🎯 Key points for quick navigation: - 00:00 💬 Introduction - Session begins with speaker confirming audio and planning to share a case study. - 00:29 📊 Portfolio Discussion - Investor moves to direct funds to avoid high expense ratios, eventually managing 22 funds. - 02:05 🔄 Investment Strategy - Investor adds funds over time, leading to confusion and difficulty managing the portfolio. - 03:09 🤔 Realization of Complexity - Realizes managing many funds is complex and considers consulting an advisor. - 04:17 ⚖ Regular vs. Direct Funds - Comparison shows switching funds resulted in a significant return difference despite market growth. - 05:12 🧠 Simplicity in Portfolio - Simplifying to 5-6 funds improves portfolio management and reduces confusion. - 05:50 🧑💼 Portfolio Simplification - Switching to direct funds and limiting to fewer funds improves efficiency. - 06:31 💸 Value Addition in Fund Management - If no value is added by an advisor, switching to direct funds is advised. - 07:40 🧠 Overcoming Confusion - Avoid external noise and stick to a simple, clear strategy for better results. - 08:34 📊 Monitoring & Accountability - Regular reviews with advisors are essential; reassess relationships if no value is added. - 09:41 🔄 Reevaluating Over-Diversification - Avoid over-diversification and stick to a simpler, more focused strategy for better returns. - 10:09 🧘♂ Disciplined Investment - Consistency in a simple strategy leads to better long-term results. - 11:47 💸 Early Retirement Planning - Realistic planning is key; expenses can increase over time, affecting early retirement plans. - 12:55 🔄 Expense Adjustments - Inflation impacts expenses over time, and planning should account for this. - 14:00 🧠 Psychological Impact - Underestimating future expenses due to inflation can lead to unrealistic financial plans. - 15:08 📚 Child Education Planning - Plan for future education costs by considering inflation and potential increases. - 16:21 📅 Retirement Trends - Early retirement is a growing trend; proper financial preparation is essential. - 17:05 💸 Retirement & Saving Strategies - Save at least 30-35% of earnings for retirement and long-term goals. - 19:03 🌍 Economic Impact - Political events affect market sentiment and stability. - 21:26 📉 Large-Cap Stocks & Foreign Investment - Foreign fund outflows are impacting large-cap stocks, influenced by rising interest rates. - 22:38 💡 Power of Compounding - Compounding works best with long-term, consistent investments in the same asset class. - 23:09 💼 Portfolio Restructuring - Restructuring a portfolio can enhance growth without disrupting compounding. - 24:18 📊 Fund Consolidation - Analyze fund options based on performance, growth, and quality for better portfolio selection. - 25:31 🔄 Comprehensive Portfolio Design - Create a balanced portfolio considering risk profile and investment goals. - 26:57 🧠 Holistic Approach - A simplified, holistic investment approach leads to better long-term outcomes. - 27:50 💬 Simplified Approach - Focus on simplicity for more stable growth and easier portfolio management. - 28:20 💼 SIP Benefits - SIP is beneficial but should align with the investor’s goals; behavior management is key. - 28:47 🔄 Mutual Fund & Insurance Products - Only include necessary financial products; simplicity is crucial. - 29:28 🧮 Execution Help from Advisors - Seek advisor help when unsure; structured plans reduce costs and increase returns. - 30:08 📈 Allocation Guidance - Young investors should focus on equities for long-term growth; seek personalized strategies. - 31:08 💡 Equity Portfolio Strategy - Young investors should prioritize equity markets for better returns; professional guidance is key. - 32:08 📊 Fund Size & SIP Performance - Fund size doesn't always impact returns; a consistent strategy is important. - 32:52 🔍 Long-term Investment Approach - Focus on long-term strategy; market cycles affect short-term performance. - 33:33 📈 Retirement Income Strategies - FD may suffice for a large corpus; pension sources can reduce the need for further investments. - 34:01 💼 Retirement Planning & Inflation - Inflation-adjusted strategies are essential for comfortable retirement planning. - 34:56 🏠 Managing Finances in Retirement - Prioritize essential needs and efficient asset allocation in retirement planning. - 35:40 🔄 Flexibility in Fund Management - Evaluate fund performance and personal preferences when deciding whether to stay invested. - 36:37 📊 