🎯 Key points for quick navigation: 00:02 *📉 Market Correction Discussion* - Discussion on the current market correction and price/time corrections. 02:14 *🧠 Long-Term Investment Strategy* - Emphasis on sticking to long-term investing and financial planning despite market corrections. 03:25 *🔄 Managing Investment Behavior* - Discussion on the importance of managing investor behavior during volatile times. 04:05 *🌍 Economic Challenges Ahead* - Conversation about global economic challenges due to political decisions and market changes. 05:03 *💸 Interest Rate Concerns* - Analysis of the pressure on interest rates due to global economic data. 06:06 *💭 Economic Impact of "Make in US" and Labor Concerns* - Discussion on the feasibility of manufacturing in the US compared to China. 07:12 *📉 Inflation and Economic Risks of "Made in US" Movement* - Potential inflationary effects of reshoring manufacturing to the US. 08:06 *🏦 US Tax Cuts and Debt Risks* - The US government’s tax cuts and corporate tax plans. - Concerns about the strong US Dollar index and its impact on global markets. 10:00 *💸 Foreign Investment Challenges due to Currency Depreciation* - The risk of further depreciation of the Indian Rupee as the Dollar index rises. 10:57 *🌐 India's Currency Depreciation in Emerging Markets* - India’s currency depreciation compared to other emerging markets. 11:38 *📈 Short-Term Investment Strategy* - Discussion on the current market cycle and strategies for short-term investments. 12:33 *📊 Market Cycles and Bullish Trends* - Explanation of market consolidation and the concept of a healthy correction. 13:01 *🔮 Unprecedented Growth and Market Realities* - Discussing the extraordinary growth observed in FY23-24 and the importance of managing expectations. 13:41 *💡 Long-Term Financial Planning* - Anticipating slow and steady growth following the consolidation phase. 14:27 *📉 Valuations and Downside Risks* - Analyzing current valuations and potential downside risks in the market. 15:21 *📅 Upcoming Investment Session Announcement* - Announcement of a live investment session on 16th February 2025 in Pune. 16:28 *🏙️ Session Booking and Participation* - Update on session bookings and availability for the February event. 17:30 *📉 Real Estate Market Trends and Growth Projections* - The volatility in the real estate market and difficulty in predicting future costs. 18:10 *🔄 Financial Plan Review and Adjustments* - Regular reviews of financial plans are crucial for adjusting to real-life changes. 19:33 *🏡 Adjusting Financial Plans with Market Changes* - Review changes in asset values (e.g., property prices) and adjust financial goals accordingly. 19:59 *🏆 Gold as an Investment Asset* - Gold's performance and its role in household allocations within India. 21:36 *🏅 Gold's Performance and Future Outlook* 22:33 *📉 Investment Strategy for Fixed Goals* - The speaker discusses the challenges of setting high-return expectations for fixed-term investment goals. 23:52 *🚑 Emergency Fund Investment Advice* - A stable emergency fund should not be invested in equities, as it is meant to be easily accessible. 25:02 *💼 Retirement Planning & Mutual Fund Investment* - The speaker talks about managing retirement funds through mutual funds after selling real estate. 26:20 *📚 Retirement Corpus and Advisor Guidance* - The speaker recommends reading a book on retirement corpus management and seeking advisor guidance for detailed investment strategies. 27:26 *💡 Investment Advice and Strategy* - Focus on the importance of selecting a good advisor and diversifying investments. 28:56 *📉 Market Trends and Bank Deposits* - Discussion on SIP flows, particularly how market downturns affect investor behavior. 30:01 *🔄 SIP Dynamics and Liquidity Management* - Clarification that SIP money never leaves the banking system. 31:12 *🏦 The Role of Banks in Investment Funds* - How money invested in mutual funds still circulates within banks. 32:35 *💡 Money Should Keep Moving* - Money should not remain stagnant; it needs to keep circulating to generate growth. 33:03 *💼 Bank Strategies & Competition* - Banks must actively engage with customers and offer better services to retain deposits. 34:02 *🌍 International Fund Diversification* - Geographic diversification, like investing in U.S. tech funds, can offer opportunities for international allocation. 34:45 *📈 U.S. Stock Market & Sector Growth* - U.S. stock market growth is primarily driven by the tech sector. 35:11 *🏡 Real Estate Gains & Smart Moves* - Selling a property after a short-term capital gain can be a smart move, especially when the return is significant. 