after spending 14 years in direct stock market now I realized that mutual fund is the best option, and I started investing in HDFC flexi cap & shifting my money slowly to that fund. Thank you Sir, for your good guidance.
Pls share more on what made you move to mfund ..did you constantly incurr losses.. or was there a limit to which u made profit and then again stock went down etc ..unlike mfund where it only goes up n up with very long term mostly !
@@ben-uy1ud I invested in stocks and I am at 16% xirr after 4 yrs when nifty 50 is 10% down, happy that I don't have to pay any expense ratio on my stocks, MF wants you to invest blindly bcs they want 1 -2 annually from you that's y they push u so hard for sip ...
The only advantage of investing directly in stocks is “fun or excitement”. But it comes at a huge cost - peace of mind and your time and energy. The truth is that on longer term, MF returns will be superior than part time DIY investing - it’s boring though but comes with peace of mind and you can use your time and energy with your family!
@@malliyana201 you are right, do course correction, shift to another MF. Direct stock investment by retail investor is not tax efficient, not transaction efficient, not quality efficient.
@@malliyana201 the same applies to stocks too. Daalte raho stocks mein aur 6 months baad pata chalega ki govt. ne direct stock investing ke LTCG pe 30% tax laga dia, aur LTCG 3 yrs ka kar diya. There is no point in 'assuming' something will happen.
@@everest2nd main problem is people don't even know what return they are generating. Most demat/trading accounts do not show CAGR/XIRR. This is a trick they play, they show only the total returns percentage. If they show XIRR, people will realize after a few yrs that they are earning less than even FD. And most people are too lazy to keep track of all their transactions (with brokerage) and put them in excel and generate XIRR. Result, they keep on trading thinking they are beating the market and MFs while in reality it is the opposite. Point is, it is very very difficult to beat the index if you are a part-time investor/trader.
If your stock going up like 40-50% and come down to 10-5% and again up 60-70% and still you holding the stock believe me no body can stop you to be successful. To be success 70% need patience and 30% knowledge like gym 70% diet and 30% exercise. Don’t be oversmart like I will sell after 20% and will buy again when down. Market se jada smart khudko samjhna nahi hai.
I totally agree! Although I am a kid in the investment world, since I started doing SIPs in mutual funds, I am much more relaxed. Earlier I was not getting sleep and waking up at 7am to watch the news to see what was going on. great video!
Dear sir I am a retired person having around 25 years of investing in MF only. I have withdrawn most of the investment in year 2000 for my daughters marriage and then in 2018 for my sons migration to Canada. As of now having around 4 cr in MF and 50 lakhs in senior citizen savings scheme and PMVVy. Also having small rental income. As of now able to meet the expenses from the debt and rent. Since I retired end of 2023 I have opened a DMat account and invested around 15 lakhs in direct shares. During the year some of the shares were in red and hence sold the same and bought another shares. I am aware that my investment is for long term and also I should not be bothered for short term volatility. Since I have done the investment directly and when the stocks is in red feeling very tensed even though the return for the year is 35% in absolute terms. Also I am not much worried about underperforming this part of the investment. I am writing this to agree fully with your stand point on investment through MF instead of direct shares. My experience may be useful for small retail investors like me
Sir, MF also goes down as it's nav decrease. Overall u made 35 percent in stocks also. Only difference is stocks u will have to give your time and other is stocks are fun. 😅
Just do SIP in mutual funds for long term.... You will become richer than most of them. 100% guarantee 👍🏻👍🏻👍🏻 Just invest monthly any amount you have and let the compounding do its work🚀📈
Perfect analysis! I realised this problem with direct equity in year 2006-2007 after starting investment in Mutual Funds and Direct Equity in 2003. I closed my Demat account and started investing in Mutual Funds only. Later I opened the Demat account in 2018 but again realised the same issue. People are not able to digest it but it is true. In Direct Equity, they may see thrills because they can see most of the stocks (picked up after lots of research) giving more than 100% in a year but it is very easy to build wealth with much less involvement in Mutual Funds.