Fund Performance Review - Review fund performance regularly; switching to index funds may be necessary if funds underperform. - 37:32 💡 Simplifying Investment Choices - Keep investment choices simple; too many funds can cause confusion. - 38:01 ⚖ Mutual Fund Diversification - Diversification is important but shouldn't overwhelm the portfolio. Keep it manageable. - 38:54 📉 Tax Compounding & Capital Gains - Long-term capital gains tax grows with returns, increasing total tax burden. - 40:28 💡 Simplifying Investments - Fewer investments help tracking and management; focus on consistent performers. - 42:04 📊 Tax Cuts & Market Impact - Market response to tax cuts remains uncertain; volatility expected before stabilization. - 44:22 💡 SIP Success Story - ₹30,000 SIP led to ₹2.5 crore in 14 years; discipline ensures wealth creation. - 46:33 📈 Compounding for Goals - Long-term SIPs double wealth multiple times, emphasizing time over timing. - 49:08 📊 Balanced Fund Allocation - Suggested split: 35% mid-caps, 35% large-caps, rest for diversification. - 50:16 🧠 Active vs Passive Funds - Active funds often underperform; compare returns to benchmarks consistently. - 51:08 🏦 NPS vs Mutual Funds - NPS suits long-term goals; mutual funds provide flexibility for varied horizons. - 53:21 🎯 Financial Planning with SIP - SIP offers flexibility; disciplined NPS fits those needing structure. - 54:02 🔍 Small-Cap Investing - Picking winners in small-caps requires in-depth knowledge and regular tracking. - 57:11 🧘♂ Simplicity in Investing - Focus on fundamentals and long-term strategies; avoid complex approaches. - 58:15 📉 Long-Term Planning - Patience and systematic investing outweigh short-term market euphoria. - 01:00:12 💡 Loan Repayment vs Investments - Balance loan repayment with long-term goals like retirement and education. - 01:08:21 📊 Mutual Fund Strategy - Simplify investments with one fund per category for better management. - 01:11:34 💡 Market Awareness - Caution against risky strategies marketed to retail investors. - 01:12:13 📈 IPO Valuations - Current IPO trends could challenge sustainability due to high valuations. - 01:17:48 🌍 Geographical Diversification - Balance global and Indian investments; India currently preferred. - 01:19:46 📈 Growth of Financialization - Tax reforms and savings growth boost economic stability and transparency. - 01:22:07 💰 Gold vs. Crypto - Gold is stable; crypto is speculative and volatile, needing caution. - 01:23:15 💡 SIP & Planning Advice - Follow SIP discipline with step-ups for growth; use tools for goal-based planning. Made with HARPA AI
Hame 'peace of mind' and 'pieces of mind' ka farq batane ke liye shukriya, pichle fy me mene apna 70 % portfolio stocks se mf me shift kar diya, ab week me bamushkil ek baar hi market update leta hu, wo bhi apke Friday satsang se hi mil jata hai, Bahut bahut dhanywaad 🙏🙏🙏🙌🙌🙌❤️❤️❤️. This month I Achieved my 50% fin goal. 🙌🙌
You are 100% correct sir, Earlier I was having a portfolio of 30-40 lakhs and I was able to manage easily and now my portfolio is around 2Cr and I have started moving the portfolio to Mutual fund from past 1 year years for easy life and peaceful sleep. One more feedback: I was holding one Mutual fund from past 5 year and the total return is more than my personal direct stocks without spending any time.
1:05 pe Lalita ji ka jo problem tha uska ek solution hai and yadna team can suggest this to even future investor with this problem. Wo apana sum Assurance kam krwa skti hai jis se atleast further payment hai wo minimum krna pade. I have reduce my SA from 20lakh to 4 lakh jis se meri future payment were reduced from 5k to 70rs.
Good evening sirs , I’m 45 and with 2 c corpus . Completed all responsibilities of life and want to retire from corporate. Is SWP the best way to get monthly pension ?
🎯 Key points for quick navigation:
- 00:00 💬 Introduction
- Session begins with speaker confirming audio and planning to share a case study.
- 00:29 📊 Portfolio Discussion
- Investor moves to direct funds to avoid high expense ratios, eventually managing 22 funds.
- 02:05 🔄 Investment Strategy
- Investor adds funds over time, leading to confusion and difficulty managing the portfolio.
- 03:09 🤔 Realization of Complexity
- Realizes managing many funds is complex and considers consulting an advisor.
- 04:17 ⚖ Regular vs. Direct Funds
- Comparison shows switching funds resulted in a significant return difference despite market growth.
