Stock Market @ All Time High | Personal Finance Q&A | Parimal Ade
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- Опубликовано: 21 июл 2024
- TIMESTAMPS
00:00 Market at All-Time High
01:36 Market Analysis and Influences
03:41 Investment Strategies
05:25 Long-term Investment Focus
06:21 Historical Market Downturns and Recoveries
08:08 Rational Investment Expectations
09:17 Linking Investments to Financial Goals
11:49 Managing Market Volatility and Investment Behavior
14:32 Personal Finance Q&A: Real Estate Purchase
17:25 Financial Planning for Home Purchase
19:54 Mutual Fund and Investment Strategy
22:18 Financial Planning and Tax Considerations
23:31 Wealth Creation with Mutual Funds
25:58 Long-term Investment Strategies
28:09 Risk Management in Mutual Funds
29:35 Managing Debt and Financial Planning
30:42 Comparing FD and Debt Funds
32:07 Investment Strategies for Momentum Funds
33:55 Appeal to Senior Investors
35:05 Personalized Financial Planning Services
36:12 Mid-Cap and Small-Cap Fund Strategy
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1. Neither Research Analyst nor the entity nor his associates or relatives have any financial interest in the subject Company;
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🎯 Key points for quick navigation:
00:02 *📈 Market at All-Time High*
- Market reaches all-time high, raising many questions about portfolios, financial planning, personal finance, and mutual funds,
- Encouragement to ask questions related to personal finance,
- Avoidance of stock-specific questions due to existing resources.
01:36 *💹 Market Analysis and Influences*
- Market's rise attributed to foreign institutional investors (FIIs) interest in financial services, banking, and IT sectors,
- Meetings with fund managers show confidence in private banking due to strong balance sheets and low NPAs,
- Potential for HDFC Bank's weight in MSCI Emerging Markets Index to double.
03:41 *📊 Investment Strategies*
- High performance in trailing three years, especially in large caps, small caps, and mid caps,
- Recommendation to avoid lump-sum allocations and opt for staggered investing over 12-18 months,
- Large cap space still favorable compared to small and mid caps, with PE ratios discussed.
05:25 *🕰️ Long-term Investment Focus*
- Importance of maintaining systematic investments for long-term financial goals,
- Warning against over-focusing on market timing and emphasizing the accumulation phase,
- Historical evidence and instances supporting long-term investment strategies.
06:21 *📉 Historical Market Downturns and Recoveries*
- Comparison of 2008 Lehman crisis and 2020 market fall,
- Market drops significantly but recovers within 1.5 years each time,
- Emphasis on GDP growth and retail inflation driving nominal GDP growth.
08:08 *📈 Rational Investment Expectations*
- Importance of rational, conservative expectations amid high CAGR,
- Historical returns and the necessity for practical expectations,
- Advice to not be swayed by market euphoria.
09:17 *💡 Linking Investments to Financial Goals*
- Stress on linking investments to financial goals to avoid confusion,
- Importance of systematic investment plans (SIPs) for long-term goals,
- Example of investor behavior and the significance of behavior management over portfolio management.
11:49 *📊 Managing Market Volatility and Investment Behavior*
- Importance of rational market expectations and behavior management,
- Long-term investment strategies for market volatility,
- Portfolio management advice for different investment scales.
14:32 *🏠 Personal Finance Q&A: Real Estate Purchase*
- Analyzing financial readiness for a significant property purchase,
- Importance of prioritizing financial goals: retirement, children’s education, first home,
- Application of the 50-30-20 rule for financial planning.
17:25 *🧮 Financial Planning for Home Purchase*
- Importance of calculating retirement and children’s education costs before home purchase,
- Advising not to compromise on long-term financial goals,
- Seeking professional help for detailed financial planning.
19:54 *📈 Mutual Fund and Investment Strategy*
- Diversification in mutual fund houses for better risk management,
- Importance of portfolio size and credit risk in debt funds,
- Preference for debt funds backed by strong financial institutions for stability.
22:18 *📊 Financial Planning and Tax Considerations*
- Importance of evaluating financial goals and tax strategies,
- Consulting advisors for large portfolios,
- Email contact for personalized financial planning.
23:31 *📉 Wealth Creation with Mutual Funds*
- Addressing myths about mutual funds and stock market returns,
- Importance of understanding mutual fund operations and performance audits,
- Comparing personal stock portfolios with mutual funds for better returns.
25:58 *💹 Long-term Investment Strategies*
- Power of compounding and long-term SIP investments,
- Avoiding market timing and complex strategies,
- Following simple financial planning for consistent returns.
28:09 *🏦 Risk Management in Mutual Funds*
- SEBI investigations into potential fraud and its impact,
- Importance of SEBI findings over speculation,
- Negative news causing significant outflows from funds.
29:35 *💰 Managing Debt and Financial Planning*
- High debt repayment affecting financial stability,
- Selling assets to repay debt for better financial health,
- Building a financial plan post-debt repayment.
