HDFC INDEX FUND SENSEX PLAN PARAG PARIKH FARZi CAP🤪🤪 MOTILAL OSWAL NDQ 100 FOF Mera Y-tube channel to nahi hai... Pr sir ess comments me aapka ek comment to banta hai....😂😃
@Labour Law Advisor pls could you make a video on mutual fund taxation. 1) How do we need to pay the tax when we redeem (thru IT return?). 2) Are there any tax saving strategies like tax harvesting, rebalancing (need to know what are these) OR is it good to only redeem only say after my goal of 20 yrs (eg.) and pay 10% tax in the end? 3) Also, when is the right time to exit? 2 3 yrs before when we need the funds?... To take care of any market fluctuations. 4) what is indexation? Many are clueless wrt to MF taxation, any video on this topic would be really helpful - Thanks.
Sir I didn't understand last blunder. You only said in some previous video that tax won't be applied for upto 1 lakh rs. So it is best to withdraw and re-invest when the value is around 1 lakh.
@@Harsimran5230 there is New index based on IT sector I.e Digital Index newly introduced ... Based on that new Index ETF launched that is Tata Nifty Digital index that is replica of sectoral fund. So this os the first ever fund launched as of now on Digital index equal to sectoral fund ... is also start trending and good one to invest. Ultimately amount invest in mix of big and small cap IT Co only.
Thanks. You are actually doing society a huge favor. I also have a request. Can you also share some strategies for HNI for mid term and long term goals?
I saw this video by chance and although I knew all about the funds, I was still intrigued to watch the video. You gave very good info for a just starting guy. Thanks.
Blunder 1: Low NAV high Return❌ Blunder 2 : Investing in sectoral funds Blunder 3: Too many mutual funds Blunder 4 : Expense ratio should not be the only criteria!! Blunder 5 : Frequently withdrawal
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
With ULIPs plan improving a lot as they face tough competition from Mutual funds and also the special benifits of having no LTCG in Ulips maturity amount, Please make a full detailed video showing why MFs are still better than Ulips taking in mind post tax returns
Committed the mistake of buying too many funds. I finalised the funds 2 days back and ended up investing in 10 of them. Will wait for your video on how to choose which equity MFs to invest in. That video is definitely of highest priority than any other videos that you may be planning. Thanks! Your content is definitely helpful and valuable.
Bhai nifty index fund... Parag parikh flexi cap fund.... Mirae asset emerging bluechip fund... Thats it... Baki bina mtlb over diversify krne se kuch ni hoga
@@chiragsharma293 Bhai , ye nifty index me kya kya Lena hai.. nifty 50, next 50 , 100 etc etc.. kuch funds name bi suggest karo Bhai.. main research karke dekunga
While choosing Mutual find I will see following components 1) Lower expense ratio 2) Direct fund 3) Past record 4) Asset Under Management 5) Portfolio diversification
you are missing fund manager profile .... and one more thing past record means not ultra shortterm.. longer past records like 5 to 10 yrs.. New channel but good content. You can checkout this video to avoid mutual fund investment mistakes- th-cam.com/video/qNdPa7ydnCA/w-d-xo.html
@@vishalchetry6683 if you have multiple mutual funds then check whether there are overlapping companies across all of them. The lesser the overlap, the more diversified folio and lesser is the risk.
I'm 19 years old and managing my father fund and it's only his income.....I have following funds for my dad..... 1)Motilal Oswal large n Midcap. 2)HDFC SMALL CAP 3)HDFC FLEXICAP 4)HDFC BALANCED ADVANTAGE DIV 5)Canara Robecco Hybrid Dividend. 6)Icici banking n financial fund.
Mandeep, Thanks a lot for this detailed blunder list with respect to MF investments. Honestly, I have committed all these blunders. Good content with systematic delivery in easy-to-understand terms for non-BCom/Finance blokes like me. Keep up the good work. Thanks and Regards.
Strongly disagree with keeping 1-2 funds. e.g. For retirement which is 20-30 yrs, small cap and mid cap will definitely outperform multicap and largecap. So fund type selection is dependent on goal. Goals can be many.
Also you start investing in some good fund, they stop accepting more money. So you start with another and then they stop. Now you cant sell the first 2 as they are truly good funds. But are forced to invest in 3rd.
Sectoral funds rakh sakete ho but total portfolio ka 10 percent se jyada nahi hona chahiya Hamesh 4 funds rakho large cap, multi cap, small cap, sectoral and tax saver (if needed) Sectoral mai 10 percent Small mai 35 percent Multi mai 20 percent Large mai 35 percent Bina kisi pareshani ke app achha pesa gain karoge, lumpsum pesa mat dalo hamesa sip Karo, lumpsum keval market crash ke vakt dallo jese corona ke vakt hua tha, aur 2 ya 3 percent market girne ko crash nahi bolte jesa ki is video mai stocks mai invest ke liye bola ki demate account open Karo ye galti jindgi mai bhi kabhi bhi mat karna bar aad ho jaoge, jab bethe bitaye har mahine sip ke through pese mutaul finds mai kat jate hai, aur 18 se 22 percent ka return mil jata hai, to jabardasti kyu bhaagna aur tension lega
thanks Mandeep for always guiding us, the only thing I have done is choose Sectoral Fund, but I did it intentionally and no one told me or guided me about same. I am invested in Tata Digital India fund started Sep 2020 only, I have most conviction on IT companies may bcoz I working in TCS from 8 years now :)
I was a beginner in stock market in 2007. . Lost 3 lakhs at that time but some experienced holder one day told me that not to do intra trading but invest ur money in delivery. I have invested 5 Crore at that time bought TATA Steel at 350 ,Tata Motors at 135,,TCS , Infosys, Polaris, Maruti, etc.holded 10 year and then sold .I have gained to much but I learnt one thing Stock market always gives you new lessons to learn.Well thanks for your kind information I know less about mutual fund
I select my Mutual Fund Schemes by looking at various criterias. It's not based on any one point like expense ratio, coz for me returns are more important than the price I pay for that return. Basically it's the net return we get. Love ❤ Labour Law posts. I'm happy to say that I'm not part of any of those blunders...
