chosen well. Please guide
Yes I think some of my stock picks have done way better than my ETFs. But the goal isn’t to beat the market, I just want to track the market as a long term play :)
PGIM India Midcap opportunities Fund direct plan is the one you have invested in
Excellent long-term investment strategy!
Thanks 🙏
Can you please share a video on the tax part. How you leveraged in terms of taxes by incorporating a firm in Singapore and why you still had a need to incorporate another company in India. How are handling the transactions between these 2 of them and where are you keeping your surplus money whether it is in the Indian company or in the Singaporean company.
That’s a personal question haha
Most important video!
Yes rules and principles are few, methods are many :)
I like the idea of "Freedom Portfolio". Did you or do you still live "Frugally" during your journey to this freedom? How did you balance it especially with your newly formed family?
Great question. First off, I'm lucky both me and my wife live simply. Children usually just follow how parents are. We're not tight on budgets. It's just something we enjoy and it's a way of life. I think to live simply is the biggest luxury. We often indulge in experiences and travel international but on a day to day basis we like to enjoy the simple things and nature.
Mirae Midcap ?
The way you teach things about investments through your youtube channel is amazing and admirable. I really wish i could do something similar for the public for free but unfortunately i don't have any expertise in investments and I'm just an amateur investor. The way you emphasis that living a happy, heathy life is far more important than investing is something very few financial advisors talk about in youtube. I Really appreciate your work brother.
Thank you, that’s an important message and I feel it should reach more people. It’s not always about making a return from the market. It’s more about living a fulfilling life while having your money grow. Appreciate your comments and support on my channel.
What is the safe limit to invest in ETF, considering liquidity problem!!
Interesting question, I feel ETFs are picking up in India and there's still a huge market to capture. You can consider index funds if you're worried about liquidity.
Pls suggest on zerodhan large mid cap 250 for next 10 yrs ... Will I sit in 10-20% profit ? Hypothetically
I’m not sure
I guss Your Active mid cap fund might be kotak emerging equity fund
I think mid cap fund is HDFC MID CAP OPPORTUNITIES DIRECT GROWTH
Quant mid cap?
Motilas oswal midcap fund you are investing ?
No
Rule 10 not clear, if I invest say 1L a month and passively make 1L a month, then assuming that my passive income goes into the investment, where do I get my monthly expenses from ? Given I leave my active income source.
Sorry about the confusion I meant making enough to keep the investments running while still covering your expenses.
Hey Rishabh Bhaiya... Nice content.. I am only 20 and am trying to learn and make early mistakes as much as I could...I have 40k in Savings and had surprisingly put the money in the similar way you did...I know its not so big...but I did it anyway to learn about personal finance early... My goal is to achieve the state of full freedom, that's what I could see you achieving... Money is just a tool to achieve freedom.. I would want to be in your disciplined thought process for my next crucial years to come.... Drop few lines if you ever see the comment
It's not about an amount being big or small. It's the process which matters. I appreciate you starting on this journey and wish you the best for your financial future 🙏
Plain , simple , clutter free.. congratz on reaching 3cr 🙂 Interested to know the time it took for you to reach 1 Cr , 2CR and 3CR
Yes I’m making a video on this! It’ll be up on Friday :)
Answer- Kotak emerging equity fund is the one actively managed mid cap fund you invest in 😊😊
You midcap should be hdfc midcap opportunities fund
Your monthly SIP amount is so much that I cannot think of doing it the same amount for one time investment.
The amount isn't as important as the principles. It's just a number on the journey. I hope you'll see all amounts you wish for and work for :)
Kotak emerging equity fund
Your investment style look senior citizen investment style.
Love it! That means I can stick to it for long :)
One correction,
Your consumerBees and HUL stock is a defensive sector, when market corrects drasticallly, defensive sector runs up.. so ignore if HUL stock price is not moving, their business is growing at 20% cagr!!!
8L of your invested value is acting as a hedge to your folio of 1cr.