- 05:12 🧠 Simplicity in Portfolio
- Simplifying to 5-6 funds improves portfolio management and reduces confusion.
- 05:50 🧑💼 Portfolio Simplification
- Switching to direct funds and limiting to fewer funds improves efficiency.
- 06:31 💸 Value Addition in Fund Management
- If no value is added by an advisor, switching to direct funds is advised.
- 07:40 🧠 Overcoming Confusion
- Avoid external noise and stick to a simple, clear strategy for better results.
- 08:34 📊 Monitoring & Accountability
- Regular reviews with advisors are essential; reassess relationships if no value is added.
- 09:41 🔄 Reevaluating Over-Diversification
- Avoid over-diversification and stick to a simpler, more focused strategy for better returns.
- 10:09 🧘♂ Disciplined Investment
- Consistency in a simple strategy leads to better long-term results.
- 11:47 💸 Early Retirement Planning
- Realistic planning is key; expenses can increase over time, affecting early retirement plans.
- 12:55 🔄 Expense Adjustments
- Inflation impacts expenses over time, and planning should account for this.
- 14:00 🧠 Psychological Impact
- Underestimating future expenses due to inflation can lead to unrealistic financial plans.
- 15:08 📚 Child Education Planning
- Plan for future education costs by considering inflation and potential increases.
- 16:21 📅 Retirement Trends
- Early retirement is a growing trend; proper financial preparation is essential.
- 17:05 💸 Retirement & Saving Strategies
- Save at least 30-35% of earnings for retirement and long-term goals.
- 19:03 🌍 Economic Impact
- Political events affect market sentiment and stability.
- 21:26 📉 Large-Cap Stocks & Foreign Investment
- Foreign fund outflows are impacting large-cap stocks, influenced by rising interest rates.
- 22:38 💡 Power of Compounding
- Compounding works best with long-term, consistent investments in the same asset class.
- 23:09 💼 Portfolio Restructuring
- Restructuring a portfolio can enhance growth without disrupting compounding.
- 24:18 📊 Fund Consolidation
- Analyze fund options based on performance, growth, and quality for better portfolio selection.
- 25:31 🔄 Comprehensive Portfolio Design
- Create a balanced portfolio considering risk profile and investment goals.
- 26:57 🧠 Holistic Approach
- A simplified, holistic investment approach leads to better long-term outcomes.
- 27:50 💬 Simplified Approach
- Focus on simplicity for more stable growth and easier portfolio management.
- 28:20 💼 SIP Benefits
- SIP is beneficial but should align with the investor’s goals; behavior management is key.
- 28:47 🔄 Mutual Fund & Insurance Products
- Only include necessary financial products; simplicity is crucial.
- 29:28 🧮 Execution Help from Advisors
- Seek advisor help when unsure; structured plans reduce costs and increase returns.
- 30:08 📈 Allocation Guidance
- Young investors should focus on equities for long-term growth; seek personalized strategies.
- 31:08 💡 Equity Portfolio Strategy
- Young investors should prioritize equity markets for better returns; professional guidance is key.
- 32:08 📊 Fund Size & SIP Performance
- Fund size doesn't always impact returns; a consistent strategy is important.
- 32:52 🔍 Long-term Investment Approach
- Focus on long-term strategy; market cycles affect short-term performance.
- 33:33 📈 Retirement Income Strategies
- FD may suffice for a large corpus; pension sources can reduce the need for further investments.
- 34:01 💼 Retirement Planning & Inflation
- Inflation-adjusted strategies are essential for comfortable retirement planning.
- 34:56 🏠 Managing Finances in Retirement
- Prioritize essential needs and efficient asset allocation in retirement planning.
- 35:40 🔄 Flexibility in Fund Management
- Evaluate fund performance and personal preferences when deciding whether to stay invested.
- 36:37 📊 Fund Performance Review
- Review fund performance regularly; switching to index funds may be necessary if funds underperform.
- 37:32 💡 Simplifying Investment Choices
- Keep investment choices simple; too many funds can cause confusion.
- 38:01 ⚖ Mutual Fund Diversification
- Diversification is important but shouldn't overwhelm the portfolio. Keep it manageable.
- 38:54 📉 Tax Compounding & Capital Gains
- Long-term capital gains tax grows with returns, increasing total tax burden.
- 40:28 💡 Simplifying Investments
- Fewer investments help tracking and management; focus on consistent performers.
- 42:04 📊 Tax Cuts & Market Impact
- Market response to tax cuts remains uncertain; volatility expected before stabilization.