36:40 *💭 Bank Investment Concerns* - Concerns about holding onto stocks in underperforming banks like HDFC should be addressed by understanding the stock’s valuation. 37:37 *🔄 Short-Term Capital Gains Strategy* - Short-term capital gains can still be valuable, especially when returns like 50% are achieved within two years. 37:56 *🌐 Global Oil Prices & Economic Impact* - Global oil prices are influenced by governments of oil-producing nations like Saudi Arabia and Russia. 38:39 *🛢️ Crude Oil Prices Impact on Indian Economy* - Crude oil prices dropping can directly benefit India’s economy. 39:48 *🌍 Global Oil Demand and Price Dynamics* - Global oil demand projections show no significant growth, with many agencies predicting negative growth. 40:03 *🏭 Impact of U.S. Low-Cost Labor on Indian Economy* - India’s low-cost skilled labor can be beneficial globally, especially for U.S. industries. 40:30 *💰 Oil Price Impact on Inflation and Economy* - Lower oil prices are directly beneficial for India's economy and inflation. 40:49 *💼 Portfolio Switch and Mutual Fund Investment* - Switching a 25 lakh equity portfolio into mutual funds is possible with considerations for short-term capital gains tax. 41:44 *📊 Long-Term Investment Strategy in Falling Markets* - Long-term goals should be invested through systematic investment plans (SIPs) in equities. 42:15 *💡 Hybrid Mutual Funds vs Debt Funds* - Conservative hybrid funds with a 15% equity allocation offer higher risk compared to pure debt funds. 42:58 *🔍 Risk Profiles and Investment Strategy* - Investors with a conservative risk profile may prefer debt funds for predictable returns. 43:27 *💡 Equity Allocation Strategy* - Guidance on how to invest surplus and bonus in mutual funds when one fund isn't accepting large investments. 44:22 *🛡️ Financial Planning Priorities* - The importance of creating a financial plan before building an emergency fund. 45:47 *💼 Transitioning Between Jobs and Planning* - Advice on handling personal finances after securing a new job. 46:21 *💰 Tax Considerations in Portfolio Transitions* - Discussion on potential tax liabilities when transferring stock portfolios to mutual funds. 47:42 *🎲 Speculative Market Movements* - Speculation on the future of market trends, including potential government decisions and their effects on investments. 48:52 *🎙️ Government Criticism and Investor Sentiment* - Discussion on aggressive criticism faced by the government from the middle class. 49:31 *🗳️ Live Voting and Audience Interaction* - Interaction with the live chat about voting and predictions on political outcomes. 49:44 *💸 Gift Taxation Query* - Clarification on the tax rules for gifting money to a spouse. 50:47 *📈 Investment Strategies for Long-Term Growth* - Emphasis on equity allocation for long-term investment. 51:09 *💼 Comparing Investment Plans* - Discussion on tax implications and charges related to insurance plans versus mutual funds. 52:10 *🏦 Open-Ended Funds vs. Insurance Products* - Strong preference for open-ended funds over insurance products for long-term investments. 53:11 *🎓 Sukhanya Samriddhi vs. Mutual Funds for Education Goals* - Comparison between Sukhanya Samriddhi Yojana and mutual funds for funding education goals. 54:06 *📊 Mutual Funds Outperforming for Long-Term Growth* - Highlighting the long-term return potential of mutual funds over fixed-return schemes like SSY. 54:34 *📊 Diversification Strategies for Moderate Risk Profiles* - Diversification is crucial for managing risk in portfolios. 55:11 *💰 Financial Literacy for Children* - Teaching financial literacy to children at a young age is beneficial. 56:12 *📉 SEBI's New Category Discussion* - The need for new investment categories is debated; some feel they are unnecessary. 57:09 *📈 Indian Companies and Economic Cycles* - High revenue years often set new growth benchmarks for companies. 58:06 *💡 Investment Strategies for Long-Term Growth* - Mutual fund investments are suitable for a solid financial plan. 58:46 *💬 Investor Engagement and Financial Literacy* 59:22 *🎓 Financial Planning for Young Investors* 01:01:13 *📅 Upcoming Offline Session in Pune* 01:02:05 *📅 Booking and Details for Financial Planning Sessions* 01:02:32 *📧 Contacting the Relationship Team for One-on-One Sessions* Made with HARPA AI
First 15 mins is absolute gold. Parimal's understanding and explanation/deconstruction of the macro picture of the world economy, markets going ahead and the currency was brilliant❤❤ More of the same please.