Make comsumerbees upto 30L which will act as hedge to your 3cr folio with allocation of 10%
Interesting thought, not something I think about too much
Thanks for sharing!
I have a portfolio outside my equity investments too to hedge against equity
I think you have parag parikh flexi cap?
I had got some a lot time ago now it doesn’t fit with my strategy
Definitely Active Midcap Mutual fund will be : Motilal Oswal Midcap fund
Its my favourite midcap fund
How much sip u do monthly?
2+ lac
Quant MidCap ❤❤
Hi Rishabh, we are looking for digital marketing agency, how can we connect?
Sure you can write to us at raj@mapplinks.com
Answer- kotak emerging equity fund
I’ll announce the winners next Friday video
Your midcap fund must be either HDFC midcap or Quant Midcap
Lovely video.. changes the perspective.. even need not bother about beating the markets indices
I like Rule 10. Also please explain is it a good idea to invest in actively managed small cap funds during my wealth accumulation phase (till i reach that 1 cr) and then diversify to large and mid cap.
I feel small caps are pretty good if one has a 10 year investment timeline, mid cap 6-7 years, large cap 4-5 years.
@@remoterish i have a long term plan for financial independence and plan to retire early so a 15 year horizon to reach 10 cr is my goal.
All the best
6) motilal oswal midcap
I'm guessing your Midcap fund is "HDFC Mid-Cap Opportunities Fund".
Currently it's up by +33% in my portfolio, which is great. 😅🙌🏻 Hence, the guess.
That's a good return
Will reveal the name in next Friday's video :)
What are your thiughts about owning a house
I brought the apartment where I live.
Emotional decision ❤
Midcap fund -> Nippon india growth fund
if you do swing trade with this capital you can make more than 30-40 precent while doing swing trading only as when you sell at high , buy in every correction n buy stocks with huge volume let suppose if you invest 50lac per stock and that stock goes like 12-13 or 18-20 which is most likely to be possible you can easily make 8-9 lakhs per stock and you can grow your capital by that you should take more risk man
You can take it on my behalf haha I'm set.
Happy with whatever little i have
Hi Rishabh, can you tell me roughly - how much marriage costs?
We did a simple wedding over lunch. Not a fan of late nights.
I had actually talked to a financial advisor. According to him, a court marriage + party for the guests will cost 5L and if you want a decent marriage with all the major rituals and events, it can cost 15L - 20L (that too combined for both spouses). Apart from these estimations, there is no limit on how much max you can spend, on marriage. But, his overall advice was to keep the marriage expenses as low as possible.
Yes you could do a zoom wedding on a zero budget
Thanks, my mindset is very similar to you! Subscribed
That’s great to hear.
SBI small cap fund?
No but I like this fund
Quant Midcap fund
Quant mid cap fund
Answer: HDFC Mid Cap Opportunities Fund
Bhai 100cr kuch kaam nehi ho geya? I am planing for 1 B....:)
It depends on your personal goals. Thought compounding will help make it much easier to achieve larger numbers with ease. The smaller numbers are harder than the big ones
Kotak Mid Cap Fund
Axis Midcap Fund.
Atleast put a currency in front of 3 Cr. Is it Rs. or Dollars or Euro?
Once you know the rules you can apply them
axis mid cap fund
I disclosed the holdings in this video ruclips.net/video/FzI1Z-qVRpU/видео.htmlsi=kjsRkJJBaS2pRFDH
Kotak Emerging Equity
I trade and invest the profits, But all the strategies are automated and make around 20-35% Year. But I understand if its discretionary then its a big no for majority of People.
Yes that’s great if it’s working for you
Guess: Your mid cap fund is Kotak Emerging Equity Fund.
Kotak Emerging Equity Fund.
Your Midcap mutual fund name is Sundaram midcap mutual fund. I guess ..😅
I’ll announce the winners on the next Friday video
Can you improve your mic🎙️- sound is not thay much loud and clear
Noted, this Friday’s videos should be better. Adjusted the mic settings