If you can’t invest 3-4 lacs in a single stock and you should not invest more than 10% of your portfolio in a stock. So stock picking is for those who can invest minimum 20lacs as a whole in stock portfolio.
Not everyone can invest 3-4 lakhs in a single stock. And who said stock picking is only for people who can invest minimum 20 lakhs ? I invest 20-30k in one stock each for small swings and make regular income. Someone can even start with 1k. This is relative to everyone's financial capacity.
@ 20k ka agar 30-35k ho bhi gya to kya ukhaad liya, spent time researching only to get 10-15k gain. Better to focus on your primary income and invest in MFs. Have gone through all this to telling it first hand.
the key is buying stock at correct valuation where we retail people lag and dont have expertise ...so its better to go with mf way than stock...the fund manager having 25% years of experience buys corret stocks with right valuations...
Do not just go with exact wordings, is like comparing apples and oranges. If you want to compare, compare professionally run mutual funds and stocks with pms or advisory services or small case
After investing for 4 years in stocks as well as in mutual funds, I realised it is better to invest in mutual fund. I am quitting investment in stocks and shifting to mutual fund and small case. Peace of mind is the best dividend paid...
I earned 18 Lakh profit from shares this year on my investment. Then lost 3 lakh and then 3 lakh again. So I am with the remaining 12 lakh absolte profit and have invested it in Mutual fund. I will agree that I have earned this in 4 months but there was no peace of mind. So MF is best.
Same story of mine! I did 20k in 40 stocks of nifty 100 which were corrected 15-20% from their ATH after 2 years of investment i came to know that my return was 22% and nifty 50 index return was 34% I suddenly stopped investing in individual stocks! I really appreciate this video!
Direct stock investment se bahut paisa banta hai ye 4 saal me dekh liya, ab samahaj me aaya ki mutual fund best hai ki line kyu boli jati hai, index fund se bhi kam return
Exactly don’t listen and follow blindly. Don’t go behind stock tips. Read concall. Research industries current trend follow concall every qtr and you’ll earn much more. The issue is no one wants to put that much effort if you are in that category han bhai mt kro direct stock investing mf is best but if you are willing to spend time and genuinely want to learn about industries bhai padho. Mf index ko bhi beat nhi kr pate then invest in stocks. Ye channel ka dhandha tbhi chalega jab tum iska course loge services loge to ye hamesha MF ki badhai krega. Baki jaisi jiski Shradhha
@@jain007neeraj thanks for the input brother 🙏. I'm invested in Asian paints, Bajaj finance,Aavas finance, HDFC BankKotak bank ,Coforge,Gmmfaudler,HUL,LTIM,Page industry,SRF,Sula vineyard,Titan, Jubilant food work.... But not able to beat the MF from last 3 year...now I'm thinking of my strategy...share goes up and again falls...now I'm thinking it's better that I should have dumped this money in MF ... perhaps would have generated 2X more than direct stock. My current %is only 12%
Your point view is 100% correct. I am a fan of you. After subscribing model portfolio, finally I have learned my lessons and kept my portfolio intact in the recent falling market.Thank you for your contribution for the new investors, please keep your education mission on and on.
Problem is people chasing stocks ipo at peak valuations based on tips and suggestions. You should put most of money in mutual funds and buy stocks only when you get at cheap value
When the market is down let's take a example, even the mutual funds returns would be down ,and in mutual funds it is very important to know about the fund managers experience, in which stocks, is the fund managers, investing with your SIP amount
4:07 I realised this few years back. Having peace of mind is more important than few extra percent of return. Example if I focus on market all the time managing all by selfI may loose my time with family, on my work. I will prefer to sip in mf so that i can focus on my family, work and skills which will be more rewarding.
My MF XIRR is 23.6434 and Stock is 37.0834 . Calculated in Excel. All my MF included, stocks include IPO's also. Not disciplined in Stock investing. Time not available. Increasing MF SIP.
I am damn sure, most of your stock return are due to ipo... same is with me also.. please calculate without IPO returns i am sure it wont beat FD returns.
Yeah, ipo stocks are in my portfolio. But what to be excluded from it, ipo allotted and sold on listing, ipo allotted still holding, ipo but purchased from secondary market , it's difficult to calculate . So I calculated when I debit my account.