I am a big fan of your work Mr. Parimal, and regularly watch your videos. I also follow your investment advice and have gained valuable insights from your content. However, as a dedicated follower, I would like to share some constructive feedback: 1) At times, your views can come across as quite rigid. While such an approach might work well in smaller towns like Pune, it may not resonate with the dynamic and fast-paced nature of Tier 1 cities like Mumbai, Delhi, and Bangalore 2) Your approach often appears highly risk-averse - a typical traditional Marathi mindset - prioritizing risk avoidance over taking calculated risks 3) In some of your videos, your tone towards others may seem overly critical or even bullying at times 4) Lastly, please remember that you are also a finance influencer creating content on social media, it’s important to respect others who are also contributing to this space through their work This feedback is shared with the utmost respect and appreciation for your efforts, with the hope that it helps further enhance your already impactful content
Hi sir. U prefer 3-4 mutual funds for all the financial goals, but how to redeem it when a goal is achieved and still some other goals are remaining? How to calculate. Please explain.
Suppose one of the funds is tagged to 3 goals - goal1, goal2, goal3. Time horizon is 5 years, 10 yrs, 15 years respectively. As you reach closer to your each goal by 3 years, you start STP from equity fund to a liquid or debt fund. So considering you 1st goal will get materialized in 2030, you start withdrawing from equity fund from 2027 each month into a liquid fund. Same strategy for goals to be materialized in 10 yrs and 15 yrs. The idea should be be systematically put money into your goal (liquid fund) when it is closer to you materialization. If you are aggressive investor, and have more risk appetite then instead of 3 yrs you can make it 12 or 18 months
US has started to increase investing in manufacturing since the last 3 years, PE deals in manufacturing have gone up significantly in US. They might not be able to match China but are trying to take initiatives such as PLI in India
Gaurav Sir, Gift in ITR is shown in Other Section for Information. Income with full exemption : Gift from Father Rs xxxxxxx My son's Itax Advisor fills every year as a Gift given by me. If that amount is huge, then we prepare Notarized Gift Deed also. Regards.
Opportunity cost ke liye fixed income return for last 4 month consider karna chahiye…not against 12%… ye return expectation comes with risk of market volatility…12% linear return thori hai
Join Pune Offline Session on 16th Feb , 2025 (Sunday)
yadnya.mojo.page/punemasterclass
🎯 Key points for quick navigation:
00:02 *📉 Market Correction Discussion*
- Discussion on the current market correction and price/time corrections.
02:14 *🧠 Long-Term Investment Strategy*
- Emphasis on sticking to long-term investing and financial planning despite market corrections.
03:25 *🔄 Managing Investment Behavior*
- Discussion on the importance of managing investor behavior during volatile times.
04:05 *🌍 Economic Challenges Ahead*
- Conversation about global economic challenges due to political decisions and market changes.
05:03 *💸 Interest Rate Concerns*
- Analysis of the pressure on interest rates due to global economic data.
06:06 *💭 Economic Impact of "Make in US" and Labor Concerns*
- Discussion on the feasibility of manufacturing in the US compared to China.
07:12 *📉 Inflation and Economic Risks of "Made in US" Movement*
- Potential inflationary effects of reshoring manufacturing to the US.
08:06 *🏦 US Tax Cuts and Debt Risks*
- The US government’s tax cuts and corporate tax plans.
