4 Investing Rules Every 20-something Should Follow (and mistakes to avoid)
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- Опубликовано: 17 фев 2023
- If you're in your 20s and looking to invest your hard-earned money, this video is for you! We know it can be overwhelming to figure out how to start investing, but don't worry, we've got your back.
In this video, we're going to chat about all things investments - rules to follow, things to do, and things to avoid.
So grab your favourite snack and join us as we dive into the world of investing in your 20s. Let's do this!
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Please make a note of the correction on Dividends in index funds - There are 2 types of funds - growth & IDCW. in the growth fund dividend is re-invested, whereas in IDCW it is paid out to the subscriber.
damn, i had this doubt since very long about what's that IDCW thingy.
1.emergency fund for 6 months to 1 year
2. Health insurance
3.Term insurance
4.sip in index
Just keep it simple good to go
Amazing Bhaskar :)
so engaging, so informative! 🌟
Awesome video. Very informative
Glad it was helpful!
10:00 There are some index fund that pay dividends and if not they will invest back to increase the networth of the fund so you are not missing on anything.
15:20 There has been change in consideration in holding patterns , Vijay shekhar Sharma who is a promoter but his stack is also considered as public.
17:24 ELSS is 3 years lock in period.
22:00 Nifty 50 is not top 50 market cap wise company, it's a benchmark that represents India's growth and all sectors have been included also it depends wheather a stock is in futures trading or not and how much free float is available e.g. DMART is way bigger than many of the Nifty 50 companies.
Correction made and pinned as comment,
Thanks Manan 🙌🏼
Good content, keep it up! I predict many more views and subs will come your way
Thank you 🙏
Very much Helpful Video. Waiting for the next video
Thank you!
This was fun to watch 🤣🤣🤣
Brother thanks for the video
I will forward to my son 😀👏👏👏
I really enjoyed this new concept of this show. It's just I feel like the organisation of ideas could have been better and also like a set flow of ideas would have made it even more interesting.
Nevertheless I really am excited to see next such episodes.
Feedback noted
Big Fan of your sense of Humour Prateek Sir, agar aaj aap LearnApp nahi chale rahe hote to mostly aapne Kapil Sharma ko takkar di hoti aur aap Comedy show chala rahe hote, I guess..😅😅
Oh dude, i secretly will start stand up once LearnApp is on autopilot 😬😬🤫
@@PrateekSinghLearnApp I'll be your first audience..😁
How to change bank account linked with trading platform (if needed)?
Golden Words By Prateek Sir “Short Term Mei Kuch Nahi Hota” ❤
❤️❤️
@HRM FINANCE Still, Short term me kuch nahi hota...The kind of returns you can see in long term, you cannot even imagine in short term...
This is great. Can you do it for different age groups like 30s 35s etc
Will do it 🙌🏼
Sir please explain SLB mechanisim in the market
10:18 Bhai in index fund either etf price or through mf NAV, if you get dividend the price of etf or the NAV in mf gets factored in it. So you're not losing in dividends. They get adjusted in the price.
yes, Prateek may be confused at that time. NAV reflects all the actions.
Thanks for pointing out Abhraraj
Have pinned it in the comments
I want to learn investing and change my life
Let’s do it together, do let us know what you would want to learn next…🙌🏼
As Far as I know the dividends received by MF from individual stocks are actually reflected in the NAV. So the dividends also add up to the total returns from the MF. This dividend should not be confused with the dividends paid by the mutual fund scheme.
Have made the correction and pinned in the comment, thanks for replying though
30 series v kijiyega . Love your videos . Boostups my investments ❤
Good idea, will do
Hey I am 18 I have started investing 1000-2000 bucks in stocks and crypto any investment advice .
I mostly invest in nifty companies, Bitcoin and ether
Which one is more beneficial to invest nifty 50 index fund or Equity & gold smallcase
Nifty 50 is the easiest way to get started
Yeah great advice, loved it, but all I need now is a job and I am set.