Same i agree,my Xirr is 25, but i still see MF is good option at least for last year.... Ipo toh anyway you can buy apart from MF....it should less percentage
Mutual fund give better return because it has advantage of switching funds while if buy stock which you can't switch frequently govt. tax at stcg is more. Govt. Must think of it.
Sir , you are correct! but in 2021 0ct. I invested Rs.25 lac. in eq share mkt . now my P.F. shows 1.70 crors. apart from div. and bonus shares! I trust , investment in good shares of rep. co. gives us smart money! like tcs., kpit, Bosch, ultratech ,cdsl etc. but pations are important also! ! Now I converted my atten. in M.F. again ! like nippon, hdfc and icici groth !
Invest in stocks based on your knowledge and not how much you can invest without proper research. Ability to control emotions in stock market is a must.
Sebi on Tuesday 17.12.2024 notified a new asset class between portfolio management services (PMS) and mutual funds and has called it the 'Specialized Investment Fund' (SIF). According to Market regulator Securities and Exchange Board of India SEBI, The SIF asset class will accept investments of Rs 10 lakh or more across all investment strategies.
I started by mutual fund journey in May 2002 and, direct stock investments in Oct 2018. My mutual fund portfolio (which has 20% debt as well) is roughly 3 times that of my stock portfolio. So, far my mutual fund portfolio outperformed the BSE 500 index by 1.6% per annum, where as my direct stock portfolio is under performing the BSE 500 index by 0.7% per annum till date. It's very difficult to outperform the index (like BSE 500) over a long period of time, with direct stock investments. Other than the excitement and useless satisfaction of control over our stocks, very few will be able to outperform the index. I am thinking of shifting my stock money to my mutual funds over the next 12 - 15 months. What Parimal says is true.
When you compare stocks vs mf, you should also consider divident amount yearly which will increse the xirr slightly !! Mf you dont get anything until you redeem !!
मैंने ज्यादा satsng sun लिए, आज मार्केट गिर रही thi मुझे मजा आ रहा tha कि 2000 rs. के top up से ज्यादा unit मिलेंगे, वो बात अलग है 5000-6000 माइनस show करेगा पोर्टफोलियो आज 😂😅😊
Parimal ji, I have great respect for your passion to help the community, but I feel you’ve made a few assumptions here. As a sincere investor, I believe one should actively manage and control their investments, especially if they have the appetite and interest-not just for quick gains. This approach allows for learning, growth, and even mistakes while still achieving solid results. Mutual funds are excellent for passive investors with no time or intention to actively manage their money. However, your narrative might discourage those who have the potential to grow significantly through stock investments. For context, my mutual fund portfolio is about 10 years old, and my stock investments are only 4 years old, yet the money in both is almost equal now. My stock returns are 26% compared to 22% in mutual funds, and I’ve managed this without stress or losing sleep.
You will surely loose money in your stocks in coming 6-10 years. Your return after 10 years from now would always be better in MFs, I have been investing for 25 years. I used to think like you years ago. There have been a lot of reaserch on these in Harvard and MIT, which concluded that even full time celebrated experts can't beat the market, they are just lucky....
So sir should I take your Mutual fund only model subscription or growth model portfolio. Initially my plan was to go for the growth model portfolio, but it has both stocks and mutual. I am confused even more
It is definitely better than mutual funds because expense ratio is less and you can buy etf at market price instead of mutual fund where you get day end NAV, so you miss out on intra day swings.
I have now 80% in MF and 20% in stocks. The gains in stocks pays for big ticket payments and advance capital gain tax. But after a recent job switch, I am trying to buy and hold stocks vs. Trading but most of SIP and bulk money I have moved to MF.
Have a mix of both in your Portfolio. Out of these 2 Asset class, If you are considering to Invest say 100 Rs, Invest in MF- 70 Rs and in Stocks - 30 Rs for a good Financial Growth.