Good morning sir. I plan i invest 1lakh in SBI multicap fund which has current NAV of 10.9 My reasoning is this: SBI has consistently performed well across all segments of MF (Small,Mid,Large,Flexi,ELSS) And the fund managers of this scheme have managed other SBI mutual funds successfully. So i am confident that the NAV of this scheme won't be around 10 or lower after 2years. I expect it to cross 20NAV in two years based on performance of other Sbi MFs. Is my reasoning correct?
Very informative video.... although i was lucky enough not having done these blunders as i only have 2 MF, 1 with NAV of 30 and other of 450 and among that one is an index fund and both are for the purpose of long term
Awesome eye-opening informative and very very impactful explaination with simple manner but highly researched sir. Eagerly waiting for next series you mentioned in this video. Best Regards.
I have 5 mutual fund. 1 Flexi cap, 1 Sensex Index, 1 US Index, 1 Debt fund, 1 IT sectorial themetic.... I choose these fund for different goals and Purpose...
I had selected too many mutual funds. I was investing in 6 Mutual funds, 2 for each type for security. But your point of investing in minimal funds made sense. In a way, returns are better too in my calculations. Thank you for that
Bhai my dad had a similar portfolio. He had 34 MFs in his portfolio. He had just 4 index funds of different fund houses. Cut the clutter in 2019. Quant active fund Quant smallcap fund & everyone's dear PPFAS. A bit on the risky side but barely any overlap and I believe it will work well with the time horizon of 10years.
My portfolio - * all growth and direct option - HDFC BAF - Edelweiss BAF - Quant Large & mid cap - Quant small cap - Axis Small cap -Invesco india nasdaq 100 - Canara roberco emerging (old already at 2.3 times growth) The idea is long term supported by almost 50% exposure to balanced and large cap fund.
5:28 Please get corrected at this point in the video you said outstanding shares of mutual funds are like shares of the company and it depends upon the company how much number of shares they want to keep but it's not like that. The NAV is always fixed at the time of launch (eg. Rs. 10) and the outstanding shares are determined by dividing the number of shares from the Total Corpus raised. The outstanding shares always keep changing depending upon redemption and subscription. And thanks a lot you make very good videos.
LLA you are doing great job,Please continue these series of detailed videos ,we like every video of Your's, and we want more videos related to Basics of Business,I regularly watch your videos & I really Appreciate your Work.You are doing Great job👌👌👌keep it up,we Support YOU !!!
Thanks for informative content. I am asking very simple question, lets consider I want to invest 50k monthly then 25k each in two funds or 10k each in 5 funds. I believe 25k each in two funds is more riskier than 10k each in 5 funds. Everyone says Portfolio should be diversified so 10k each in 5 funds would be ideal scenario. Another concern about sector fund but I believe some sectors funds like ICICI prudential technology funds are giving consistent returns over several past years so its not bad to put sector fund in portfolio might be only 20% allocation from entire portfolio and its all depends on requirements. In long term perspective sectors fund are quite good specially IT sectors which always outperform other sectors in long term 10 to 15 years
Hey man, finance guy here IT sector has done well over the LAST 10-15 years, pick a sector for the next 10-15 years Trust your own analysis over everything else and always quadruple check your calculations Pick something simple that'll work over a long amount of time
The term Diversification applies only in case of people who are investing in stocks. Mutual funds are already diversified as they select almost 50-100 stocks. So selecting just 2 categories will be enough diversification.
@@Jaibajrangbali1709 Yes correct if investment amount is less e.g. 10k per month but I am saying diversify in terms of index, small cap, large cap, flexicap, sector and foreign securities when want to invest large amount
@@pravinyadav8261 Brother diversification has nothing to do with amount. Even if you invest billions. If you are picking MF then just select 2 or 3 good ones.
just started investing in MFs. Low NAV ke chakkar me 10% investment kiya of the amount jo muje invest krna hai abhi😅.Baaki blunders to pta bhi nai the🤷. Ye bhi dekhna hota hai kya.😁 Thanks for the advice🤟😎Baki paisa dhyaan se lagayege ab.😌
Sir I didn't understand last blunder. You only said in some previous video that tax won't be applied for upto 1 lakh rs. So it is best to withdraw and re-invest when the value is around 1 lakh.
Thanks Mandeep. I was always confused about the expense ratio point and never got right answer from anywhere, I used to minus it from the returns to compare 2 MF schemes. Finally my confusion is clear that Expense Ratio is irrelevant when we are comparing returns of 2 MFs.
I have 13 mutual funds in my portfolio 😂. I was already aware that they are a lot and I am planning to redeem them once they get under long-term gains to save tax 🙃
Same condition here bro. During learning period I have invested in many mutual funds. Now I have 13 in my folio. Waiting for redemption as per when it gets into bracket of LTCG 😂😂😂
Hi, I am following your channel for a long time, and I want to thank you for creating such informative content. I feel you may consider making a video on the topic " when to exit a small-cap mutual fund."
Hey LLA Experts , Can you make short series of 3 to 4 videos on how to save income tax, investment in MF, share market for beginners. Thanks in advance. These videos will give us an idea of how to start the journey to financial freedom and diversified investment.
Plz review- Canara Robeco Bluechip Fund-2000, Axis Midcap Fund-2000, SBI Smallcap Fund-2000, Mirae Asset Emerging Bluechip Fund-2500, Parag Parikh Flexi Cap Fund-2500, Motilal Oswal S&P 500 Index Fund-1000 Age-32 Will be invested till my age 55. Created Portfolio just 1month ago
The portfolio is good but the Canera Rob Bluechip and Mirae Asset Bluechip has an overlap of nearly 50%. There are only 100 large cap companies in NSE/BSE so you don't need two different funds.
