There's no one-size-fits-all answer, but choosing the wrong mutual funds can definitely hurt your portfolio. The key is to consider your goals and risk tolerance. Are you saving for retirement, a house, or something else? How comfortable are you with potential ups and downs?
Exactly. The market's been acting a bit crazy these days, and a risky mutual fund could leave your nest egg feeling the heat. Diversification is key - spreading your money across different types of investments.
Ugh, tell me about it. My portfolio's been feeling a little shaky lately. I think I might need to adjust my mutual fund mix, but I'm worried about making the wrong move.
Have you thought about working with a financial advisor? work better for you in retirement and plan for unexpected expenses. It might give you more peace of mind and help you enjoy your retirement more. Best wishes!
If we are going to do all these things then what is the fund manager doing? Why should a mutual fund investor go on changing his portfolio from time to time? Is it not the job of every fund manager to change their stock portfolio according to the changing markets and try and deliver the best returns they can?
Yes, but if the sector itself is not doing well, then you would have a better chance of making good returns by investing in another mutual fund in a different sector.
Every fund follow an investing strategy and it is difficult to change it quickly as the market demands every 2-3 years. Hence you see funds start performing below average in its category and CRISIL rating of funds goes from 5 to 1 star quickly. Similar the opposite can happen. Now, as investor its your responsibility to keep rebalancing your MF portfolio once in an year at least. This is what this gentleman is telling here which makes sense to me.
Nobody is talking about long term tax if units are redeemed. Before 31st March,2020, there was no tax on redemption. 10% long term term tax was applied after match,2020, and now it has been increased to 12.5%. Any redemption has to be done very carefully otherwise huge tax has to be paid. Reshuffling of portfolio has to be done very carefully. There is limit of Rs 1.25 lacs which is exempted from tax. It has to be taken into consideration seriously
Single investment in Multicap and or Flexi Cap is sufficient. Right now when the small cap and mid cap stocks are at 25/30 premium to Nifty 50 better be with Flexi Cap. My PPAFS since July 2020, HDFC Flexi Cap and Quant Flexi Cap captures more than 250 stocks and sufficient diversification. Once the small cap completes 25/30 percent correction the amount will be switched on to Mid and Small Cap fund. SBI consumption Opportunities fund continue since 2018 in SIP mode.
The mutual fund underlying change periodically. Two important things about mutual funds. 1. There is no scientific way to predict / forecast a mutual fund return unlike stocks. 2. Past performance mutual funds do not guarantee future performance. Instead of analysing mutual funds, it’s better to open your own fund and then analyse which stocks to put in the fund.
There's no one-size-fits-all answer, but choosing the wrong mutual funds can definitely hurt your portfolio. The key is to consider your goals and risk tolerance. Are you saving for retirement, a house, or something else? How comfortable are you with potential ups and downs?
Exactly. The market's been acting a bit crazy these days, and a risky mutual fund could leave your nest egg feeling the heat. Diversification is key - spreading your money across different types of investments.
Ugh, tell me about it. My portfolio's been feeling a little shaky lately. I think I might need to adjust my mutual fund mix, but I'm worried about making the wrong move.
I haven't consistently contributed to retirement accounts, leaving them with insufficient funds to maintain their desired lifestyle during retirement
Have you thought about working with a financial advisor? work better for you in retirement and plan for unexpected expenses. It might give you more peace of mind and help you enjoy your retirement more. Best wishes!
Please do make a recommendation, a good one whose act's fiduciary
Stop all this overthink ...just keep investing on your goals ...rather then keep switching funds based on performance
If we are going to do all these things then what is the fund manager doing? Why should a mutual fund investor go on changing his portfolio from time to time? Is it not the job of every fund manager to change their stock portfolio according to the changing markets and try and deliver the best returns they can?
Yes, but if the sector itself is not doing well, then you would have a better chance of making good returns by investing in another mutual fund in a different sector.
Every fund follow an investing strategy and it is difficult to change it quickly as the market demands every 2-3 years. Hence you see funds start performing below average in its category and CRISIL rating of funds goes from 5 to 1 star quickly. Similar the opposite can happen. Now, as investor its your responsibility to keep rebalancing your MF portfolio once in an year at least. This is what this gentleman is telling here which makes sense to me.
That's why just invest in an index fund and chill. Fund managers fail to beat the index itself.
@@kitten_with_bad_breath Are you saying to invest in sensex etf and nifty etf's ? Please clarify
Nobody is talking about long term tax if units are redeemed. Before 31st March,2020, there was no tax on redemption. 10% long term term tax was applied after match,2020, and now it has been increased to 12.5%. Any redemption has to be done very carefully otherwise huge tax has to be paid. Reshuffling of portfolio has to be done very carefully. There is limit of Rs 1.25 lacs which is exempted from tax. It has to be taken into consideration seriously
nice info. if you have 6 funds better have two funds with less beta and volatility. around 40% of weightage. helps in bad times.
keep you portfolio very simple to make great returns . No need to complex your portfolio by keeping sectoral funds .
No value added by the guest speaker. Just bla bla generic gyaan
Rather than giving your valuable feedback go & watch Pogo 😄
Deserv platform is good. But they don't offer the option of investing in Direct Plans of the mutual funds.
Don't fall for such stats and so called dezerv. Their job is to sell their business. Just buy an largecap index and couple of flexi cap & relax
I found this video very useful
When do we relook the funds , half yearly or yearly .
I am in my mid 30's . How should I invest? I am investing 50% in large cap, 25% in mid cap nad 25% in sc.
Is this okay ?
Add 30% debt funds or fixed income in over all portfolio networth..dont go 100% equity
Single investment in Multicap and or Flexi Cap is sufficient. Right now when the small cap and mid cap stocks are at 25/30 premium to Nifty 50 better be with Flexi Cap. My PPAFS since July 2020, HDFC Flexi Cap and Quant Flexi Cap captures more than 250 stocks and sufficient diversification. Once the small cap completes 25/30 percent correction the amount will be switched on to Mid and Small Cap fund. SBI consumption Opportunities fund continue since 2018 in SIP mode.
lesser drawdown is very important...
Single fund does the job. Invest in Nifty 500 index fund and second may be US fund.
respectfully disagree with few things being discussed here. What about implications of taxation from exit
The mutual fund underlying change periodically.
Two important things about mutual funds.
1. There is no scientific way to predict / forecast a mutual fund return unlike stocks.
2. Past performance mutual funds do not guarantee future performance.
Instead of analysing mutual funds, it’s better to open your own fund and then analyse which stocks to put in the fund.
Disagree with 1.
Dezerv does it.
There is something called as PMS that does this
please cover debt funds also in another video
Sponsored show...Why should finfulencers should have all the fun.. Retail investors are quite smart these days..
Pls cover lumpsum amount mf I am 51vyears i can hold 6 to 7 yrs
Can u suggest good lumpsum fund
way to make people fool...confuse them and enjoy😊
Why are these type of people on TV , 7-8 funds 😅 are you kidding me
Honestly sounded like a sales pitch for something!
What a bad advice.
Stay away
Pkease dont bring people like him.
Please avoid
Avoid this guy
This guy knows nothhing about wealth creation.
Please stay away.
He is not up to the mark at such a big platform,
why?
Not why ask how
Bunch of bollocks
7 to 8 whattt ....it doesnt make any sense because most of the funds overlap
how? 2 funds in each category and one or two sectoral. no way for overlapping. also there are tools to check overlapping of funds.
It is only good when the amount is big enough for each fund... Else 3-5 funds are enough to make a good amount of wealth