@parimal sir:- can you explain what is XIRR & how is it related to absolute gain? Or any video of yours, where you had explain this? After taking your portfolio subscription since 2022, i increased my MF contribution from 500 to 35000 in 2.8 years. I am hoping to keep same with 5% yoy increment for next 15 more years. Hope to get a peaceful retirement. Would be great help & thanks in advance.
Could be the case if the person try to mange stocks as MF portfolio. Stocks is more of active to get the extra return. Though in my case Stocks XIRR is 10% more than MF SIP Portfolio.
I have made XIIR of 56% in last 5 years in direct stocks and enjoy investing my money directly rather than giving to some body. My MF has given 28% CAGR in same time
![Noob To Max With DRAGON REWORK In Blox Fruits [FULL MOVIE]](http://i.ytimg.com/vi/LnBMOinoOvA/mqdefault.jpg)
One person on RUclips I can blindly trust is You! Thank you for being such a gem....
after spending 14 years in direct stock market now I realized that mutual fund is the best option, and I started investing in HDFC flexi cap & shifting my money slowly to that fund. Thank you Sir, for your good guidance.
How much cagr u received these yearsin direct stocks and in MF??
try researching about multi asset funds too.
Pls share more on what made you move to mfund ..did you constantly incurr losses.. or was there a limit to which u made profit and then again stock went down etc ..unlike mfund where it only goes up n up with very long term mostly !
For 🎉ipo allotment service 🎉 contact at my page and type ipo in any video
@@ben-uy1ud I invested in stocks and I am at 16% xirr after 4 yrs when nifty 50 is 10% down, happy that I don't have to pay any expense ratio on my stocks, MF wants you to invest blindly bcs they want 1 -2 annually from you that's y they push u so hard for sip ...
The only advantage of investing directly in stocks is “fun or excitement”. But it comes at a huge cost - peace of mind and your time and energy. The truth is that on longer term, MF returns will be superior than part time DIY investing - it’s boring though but comes with peace of mind and you can use your time and energy with your family!
Haan haan dalte raho paisa parag parikh aur quant mein, aur 6 months baad pata chalega ki gormint ne naya rule banaya ki phoren investment not allowed, aur parag parikh gaya kaam sein. Phir pata chalega ki quant ne front running kiya aur uske baad quant bhi gutter mein gaya. Kya ghnta piece of mind, mutual funds aaj kal stocks se bhi zyada tension de rahe hein.
😂
@@malliyana201 you are right, do course correction, shift to another MF. Direct stock investment by retail investor is not tax efficient, not transaction efficient, not quality efficient.
@@malliyana201 the same applies to stocks too. Daalte raho stocks mein aur 6 months baad pata chalega ki govt. ne direct stock investing ke LTCG pe 30% tax laga dia, aur LTCG 3 yrs ka kar diya. There is no point in 'assuming' something will happen.
@@everest2nd main problem is people don't even know what return they are generating. Most demat/trading accounts do not show CAGR/XIRR. This is a trick they play, they show only the total returns percentage. If they show XIRR, people will realize after a few yrs that they are earning less than even FD. And most people are too lazy to keep track of all their transactions (with brokerage) and put them in excel and generate XIRR. Result, they keep on trading thinking they are beating the market and MFs while in reality it is the opposite.
Point is, it is very very difficult to beat the index if you are a part-time investor/trader.
If your stock going up like 40-50% and come down to 10-5% and again up 60-70% and still you holding the stock believe me no body can stop you to be successful. To be success 70% need patience and 30% knowledge like gym 70% diet and 30% exercise. Don’t be oversmart like I will sell after 20% and will buy again when down. Market se jada smart khudko samjhna nahi hai.
m doing that. i buy at down and sell at high. exactly after my selling srocks come down to my buying price
For 🎉ipo allotment service 🎉 contact at my page and type ipo in any video
I totally agree! Although I am a kid in the investment world, since I started doing SIPs in mutual funds, I am much more relaxed. Earlier I was not getting sleep and waking up at 7am to watch the news to see what was going on. great video!
Seriously I'm tired of checking my stock portfolio daily, I have started to move money from stocks to Mutual funds.
