Mutual Funds का कड़वा सच... क्या वाकई सही है?
ฝัง
- เผยแพร่เมื่อ 6 ก.ย. 2024
- Mutual Funds are of many types: Some of them are mentioned below
Open-Ended Funds:
Close-Ended Funds
Equity Funds
Debt Funds
Money Market Funds
Balanced or Hybrid Funds
Growth funds
Income funds
Liquid fund
Tax-Saving Funds (ELSS)
Capital Protection Funds
Pension Funds
Sector Funds
Index Funds
Gilt Funds
Exchange traded funds
In this video we have discussed following topics:
1. Types of mutual funds
2. MF Risks
3. Best time to enter
4. How much to invest?
5. Problems with MutualFunds?
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DISCLAIMER : All contents herein are provided for illustrative, educational and informational purposes only and are not intended as recommendations to buy or sell. Any information provided herein shall not be construed as professional advice of any nature. Trading involves risks and it is advised that a certified financial analyst ought to be consulted before making any decisions
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Sir, first of all I salute you because the dare you shown and spoken about the hidden untold truth. I am a mutual fund advisor and dislike mis-sellings. Most of the points are really daring and probably you may face or facing trouble from the Giants too. About debt income schemes is really eye opener. Please also explain insight if any in other debt schemes of lower durations also. Huge money are going in liquid schemes because of lack of alternative. Banks are also not safe.
Thanks for watching!
Very good anylist
Very good video. Make more on Mutual Fund
Mutual funds kon kon se ha Jo iquti me invest Katey ha...
Q
मुझे आपका mutual fund ka vidio बहुत अच्छा लगा धन्यवाद पहली बार किसी ने सच बोलने की हिम्मत की भगवान आपका भला करे
Hello Sir, You have made a very feasible understanding of the market for investors like me. I especially like your analysis of bull trade taking market to 9930 . This is a very important que for people like us whose portfolio is in red and want to sell somehow and get some money back and invest later . But were worried in selling and booking losses at this point and also more scared that will have to invest more to average when markets go down in next rally. Please do share daily videos so we can take benifits from your experience . Thanks again for bringing positivity in our minds .Regards Achal
@@achalpuri8506 :
Bahut sari video bna rkhi truth about mutual fund inhone bhi sahi bta rkha
Really, hats of to you sir, your guide lines for beginers like me is very great ful thank you very much sir.
Sir your video is really excellent.
Sir आप एक समझदार व्यक्ति हैं इसलिए मैं आपके ही वीडियो देखता हूं सिर्फ। आप जो भी बात बताते हैं उसमें गहराई होती हैं। आप या कोई ओर ये ना समझे कि मैं चमचगीरी कर रहा हूं मैं आपकी समझ को हमेशा एक लाईक तो जरूर करता हूं। बाकी सबकी अपनी बुद्धि और अपना ज्ञान।
अभी समझ आया कि ये लोग इतने शानदार अभिनय का ढोंग क्यों रचते हैं शुक्रिया... सर....बहुत अच्छा
बकवास
बहुत बहुत धन्यवाद सर !
आप जैसे और लोग अगर लोगों को सही दिशा दे तो समाज में व्याप्त फायनान्सियल अज्ञान दिखाई नहीं देगा ।
Good
आप ने एकदम सही कहा सर, में भी बैंक मे हुँ (Joined 2004),और मेरे पापा भी बैंक मे थे ( Retired 2007), लेकिन दोनो की सोशल इमेज मे जमीन आसमान का अंतर है ......आप ने बताया इसी कारण मुझे कई जगह शर्मिन्दा होना पड़ता है ....
Ok good I know
सच क्या है
आज कल कोई सच्चाई नही बताते,हर आदमी अपने फायदे के सोच ते है,आप की बात 100टक्का बराबर है 💐👑💐👏🏽👏🏽🙏🇮🇳
Sacchai aap batate ho tum sachai pet chalte ho
I have worked in banking industry and this is so true.