Would this be your fist job? What do you think you are good at
@@PrateekSinghLearnApp I am very good at consuming content and finding new ways to procrastinate,
Fuck, I didn't know you guys will reply,
I don't even have a resume.
I am probably unemployable right now, you guys take care, take my advice and please don't reply to such comments its hard on people like me and now I will regret that I missed an opportunity.
take care
hahaha, Abhishek, we wish you the best.
And don't think too much be a doer and you will definitely find your way.
i would like to know whats your opinion about investing in the 20s and start trading by pledging the stock by 30s without any job , full time trader . now i have studied many things through many platform and i will get 10 year experience . how would you say ?
You could start investing in your 20s, or rather you definitely should! There are different strategies out there which are around pledging your existing share & using that capital to trade in the markets. This definitely seems like a way forward.
which is better in returns etfs or index funds because both do same thing but expense ratio varies a lot?
Both are good, returns are similar more or less, but before investing in etf make sure it is liquid enough to buy and sell at right price. Example niftybees is popular and very liquid
The difference in returns is not worth this research. However, ETFs maybe giving that extra 0.01% that you are looking for
Which is a better option an ETF or a passively managed Mutual fund ?
How to allocate the salary in different parts let's say Expenses, Emergency Fund, Investments and in how much proportions, is there any rule to follow ?
If doing SIP, will it be enough or do we have to increase it Year after Year, just like how the Salary goes up year after year ?
Let's say i don't buy all this and say if want to go DIY but i want to secure my future with slightly greater returns than passive investing obviously by SIP but there is a limited money available each month after all the kharcha, if yes then how can someone go through all that, are there any playbooks available in the world of Personal Finance ?
How to stay calm in the market crashes, every now & then someone in their 20's get's distracted very easily, i'm talking about majority but there are odd ones who takes charge of their future in the early age with proper wisdom & practice, how can someone stay invested each month, is there anything like auto debit, like salary credited, amount debited towards SIP, just like EMI's ?
Hey, don't worry too much about ETFs or Index funds. Doesn't make too much difference. And yeah there are some simple thumb rules you can follow. Save at least a minimum of 10% of your income, First allocate your savings to buying insurances (Health & Life), then save for a liquid emergency fund (6*monthly expenses). I hope this makes sense :)
@@PrateekSinghLearnApp this is quite simple, I was unnecessarily getting worried, thank you.
Hi, I am really confused about the term option trading and the taxes included in trading.. if you could guide me it would be really helpful and I will be highly obliged..
Hey Anik,
In order to understand what Options trading is, you could read our blogs by visiting blog.learnapp.com/ where we have covered most of the basics of options trading.
OR
Join the Options Prime where you go all the way from understanding basic concept like call and put, how are premiums calculated and create a backtested system - all of this in just 2 Days. And guess what!? It's absolutely free!
Apply here: workshops.learnapp.com/optionsprime
@@PrateekSinghLearnApp it would be great if you could make a video about it
Nifty bees me small invest kare toh charges in longer term sip se jyada honge ya kam
We can backtest this but you cannot take it as a thumb rule for future investments also depends on the fund that you are comparing it with
Dividends in Index investing are reinvested back, The only difference is that the Growth Plan is more tax-efficient than the Dividend Reinvestment or IDCW Reinvestment plan.
Index Fund beats most of the Top100 stocks related mutual funds , but for midcap and smallcap the actively managed funds mostly perform better than Index funds.
Correction made and pinned in the top comment
@@PrateekSinghLearnApp Learners we all are
How many no of Nifty bees are available in market, like there are limited no of shares of reliance or any other company..
No not limited, but why would you ask that? Trying to understand your context
@@PrateekSinghLearnApp I trade in option. And I want to use niftybees to hedge nifty option/fut. Also interested to invest in eft. So before using bees to trade wanted to know more about it.....
It's surprising to know ki elss ka lock in nahi pata inko. Either ways content is educational for most videos.
