Asset Types and Allocation / சொத்து வகைகள் மற்றும் ஒதுக்கீடு
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- เผยแพร่เมื่อ 18 ก.ย. 2024
- Different asset types in India and US market are explored along with their risk, return potential and recommended allocation in this episode in Tamil. Understanding different asset types help in making certain financial decisions now to achieve our long term financial goal.
Following Questions are answered:
1. If "Cash is King", how much cash can I hold at any point of time?
2. Is "Gold" good investment?
3. How much Stocks and Bonds exposure recommended?
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LinkedIn: / vijay-mohan-sn
Twitter: / invstmntinsght
References:
Indian Inflation Chart:
www.theglobale...
Good Read on Gold Investment: awealthofcommo...
Historical Gold Price Chart: www.macrotrend...
Historical Gold Price in India:
www.bankbazaar...
Historical USD to INR exchange data:
www.investing....
India Housing Index:
residex.nhbonl...
Case Shiller US National Home Price Index:
fred.stlouisfe...
Indian Stock Market Return:
www.theglobale...
DISCLAIMER:
The content of this video is my own opinions and is for information purposes only. It is not intended as a substitute for professional financial advice. It is only intended to provide education about investments.
#VijayMohan #InvestmentInsights #BuildingWealth
gold rate in US dollars against rupees makes me think more about gold investments. thanks sir!!
Clear explanation!! Your channel will grow bigger heights...
Thank you. Glad you liked the content.
@@InvestmentInsightsTamil Hi Sir, do you have any template to check the financial planning/level of individuals.
@@InvestmentInsightsTamil rte r trmememerrrmeereerbbb bbn
Excellent content. Could you please do a video on building monthly Dividend paying portfolio as part of asset allocation in US ? I have read about turning ON reinvesting dividend till we retire and turn off after retirement to live off monthly dividends combining with 4% withdrawal rule.
very clear, if we study the same subject in the book, it may take more than a month for the average man. The valuable book content is given as Juice here. Thanks to you.
One of the best financial channels in Tamil. Very clear and easy to understand explanantion.
Sir. Iam following your channel for the past 2years and my investment knowledge grew from 0%to 50%.I should say.Thanks a lot for inspiring and showing us this path..and also I start my investment journey with lndex fund Since 6months .
👏🏽
Very informative session for Tamil audiences. Great work.
எனக்கு நிதி நிர்வாகம் தொடர்பாக அறிவு இருந்தாலும், நீங்கள் விளக்குவது அருமை, இன்றைய நிலை Asset allocation பற்றி உணர்த்தியுள்ளது. தற்போதைய சூழல் விவசாய நிலங்கள் மீது மரியாதை ஏற்படுத்தியுள்ளது, இதையும் Asset allocation ல சேர்த்துக்பொள்ளலாம்
Asset allocation onu earukunu unga video pathu than thayrnjuketan THQ sir,eappa than unga channel play list pathuketurukan,kandipa en family members kandipa teach panuran
Wow sir! most underrated TH-cam channel !!plz do more and more videos I became ur fan
மிகவும் பயனுள்ளதாக இருந்த து ஐயா
Real investment insights , outstanding analysis and explanation . A big thank you for all your efforts & time for sharing such a wonderful information which makes layman to understand better than jorgans.
Glad you find it useful.
I think In India real estate is depends on location anna. In city its not giving much return but in many village area now its giving double income in 5 years
Am from science background,I know nothing about investments now am learning and your's is good in Tamil. Thank you sir.
Very clear explanation sir...nowadays your videos are my favorite...we got better understanding but i don't know how to implement this in real life situation....For middle class people how they implement in our life.. Make videos for us sir.. Thank you...
Seriously you are best teacher ❤✌
Thank you sir! Lots of gratitude to you
Very impressive information. Explaining like a friend/bro/dad. God bless you sir.
Your vidoes are amazing. After I watched your video, I bought some ETF from your excel.Where can I buy index fud ? If you can explain difference between buying ETF and Index will be very helpful
They are essentially same. For long term investment, it is no different. You are fine with ETFs.
Excellent explanation of asset classes and a perfect summary.. good job 👏 👍🏻
Nice explanation sir👍. Very good tamil . No so much fancy words. All are real words from yours experience 🙏
Clear and Simple explanation. Thanks
vijayji , will be helpful if you cover how to buy bonds in india and usa in topic , whereby as a non financial person if someone needs guide on how to check for bond list and how to but and what process and dependencies are there.. looking forward for that video
Good suggestion.