Thanks for watching
सर आपने म्यूचुअल फंड के बारे में बहुत ही अच्छी बातें बताई ।आपकी राय उन् निवेशकों के लिए अति महत्वपूर्ण है जो शुरुआती दौर में संदेह में रहते हैं। क्योंकि जैसा आप ने बताया कि बैंक वाले अपना टारगेट पूरा करने के चक्कर में रहते हैं ।और तरह-तरह के फायदे बताते हैं ,लेकिन आपका यह मार्गदर्शन नए निवेशकों के लिए मार्गदर्शक साबित हुआ।🙏🙏
बहुत ही धन्यवाद सर 🙏🙏
Sir, 1st of all i salute your sincerity and honesty for briging out the truth and saving the hard earned money of innocent indian middle class. Your services are real service to our country and countryman. Pls continue and make more educating videos for protection of helpless and innocent investors..jai hind .
आपने बिल्कुल सही जानकरी दी है, तो सर ये बताइए आखिर रिटेल इन्वेस्ट जिसको कुछ मालूम नहीं है वो आखिर पैसा कहां लगाए,
Ppf
Great information.Thank you so much.Its so true when it comes to bank employees selling MFS.Every time I visit the branch I just want to finish my work and get out . They always try to either sell a policy or a mf.
Whatever this man says in regard to mutual funds is 100% correct. I've been in this for 20 years.
invest in index fund only
Where invest suffer sugest
101प्तीशसत सही बात कही है सर जी आपनने
Oh my GOD!
It's UNBELIEVABLE to see such a man like you in INDIA.
Amazing !! Today after this strong rally I got so many calls from such salesmen of mutual funds. I was looking for one genuine trustworthy voice in the woods. Thank you so much.
Thanks for watching
@@bulltrack nice comment. Thanks for informing and gide about m. F.
आप जैसे इमानदार सल्लागार से देश लूटनेसे बचेग़ा। बहुत बढ़िया
मुझे शेयर मार्केट में इन्वेस्ट करना है. आपसे सीखना है
Condom compani invast🖕 aagay baday ga
बहोत ही सच्चा और अच्छा वीडियो सर.....Thanks for you
Mr.Dilip Kumar is a perfect teacher I have ever seen before.
Wow man this guy knows the ins-outs of the game, great job!!
You said this so well. Last statement was also superb. “if i miss an opportunity, so be it. I will wait for other opportunity”
If one adopts into this completely , you are a great investment. But this needs lot of temperament. I lack it personally and want to achieve that.
Only with experience one could reach that level
BullTrack RT Well said and agree. For time being i am adopting that if NAV is down by 25 to 30 % i buy more. If market falls below , i will but bit more. But not sure when to sell. For now my investments are aligned to high level goals. And if goal comes nearby i sell and keep fund’s investments debt ( typically fds )
I too was always with doubt about RMs and investment companies. Now you have supported with my beliefs to sort out my doubts.
Salute to your genuine guidence.
इस बात से मैं कंफ्यूज हो रहा है मैं किस फंड में इन्वेस्टमेंट करना है आप सही रास्ता बताएं
Well said by Warren Buffett,” The stock market is a mechanism to get money from the impatient people and give it to the ones with patience.”
Haa
thats why may be he earned all his money by investing in equities...
Yes very true video
Aap ne bahut hi achche tariqe se samjhaya mai bhi invest karne wala tha aap ka shukriya
I am a banker in PSU. This is the main problem in banking industry. now cross selling becomes mis selling. But no one understands the problems we have.
completely agree
R x r xx x
Out 12 month Bank put their efforts 9 month on cross selling and 3 month on NPA recovery.
Modi Hai toh munkin hai 😜
Sir, I highly respect to you bcz u r really a honest person and get best suggetion for all over people.
बहुत बेहतरीन वैल्युएबल इंफॉर्मेशन इतनी डीप नॉलेज हर कोई नहीं देता है
Sir
It"s my belief that you are simply GENIUS and ULTIMATE TEACHER !!! Accept my warm regards !!! Please make more videos for us and please never stop from making SUCH MEANINGFUL and NECESSARY DIDACTIC VIDEOS !!!
Good
My view on MF investment to keep SIP of minimum amount say Rs 500 per month, When market crash NAV down at minimum level or calculate level, at that time lumsum about is to be invest in the same portfolio. It helps to strengthen our invested amount.