Same here
Very less headache
Same
Can someone please advise how to start shifting from stock to MF systematically
Good decision
Dear sir
I am a retired person having around 25 years of investing in MF only. I have withdrawn most of the investment in year 2000 for my daughters marriage and then in 2018 for my sons migration to Canada. As of now having around 4 cr in MF and 50 lakhs in senior citizen savings scheme and PMVVy. Also having small rental income. As of now able to meet the expenses from the debt and rent. Since I retired end of 2023 I have opened a DMat account and invested around 15 lakhs in direct shares. During the year some of the shares were in red and hence sold the same and bought another shares. I am aware that my investment is for long term and also I should not be bothered for short term volatility. Since I have done the investment directly and when the stocks is in red feeling very tensed even though the return for the year is 35% in absolute terms. Also I am not much worried about underperforming this part of the investment. I am writing this to agree fully with your stand point on investment through MF instead of direct shares. My experience may be useful for small retail investors like me
Very Helpfull for Me sir,
who is 21yrs
It's very helpful, thanks for sharing your experience...it helps us to take right action..
Thank you for sharing your experience Sir!
Sir, MF also goes down as it's nav decrease. Overall u made 35 percent in stocks also. Only difference is stocks u will have to give your time and other is stocks are fun. 😅
Awesome journey sir.
It’s less about % return, more about the process of investing.. in term term, learner’s always succeed
Parimal sir.. .more than your financial knowledge, i am fan of your life lessons. They are a gem. Its soo good to listen to them 😊
. . . Meri vajeh se hi market chal raha hain. . . Most funny and relatable.
Just do SIP in mutual funds for long term.... You will become richer than most of them. 100% guarantee 👍🏻👍🏻👍🏻 Just invest monthly any amount you have and let the compounding do its work🚀📈
Perfect analysis!
I realised this problem with direct equity in year 2006-2007 after starting investment in Mutual Funds and Direct Equity in 2003. I closed my Demat account and started investing in Mutual Funds only. Later I opened the Demat account in 2018 but again realised the same issue.
People are not able to digest it but it is true. In Direct Equity, they may see thrills because they can see most of the stocks (picked up after lots of research) giving more than 100% in a year but it is very easy to build wealth with much less involvement in Mutual Funds.
If you can’t invest 3-4 lacs in a single stock and you should not invest more than 10% of your portfolio in a stock. So stock picking is for those who can invest minimum 20lacs as a whole in stock portfolio.
Not everyone can invest 3-4 lakhs in a single stock. And who said stock picking is only for people who can invest minimum 20 lakhs ? I invest 20-30k in one stock each for small swings and make regular income. Someone can even start with 1k. This is relative to everyone's financial capacity.
@ 20k ka agar 30-35k ho bhi gya to kya ukhaad liya, spent time researching only to get 10-15k gain. Better to focus on your primary income and invest in MFs. Have gone through all this to telling it first hand.
the key is buying stock at correct valuation where we retail people lag and dont have expertise ...so its better to go with mf way than stock...the fund manager having 25% years of experience buys corret stocks with right valuations...
They have insider information....that's it...
Stcg Tax system is the culprit
I have 100% stocks portfolio. Bada game khelanaaa haii life mein ❤
@@vaibhavrevandkar1422 then play even bigger, do business. Return in business is more than stock market
Nasha jab utar jaaye, MF le lena😅
😢
😂@@madmax7895
🤣🤣🤣👌🏻
Do not just go with exact wordings, is like comparing apples and oranges. If you want to compare, compare professionally run mutual funds and stocks with pms or advisory services or small case
This is an eye opener for all the young investors, especially for the students who are running behind the secondary source of wealth generation.
After investing for 4 years in stocks as well as in mutual funds, I realised it is better to invest in mutual fund.
I am quitting investment in stocks and shifting to mutual fund and small case.
Peace of mind is the best dividend paid...
Yes,Zerodha shows xirr of stocks portfolio.
I earned 18 Lakh profit from shares this year on my investment. Then lost 3 lakh and then 3 lakh again. So I am with the remaining 12 lakh absolte profit and have invested it in Mutual fund. I will agree that I have earned this in 4 months but there was no peace of mind. So MF is best.