Arrey sorry about that my mistake, I have terrible memory 🫣
1:05 jese jay shah ne banayi 🤣
Hehe
Just copy nifty 50 each stock weightage wise and invest we get divident, so in our portfolio we have 50 stock.. Is it good prateek sir??
It is very difficult. It's not even possible with small money. You need approx 1 lakh just to buy 1 share each of 50 companies, Nestle alone cost 19k. And then you wanted to buy as per weightage requires 10lakh+ to normalise the portfolio. If you really want to invest in nifty50 then directly buy nifty50 or it's ETF. you don't get dividends but price of funds gets readjusted when dividend are given by company. So your invested value increases instead of getting money in hand.
Also i would like to add that if you really want to follow nifty50 then you are not applying any methodology or technique of yours then simply pay a very small fees and just invest in index ETF or MF. Why go through so much trouble of calculating and buying individual stocks and maintaining weighting continuously, dealing with capital taxes and all. So many calculations. If you are ready to do so many calculations than invest some more time and make your own portfolio.
Just advising. Either buy index or make your own portfolio, no sense in buying individual nifty 50 shares for .2-.3% savings.
But we don't get divident
@@krishnans4714 you do get dividends indirectly. Value of fund and your units increase so you get the profit. It's just not in hand directly. Dividends are paid to fund manager and he reinvest it again. And your return also increases.
Dividends are rarely even 1 percent of investment and then you have to pay taxes on it. Whereas in funds only simple capital gains tax applied. So there are benefits to etf/MF. If you don't want to take headache. Else go for a dedicated portfolio.
Nishant your comments have been on point 💯 it’s great to see our squad helping each other out🙌🏼
ELSS lockin is 3 years
Noted
Cant say its a good video as lot of wrong information is there. Please do your research properly before educating others. Even in pinned comment you have not rectified all your mistakes as of today. (one of them is ELSS lock in period is 3 years )
Can I know what is your official mail address from which we are supposed to get the reply for the form we have filled. And what is the approx date?
Hey you can reach out to us at help@learnapp.co
For application status related to Prime, we send updates via Email/ Whatsapp.
ELSS is 3 Years Locked in not 5 Years.
Correct thanks alot
Is it possible to make 10%in a month for a long 10 year by trading or somehow
No it’s not this is an incorrect expectation. Mahesh, do something for me. Goto google and find a compound interest calculator and put in an initial capital of 1L and 10% monthly return compound this for 10 years and tell me the answer. This will make you realise what a large number you are targeting and why it’s unrealistic.
927 crores approx., from 1 lakh in 10 years. 🎆🤗👏
Bhaut Dard hua re🤣
Hahaha bharath
I am 35. Why am I even watching this video?
Probably teach someone in their 20s how to go about investing post watching this video?
I hope the content is scripted . Prateek Sir loved the content 🥰
Thanks Amit 🙌🏼😂
How much greedy someone should be in their 20's 😄?!
We all wanted everything for nothing in our 20s, nothing wrong in it….I too was like that it’s human nature but I guess now we have good sources in the internet to teach us otherwise
@@PrateekSinghLearnApp So it will be ideal to strive efficiency.. but let's see..
Keep providing such stuff 👌 🙂
ELSS lock-in for 5 years.. Ha ha.. Lost all trust on data you present on this channel. Pls post correction for ELSS lock-in period... And shocked to hear you repeated it 5-6 times.
Hey sorry this was my fault accepted. Will post corrected version as pinned comment.
DMART
AFFLE INDIA
EQUITAS SMALL FINANCE BANK
🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥
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You missed the mark
Do a video on black Rock 🪨
And how this company make 💵
🤔
Ah interesting ok
I want to learn investing and change my life 🪂
Wohooo
What's the actual diff btwn investing in passive index fund & buying ETF?? which will profit in long run
Etf price fluctuation is there through out the day but in mutual fund NAV changes only at end of day . And you can sell etf just like stock but for mutual fund you will get money after 2 or 3 days
On point Muvvala, hope that clarified your doubt dood