LIKED THE DARING SPEECH AND KNOWLEDGE OF MUTUAL FUNDS
Thanks for watching
I have been in touch of share market from 1993. Your vdo is excellent 👌 and very true 👍 I have all the hotch-potch of banks and agents
I am a patient investor
Made money 💰 till date
I listen and see all the programmes
But invest on my annalysis and that's why I am successful 💯
Please dont stop making vdos
Viewers will miss the truth about the markets
Very informative on MFs. I have been a regular investor in MFs since its inception, but your points have increased my knowledge. Thanks. I used to invest in FIM funds, which are debt funds. However, now I will think twice in investing FIM Funds.
In 2017 I invested 20000 in hdfc equity fund growth opption for 3 year locking period. When it's mature in July 2020 it's value is 15165/- only. How I believe to our broker.
Because this time corona came Market down but Jan 2021 Market growup
Wait, withdraw only when in profit. Time will come.
very good knowledge and believe me I faces the same problem. Some Bank executive had called me and explain their plan and try to manipulate my thinking with view to their own interest but somehow i delayed. This was about 3 months ago when the market was at its peak...
Again thanks a lot for such a great information, keep sharing such type of information
Thanks for watching
Sir ,
You are very much True & Honest in your videos in terms of explaining the subject .
Your approach & honest explaining is highly appreciated.
Wishing you all the best .
Last part was most imp. never think of missing the rally as long as market is there u will get an opportunity.
Yes...agreed
Sir you are doing a great service for the people especially, for hard earned middle class people. Please keep it on.thank you for your best deeds for the welfare of the people who are investing his hard earned money with closed eyes.
Great explanation
Well done
Keep educating the novice investors
Really financial conduct of banks is bad
Loved the presentation
Thanks
sir आपने सही जानकारी प्रदान की l हमे बताये कि mutual fund के लिए जो आपके द्वारा बतायी गयी हैं सही है कि शेयर खरीदना सही है l धन्यवाद sir
100% correct analysis.Unique advice. Many many thanks. Want more video in MF.
Thanks for the suggestion
Sir, Thanks for bringing clarity on the issue. May God bless you and your family.
Your small tip in buying the mutual fund at the end of the video is actually a tip of the iceberg. An eyeopener. Great job Sir.
बैसिक फंडामेंटल जानकारी बहुत ही महत्वपूर्ण दी है आपका तहदिल से आभार मनता हूँ.
You have well defined MF and the view of the players dealing these funds with investor. Looking at the broad advertisement of MFs on TV an investor who has been cheated only can sense the intention behind. Your videos are truly alarming enough for lakha of Investors who do not know the ABC of MF and the real risk on it if invested by the words of brokers or Banking people.
I think the avenues of risk free investment is rare except Govt Bonds, please give your comments on this issue.
Sir I agree with you 100 % I have also personally felt that for small investors in equity market too it is very difficult to earn. Some times if a person earned a small profit for a short period but subsequently he has to loose many times of the earned. This is my long experience from the time of Late Harshad Mehta's.
I respect the way you make us understand 👍
सर तुमचे खूप खूप धन्यवाद सामान्य माणसासाठी दिलेली ही माहिती खूप महत्त्वाची असून तुमची मांडले तेवढे आभार कमीच आहे खूप खूप धन्यवाद
I agree FULLY with you. However, retail investors have few investment options and MF is unavoidable. Insurance is also widely sold in the same way. Pl make few videos on Insurance mis-sellings. Stocks, MFs, Insurance are important areas where your advice is NECESSARY for all. Thank you for your service.
Sir, Thank you so much for sharing this. Professionally, I am an insurance advisor in LIC and I want you please allow me to share this information to my customers.
Thank you once again.
Amit Kumar Jha.
Sir, thanks a lot for the wonderful insights regarding MFs.
I hope I understood your advice---
Purchase only in pure large cap funds,when NAV has fallen by 50%.
Clarification: only purchase lumpsum & not by SIP mode.
Awaiting your valuable opinion,Sir.
Yes, that is what we like to do
Is it correct that NAV of 10 rupees and NAV of 50 rupees are not important while investing in a particular MF. NAV of a Mutual Fund is of no consequence while investing in a Mutual Fund.