For 🎉ipo allotment service 🎉 contact at my page and type ipo in any video
How much amount you invested to earn 18 lakhs
@@vinodcc6094 12 Lakhs Overall. The share was Shakti Pumps. Its still making new high but I am out now from equity.
Totally Agreed with your thought process. These case studies are more useful for behaviour management.
Same story of mine!
I did 20k in 40 stocks of nifty 100 which were corrected 15-20% from their ATH after 2 years of investment i came to know that my return was 22% and nifty 50 index return was 34%
I suddenly stopped investing in individual stocks!
I really appreciate this video!
Direct stock investment se bahut paisa banta hai ye 4 saal me dekh liya, ab samahaj me aaya ki mutual fund best hai ki line kyu boli jati hai, index fund se bhi kam return
Can you explain in detail bro .. direct stock me jda bnta hai to MF best kaise hai?
Exactly don’t listen and follow blindly. Don’t go behind stock tips. Read concall. Research industries current trend follow concall every qtr and you’ll earn much more. The issue is no one wants to put that much effort if you are in that category han bhai mt kro direct stock investing mf is best but if you are willing to spend time and genuinely want to learn about industries bhai padho. Mf index ko bhi beat nhi kr pate then invest in stocks. Ye channel ka dhandha tbhi chalega jab tum iska course loge services loge to ye hamesha MF ki badhai krega. Baki jaisi jiski Shradhha
@@jain007neeraj thanks for the input brother 🙏. I'm invested in Asian paints, Bajaj finance,Aavas finance, HDFC BankKotak bank ,Coforge,Gmmfaudler,HUL,LTIM,Page industry,SRF,Sula vineyard,Titan, Jubilant food work.... But not able to beat the MF from last 3 year...now I'm thinking of my strategy...share goes up and again falls...now I'm thinking it's better that I should have dumped this money in MF ... perhaps would have generated 2X more than direct stock. My current %is only 12%
Your point view is 100% correct. I am a fan of you. After subscribing model portfolio, finally I have learned my lessons and kept my portfolio intact in the recent falling market.Thank you for your contribution for the new investors, please keep your education mission on and on.
Problem is people chasing stocks ipo at peak valuations based on tips and suggestions. You should put most of money in mutual funds and buy stocks only when you get at cheap value
Sir you are inspiration for million. Always nutral analysis ❤from Noida
Great discussion 👍
simple cheez hain ... 🙄 unless you have full time and knowledge, it is always good to go mutual funds way
Stock portfolio 9% 😢
MF xirr. 19.8% 😊
.. For 7 years holding
very informative video releases from your end
When the market is down let's take a example, even the mutual funds returns would be down ,and in mutual funds it is very important to know about the fund managers experience, in which stocks, is the fund managers, investing with your SIP amount
4:07 I realised this few years back. Having peace of mind is more important than few extra percent of return. Example if I focus on market all the time managing all by selfI may loose my time with family, on my work. I will prefer to sip in mf so that i can focus on my family, work and skills which will be more rewarding.
How to track the dividends in mutual funds ? If the fund manager really reinvesting back into stocks for us ? How to find out ? 🙏🏾
Good morning sir can suggest me the best mutual funds I have to buy
My MF XIRR is 23.6434 and Stock is 37.0834 . Calculated in Excel. All my MF included, stocks include IPO's also. Not disciplined in Stock investing. Time not available. Increasing MF SIP.
Could you let me know for how long you are investing in MF and stocks?
I am damn sure, most of your stock return are due to ipo... same is with me also.. please calculate without IPO returns i am sure it wont beat FD returns.
Investing from 14 years, but lots of profit after corona period.
Yeah, ipo stocks are in my portfolio. But what to be excluded from it, ipo allotted and sold on listing, ipo allotted still holding, ipo but purchased from secondary market , it's difficult to calculate . So I calculated when I debit my account.
Same i agree,my Xirr is 25, but i still see MF is good option at least for last year....
Ipo toh anyway you can buy apart from MF....it should less percentage
Mutual fund give better return because it has advantage of switching funds while if buy stock which you can't switch frequently govt. tax at stcg is more. Govt. Must think of it.