Thank you Mandeep ji. Very good video. I have been doing SIP in HDFC Sensex index fund and Axis Smallcap fund. I also invest in these ETFs - Niftybees, Juniorbees, Netfit, Bankbees and Mafang .
I have three sip in different MF. (one is index fund, one is which invest in US and one is on Indian stocks) And I have 2 MF debt category where I invest in Lump Sump only.
@@rahul.jaswal u won't have bad experience with MF unless u got urself into a scam. Compare expense ratio and return and go for anyone. Don't subscribe to new MF or less than 1000crores AUM.
I am completely unaware about or these mutual funds like investment are new to me..... thankyou so much for the first step of financial literacy 🙏🌸...keep making these kind of super interesting and informative videos....Mata Rani bless you Mandeep and LLA team...Jai Mata Di ❤️🙏😇🌸
I love the way you are spreading awareness for eco-friendly lifestly in your intro. It's not about saving money all the time, you should do something for the environment also
Great video! I'm still kinda confused about expense ratio though. If returns and NAVs are calculated after factoring in expense ratios, then why do we even need to bother?!
1. High expenses being deducted from NAV automatically means lower return. This is important, same MF will have 2 versions: regular and direct. Regular plan will have a higher expense ratio. Meaning, returns from the direct plan will be higher than those of regular plan even though it is the same mutual fund. 2. You would want to know which mutual funds fail to beat their benchmark and yet charge a high expense ratio. It's a sign to stay away from them. Only if a mutual fund justifies expense ratio by its performance, we need not worry.
One thing I don't get about MFs is that their declared returns don't match up with their actual returns. For example I have invested in ICICI prudential technology Direct Plan Growth. I've been putting Small SIPs in this fund since October 2020 so it's been 2 years 7 months since then. My total principle invested stands at 80,500/- but my returns stand at -3.85% at 77,402. But when I click on the mutual fund portfolio it says that this fund has given 174% absolute returns in the past 3 years. How can that be when my own investment is at 3% loss?
First video watched on the channel. Very informative interesting and really great graphic design used like summary at the end.. He is honest about what is he saying like link in description will help channel grow.. Even if you don't you are helping channel by watching.. Wish you all the best sir.. Subscribed the channel 👍🏻
I am totally blown away by your content delivery and easy-to-understand breakdowns of concepts. Thanx for making us Jagruk. I have one request, can you make a detailed video about SWP in mutual funds?. I have recently inherited some corpus and would like to know the points to be kept in mind while investing Lumpsum and taking the SWP route for monthly income. Thank you again.
Park it in any short term debt fund. Start an SWP to any equity mutual fund of your choice. In this way ur net return will be better if than if you would have kept it in bank account or in cash.
I did B,C and D mistakes 😅 thank you so much Mandeep for this video. Please make a video on how the LTCG tax is paid? Do we need to file the tax or the AMC does it on behalf of me and gives me the remaining money? Also, how the period in exit load is considered when I do SIP?
Very different perspective from others and feels like true eye opener in many sense Waiting for more MF Videos Some blunders Invested in 8+ mutual funds, looking forward to consolidate to 2-3
very well explained. thank you. only thing is your view on sectorial/thematic funds. you're right on pharma example. ppl we should not have herd mentality. but imagine who started SIP in pharma 5 or may be 7 years ago.. if one has some knowledge and long term horizon, can take some calculated risk..not more than 5 or 10%.
Sir, the first blunder with NAV I have done already 🙈 Secondly with new navi index fund I took the opportunity of NFO for low expense ratio Thirdly I invested in more than 5 MF 🙈 I am also invested in sectoral funds and they are growing also 😅 I think I made all blunders here 😑😑😰
I've invested in these mutual funds recently. 1. Mirae Asset Emerging Bluechip Fund Direct Growth (Large & Mid Cap) 2. Canara Robeco Bluechip Equity Fund Direct Growth (Large Cap) 3. Parag Parikh Flexi Cap Fund Direct Growth (Flexi Cap) 4. Invesco India Contra Fund Direct Growth (Contra fund) Though I did the mistake of investing in a sectoral mutual fund which basically dedicated to the IT sector but I redeemed it after realizing the risks associated with it. I also never realized the NAV concept properly untill I watched this video. Thanks for that. 🙏
I started into equities a couple of years back with ELSS funds and it was my time of least financial literacy. I made a blunder and I am currently sitting with 5 ELSS funds in my portfolio which I cannot exit due to lock-ins hah.
I'm investing in about 25 mutual funds through monthly SIPs, really wanting to declutter it, request you to make a video about it as you mentioned in the video at 12:40
@10:39 the speaker tells he withdrew from Axis small cap fund and it was blunder. But Surprisingly, for me this fund gave me an XIRR of 35% since the time I invested (in 2015). Not sure why he is regretting!!
@@shamikghosh7303 could you tell any tool name please? I have invested in 7 funds. I like all of them lol Debt Flexi cap Nifty Tech Global equity Small cap Mirae asset Tax saver
@Arun Kewat expense ratio kyu aaya bhai isme? Expense ratio fund value pe lagta he hai. Fund value isne har mutual fund me distribute kiya hai. Ye bol sakta hai ki aapne aapke saare expense ratio ek he fund me de rahe ho.
@@shamikghosh7303 of course. Even without that, I'd know what's to be done :) There are same schemes but direct and regular that too under different folios. So can declutter, but doing that efficiently is the goal.
I have chosen IT sectoral funds but I dont think it is a blunder because: 1) I will be invested till long term mostly 10-15 years 2) As I am from tech background , I strongly believe the world including india will be driven by tech industry for atleast this decade. Please reply if you guyz think My reason are wrong
@@Normielord You can invest in any IT sectoral fund...all of them will have 90% stocks of 4 major firms infosys,TCS,Wipro and HCLTech So it doesnt matter TATA or ICICI
Great video and I like your opinions; disagreeing on one: can/should have 4-5 diversified MF covering growth, emerging markets(small) , value/utilities based (time bounded) etc
@@annuraggola3702 Currently UTI NIFTY INDEX FUND AND HDFC INDEX FUND SENSEX PLAN are the best index funds as of my knowledge and research. Both of them provide almost similar returns with nearly equivalent expense ratio.
