He Lost CRORES in Mutual Funds | Fix Your Finance Special Mutual Fund Episode
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- เผยแพร่เมื่อ 6 ก.ย. 2024
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Hey guys! In today's video I'll be reviewing the Mutual Fund portfolios of 5 individuals from different walks of life. We'll be looking at their portfolio's performance, diversification, risk exposure and their investing discipline.
Enjoy :)
#fixyourfinance #mutualfunds #moneymanagement
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MY TOP 5 FAV BOOKS 📚
Ride of a Lifetime: bit.ly/rideofa...
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Masters of Scale: bit.ly/mastero...
Just Keep Buying: bit.ly/justkee...
Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
Music licensed by Epidemic Music
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Why are you salesmen for gold and debt funds? They are most pathetic mutual funds to invest. Just because they exist doesn't mean you need to be a fool to invest in those. They underperform equity fund by a huge margin.
I do earn 45k per month, I am using 5k for my maintenance and I am giving 40k to my father and out of it 15k goes for house expenses and rest 25k he is giving it for borrowing for 1.5% per month( 18% PA) , is it ok to continue like this or could please suggest any better plan?
@@NS_Rider_9646 paisa wapis milega to sai jaha fasa usr u can't do anything
Quit youtube.
Second guest knows what he is doing, thats why he turned 1.8 into 5.5 cr. Stop advising him
Stupidfk
Referal link😂😂
The thumbnail doesn’t do justice man. This guy is very successful. You cannot put a pic like he is crying. His mutual funds has done pretty decent
I usually enjoy your content but this is bad man, like how can you pass on super generic suggestion made by the app as great financial advice? I hope you don't burn your credibility chasing sponsors.
Sab paise ka chakkar hai babu bhaiya
True, i somehow dont trust people with devious smile…
Consult your financial advisor
He is a kid bro, bachha hai wo abhi 25 bhi nahi hai…aur unko advice deta hai jo saalo se lakho caroro kaa rhe hai
Agree
As much as I love watching videos on this channel, guys please don’t get away with the Fomo of returns or losses that these apps sell. They will just continue to showcase your fund underperformance so that you continue investing with them. If you are happy with reasonable returns that beat inflation, stick to Nifty 50. If you want better returns than that, there is no other option than to learn about the market. All these numbers have been collated backtracking data and doesn’t take into account your PERSONAL financial situation.
Cannot agree more .... You talk more sense in 2 lines than this whole video 😅
india needs to read this
everyone should read this
❌❌❌
Exactly.
Mera return 30% hai
Aur ye हुतिये suggest कर रे की
Exit from all
It's just their strategy to scare you
Don't fall for this bull shit app
Very true.. i checked the app and they wisely choose benchmark so that performance of our fund is seen bad.. the total returns my friends portfolio was 56% over 3 years.. the app still said portfolio has underperformed..
A very disappointing video. Not only were you just promoting the use of a generic app in the name of "financial advice", you also put a deceptive click bait thumbnail which puts your guest in bad light! Please don't continue this and lose credibility just for short term gains. That's my financial advice to you😅
Totally agree
This is the perfect salesman pitch video i have ever seen on TH-cam. making brands pay for ads and making brands pay again for sponsorships. Nice
Many youtubers do that right ? Or am i missing something here ?
That uncle is proved investor and anchor is advising him 😂 😂
he was laughing inside :D
He showed us how stupid the app is ! 😅
Absolutely, he must be laughing inside when anchor advices him to put 5 cr in 5 to 6 MFs…
Haha this is not even 25 but teaching veterans 😂
I tried the app but after entering my details, the only option is to schedule a call with the team. They don't show the analysis result. I don't want to continue but now they got all my data. There is no option to request my data removal in the whole website.
You should have mentioned this in the video before promoting the app.
Your analysis about the first persons portfolio is completely wrong. He’s been investing in index funds and ELSS mostly which have obviously gone down in the past three years, does not mean the funds are necessarily bad just based on the percentage.
Looks like Indian fin-influencers will never let middle class people grow rich ....
It’s easy to say 15 out of 21 funds have missed the benchmark.He has been investing for 15 years and cannot churn his large portfolio so often.Also, index investing became popular in last 5 years only.Anyone with 15+ years of investing , having large portfolio is bound to have large number of mfs.He won’t take risk of putting 1 cr in one active mf which can underperform in 3 years or so.Easy to tell put 5 cr in 5 mfs, but not practical.
How much maximum one can put in one MF?
I see that you also handle Tanmay's portfolio, would appreciate that extended portfolio analysis using this app with you, Tanmay and all your friends. We as audience will learn a lot how intelligent investors invest and how they beat others in performance of their mutual funds.
We want to see this app's analysis on investors like Tanmay, you and your friends who are teaching others about such apps.
exactly
I completely agree with you, @Anshuman can you create one series like that. I doubt Tanmay and others would be open for opening up their portfolio to public.
@Anshuman hey man, if you really like this app why are you not making this video or acknowledging that you will make it? I am sure you love this app and absolutely thrilled to show all audience your portfolio and your friend's portfolio with this app. Waiting to hear that video announcement soon.