Sir zerodha shows xirr, and mutual funds gives very less returns compared to stocks because in stocks we can buy stock futures also
You and your team.... JUST MARVELLOUS❤
Please make one video on total number of mutual funds of all houses versus number of funds having XIRR growth more than 20%.
Sir , you are correct! but in 2021 0ct. I invested Rs.25 lac. in eq share mkt . now my P.F. shows 1.70 crors. apart from div. and bonus shares! I trust , investment in good shares of rep. co. gives us smart money! like tcs., kpit, Bosch, ultratech ,cdsl etc. but pations are important also! ! Now I converted my atten. in M.F. again ! like nippon, hdfc and icici groth !
Nice case study and lesson. Thank you sir
Invest in stocks based on your knowledge and not how much you can invest without proper research. Ability to control emotions in stock market is a must.
Please compare in property and mutual fund 🙏
Sebi on Tuesday 17.12.2024 notified a new asset class between portfolio management services (PMS) and mutual funds and has called it the 'Specialized Investment Fund' (SIF). According to Market regulator Securities and Exchange Board of India SEBI, The SIF asset class will accept investments of Rs 10 lakh or more across all investment strategies.
So true. Was thinking about the same. That is why I mainaint a nav report for stocks.
3:22 Mazak kar rahe ho kya ... 22% xirr in 5 years of investment is Great ... acha nahi bohat hi acha.. outstanding...
Make a video on financial planning and asset allocation with goals please 🙏
I started by mutual fund journey in May 2002 and, direct stock investments in Oct 2018. My mutual fund portfolio (which has 20% debt as well) is roughly 3 times that of my stock portfolio. So, far my mutual fund portfolio outperformed the BSE 500 index by 1.6% per annum, where as my direct stock portfolio is under performing the BSE 500 index by 0.7% per annum till date. It's very difficult to outperform the index (like BSE 500) over a long period of time, with direct stock investments. Other than the excitement and useless satisfaction of control over our stocks, very few will be able to outperform the index. I am thinking of shifting my stock money to my mutual funds over the next 12 - 15 months. What Parimal says is true.
Invest in ETF which is better than stock and direct stock.
What about experiences ratio?
When you compare stocks vs mf, you should also consider divident amount yearly which will increse the xirr slightly !! Mf you dont get anything until you redeem !!
Excellent Video, you are true champ.
You are right sir
मैंने ज्यादा satsng sun लिए, आज मार्केट गिर रही thi मुझे मजा आ रहा tha कि 2000 rs. के top up से ज्यादा unit मिलेंगे, वो बात अलग है 5000-6000 माइनस show करेगा पोर्टफोलियो आज 😂😅😊
Thank you parimal Sir
24 and 36 both are example,real life returns are very different
Parimal ji, I have great respect for your passion to help the community, but I feel you’ve made a few assumptions here. As a sincere investor, I believe one should actively manage and control their investments, especially if they have the appetite and interest-not just for quick gains. This approach allows for learning, growth, and even mistakes while still achieving solid results.
Mutual funds are excellent for passive investors with no time or intention to actively manage their money. However, your narrative might discourage those who have the potential to grow significantly through stock investments.
For context, my mutual fund portfolio is about 10 years old, and my stock investments are only 4 years old, yet the money in both is almost equal now. My stock returns are 26% compared to 22% in mutual funds, and I’ve managed this without stress or losing sleep.
You will surely loose money in your stocks in coming 6-10 years. Your return after 10 years from now would always be better in MFs, I have been investing for 25 years. I used to think like you years ago. There have been a lot of reaserch on these in Harvard and MIT, which concluded that even full time celebrated experts can't beat the market, they are just lucky....
Please Guide Youths to right path like this type of more videos.
I relate with ur views 😊
But that also depends if the mutual fund was that good
Thanks sir....for this valuable information
Just invest in below funds
Nifty Alpha 50 fund
Nifty 200 momentum 30 fund
Nifty midcap 150 momentum 50 fund
Small 250 also
This is the reason why I asked Zerodha to implement XIRR for direct stocks and it has been helpful to compare with MF after Zerodha implemented it
So sir should I take your Mutual fund only model subscription or growth model portfolio.