- Concerns about the strong US Dollar index and its impact on global markets.
10:00 *💸 Foreign Investment Challenges due to Currency Depreciation*
- The risk of further depreciation of the Indian Rupee as the Dollar index rises.
10:57 *🌐 India's Currency Depreciation in Emerging Markets*
- India’s currency depreciation compared to other emerging markets.
11:38 *📈 Short-Term Investment Strategy*
- Discussion on the current market cycle and strategies for short-term investments.
12:33 *📊 Market Cycles and Bullish Trends*
- Explanation of market consolidation and the concept of a healthy correction.
13:01 *🔮 Unprecedented Growth and Market Realities*
- Discussing the extraordinary growth observed in FY23-24 and the importance of managing expectations.
13:41 *💡 Long-Term Financial Planning*
- Anticipating slow and steady growth following the consolidation phase.
14:27 *📉 Valuations and Downside Risks*
- Analyzing current valuations and potential downside risks in the market.
15:21 *📅 Upcoming Investment Session Announcement*
- Announcement of a live investment session on 16th February 2025 in Pune.
16:28 *🏙️ Session Booking and Participation*
- Update on session bookings and availability for the February event.
17:30 *📉 Real Estate Market Trends and Growth Projections*
- The volatility in the real estate market and difficulty in predicting future costs.
18:10 *🔄 Financial Plan Review and Adjustments*
- Regular reviews of financial plans are crucial for adjusting to real-life changes.
19:33 *🏡 Adjusting Financial Plans with Market Changes*
- Review changes in asset values (e.g., property prices) and adjust financial goals accordingly.
19:59 *🏆 Gold as an Investment Asset*
- Gold's performance and its role in household allocations within India.
21:36 *🏅 Gold's Performance and Future Outlook*
22:33 *📉 Investment Strategy for Fixed Goals*
- The speaker discusses the challenges of setting high-return expectations for fixed-term investment goals.
23:52 *🚑 Emergency Fund Investment Advice*
- A stable emergency fund should not be invested in equities, as it is meant to be easily accessible.
25:02 *💼 Retirement Planning & Mutual Fund Investment*
- The speaker talks about managing retirement funds through mutual funds after selling real estate.
26:20 *📚 Retirement Corpus and Advisor Guidance*
- The speaker recommends reading a book on retirement corpus management and seeking advisor guidance for detailed investment strategies.
27:26 *💡 Investment Advice and Strategy*
- Focus on the importance of selecting a good advisor and diversifying investments.
28:56 *📉 Market Trends and Bank Deposits*
- Discussion on SIP flows, particularly how market downturns affect investor behavior.
30:01 *🔄 SIP Dynamics and Liquidity Management*
- Clarification that SIP money never leaves the banking system.
31:12 *🏦 The Role of Banks in Investment Funds*
- How money invested in mutual funds still circulates within banks.
32:35 *💡 Money Should Keep Moving*
- Money should not remain stagnant; it needs to keep circulating to generate growth.
33:03 *💼 Bank Strategies & Competition*
- Banks must actively engage with customers and offer better services to retain deposits.
34:02 *🌍 International Fund Diversification*
- Geographic diversification, like investing in U.S. tech funds, can offer opportunities for international allocation.
34:45 *📈 U.S. Stock Market & Sector Growth*
- U.S. stock market growth is primarily driven by the tech sector.
35:11 *🏡 Real Estate Gains & Smart Moves*
- Selling a property after a short-term capital gain can be a smart move, especially when the return is significant.
36:40 *💭 Bank Investment Concerns*
- Concerns about holding onto stocks in underperforming banks like HDFC should be addressed by understanding the stock’s valuation.
37:37 *🔄 Short-Term Capital Gains Strategy*
- Short-term capital gains can still be valuable, especially when returns like 50% are achieved within two years.
37:56 *🌐 Global Oil Prices & Economic Impact*
- Global oil prices are influenced by governments of oil-producing nations like Saudi Arabia and Russia.
38:39 *🛢️ Crude Oil Prices Impact on Indian Economy*
- Crude oil prices dropping can directly benefit India’s economy.