Really informative . Thanks for speaking so fearlessly about banks and RM's
Fund manager should work for unit holder not for AMC but they get salary from AMC.
Jack boogle said NO MAN CAN SERVE TWO MASTERS
Well said!
Master stoke
Boss, I started watching ur videos just recently.... I want to say ur concepts are too clear with great analytical power 👍
Realy great knowledge
आज तक आपकी तरह किसी ने नहीं समझाया है मच्यूल फंड के बारे में बहुत ही अच्छी जानकारी प्रदान की आपका धन्यवाद।
Lic
Mantra
Mutual fund
Return aaega
Amount
Sir
Sonu Kumar
@@sunilkumarsah6267 l
Disagree with his comments ...
1. Bank hardly calls for mutual fund investment
2. MF has very less expense ratio less 1-2 %
3. Mutual fund can not short sell but can sell if it has met has objective
4. MF has very good risk adjusted return.
1-2% expense ratio per year hota hai, vo koi kam nahi hai,long term me vo lagbhag half returns le jata hai due to compounding.
Sir Your assessments are always very Genuine.. Sir at what Nifty & it's P/E level should we invest in Nifty Index Fund ? Thanks
7000.. around 16 p/e
@@mukeshmohanty4001 Thanks
Please watch our recent videos to know that
I m sbi employee
I like all your videos
But this is close to me...
We r facing the dirty truth you told..
Love you sir take care
आपने म्युचल फंड के बारे मे बहुत अच्छी इन्फॉर्मेशन दिया मेरा विचार यही था कि एसबीआय म्युच्युअल फंड मे पैसा इन्वेस्टमेंट करने का विचार चल रहा है टेन वक्ते आपने सही सल्ला दिया मै आपका आभारी हू ऐसी इन्फॉर्मेशन बार-बार देते रहे
What is your opinion about Nifty 50 Index Mutual funds? Highly recommended by Varun Malhotra. Thanks!
UTI Nifty Index fund is really good as it invests 89% in Large cap funds. Also it has lowest expense ratio (approx 0.30 %). Moreover one should always buy direct plan through Kuvera/Groww/myCAMS etc instead of regular plan.
Invest in UTI NIFTY INDEX fund with direct growth, the expense ratio would be 0.1%
This video has opened my eyes.
Wow, thanks a lot Sor Admire you for speaking out the absolute reality in Mutual funds and risks integrated pr interwoven with schemes just to tempt one to go ahead and get surprised on a later date repenting on taking drastic decision in life. Awesome wll explained!!!
धन्यवाद भाई, आज मैने यह व्हिडिओ देखा और मुझे आपने सावध किया है।
Great Sir..i can vouch completely of what he said as i have also spend almost 20+ years in this Industry and what he said is 100% correct
20+ years in which segment? Banks or Securities? Bcoz pvt banks love Insurance & only Insurance
What should we do regarding our existing SIPs ? Should we reduce the amount ongoing per month and invest lumpsum once NAV comes down to ~50% ?
I think u should double ur SIP or start a fresh with lumpsum extra u have and keep.aside for 3 years that will give u good correction n benefit
सर। आप को हजारों शैलूट
आप ने सही जानकारी देकर लाखों लोगों की आंखों को खोल दिया
मेरे नं पर बात करेंगे तो मुझे बहुत खुशी होगी
This is your first video I am seeing. Information you have given is really awesome, so too the way you have presented it. It is as if you are talking directly one to one. I want to see all your videos. Learnt a lot about MF.
Your no nonsense style of speaking the truth is admirable...
You deserve heaps of thanks and appreciation. I do have same understanding about mutual funds and fund brokers but your statement has sustained my douts and insight. Your video will serve many needy and greedy to keep away from opportunistic and temptating Agents who better serve their self first.
You are Honest Man Today my eyes have opened Thanks
This is how to tell, sir ji i am impressed. Really great.