Initially my plan was to go for the growth model portfolio, but it has both stocks and mutual. I am confused even more
Buffet and Jhunjhunwala had taily careers. They are rare.
Read pschology of money to understand his perspective.
But my Zerodha kite app shows me XIRR returns..🤔
What about expense ratio, exit charges, not all mutual funds make profit.
Mutual funds or ETF? I invest actively in ETF whenever my selected ETFs are about 1% or more or nearby down, is it a good approach? For long term?
It is definitely better than mutual funds because expense ratio is less and you can buy etf at market price instead of mutual fund where you get day end NAV, so you miss out on intra day swings.
Etf vs mutual funds? For long term
I have now 80% in MF and 20% in stocks. The gains in stocks pays for big ticket payments and advance capital gain tax. But after a recent job switch, I am trying to buy and hold stocks vs. Trading but most of SIP and bulk money I have moved to MF.
I feel 50-50 karana better hai with long term investment
Thank you
If you have good knowledge in stock market then go for stocks you can earn 30% CAGR.
Zerodha shows XIRR as well
No
@deveshmaheshwari6598 Yes it does. You can go to "portfolio" -> "analytics" and see it
What is a good xirr?
Have a mix of both in your Portfolio. Out of these 2 Asset class, If you are considering to Invest say 100 Rs, Invest in MF- 70 Rs and in Stocks - 30 Rs for a good Financial Growth.
Good Analysis, making sense!
I am planning to move to MF from Stocks investing. I also see the pattern where returns in MF is higher than stock investments
Same
copy their holdings you will make more returns
Right stocks can give you much higher returns than Mutual funds.
@@two8915 but they won't inform you when they sell or buy new ones. You will come to know after a quarter
@@vaibhavrevandkar1422 my profesion is different and not all are experts like you.
Sir goal ky baad jo paise hai voto stock me laga sakete hai na excitement ky liye
Surplus money se life enjoy kar sakete hai na
I also like your videos Respected Sir..
Selecting stocks is a hobby don't expect lot of returns from that
Investment in both mutual fund and shares good quality is it okSir
Stock Return Should Be Atleast 20% to Beat Indian Inflation
@parimal sir:- can you explain what is XIRR & how is it related to absolute gain?
Or any video of yours, where you had explain this?
After taking your portfolio subscription since 2022, i increased my MF contribution from 500 to 35000 in 2.8 years. I am hoping to keep same with 5% yoy increment for next 15 more years. Hope to get a peaceful retirement.
Would be great help & thanks in advance.
Could be the case if the person try to mange stocks as MF portfolio.
Stocks is more of active to get the extra return.
Though in my case Stocks XIRR is 10% more than MF SIP Portfolio.
I have generated 125% return in direct stocks. My HDFC MF only gave 57% in the same time. My big bets on future winners always pays more than MF.
Myself discovered same. Had Calculated xirr same way. Compared to UTI Nifty fifty index fund.....lost
Good video
From now on.. pls don't analyse any stock on this channel.. only mutual fund discussion.. so all your investors will directly invest in MF
What happens if one buys 1 share a day for a few years thereby accumulating gradually from little pocket money each day.
Stocks are not stable returns ....MF are safe though market is down....
Same story my Mutual fund absolute return is 70% and stock is 60% in 6 yrs.
Rakesh Jhunjhunwala ji also told about benefits of MF for retailers
Sir
You are making stock portfolio review ..
I want review from you if you say ..🙏
I have made XIIR of 56% in last 5 years in direct stocks and enjoy investing my money directly rather than giving to some body. My MF has given 28% CAGR in same time
I was doing it right with MFs (current xirr is 16%), in 2021 dec I started in stocks got just 20% total returns till date😢
Zerodha has the feature to show xirr for stocks
How are people making XIRR of 356 percent in mutual funds. what funds give those returns?
Market down h to sab MF, SIP kar rhe hn.
This shows fear.
It's a lumpsum time for both in MF and direct stocks.
Smallcap kaise hai
Bandhanbank view?
Are you taking about index MF or actively run MF?