39:48 *🌍 Global Oil Demand and Price Dynamics*
- Global oil demand projections show no significant growth, with many agencies predicting negative growth.
40:03 *🏭 Impact of U.S. Low-Cost Labor on Indian Economy*
- India’s low-cost skilled labor can be beneficial globally, especially for U.S. industries.
40:30 *💰 Oil Price Impact on Inflation and Economy*
- Lower oil prices are directly beneficial for India's economy and inflation.
40:49 *💼 Portfolio Switch and Mutual Fund Investment*
- Switching a 25 lakh equity portfolio into mutual funds is possible with considerations for short-term capital gains tax.
41:44 *📊 Long-Term Investment Strategy in Falling Markets*
- Long-term goals should be invested through systematic investment plans (SIPs) in equities.
42:15 *💡 Hybrid Mutual Funds vs Debt Funds*
- Conservative hybrid funds with a 15% equity allocation offer higher risk compared to pure debt funds.
42:58 *🔍 Risk Profiles and Investment Strategy*
- Investors with a conservative risk profile may prefer debt funds for predictable returns.
43:27 *💡 Equity Allocation Strategy*
- Guidance on how to invest surplus and bonus in mutual funds when one fund isn't accepting large investments.
44:22 *🛡️ Financial Planning Priorities*
- The importance of creating a financial plan before building an emergency fund.
45:47 *💼 Transitioning Between Jobs and Planning*
- Advice on handling personal finances after securing a new job.
46:21 *💰 Tax Considerations in Portfolio Transitions*
- Discussion on potential tax liabilities when transferring stock portfolios to mutual funds.
47:42 *🎲 Speculative Market Movements*
- Speculation on the future of market trends, including potential government decisions and their effects on investments.
48:52 *🎙️ Government Criticism and Investor Sentiment*
- Discussion on aggressive criticism faced by the government from the middle class.
49:31 *🗳️ Live Voting and Audience Interaction*
- Interaction with the live chat about voting and predictions on political outcomes.
49:44 *💸 Gift Taxation Query*
- Clarification on the tax rules for gifting money to a spouse.
50:47 *📈 Investment Strategies for Long-Term Growth*
- Emphasis on equity allocation for long-term investment.
51:09 *💼 Comparing Investment Plans*
- Discussion on tax implications and charges related to insurance plans versus mutual funds.
52:10 *🏦 Open-Ended Funds vs. Insurance Products*
- Strong preference for open-ended funds over insurance products for long-term investments.
53:11 *🎓 Sukhanya Samriddhi vs. Mutual Funds for Education Goals*
- Comparison between Sukhanya Samriddhi Yojana and mutual funds for funding education goals.
54:06 *📊 Mutual Funds Outperforming for Long-Term Growth*
- Highlighting the long-term return potential of mutual funds over fixed-return schemes like SSY.
54:34 *📊 Diversification Strategies for Moderate Risk Profiles*
- Diversification is crucial for managing risk in portfolios.
55:11 *💰 Financial Literacy for Children*
- Teaching financial literacy to children at a young age is beneficial.
56:12 *📉 SEBI's New Category Discussion*
- The need for new investment categories is debated; some feel they are unnecessary.
57:09 *📈 Indian Companies and Economic Cycles*
- High revenue years often set new growth benchmarks for companies.
58:06 *💡 Investment Strategies for Long-Term Growth*
- Mutual fund investments are suitable for a solid financial plan.
58:46 *💬 Investor Engagement and Financial Literacy*
59:22 *🎓 Financial Planning for Young Investors*
01:01:13 *📅 Upcoming Offline Session in Pune*
01:02:05 *📅 Booking and Details for Financial Planning Sessions*
01:02:32 *📧 Contacting the Relationship Team for One-on-One Sessions*
Made with HARPA AI
Make in India Tax in India = investors & Local will get out
First 15 mins is absolute gold. Parimal's understanding and explanation/deconstruction of the macro picture of the world economy, markets going ahead and the currency was brilliant❤❤
More of the same please.