- 44:22 💡 SIP Success Story
- ₹30,000 SIP led to ₹2.5 crore in 14 years; discipline ensures wealth creation.
- 46:33 📈 Compounding for Goals
- Long-term SIPs double wealth multiple times, emphasizing time over timing.
- 49:08 📊 Balanced Fund Allocation
- Suggested split: 35% mid-caps, 35% large-caps, rest for diversification.
- 50:16 🧠 Active vs Passive Funds
- Active funds often underperform; compare returns to benchmarks consistently.
- 51:08 🏦 NPS vs Mutual Funds
- NPS suits long-term goals; mutual funds provide flexibility for varied horizons.
- 53:21 🎯 Financial Planning with SIP
- SIP offers flexibility; disciplined NPS fits those needing structure.
- 54:02 🔍 Small-Cap Investing
- Picking winners in small-caps requires in-depth knowledge and regular tracking.
- 57:11 🧘♂ Simplicity in Investing
- Focus on fundamentals and long-term strategies; avoid complex approaches.
- 58:15 📉 Long-Term Planning
- Patience and systematic investing outweigh short-term market euphoria.
- 01:00:12 💡 Loan Repayment vs Investments
- Balance loan repayment with long-term goals like retirement and education.
- 01:08:21 📊 Mutual Fund Strategy
- Simplify investments with one fund per category for better management.
- 01:11:34 💡 Market Awareness
- Caution against risky strategies marketed to retail investors.
- 01:12:13 📈 IPO Valuations
- Current IPO trends could challenge sustainability due to high valuations.
- 01:17:48 🌍 Geographical Diversification
- Balance global and Indian investments; India currently preferred.
- 01:19:46 📈 Growth of Financialization
- Tax reforms and savings growth boost economic stability and transparency.
- 01:22:07 💰 Gold vs. Crypto
- Gold is stable; crypto is speculative and volatile, needing caution.
- 01:23:15 💡 SIP & Planning Advice
- Follow SIP discipline with step-ups for growth; use tools for goal-based planning.
Made with HARPA AI
Hame 'peace of mind' and 'pieces of mind' ka farq batane ke liye shukriya, pichle fy me mene apna 70 % portfolio stocks se mf me shift kar diya, ab week me bamushkil ek baar hi market update leta hu, wo bhi apke Friday satsang se hi mil jata hai, Bahut bahut dhanywaad 🙏🙏🙏🙌🙌🙌❤️❤️❤️. This month I Achieved my 50% fin goal. 🙌🙌
I have learn many things by your satsang
Watching Satsangi is like putting
Horses pad (zapad) which keeps us on right path . Thanks
I really loves your Friday session, very useful. Thanks for your great efforts to spread knowledge. Happy new year to your entire team🎉
You are 100% correct sir, Earlier I was having a portfolio of 30-40 lakhs and I was able to manage easily and now my portfolio is around 2Cr and I have started moving the portfolio to Mutual fund from past 1 year years for easy life and peaceful sleep.
One more feedback: I was holding one Mutual fund from past 5 year and the total return is more than my personal direct stocks without spending any time.
Great work you people are doing. I have done investments on my own and ultimately came to know, you people are right.
Thank you parimal Sir and gaurav sir
Excellent everything Sirji
Great work
Sirs, Nifty Largemidcap index is rebalanced quarterly with 50:50 allocation on Nifty 100 and Midcap 150.
Great work Sir
1:05 pe Lalita ji ka jo problem tha uska ek solution hai and yadna team can suggest this to even future investor with this problem. Wo apana sum Assurance kam krwa skti hai jis se atleast further payment hai wo minimum krna pade. I have reduce my SA from 20lakh to 4 lakh jis se meri future payment were reduced from 5k to 70rs.
Hello sir.thus Rajkumar Arora is there in sgb series in next month
Yes
👍
Yess
Good evening sirs ,
I’m 45 and with 2 c corpus . Completed all responsibilities of life and want to retire from corporate. Is SWP the best way to get monthly pension ?
Plz follow retirement bucket strategy. You can send your complete case study at contact@investyadnya.in
ETFs are best.. 80% of mutual funds don't even bear the benchmark index 😅
Parimal Ade ❌ Garam Ade ✅
Should I unvest in defence index fund or defence Mutal fund.
I am retired with good pension
It is a sector or thematic fund. If you know the upside and downside cycle definitely you can invest in it.
Yes