Thanks for watching
Thanks for Details mai bahut dino se yahi information chahta tha lekin mujhe koi mutual fund investments agents yeh details Nahi batate meri 3 saal ki sip total 50 percentage decrease hi gai hai aur mai abhi mutual fund ke sivay direct A class Equity Share me invest Karna chahata hu par mai is duvidha me hu mutual fund me invest Karke average Karu ya Direct Equity Shares me invest Karu please mujhe advice dijiye thanks sir is video ko appne hamare saath share kiya
👍👍👍👍👍👍👍👍👍👍👍🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉 आदरणीय आज़ आपका वीडियो देखा, आपके समझाने का तरीका बहुत ही सराहनीय और ज्ञान वर्धक प्रयास था, भविष्य में भी आप ऐसी ज्ञान वर्धक जानकारी देते रहें,धन्यवाद।
Sir, I am close to people working in the fashion described by you. You have shared correct knowledge and rather added to my knowledge. Thanks to you. Here I would like to add that most damaging aspect in Mutual Funds investments is "Expenses" charged from funds. Whether the funds are gaining or loosing, irrespective - Expenses are levied - Means AMCs and their associates always gain, even if the investor is loosing. In other words, returns through Mutual Funds, are always lesser by about 2 % to 3 % p.a. due to "Expenses" charged on funds. I feel, a smart investor if copies the "Portfolio" of any Fund and directly invests in Stocks in the same ratio, he can save atleast 2 % to 3 % every year on the same investment, having same stock market exposure.
I love your honesty and clarity Dilip. You should really start something. We will love to support you through any subscriptions or something and gain profits too with your direction and experience. We need real people like you in this field. Do consider.
Thanks for the suggestion and support. We have certain things in mind which we will share at appropriate time
Please start an asset management service for retail investors, who can benefit from both long positions, short positions, and various other financial instruments. MFs have been cheating people left, right and center.
Mutual Funds are always subject to market risks and are well regulated. So those who invest in it should always remember about it. Investment in Stock market is much more risky. Stocks also fall and so the NAVs of Mutual Funds so need to follow studied approach while investing either in stocks or Mutual funds. The video is partially correct about selling of MF products by Banks but blindly blaming MF employees is totally wrong. Fund managers always work like trustee of the funds and invest accordingly to optimize NAV of the fund.
Sahi jankari Dene ke liye aap ko bahut bahut dhanyabad sir
Please guide mam
True
Sir aap ne gagar me mutual funds ke sagar ki sachchai ko bharne ka bharpur prayash kiya hai.... hats off for ur genuineness....👍👍👍👍👍🙏🙏🙏🙏
Sir make a video for the beginners to invest in MF. how to start this.I personally want to start for 5years.Which one is better in Large cap.
Good information. People like you are rare in the market who possess knowledge and share it in unbiased manner. I am your recent subsriber and i am intersted in knowing your forthcoming views. Keep it up.
9 Dislikes are from RM...
Forgive them...they are also human😀
@@bulltrack the thing is the entire organisational structure is such that the RMs are only the end product you see.
Agreed!
Excellent video. Nothing better than this, all aspects cleared for a layman. Superbly explained with threadbare clarity. TIR NISHANE PAR. Pity those who dont see this video.
Pl do come out with more videos opening up the secret devices adopted for deceiving their own customers who are bread earners for their business houses. I for sure will revamp my MF portfolio
Appreciate your video. I am also never convinced with Mutual Funds, although I have taken a few. I am still not very clear how can I earn in Mutual Funds and no one has been able to clearly tell answers to my questions. Your video answers many of my doubts. The agents who sell Mutual Funds have never ever said Ok to open a Demat account to buy Shares, at least at this time when the share mkt was and is down. I only want to invest for a max of 2 years when the mkt will come up and I will exit. I lost about more than $20,000 (in US Stocks) long back so now can't afford to do the same mistake again.
Please continue posting your videos and expose the wrong deeds of many. Please do tell the good parts also, where we can invest.
EVERYONE SAYS "MUTUAL FUND SAHI HAI". FIRST TIME I HEAR ABOUT ITS DRAWBACK. EAGERLY WAITING FOR NEXT INFORMATIVE VIDEO.
no one says mutual fund sahi hai wo advertisement hai mutual fund association ka wo to accha kahenge hi
Pls make a video on smallcap fund, as things r turning very interesting. ppl r stopping sip in them so most of them have opened up for lumsum so that they could add whatever they could at lower levels as mostly the don't remove there amount in bad shares instead they stop adding more.