30:42 *💳 Comparing FD and Debt Funds*
- Safety comparison between bank FDs and debt funds,
- Risks associated with hypothetical bank defaults,
- Importance of balanced financial planning with proper portfolio selection.
32:07 *📈 Investment Strategies for Momentum Funds*
- Evaluating momentum funds vs. index funds,
- Long-term effectiveness of simple investment approaches,
- Aligning investments with financial goals for better results.
33:55 *🧓 Appeal to Senior Investors*
- Increased sessions with senior investors (45-60 age group),
- Rational, practical advice appreciated by experienced investors,
- Encouragement for young investors to adopt a long-term perspective.
35:05 *📊 Personalized Financial Planning Services*
- Availability of one-on-one financial planning sessions,
- Detailed financial planning, portfolio creation, and execution assistance,
- Steps to contact and book sessions for personalized advice.
36:12 *📉 Mid-Cap and Small-Cap Fund Strategy*
- Advising against lump-sum investments in small and mid-cap funds,
- Preference for staggered investments over the next 18 months,
- Long-term investment approach for small and mid-cap allocations through SIPs.
Made with HARPA AI
Each day my Portfolio Turning Red. In the last 2 days when the Market is hitting all time high.
Don't worry, sometimes it is because the fund manager has taken other bets (and the fund may have better downside protection like PPFAS fund)
@@sc7783 it's not fund manager, it's myself. Though I don't have a small cap in my portfolio. The Eicher motor and ITC both weigh around 35% of my portfolio.
happening with everyone. Need not worry
That's strange, how long have you been invested?
@@CheckMater007 4 years
Great job sir. Thanks to team yadnya for helping tuchha prani
Aaj se pahle market kam se kam 1000 baar all time high ho chuka hain. Phir ye all time high ke numbers ko itna bhav kyo dete ho . Please train your mind to control your emotions and be mature enough to get clarity what you need to do or not.
Hello,
Following your advice from some time.
Most interesting part was the emphasis on company performance,
Results, con calls and their future plans.
Thank you parimal Sir
Do you help too in nri financial planning?
एक दिन आपसे मिलना चाहता हूं fee नही दे सकता अभी , लेकिन sir आपके video लास्ट 3 yr से देख रहा हूं।
Many lessons copied from you .
आदर सहित प्रणाम।
Sir mai army personal hoon. Mera portfolio 50 lac ka hai. Mai trading nahi karta hoon. Mai 2013 se market me hoon. Lakin Mai 2017 se sirf investing Kar raha hoon. Mere portfolio me 56% Mutual fund (4 folio) 41% ka stock hai (25 company) 3% sovereign gold bond hai. Ye sab Maine over a period save Kiya hai . Iske alawa 25 lac ppf me bhi hai. Mera sawal hai mere portfolio me financial aur bank 40% hai ( HDFC bank (25% return), Kotak bank (5% return), Indusind bank (26% return), Idfc bank (82% return), federal bank (110% retun), Motilal Oswal (190% return), Pnb hsg (40% return). Mera sawal ye hai ki Mai inme se kisi share ko bechna nahi chahta hoon. Aur Jo bhi bank abhi tak nahi Chalayan hai usme dhire dhire aur khridari Kar Sakata hoon. Aur Mera portfolio kaisa hai.
Thanks sir for giving valuable information.❤
case study is very good.
I appreciate your way of guiding people to be simple in investment planning.
Wonderful session
Hi, Sir , I have watch regularly your daily news and other vedios and lot's of motivate me, my question is my goal is achieved of son's abroad higher education after on year, my all investment in MF, should I redeem my MF of take LAS which is better?
Hello Sir! I have stocks that are giving negative returns for over a year. Everyday I decide to sell those (e.g. Paytm) and invest in something like a JIO but unable to. Please share how to book losses.
Mutual fund or ETF daal ke chhoti karo
Primal sir plz add English and Hindi subtitles...so who didn't understand hindi also be benefitted.
Good info. N Gyan
Hi there Shri परिमल जी, I've been told that Long Term Debt Funds will very well in coming years.
What is your view?
All thanks to PSUs and PSBs
Who is the guy underestimating MF? Is that Basant Maheshwari??
I have my new born girl. What would be the best investment for her
Sukanya samriddhi Yojana ..Google It...Or Ask Parimal sir
Combination of sukanya samridhi + mutual fund and can alocate sgb a little later
Sukaniya Samraddhi and one flexi Or multi cap fund as per your risk taking appetite for next 21 years 🎉🎉🎉
Education
1. Educate her
2. Give proper cultural and religious values. Keep her away from wokes and sickularism.
3. Spend around 2000 INR for personal consultation with Yadnya over a zoom call and discuss financial aspect.
Parimal ji...i m a MFD....hamare vichar bahut milte julte hai...😂
Use more english