Form morning I was thinking I’m investing only in 4 large cap mutual funds so I will start to invest in 1 small-cap, 1 mid-cap & 1 liquid but your video come in suggestion and it’s change my full view. I analyze and I understand in my portfolio I have 4 mutual funds but they are investing in same companies. Thank You ✌️❤️
DEMAT ACCOUNT: link.labourlawadvisor.in/demat
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Bhai bahoot sahi smajhate ho aaap mandip bhaiiya , please equity mf selection ke liye next video lao thanks
HDFC INDEX FUND SENSEX PLAN
PARAG PARIKH FARZi CAP🤪🤪
MOTILAL OSWAL NDQ 100 FOF
Mera Y-tube channel to nahi hai...
Pr sir ess comments me aapka ek comment to banta hai....😂😃
@Labour Law Advisor pls could you make a video on mutual fund taxation.
1) How do we need to pay the tax when we redeem (thru IT return?).
2) Are there any tax saving strategies like tax harvesting, rebalancing (need to know what are these) OR is it good to only redeem only say after my goal of 20 yrs (eg.) and pay 10% tax in the end?
3) Also, when is the right time to exit? 2 3 yrs before when we need the funds?... To take care of any market fluctuations.
4) what is indexation?
Many are clueless wrt to MF taxation, any video on this topic would be really helpful - Thanks.
Sir I didn't understand last blunder. You only said in some previous video that tax won't be applied for upto 1 lakh rs. So it is best to withdraw and re-invest when the value is around 1 lakh.
Video already made last year :)
Total 4 schemes, 1. Flexi cap, 2. Large cap (Index fund) 3. Debt fund (To park money and wait for market crash) 4. Small cap (long term view).
Index funds also in lime lite these days, Whats you views on same - esp for NFO - Tata Digital nifty index ETF fund of fund.
@@FINtalkss he talked about sectoral fund. Index funds are slowly gaining market share.
@@Harsimran5230 there is New index based on IT sector I.e Digital Index newly introduced ... Based on that new Index ETF launched that is Tata Nifty Digital index that is replica of sectoral fund. So this os the first ever fund launched as of now on Digital index equal to sectoral fund ... is also start trending and good one to invest. Ultimately amount invest in mix of big and small cap IT Co only.
What about mid cap?
Why shouldn't we just directly buy large cap stocks instead of investing in a mf it will save the expense ratio.
Thanks. You are actually doing society a huge favor. I also have a request. Can you also share some strategies for HNI for mid term and long term goals?
Gaye 179 rs💔
@@Nitishk58 😂
He is an HNI, farak ni pdta 😂
Whenever you think you know enough to start investing... Mandeep comes with new suprises... Very informative and blunders I was also into... Thanks
I saw this video by chance and although I knew all about the funds, I was still intrigued to watch the video. You gave very good info for a just starting guy. Thanks.
Blunder 1: Low NAV high Return❌
Blunder 2 : Investing in sectoral funds
Blunder 3: Too many mutual funds
Blunder 4 : Expense ratio should not be the only criteria!!
Blunder 5 : Frequently withdrawal
Mene to sectoral fund pr invest kiya hai😢
One of the very few channels where I don't skip the intro😛
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
This type of ad is an old type. Grow up.
Was blindly looking into expense ratio. I was not aware about the reality of NAV returns having expense ratio deducted already. Thanks bro!
With ULIPs plan improving a lot as they face tough competition from Mutual funds and also the special benifits of having no LTCG in Ulips maturity amount, Please make a full detailed video showing why MFs are still better than Ulips taking in mind post tax returns
Each point is significantly valuable. People who actually knows about mutual funds only they can feel it. 😊
Committed the mistake of buying too many funds. I finalised the funds 2 days back and ended up investing in 10 of them. Will wait for your video on how to choose which equity MFs to invest in. That video is definitely of highest priority than any other videos that you may be planning. Thanks! Your content is definitely helpful and valuable.
Oh bhai.. sfo Gaye they aap
Bhai nifty index fund... Parag parikh flexi cap fund.... Mirae asset emerging bluechip fund... Thats it... Baki bina mtlb over diversify krne se kuch ni hoga
@@chiragsharma293 Bhai , ye nifty index me kya kya Lena hai.. nifty 50, next 50 , 100 etc etc.. kuch funds name bi suggest karo Bhai.. main research karke dekunga
@@1Bond007 nifty 50
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+44(7868) 6=9=2=4=6=3........
While choosing Mutual find I will see following components
1) Lower expense ratio
2) Direct fund
3) Past record
4) Asset Under Management
5) Portfolio diversification
you are missing fund manager profile .... and one more thing past record means not ultra shortterm.. longer past records like 5 to 10 yrs..
New channel but good content. You can checkout this video to avoid mutual fund investment mistakes-
th-cam.com/video/qNdPa7ydnCA/w-d-xo.html
Why direct over regular?
@@namrathamohank6450 you have to pay extra charge with low returns
Please explain 5th point
@@vishalchetry6683 if you have multiple mutual funds then check whether there are overlapping companies across all of them. The lesser the overlap, the more diversified folio and lesser is the risk.
Surprisingly, didn't make any of the blunders mentioned but was on the move to buy sectoral funds or get many mutual funds.. good video.. Thank you!!!
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+44(7868) 6=9=2=4=6=3........
I'm 19 years old and managing my father fund and it's only his income.....I have following funds for my dad.....
1)Motilal Oswal large n Midcap.
2)HDFC SMALL CAP
3)HDFC FLEXICAP
4)HDFC BALANCED ADVANTAGE DIV
5)Canara Robecco Hybrid Dividend.
6)Icici banking n financial fund.