First 15 minutes are very good. ❤❤❤
I am following you since last 3 years .....Many celebrities you tubers provide fake advice ...Thanks for being honest in your content ❤
Good session and thanks to motivate us
Thank you parimal Sir and gaurav sir
Thanks a lot sir
Take offline session in chennai also
Good explanation on banks 🎉
Thanks Sir ...
Good answer on bank का FD का पैसा SIP मे गया तो क्या होगा ?
Yes
I am a big fan of your work Mr. Parimal, and regularly watch your videos. I also follow your investment advice and have gained valuable insights from your content. However, as a dedicated follower, I would like to share some constructive feedback:
1) At times, your views can come across as quite rigid. While such an approach might work well in smaller towns like Pune, it may not resonate with the dynamic and fast-paced nature of Tier 1 cities like Mumbai, Delhi, and Bangalore
2) Your approach often appears highly risk-averse - a typical traditional Marathi mindset - prioritizing risk avoidance over taking calculated risks
3) In some of your videos, your tone towards others may seem overly critical or even bullying at times
4) Lastly, please remember that you are also a finance influencer creating content on social media, it’s important to respect others who are also contributing to this space through their work
This feedback is shared with the utmost respect and appreciation for your efforts, with the hope that it helps further enhance your already impactful content
Adaxum’s roadmap is ambitious, but the concept is interesting enough to take a chance on.
Adaxum’s concept is interesting-worth checking out if you’re looking for a new project.
What about investment in Reit and invit..
Parimal sir and Gaurav sir, When might be session in Bangalore? Atleast Please plan in 2025 ending or 2026 1st half as per your convenience. Thank you
Hey everyone, Adaxum’s tokens are selling fast-don’t miss out on the presale.
Can emergency fund kept in the form of gold
😂 Hospital me gold leke thodi jaoge ilaaj karane
You can but should be in liquid gold assets like a highly liquid etf or gold mutual funds and keeping a 10-20% buffer due to its volatile nature
Yes. But better to keep atleast 30% in cash / bank FD which can be broken online
Make in India Tax in India = investors & Local will get out
Adaxum’s presale equals huge potential gains.
Invit return is about 10 pc
Hi sir. U prefer 3-4 mutual funds for all the financial goals, but how to redeem it when a goal is achieved and still some other goals are remaining? How to calculate. Please explain.
Sorry, most of the time I don't watch Satsang live. I'll definitely watch it later.
@aloknathdgowda1800 you can have multiple SIPs in the same set of funds linking it to separate goals
Suppose one of the funds is tagged to 3 goals - goal1, goal2, goal3. Time horizon is 5 years, 10 yrs, 15 years respectively. As you reach closer to your each goal by 3 years, you start STP from equity fund to a liquid or debt fund. So considering you 1st goal will get materialized in 2030, you start withdrawing from equity fund from 2027 each month into a liquid fund. Same strategy for goals to be materialized in 10 yrs and 15 yrs. The idea should be be systematically put money into your goal (liquid fund) when it is closer to you materialization. If you are aggressive investor, and have more risk appetite then instead of 3 yrs you can make it 12 or 18 months
US has started to increase investing in manufacturing since the last 3 years, PE deals in manufacturing have gone up significantly in US. They might not be able to match China but are trying to take initiatives such as PLI in India
Gaurav Sir, Gift in ITR is shown in Other Section for Information.
Income with full exemption :
Gift from Father Rs xxxxxxx
My son's Itax Advisor fills every year as a Gift given by me. If that amount is huge, then we prepare Notarized Gift Deed also.
Regards.
Opportunity cost ke liye fixed income return for last 4 month consider karna chahiye…not against 12%… ye return expectation comes with risk of market volatility…12% linear return thori hai
Regd your bet on delhi election, Gaurav sir has nothing to loose 😀
Gaurav ji baccha ro raha hai😂
If the market is catching upto economic reality by going down, its not really a time correction
Adaxum’s roadmap looks highly promising.
Adaxum’s team looks solid, and the project seems well thought out. I’m cautiously optimistic.
Solid utility backing ADX’s potential.