Koyi yo insan hai jo logonko sach jo kadwa hai bata raha hai.kamsekam kisika to faida hoga koyi garib dubnese batch jayega.very good work don thankyou.
Aaj ke date me itni imaandari se baat krna or ek aam insaan ko barbad hone se bacha lene yeh kisi Haj krne jaisa hai ❤❤🎉🎉🎉
I subscribe ur channel and I hope U would serve ur subscribers as it is.
Thnx a lot.
Hello sir, i loved your video on mutual fund. Kindly make more detailed videos on how to buy and what kind of MFs to buy and what would be good MFs to invest according to you during this time
Thanks for the suggestion
Only three words for you Sir - Super Authentic Information !!
Thanks for the indepth analysis and showing of realities hidden in the concept of mutual fund.
ਬਿਲਕੁਲ ਜੀ, ਆਪ ਜੀ ਬਹੁਤ ਹੀ ਮਹੱਤਵਪੂਰਣ ਜਾਣਕਾਰੀ ਦੇਣ ਤੇ ਬਹੁਤ ਹੀ ਧਨਵਾਦ ਮਿਹਰਬਾਨੀ ਜੀ।
I like, please do continue making videos on MF and enrich our knowledge, thanks
Thanks for the suggestion
Sir pls recommend me one good large cap fund and tell me the amount I should invest for how many years.....?? Honestly
Very nice truthful explanation in this video ... really appreciable
Thanks for sharing your experience with all
I am very confused. If do not buy MF, do not buy property, do not buy gold, do not invest in bank FD. Then where to invest? Please reply?
Sir really true we have less experience but we invested through hdfc bank now every day now my father is also scolding me every day.
You are right.
Sir, please share which large cap stocks to buy and when?
Thanks for the suggestion
Sir, Thanku for this valuable video on MF. Most of my doubt clear now but one doubt i still i.e. Should i go with SIP or LAMSUM in MF ?
Thanks sir
।।अति उत्तम एवं उपयोगी जानकारी जिसके नकारात्मक पक्ष को भी रेखांकित किया गया ।। धन्यवाद
Gilt funds are very risky as these are highly sensitive to interest rate fluctuations. At times they give negative returns also. It is right that there is no credit risk with such funds.
Thanks for sharing your views
Sahab aapne sahi bataya koi riletv hoga to bhi esa nahi batata sab apani kamai dekate he mene shocha ki invest se pahale koi vidio enalissis kare aapka vidio se sahi margdarsan mila
Sir, I watched so many videos on youtube today after watching this I will change my Mutual Fund Stretegy, this is very useful, please made more videos on Mutual Fund and also advised is SIP way is ok or not, glod bless you good health
Better do a lumpsum investment instead of SIPs. Thanks for watching
@@bulltrack sahee kaha
Sir I salute you for your honest suggestions and info.
I am a retired NRI and experienced here in india that every RM /BANK are fraudulently mis-selling the policies. Banks itself giving training to their RM to cheat their innocent clients . 🙏
Bahut badiya sir
Louto Khao companyha
Wow sir really appreciated..maine kuch din pehle hi HDFC mein account open karvaya tha toh wo bol rahe the k aap demat open karva k sip shuru karva lijie or wo thoda insist bhi kar rahe the but maine already upstox pe trading karti hu toh maine unko bola k mujhe thodi research karne do fr main sip open karva lungi agr sahi laga.or abhi mujhe apki ye video mil gae k wo aisa kyu karte hain.. thankyou so much sir for this valuable video.
Sir u are Daring Man, Really you are a Hero for our Retail investors. I like yr informative videos. You reveals hidden truth of Markets.
U have put your soul in this video. Keep giving such videos.
Your video provided me deep insights about the way mutual fund industry actually works. Thank you so much sir. Eagerly waiting for more to learn from you. Best wishes.
Thanks for watching
@@bulltrack
Before giving comments I want to discuss with on mutual fund investment because most of the things you spoke are not understandable and true