Mandeep, Thanks a lot for this detailed blunder list with respect to MF investments. Honestly, I have committed all these blunders. Good content with systematic delivery in easy-to-understand terms for non-BCom/Finance blokes like me. Keep up the good work. Thanks and Regards.
I have only one...sbi small cap since 2018. Planning to hold 30 years only till retirement.
Small cap? Watch out
Small cap?
Don't
I stopped by to see what different does this video has to offer. Must admit, this is totally what others don't cover.
So true
Strongly disagree with keeping 1-2 funds. e.g. For retirement which is 20-30 yrs, small cap and mid cap will definitely outperform multicap and largecap. So fund type selection is dependent on goal. Goals can be many.
Maximum 4-5 funds are ideal.. i guess...
5 funds
Correct
Small cap
Mid cap
Large cap
Tech
Nifty 50 index thats all you need ! 15-20% cagr
Also you start investing in some good fund, they stop accepting more money. So you start with another and then they stop. Now you cant sell the first 2 as they are truly good funds. But are forced to invest in 3rd.
Maandeep Ji you are doing a very good work for us! Thank You Sir! Also, you have good knowledge, I have watched many of your videos!
Sectoral funds rakh sakete ho but total portfolio ka 10 percent se jyada nahi hona chahiya
Hamesh 4 funds rakho large cap, multi cap, small cap, sectoral and tax saver (if needed)
Sectoral mai 10 percent
Small mai 35 percent
Multi mai 20 percent
Large mai 35 percent
Bina kisi pareshani ke app achha pesa gain karoge, lumpsum pesa mat dalo hamesa sip Karo, lumpsum keval market crash ke vakt dallo jese corona ke vakt hua tha, aur 2 ya 3 percent market girne ko crash nahi bolte jesa ki is video mai stocks mai invest ke liye bola ki demate account open Karo ye galti jindgi mai bhi kabhi bhi mat karna bar aad ho jaoge, jab bethe bitaye har mahine sip ke through pese mutaul finds mai kat jate hai, aur 18 se 22 percent ka return mil jata hai, to jabardasti kyu bhaagna aur tension lega
Have been part of the discord community. A huge community indeed.
Absolutely!
thanks Mandeep for always guiding us, the only thing I have done is choose Sectoral Fund, but I did it intentionally and no one told me or guided me about same. I am invested in Tata Digital India fund started Sep 2020 only, I have most conviction on IT companies may bcoz I working in TCS from 8 years now :)
i agree, did the same
Awesome video again Mandeep. Thank you.
My mistake:
1. Selling often.
2. Striving for a low expense ratio.
New channel but good content. You can checkout this video to avoid mutual fund investment mistakes-
th-cam.com/video/qNdPa7ydnCA/w-d-xo.html
hmm NAVI still at 0.06%
what if ya withdraw before 100k:?
I was a beginner in stock market in 2007. . Lost 3 lakhs at that time but some experienced holder one day told me that not to do intra trading but invest ur money in delivery. I have invested 5 Crore at that time bought TATA Steel at 350 ,Tata Motors at 135,,TCS , Infosys, Polaris, Maruti, etc.holded 10 year and then sold .I have gained to much but I learnt one thing Stock market always gives you new lessons to learn.Well thanks for your kind information I know less about mutual fund
😯
I select my Mutual Fund Schemes by looking at various criterias. It's not based on any one point like expense ratio, coz for me returns are more important than the price I pay for that return. Basically it's the net return we get. Love ❤ Labour Law posts. I'm happy to say that I'm not part of any of those blunders...
Good morning sir.
I plan i invest 1lakh in SBI multicap fund which has current NAV of 10.9
My reasoning is this:
SBI has consistently performed well across all segments of MF (Small,Mid,Large,Flexi,ELSS)
And the fund managers of this scheme have managed other SBI mutual funds successfully.
So i am confident that the NAV of this scheme won't be around 10 or lower after 2years.
I expect it to cross 20NAV in two years based on performance of other Sbi MFs.
Is my reasoning correct?
@@shabaazs791u invested? How much returns u got?
Approximately 18.3% returns uptill now. as NAV is at 12.92
@@A_k_k__
Thank You so much for guidance 💕
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+44(7868) 6=9=2=4=6=3........
Very informative video.... although i was lucky enough not having done these blunders as i only have 2 MF, 1 with NAV of 30 and other of 450 and among that one is an index fund and both are for the purpose of long term
New channel but good content. You can checkout this video to avoid mutual fund investment mistakes-
th-cam.com/video/qNdPa7ydnCA/w-d-xo.html
Awesome eye-opening informative and very very impactful explaination with simple manner but highly researched sir.
Eagerly waiting for next series you mentioned in this video.
Best Regards.
17:10 Selling every Year and buying MF again is a good thing, can save tax upto 1 lakhs LTCG each year.
I have 5 mutual fund. 1 Flexi cap, 1 Sensex Index, 1 US Index, 1 Debt fund, 1 IT sectorial themetic.... I choose these fund for different goals and Purpose...
Great
Keep Making this kind of videos!!! Thank You👏👏👏
I had selected too many mutual funds. I was investing in 6 Mutual funds, 2 for each type for security. But your point of investing in minimal funds made sense. In a way, returns are better too in my calculations. Thank you for that
How? What if these funds did not perform. Its always good to diversify in top 5 funds from same segment rather to invest in one.
I want a sip of 5000 permonth which mf is best
Bhai my dad had a similar portfolio. He had 34 MFs in his portfolio. He had just 4 index funds of different fund houses. Cut the clutter in 2019.
Quant active fund
Quant smallcap fund
& everyone's dear PPFAS.
A bit on the risky side but barely any overlap and I believe it will work well with the time horizon of 10years.
Smart
Quant smallcap would've given you mind blowing returns last 3/5 years.
My portfolio -
* all growth and direct option
- HDFC BAF
- Edelweiss BAF
- Quant Large & mid cap
- Quant small cap
- Axis Small cap
-Invesco india nasdaq 100
- Canara roberco emerging (old already at 2.3 times growth)
The idea is long term supported by almost 50% exposure to balanced and large cap fund.