@@RajeshBhadra Forget opening in public. These guys wont even put their personal information in apps like these or indmoney, vauld etc. They are making money by using other's information on these apps, promoting them and then influencing others to use this. They dont have guts to use this app with their information and do similar analysis on their portfolio. Double standards.
And if this guy is really great financial expert, then he should make a video with this same app and his and his friend's portfolio analysis. Then only one will believe that this is good app.
@@nishujain9876u r right. I also wanted to write same thing . He has to do this for fair analysis
Wrong conclusion...hurry to sell the app rather explaing why the loss what went wrong...does this app give 100% out performing portfolio....
Ofcourse not😂 Just like any other app developer, they too want to make up for the cost expenses by selling as much as they can😂
Not a great video, most people didn't have full portfolio on the app i.e. real estate or fixed deposits. This casual way of saying rebalance and change mutual funds does not make any decent advice....
Correct, ye banda bs gold lelo and debt lelo. Matlab limited paise ko 50 jagah daldo, ye over diversification na hua ?
@@gurpreetkakkar yep, not try to understand goals and looking at today's numbers without context..
Rebalancing advice was given to people because most of them hadn't revisited their portfolios since they started their SIPs and most were investing via the regular funds route so its not wise to just leave it as it is because the distributor might not necessarily pick the funds which are best for the investors but the ones with the highest expense ratio.
@@anshumanfinance instead of these apps, why dont you give advice to people to get direct mutual funds through groww or zerodha of any bank, all categories like large , flexi, tax, mid and small cap funds from SBI, mirae, Parag parikh, Axis, icici, Canara robeco, Nippon, Kotak are great and has beaten benchmark.
What wrong analysis is this . When is analysing the 5 cr portfolio he is saying based on app that the fund has underperformed. What he is not telling is that the underperformance is 58 lacs but it is being calculated on 4 cr investment , which is the false assumption to begin with , the real investment is 1.8 cr.
Next the app is saying underperformance by comparing the max return in that category of mutual fund assuming that this app and this guy will be able to cheery pick the best mutual fund every year without taking into account the expense of early exit etc . The automated apps which is the sponsor of this video never tells the complete analysis but the apps are just good in giving false concise analysis . The fact is this being sponsored without the due diligence is just sad .
Summary - don’t blindly follow any app . The fact that total app creators collectively managed 50000 cr aum means nothing . What matters i their exact performance tear after year managing those funds and what is the exact criteria’s of picking the next best performing mutual fund . This is complete misrepresentation of data
You are already making good content, stop using clickbait titles otherwise it will cost you genuine viewers.
So you're telling me that a generic app will give better financial advice to these people than the financial advisors who have been working with them individually for years now?
Uncle ka SIP 3 Lac ka tha 5 Sal , Uncle aisa kya kar rahe the 2007-12 tak voh pucho hame to usme interest hai
ye to ye TH-cam ke so-called "FURUS" use Compounding in everything!! Abe thoda sa research kar liya hota Furu banne se pehle to pata hota ki Mutual FUnds mein compounding nahi hoti hai, growth hoti hai. Both are very very different! Compounding happens when there is interest earned on interest. MF mein konsa interest hai? EK term pakad ke jaise AMCs chuna lagate hain waise ye Furus karte hain!
I spoke to this wealth monitor app folks, they want to pitch their product and financial services to you. Expected more from you Anshuman! Losing trust in your videos and partnerships..
I am an NISM certified analyst and first person is doing great, nifty 50 nifty next 50 and elss with 3 year switching one to fourth is best way. No need of gold and debt or anything just keep adequate emergency fund and you will kill it in long term, marcellus deserv no one beats nifty for a lomg horizon.
Debt funds are for emergency only right. You can't keep a 10 lakh emergency fund just in the bank account for years and wait for something to happen, better put in debt funds to gain a 6% capital appreciation on the corpus and redeem whenever required.
Hope you will not delete my comment and answer it correctly with your thoughts
To be honest, very difficult to beat benchmark, the issue is with mfs is they move in cycles, eg: Axis Elss was the top performing fund in 2020 and it started to drag in 2021.
Axis is already going with several isuues from managerial levels but with other AMCs things are quite normal so some are able to beat benchmarks and some not
@@Real_mutual_fund_guide yes sir true but if we see logically, it is a growth oriented fund with no respect to valuations, currently value based mfs doing well (eg: PPFAS tax saver fund), but yeah others are doing well.
During low interest rates regime, growth investing makes a comeback
Hence its best to find index funds and invest in them. No point trying to the benchmark when you can just ride with the benchmark
@@privacyowl Yes sir, I invested in Axis elss and now paying the price
@@Real_mutual_fund_guide and we always stuck in non performes thats why index funds
I was wondering why the ad was playing more than 30 secs
Came here cause I follow your great content and always learn something from it. Unfortunately, I didn't learn anything from this video.
Hope you get back to fixing finances and reviewing portfolio managers' personal portfolios.