Dear Mr Vijaymohan Sir, Thanks for your insights and it a big eye opener for ppl like me to know about stock market. one thing u keep stressing about index funds. How do think index fund growth in India,as you explained the Indian index is having more narrow dips when compared to US. When I read some of the articles they are not talking postive about index funds and they say frequent dips or narrow will offset the growth. Pls share your insights....... A big thanks for your service and I wish your channel grow great heights....
Those articles must be sponsored by mutual fund industry.🤣
India is an emerging market and so it will be lot more volatile compared to US. But then also it means, it has more potential to grow in long term. I would say, do not worry about the dips. Invest for long term. As I said in "Risks in Index Fund", the dips not matter in long term.
@@InvestmentInsightsTamil Thx for the response
Excellent content. Engaging style. Great usefulness. Thanks s ton!
Thank you sir it's more valuable for youngsters like me
Thank you so much! Simple and effective explanation.
Very good information Sir. Thank you for the guidance. Good comparison between US and India.Thank you 🙏
Good explanation and its helpful to us
Thank you
Real estate and stocks for me are the best.. but this is all great information again! Dropped you a sub
Hi
Very recently i started to watch your channel. Very informative and lead me guide some finance discipline steps. Please share more videos... Very informative.. highly appreciated...
Glad you find it informative.
Clear presentation Sir....Thank you..
Thanks and welcome
Good content thalaiva!! Refreshed!
really you're a gem to all sir. do more content pls
Gold return info really good
Sir your video good its useful 👍. I want more videos for middle class people best investment plan.
Hello Vijay Whats your take on Sovereign Gold Bonds in India.. I thought it is worth investing in it for 8 years since Gold rate has always been on the rise.. But this video jeopardised my thoughts!!
Sir clear classification..
one question.. I see many places u mentioned long term in stock market... So what's the figure value of this "long term"..
More than 7 years.
@@InvestmentInsightsTamil ok sir thankyou
Clear Explain...
super sir professional teacher
Nice
நன்றி.. ❤️
US-REITs cannot be classified as High Risk. VNQ Vanguard Real Estate REITs ETF quoted as (4- Risk Rated = Moderate Risk).
Great video once again. Do you have a video covering Indian bond market. There isn't much resources available about Indian bond market.
I do have a video about Bonds in general. Check, "Share Market /Bonds" playlist.
Excellent explanation 👌👌👌
Glad you liked it
excellent info.
Awesome work sir
Super explantion sir. Sir, also please explain how to buy rental income property
Glad you liked it. I am not really a Real Estate expert. Can't really share much on rental income property. Sorry.
Sir thanks for your valuable information kindly talk about cryptocurrency
Watch the Bitcoin series in this channel.
Great job. Do more videos....please
Sir, my MF portfolio is large cap- 66% mid cap- 22% and small cap- 12% these include debts 3%, hybrid23% and foreign 5% and rest are Equity. Should i continue in same flow or do I need some change ?
thanks and subscribed
Sir, Could you please share your portfolio in percentage??
Good video sir..How to buy ounce of gold bar in US? How much need to pay for customs if we carry it to India?
Thank you anna
sir, In the asset allocation, you didnt mention PPF and NPS in india
Great
Great info 👍
Hello Vijay guru, What is your take on investing in index funds in India vs US? If we can expect 16-18% returns in India, do you expect 10-12% returns in US + rupee depreciation beat the index funds in India?
No one knows how the future is going to be. I would suggest to have both the exposures.
@@InvestmentInsightsTamil I think where we are going to live matters
Thanks sir
Bro index fund video poduga
Its already there: th-cam.com/video/tfNXTl64HK8/w-d-xo.html
Super sir
Sir, after watching all your videos, Is it still required for us to approach a financial advisor? (I am taking notes of your videos)
It depends on how comfortable you are with handling financial stuffs by yourself.
I am revisiting these videos and had a doubt Vijay guru. Would you consider retirement funds like 401k, PF in your asset allocation? I am asking because one has to make decisions like contributing to after tax 401k vs other assets.
Yes, definitely.
@@InvestmentInsightsTamil Thank you for the response.
👍❤🎉
Do you recommend investing in Indian real estate (Chennai) while we are in the US?
Any pros and cons related to this
Thanks!
I don't. That does not mean that it is not recommended. It is personal choice. Do it if you like that.
Is it advisable to keep emergency fund in money market?
Sure. Definitely better than having it in checking account that is not earning any interest.
Do you have REITs in India ? If yes what are they?
REITs are at early stage in India. I see just Embassy Office Parks as listed REIT in India: ir.embassyofficeparks.com/investors/investor-overview/default.aspx
Sir what is allocation
Vijay Mohan, In USA, Does paying mortgage considered as real estate investment . Also mortgage 15 years vs 30 years tenure, your feedback on that pls .