5:28 Please get corrected at this point in the video you said outstanding shares of mutual funds are like shares of the company and it depends upon the company how much number of shares they want to keep but it's not like that. The NAV is always fixed at the time of launch (eg. Rs. 10) and the outstanding shares are determined by dividing the number of shares from the Total Corpus raised. The outstanding shares always keep changing depending upon redemption and subscription.
And thanks a lot you make very good videos.
Apki Jitni Tarif kare utani kam he.....Hats off sir ji....Keep continue 🔥👍👍
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+44(7868) 6=9=2=4=6=3........
LLA you are doing great job,Please continue these series of detailed videos ,we like every video of Your's, and we want more videos related to Basics of Business,I regularly watch your videos & I really Appreciate your Work.You are doing Great job👌👌👌keep it up,we Support YOU !!!
Thanks for informative content. I am asking very simple question, lets consider I want to invest 50k monthly then 25k each in two funds or 10k each in 5 funds. I believe 25k each in two funds is more riskier than 10k each in 5 funds. Everyone says Portfolio should be diversified so 10k each in 5 funds would be ideal scenario. Another concern about sector fund but I believe some sectors funds like ICICI prudential technology funds are giving consistent returns over several past years so its not bad to put sector fund in portfolio might be only 20% allocation from entire portfolio and its all depends on requirements. In long term perspective sectors fund are quite good specially IT sectors which always outperform other sectors in long term 10 to 15 years
Hey man, finance guy here
IT sector has done well over the LAST 10-15 years, pick a sector for the next 10-15 years
Trust your own analysis over everything else and always quadruple check your calculations
Pick something simple that'll work over a long amount of time
@@shivbhardwaj4771
True. Always believe our own analysis. IT sector is definitely winner for long run.
The term Diversification applies only in case of people who are investing in stocks. Mutual funds are already diversified as they select almost 50-100 stocks. So selecting just 2 categories will be enough diversification.
@@Jaibajrangbali1709 Yes correct if investment amount is less e.g. 10k per month but I am saying diversify in terms of index, small cap, large cap, flexicap, sector and foreign securities when want to invest large amount
@@pravinyadav8261 Brother diversification has nothing to do with amount. Even if you invest billions. If you are picking MF then just select 2 or 3 good ones.
Never seen such informative and thorough explanation. LLA k saare founders agar professors bante toh India bohot badhta. 😄
1 index fund 1- large&mid cap fund,1-mid cap fund,2-small cap fund ,1- flexi cap fund=5 funds
just started investing in MFs. Low NAV ke chakkar me 10% investment kiya of the amount jo muje invest krna hai abhi😅.Baaki blunders to pta bhi nai the🤷. Ye bhi dekhna hota hai kya.😁 Thanks for the advice🤟😎Baki paisa dhyaan se lagayege ab.😌
I M from commerce background still his knowledge amazes me
Love the way u explain everything appreciate your efforts ❤️🙇♂️
Bohot e informative video.. Subscribed kar diya.. Ek heart mil jaye to bohot achha lagta.. 🥰🥰
I felt like pressing 'Like' button min 5-6 times while watching this VDO.
I was committing mistake of focussing on TER. U clarified it well. Thanks👍🏻
Sir I didn't understand last blunder. You only said in some previous video that tax won't be applied for upto 1 lakh rs. So it is best to withdraw and re-invest when the value is around 1 lakh.
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+44(7868) 6=9=2=4=6=3........
fake account 😂😂😂😂
Yeah I saw tax harvesting video of Ankur warikoo with excel sheet you save little tax by tax harvesting
Awesome video again, to the point, and very informative. Great job LLA.
Thanks Mandeep. I was always confused about the expense ratio point and never got right answer from anywhere, I used to minus it from the returns to compare 2 MF schemes. Finally my confusion is clear that Expense Ratio is irrelevant when we are comparing returns of 2 MFs.
Thanks Mandeep. You are transforming every one into money minded.
Wonderful Concepts.. This is a much needed content on MF's and amazing to see.
I have 13 mutual funds in my portfolio 😂. I was already aware that they are a lot and I am planning to redeem them once they get under long-term gains to save tax 🙃
Same condition here bro. During learning period I have invested in many mutual funds. Now I have 13 in my folio.
Waiting for redemption as per when it gets into bracket of LTCG 😂😂😂
@@alam.meheboob cheers man 😀
Sure guys. Just ensure timely exit when the market is high enough
@@alam.meheboob hi... I am new to all of this. Can you please tell why you are waiting for it to come in LTCG?
@@amank1939 To save tax dear. For LTCG, there is no tax upto ₹1L gain.
Hi, I am following your channel for a long time, and I want to thank you for creating such informative content. I feel you may consider making a video on the topic " when to exit a small-cap mutual fund."
We need more video's on this topic please 🙏🙏🙏🙏🙏
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+44(7868) 6=9=2=4=6=3........
To know more about mutual funds, check out our video on how to select a good mutual fund. th-cam.com/video/zJ3SvOEfMLw/w-d-xo.html
09:04 PMClaim Rejected REASON OF LEAVING SHOULD BE CESSATION (SHORT SERVICE) - ANY OTHER REASON IN PLACE OF SUPERNNUATION.
heartily thanks bhai ...aadhi tension khatam kar d aapne ..
I'm 23 years old aur main Mutual fund mein isliye invest krr rahi hu taaki bank interest se thoda zyada mil sake .... But can't really choose any fund
Invested in any mf currently? XIRR?
Hey LLA Experts ,
Can you make short series of 3 to 4 videos on how to save income tax, investment in MF, share market for beginners. Thanks in advance. These videos will give us an idea of how to start the journey to financial freedom and diversified investment.
Plz review-
Canara Robeco Bluechip Fund-2000,
Axis Midcap Fund-2000,
SBI Smallcap Fund-2000,
Mirae Asset Emerging Bluechip Fund-2500,
Parag Parikh Flexi Cap Fund-2500,
Motilal Oswal S&P 500 Index Fund-1000
Age-32
Will be invested till my age 55.
