Why not Multi Asset Funds? Adding gold to the portfolio makes the investment even more diversified and reduces ups and downs in the market as well, history suggests.
Gold crashes once in a decade too. Debt doesn't crash and provides stability but gold is more like bluechip return which can be stable but sometimes badly hit in a gold crash like bluechip also crashed in 2008, 2020
I would say pick an index fund/flexicap fund and short duration fund/arbitrage fund rather than hybrid funds. You will have more control and also you can rebalance your portfolio as per your needs.
At age 65, I am in the process of making up my mind to deploy 25% of my funds into 10 year bank annuity emi type plan wherein assured cash flow will be much higher around 14% as component includes principal, it is appealing to me in comparison to liquid/short term funds. Then 75%, intend into balanced advantage funds which will allow us equally higher cash flows (all along will try to stick around to 4% drawdowns of total corpus as advised in this video) after 10 years if we are around/ till me and my spouse departure. I have been consistently watching value research/Dhirendra Ji for many years. Pls advise me if my above thinking is rational or I follow flexi cap (more risk returns legacy…) as advised in the podcast.
TRY IDFC FIRST BANK which is offering 7-7.25% p.a with monthly interest payout.choose fund which will not erode your wealth , as you are in retirement stage.enjoy your retirement sir.dynamic asset allocation is best .
I am Ketan Raval from Ahmedabad. My age is 59 & retired. I shall start my monthly expenses Rs.40,000/- after two years . I am having conservative hybrid fund of MF sbi , hdfc , absl , icici & kotak MF . Each having 5 lakh investment since last 02 years. Is it right timing in current market scenario to switch over into Agressive hybrid or Balance Advantage funs into same AMC !! Should I switch lumps in a multiple shots ot do STP ??
You are a retired and almost a senior citizen. Your priority must be preservation of capital and not to enhance it. Stick with the current plan and don't be greedy or adventurous,
no need to switch.you should have done this when you had initially invested.better to stick to your portfolio and it will give returns plus the risk is less.
Very informative but I think MAF is more suitable than BAF for a conservative equity investor since it has exposure to more than three different classes of assets which enhances diversification and reduces concentration risk.
There are actually two problems with MAF. One, the equity exposure is higher during 'good' times and when market falls, it is hurt more. Two, the taxation is according to one's tax slab (which is not good news for those in the higher tax slabs)
@@sc7783 If the equity exposure is high, then the long term capital gains will be just 10% above one lakh per annum and hence is most efficient from taxation point of view too. So it is one more reason to go for MAF.
Why not Multi Asset Funds? Adding gold to the portfolio makes the investment even more diversified and reduces ups and downs in the market as well, history suggests.
Historically gold has not given much return, it’s the currency depreciation which has brought about the benefits
Gold crashes once in a decade too. Debt doesn't crash and provides stability but gold is more like bluechip return which can be stable but sometimes badly hit in a gold crash like bluechip also crashed in 2008, 2020
For those in higher tax slabs, gains from MAF can be shockingly high (based on the invested capital)
@@sc7783 please provide more insights on this
One of the best.. Dhirendra sir !! Crystal clear and to the point analysis..
Thank you
I would say pick an index fund/flexicap fund and short duration fund/arbitrage fund rather than hybrid funds. You will have more control and also you can rebalance your portfolio as per your needs.
As usual Dhirendra Sir is class.
Please throw some light to the nature of Equity savings funds ?
At age 65, I am in the process of making up my mind to deploy 25% of my funds into 10 year bank annuity emi type plan wherein assured cash flow will be much higher around 14% as component includes principal, it is appealing to me in comparison to liquid/short term funds. Then 75%, intend into balanced advantage funds which will allow us equally higher cash flows (all along will try to stick around to 4% drawdowns of total corpus as advised in this video) after 10 years if we are around/ till me and my spouse departure.
I have been consistently watching value research/Dhirendra Ji for many years. Pls advise me if my above thinking is rational or I follow flexi cap (more risk returns legacy…) as advised in the podcast.
TRY IDFC FIRST BANK which is offering 7-7.25% p.a with monthly interest payout.choose fund which will not erode your wealth , as you are in retirement stage.enjoy your retirement sir.dynamic asset allocation is best .
Can you please make some videos on value research advisor
All perfect. On the lady’s question of investing 3 cr, I did not understand why liquid and short term debt..there return seem simila
I am Ketan Raval from Ahmedabad. My age is 59 & retired. I shall start my monthly expenses Rs.40,000/- after two years . I am having conservative hybrid fund of MF sbi , hdfc , absl , icici & kotak MF . Each having 5 lakh investment since last 02 years. Is it right timing in current market scenario to switch over into Agressive hybrid or Balance Advantage funs into same AMC !! Should I switch lumps in a multiple shots ot do STP ??
No, your investment portfolio is looking very good don't be greedy
You are a retired and almost a senior citizen. Your priority must be preservation of capital and not to enhance it. Stick with the current plan and don't be greedy or adventurous,
Ur allocation looks good. Maximum you can add balanced advantage from icici and it should be less than 20% of ur entire portfolio.
no need to switch.you should have done this when you had initially invested.better to stick to your portfolio and it will give returns plus the risk is less.
Very informative but I think MAF is more suitable than BAF for a conservative equity investor since it has exposure to more than three different classes of assets which enhances diversification and reduces concentration risk.
There are actually two problems with MAF. One, the equity exposure is higher during 'good' times and when market falls, it is hurt more. Two, the taxation is according to one's tax slab (which is not good news for those in the higher tax slabs)
@@sc7783 If the equity exposure is high, then the long term capital gains will be just 10% above one lakh per annum and hence is most efficient from taxation point of view too. So it is one more reason to go for MAF.
How is expense ratio deducted from the SIP amount ? Is it on monthly basis or annual basis ?
Daily basis actually 😊
@@sc7783 lets say I have 3-4 funds , so it is charged individually
Or Average it
Hybrid funds help investors in getting rich slowly ❤
How to send question to be included in hangouts episode
Thank you Dhirender sir for the good views on hybrid fund.
Thanks for sharing valuable information on balanced,aggressive &miret Aastha funds Dhirender sir
You're welcome
Best hybrid funds
Thanks VR for honouring my request for this video😊
Our pleasure!
Crisp ..as always !!
Thank you 😊