It is better not to see that as an investment, but as an utility for our stay.
15 vs 30 - totally personal choice. 15 - if you do not like to be in debt for long. 30 - if you think 3% loan is very cheap for paying it off soon.
@@InvestmentInsightsTamil Sir for FIRE you mentioned to have corpus of 25X or 30X. In that can we consider the value of our house too if mortgage is completed.
@@sangeethaselvaraj1949 Sure. But it is better to exclude illiquid assets as we will not get cash flow from it after retirement.
@@InvestmentInsightsTamil Got it Sir. Thank you so much for clarifying.
What about NCD investments Sir
Please help me
We are investing as you said in all aspects. But we don't have enough knowledge about stocks. How can we invest in stocks. I need your help sir. 🙏
Do not invest in individual stocks. Stick to Index fund. You do not actually need anything more than that.
Hi Vijay sir, i am 36 years old, i will achieve my 25x annual expenses when i will be close to 40. I want to know your ideas regarding what percentage should i have in bonds and stocks after getting to the 25x, having 60 percent in stocks seems a bit risky for me...I am looking to quit my job after achieving 25x [for personal reasons]. Your inputs will be much appreciated. Thank you.
Can you explain about bonds in a video
It is already in the channel. Check Share Market/Bonds playlist.
Hi, you have said bond index fund. I am not clear on this. Are you talking about buying bank bonds / corporate bonds or bond funds (i.e. mutual funds) ? The reason I am asking this, last year I bought some tier II bank bonds. If you give some light on this, it would be great.
I meant bond funds.
@@InvestmentInsightsTamil மிகவும் நன்றி
Sir, REITS fund is available in India?
Hi Vijay..i have a doubt in retrns % calculation. Considering I have 2 FDs, I can think like the total amount from the sum of 2 FDs would give a return of 8 to 9%
But if I have 1 mutual fund and 1 index fund, how to consider the annual return from these 2... Should I consider 13 to 15 % for each of them or something different ?
If it is one time purchase it is pretty similar.
👍👍👍👍
How to invest in Bonds...? In which platform
Buy debt funds rather than individual bonds. You should be able to do it just like the equity mutual funds.
@@InvestmentInsightsTamil Thank u
👍
What are the trading apps in India with zero commissions? Like in US we have Robinhood and Webull!!
I am not that familiar with Indian brokerages. But I am hearing lot of good things about zerodha.
@@InvestmentInsightsTamil I recently came across Kuvera. It is also good. Zero commission and we can do direct investment. I'm investing in index funds using this app. But, still buying stocks or bonds are not possible. It is suited for Mutual fund investments.
Subtitles neraya edathula chart details ha marachiduchi next time atha konjam adjust pana parunga
But content worth 🔥🔥🔥🔥🔥
Subtitles is overlay on video. I cannot control it on where it displays. If you are Tamil, disable the subtitle and watch without it.
@@InvestmentInsightsTamil ✌️
Hii sir.. in which financial firm u had ur career..?
Check my Linked in profile.
@@InvestmentInsightsTamil
Unga Tamil keka romba nalla irukku sir..
Unga knowledge share panrathukku romba nanri...
sir is it possible to buy US bonds in INDIA??
I believe you need International (Global) account to buy US bonds. Fees could be hefty.
@@InvestmentInsightsTamil thanks sir 🙏
Neenga osho follower ahhh!!!!
Yen?
All your videos are very good but one negative feedback... Neenga adikadi america pathi pesuringa it diverts us and losing track, relate pannika konja kastama iruku... I hope your target audience is indian tamils.
Target audience is Tamils, both in Tamilnadu and America and also anyone who dont mind reading english subtitles. America ku vara first generation makkalaana engala maathiri patta aatkaluku, financial guidance kodukka yaarumey kedaiyaathu. Athunaala thaan oru concepta explain pannum pothu, athu yeppadi America ku fit aahum nu sethu solren. Ungalauku relate panna kastum nu enaku theriyum. Just antha parta skip pannikonga.
Who is here after choosing wrong answer in the poll 😅
Sir I will meet you sir?
Sir Is there any tax or fee need to pay while withdraw money from mutual fund? Pls clarify.
Sir How to contact you? Sir small small doubt sir
Send me an email to vm.investment.insights@gmail.com
I think u invest the u tube
i am 21 years old😀
Enjoy Ur investment journey
U r carefully ignoring the gold growth from low points..entha kenayan peak la irukaappa Thangam vaanguvaan..y r u not taking lowest points
If u say so buying something on d peak will blow u off even for stocks .
Thanks 🙏🙏