Created Portfolio just 1month ago
👌
Very good portfolio
too much fund.. instead increase the money keeping only 3-4 fund in total
The portfolio is good but the Canera Rob Bluechip and Mirae Asset Bluechip has an overlap of nearly 50%. There are only 100 large cap companies in NSE/BSE so you don't need two different funds.
Canara robeco and mirae asset are two identical stocks . Portfolio overlapping is there. Invest in only one.
Good video , we are in Sept end now and still market is only going up up and up.. unheared of 18yrs of bull run!!
Thank you Mandeep ji. Very good video.
I have been doing SIP in HDFC Sensex index fund and Axis Smallcap fund.
I also invest in these ETFs - Niftybees, Juniorbees, Netfit, Bankbees and Mafang .
Great content bro, never thought of these points.
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+44(7868) 6=9=2=4=6=3........
I have three sip in different MF. (one is index fund, one is which invest in US and one is on Indian stocks)
And I have 2 MF debt category where I invest in Lump Sump only.
I am also looking for debt funds, can you suggest good ones and how has your experiace been with them.?
@@rahul.jaswal u won't have bad experience with MF unless u got urself into a scam. Compare expense ratio and return and go for anyone. Don't subscribe to new MF or less than 1000crores AUM.
Please name the funds i want to start investing
@@parshantchauhan904 all my funds belong to different risk category. Research by urself
Naam bta do bhai risk to h hi sb jagah
I am completely unaware about or these mutual funds like investment are new to me..... thankyou so much for the first step of financial literacy 🙏🌸...keep making these kind of super interesting and informative videos....Mata Rani bless you Mandeep and LLA team...Jai Mata Di ❤️🙏😇🌸
I love the way you are spreading awareness for eco-friendly lifestly in your intro. It's not about saving money all the time, you should do something for the environment also
New channel but good content. You can checkout this video to avoid mutual fund investment mistakes-
th-cam.com/video/qNdPa7ydnCA/w-d-xo.html
Haven't done any mistake, looking forward to invest in moderate funds which gives maximum returns
Great video! I'm still kinda confused about expense ratio though. If returns and NAVs are calculated after factoring in expense ratios, then why do we even need to bother?!
1. High expenses being deducted from NAV automatically means lower return. This is important, same MF will have 2 versions: regular and direct. Regular plan will have a higher expense ratio.
Meaning, returns from the direct plan will be higher than those of regular plan even though it is the same mutual fund.
2. You would want to know which mutual funds fail to beat their benchmark and yet charge a high expense ratio. It's a sign to stay away from them.
Only if a mutual fund justifies expense ratio by its performance, we need not worry.
@@LabourLawAdvisor Coool, thank you!!
@@saulgoodman980 You still got Pinkman's money?
One thing I don't get about MFs is that their declared returns don't match up with their actual returns. For example I have invested in ICICI prudential technology Direct Plan Growth. I've been putting Small SIPs in this fund since October 2020 so it's been 2 years 7 months since then. My total principle invested stands at 80,500/- but my returns stand at -3.85% at 77,402. But when I click on the mutual fund portfolio it says that this fund has given 174% absolute returns in the past 3 years. How can that be when my own investment is at 3% loss?
damn, that's really a ripoff , a mf should never be in negative
Bluechip + flexi cap + international mutual fund (3 in total)
Which is good international fund?
I guess there are many types of international fund so I am bit confused.
👍
So much knowledge . Wow .. i love this ! Thanks a lot♥️
Trust me guys he brings the most comprehensive and detailed video on any topic
First video watched on the channel. Very informative interesting and really great graphic design used like summary at the end..
He is honest about what is he saying like link in description will help channel grow.. Even if you don't you are helping channel by watching.. Wish you all the best sir..
Subscribed the channel 👍🏻
Appreciate your feed back and thanks for watching for more guidance
W~H~A~T~S~A~P~P 🔥
+ 44 (7868) 6 = 9= 2= 4 = 6= 3....
Bhai kya bolte ho yar aap ♥️truly enjoyed watching even the complex subject .. God bless u brother
I am totally blown away by your content delivery and easy-to-understand breakdowns of concepts. Thanx for making us Jagruk. I have one request, can you make a detailed video about SWP in mutual funds?. I have recently inherited some corpus and would like to know the points to be kept in mind while investing Lumpsum and taking the SWP route for monthly income. Thank you again.
Park it in any short term debt fund.
Start an SWP to any equity mutual fund of your choice. In this way ur net return will be better if than if you would have kept it in bank account or in cash.
I have 5 mutthal funds:
Icici prudential technology
Icici commodities fund
Canara rebecco tax saver
Canara rebecco small cap
Mirae asset large cap
I did B,C and D mistakes 😅 thank you so much Mandeep for this video. Please make a video on how the LTCG tax is paid? Do we need to file the tax or the AMC does it on behalf of me and gives me the remaining money? Also, how the period in exit load is considered when I do SIP?
To know how LTCG tax is paid, check out our video on it. th-cam.com/video/GHztb5ZFaS0/w-d-xo.html
.
9 MFS = 3 ELSS + 2 Sector + 2 Large + 1 Flexi + 1 Small
Overall am happy with my portfolio 💯
Why 3 ELSS ?
How much per month can I invest in Mutual funds?
Thank you for your valuable suggestions on MF , recently I have started One SIP MF
Liked your Intro...instant subbed 😄
I am watching your videos and getting so much of knowledge. Thanks a lot
Very different perspective from others and feels like true eye opener in many sense
Waiting for more MF Videos
Some blunders
Invested in 8+ mutual funds, looking forward to consolidate to 2-3
That's very less
very well explained. thank you. only thing is your view on sectorial/thematic funds. you're right on pharma example. ppl we should not have herd mentality. but imagine who started SIP in pharma 5 or may be 7 years ago.. if one has some knowledge and long term horizon, can take some calculated risk..not more than 5 or 10%.
New channel but good content. You can checkout this video to avoid mutual fund investment mistakes-
th-cam.com/video/qNdPa7ydnCA/w-d-xo.html
Sir, the first blunder with NAV I have done already 🙈
Secondly with new navi index fund I took the opportunity of NFO for low expense ratio
Thirdly I invested in more than 5 MF 🙈
I am also invested in sectoral funds and they are growing also 😅
I think I made all blunders here 😑😑😰
Nice
Sir Maine jo blunder kiya hai woh hai 1st , 3rd & 4th blunder.. but ab control karunga apki iss video ki wajah se thank you so much sir
I've invested in these mutual funds recently.
1. Mirae Asset Emerging Bluechip Fund Direct Growth (Large & Mid Cap)
2. Canara Robeco Bluechip Equity Fund Direct Growth (Large Cap)
3. Parag Parikh Flexi Cap Fund Direct Growth (Flexi Cap)
4. Invesco India Contra Fund Direct Growth (Contra fund)
Though I did the mistake of investing in a sectoral mutual fund which basically dedicated to the IT sector but I redeemed it after realizing the risks associated with it.
I also never realized the NAV concept properly untill I watched this video. Thanks for that. 🙏
Please make a video on "WHEN TO EXIT A MUTUAL FUND" ??
Actually
@@shubhamsogani3618 ???
Exit mutual fund three years before reaching your goal
Yess really want to know?
exit when your target is acheived simple just follow simple strategies don't make it too complicated
Sir how to file tax for LTCG stocks and mutual fund
Please make a video on this
Yes
It would be a great help to have a detailed video on this topic.
Also STCG please cover both
ITR 2 filing video will be more need for most of us and you may provide a video atleast one hour from Zero level with new IT portal.
I started into equities a couple of years back with ELSS funds and it was my time of least financial literacy. I made a blunder and I am currently sitting with 5 ELSS funds in my portfolio which I cannot exit due to lock-ins hah.
Good for you, you'll get compounding in those funds during bull run.
same. Have 3 ELSS Funds now
I'm investing in about 25 mutual funds through monthly SIPs, really wanting to declutter it, request you to make a video about it as you mentioned in the video at 12:40
@10:39 the speaker tells he withdrew from Axis small cap fund and it was blunder. But Surprisingly, for me this fund gave me an XIRR of 35% since the time I invested (in 2015). Not sure why he is regretting!!
31 😭 Of course, will get rid of it soon in an efficient way. Will wait for your declutter video 👍
31 mutual funds? Hats off brother!!!
Would suggest you stop watching youtube
Bro there are online tools to check portfolio overlaps. Do you imagine the overlap in 31 MFs?
@@shamikghosh7303 could you tell any tool name please? I have invested in 7 funds. I like all of them lol
Debt
Flexi cap
Nifty
Tech
Global equity
Small cap
Mirae asset Tax saver
@Arun Kewat expense ratio kyu aaya bhai isme? Expense ratio fund value pe lagta he hai. Fund value isne har mutual fund me distribute kiya hai. Ye bol sakta hai ki aapne aapke saare expense ratio ek he fund me de rahe ho.
@@shamikghosh7303 of course. Even without that, I'd know what's to be done :) There are same schemes but direct and regular that too under different folios. So can declutter, but doing that efficiently is the goal.
Knowledgeable video sir ...thank you
Fortunately I kept on my mind these things 😊🙏
I have chosen IT sectoral funds but I dont think it is a blunder because:
1) I will be invested till long term mostly 10-15 years
2) As I am from tech background , I strongly believe the world including india will be driven by tech industry for atleast this decade.
Please reply if you guyz think My reason are wrong
I also have an IT sector fund and the reason for investment is same that of yours..
Is Tata digital india fund good? Started from 2018 I didn't even knew it's sectoral fund till 2021 😂
Fact I too have sectoral fund but only IT sector I dnt have confidence in other sectors
@@Normielord You can invest in any IT sectoral fund...all of them will have 90% stocks of 4 major firms infosys,TCS,Wipro and HCLTech
So it doesnt matter TATA or ICICI
@@pinned.kenangrace8698 👍
amazing production, best in class!!
Great video and I like your opinions; disagreeing on one: can/should have 4-5 diversified MF covering growth, emerging markets(small) , value/utilities based (time bounded) etc
Waiting eagerly for upcoming series on equity MFs 😁
I have invested in these-
1. Parag parikh flexi cap
2. Axis small cap
3. Icici sensex
4. Uti nifty
All are good except icici sensex...
@@abheypathania but it is giving me better returns than uti nifty🙄. Is there any problem with this fund
@@annuraggola3702 You need not to have two index funds in your portfolio..
@@annuraggola3702 Currently UTI NIFTY INDEX FUND AND HDFC INDEX FUND SENSEX PLAN are the best index funds as of my knowledge and research. Both of them provide almost similar returns with nearly equivalent expense ratio.
@@annuraggola3702 AUM is too low for this fund...
I have 3 MF
1. PARAG PARIKH FLEXI CAP
2. AXIS BLUE-CHIP
3. SBI BANKING & FINANCIAL
Exit from BFSI. Switch to Index fund. BFSI sector returns correction is emminent once the RBI moratorium effects are over & defaults kick-in-
Index fund is better than Sbi banking and financial...
@@LalitPatilcasper what should I choose ?
@@abheypathania what about contra fund ?
@@ikushbackpcker5903 You can look for Invesco India Contra fund...
Form morning I was thinking I’m investing only in 4 large cap mutual funds so I will start to invest in 1 small-cap, 1 mid-cap & 1 liquid but your video come in suggestion and it’s change my full view. I analyze and I understand in my portfolio I have 4 mutual funds but they are investing in same companies.
Thank You ✌️❤️
Yeah sir.
it's useless to invest in 4 funds with the same companies.
Points are quite useful and educative on selection of funds, return and stay in long term based on expense ration and % of growth.