Red shirt man has no idea what is happening. Maybe he is to tired😂
What a bad app and it's misleading suggestions.
As per the advertisements and financial advisors we have to get average 12% gain only , How did he lossed it
Diversity is required in index fund too
If someone is invested in 21 funds it doesn't mean his portfolio will underperform... no calculation can prove this...
Uncle is stacked! 🤑🤑
Sorry but dont blindly follow such advice from these new apps. I was one of the early users of a very popular finance app and was already invested in Mirae Emerging Blue Chip fund by then. I also subscribed into Canara Robeco Small Cap Fund a year after it's launch. The advice I got from my app and also from another "wealth advisor"type app later was to move out from both funds as part of the quarterly rebalancing advice. I did not listen. And both funds have given me really good returns. Had I moved into the MFs suggested by them, I would have gotten rear ended. Always remember these finance people are NOT interested in YOUR financial well being as a first option. They want to make as much money off you through their commissions first. All other considerations are secondary. Do not blindly exit funds based on such generic advice.
Didn't enjoy this video. Felt a lot like selling than guiding.
The app suggests invest in index funds as most are underperformimg the index
This app is bakwas. Why would it tell a 24 year old to invest 40 percent of the corpus in debt plus gold. At that age it should be 100 percent equity
the youngest guy here.. no need to invest in debt as of now.. when you are young go 100% equity!
giving same advise to everyone is ridiculous.
Sir, i have a question. If compounding can help that much then why should one not invest in NPS rather than mutual funds? Kindly do confirm as NPS seems to be much safer option. Thanks and Regards!
Nps has a lockin period. You can't use that money until your retirement
@@mk67890and after retirement you got only pension. Your all money you can't withdraw.
Only nominee can withdraw your money after your death
NPS ? Ghatiya returns hai.
And lockin Aisa hai ki Paisa nikal nehi paoge 60 saal age tak
I do earn 45k per month, I am using 5k for my maintenance and I am giving 40k to my father and out of it 15k goes for house expenses and rest 25k he is giving it for borrowing for 1.5% per month( 18% PA) , is it ok to continue like this or could please suggest any better plan?
risk is high in lending
Is your father a money lender? Or is he using an app ?
@@shivamx008 he use to give money in person , within our surroundings and he always maintain Agreement paper, he is not interested in mutual funds or stocks
@@NS_Rider_9646 ok so he knows how to do this then i guess this might work for you, 18% is no joke during side ways market, but what about the people he lends to , are they from your community, trustable, or people who will say go put a case if you want your money, in these cases it becomes highly important if you or your immediate family is in law or police
@@shivamx008 we are just going by trust and giving to only well known persons. We always check their background and take agreement before giving, chances are there that few may default but we are trying to recover as much as we can
It's not a nice feeling if you laugh after looking at loss of investor. I would never want to show my portfolio to someone like you.
The content quality has gone down significantly. Morever he says the same damn thing in every video of his.
Anyone with little knowledge of finance and economics knows what this video is about and the authenticity of the content. Really disappointed to see these kinds of videos nowadays just to make money marketing an app.
Focus on earning more than investing more at least when you are young . Investing in yourself will give 1000x returns .. These finance influencers make more money in talking about investing rather than investing
The tumbnail was very misleading. There is a big difference in loss in corers and missed gains.
Two moot questions are- Primary, if these mutual fund/sip investors will be able to redeem/recover their entire money from AMCs and Secondary, do these returns ever beat the inflation ❓
Dude bought the whole stock market with 21 funds 😎😎😎
@Anshuman Sharma Why are you salesmen for gold and debt funds? They are the most pathetic mutual funds to invest in. Just because they exist doesn't mean you need to be a fool to invest in those. They underperform equity funds by a huge margin. Markets don't fall as often as you think so no point in hedge funds and betting against equity, it's always advisable to be 100% equity invested.
You invest in actual growth companies through stock, you own a part of profit making companies.
Gold is a piece of metal having sentimental value and debt gives FD kind of returns. Understand the basics don't just promote gold or debt funds just because they fell less in Market correction. If you see entire bull and bear cycle nothing beats equity return, even after falling more they will beat any gold or debt fund even during short spans
Thanks for the ad
I wish such apps allow us to manually enter the investment details, instead of making PAN CARD number mandatory.
this anchor is under performing in Financial Knowledge and running financial channel by running ads... what a modern age we have come into!!
Agree or not, I would rather be under-diversified rather than be over-diversified🙄.
Such a useless app. Don't be dependent on these apps, get the required bare minimum financial literacy and DIY in mutual funds.
Brother finally got his channel 😢 back 😅
❤
Does anyone know what mutual fund subscription service the third guy in the video mentioned?
Mutual Funds is always look on as a long term investment. If you have it not gained much in the first 5 years , you are sure to gain in the next 5-10 years.
Yes you should always review your funds every 6 months but that does not mean that apps like these really help. All these apps are robot generated and they do not show accurate picture most of the time.
You have yourself explained in most of the videos that you should never time the market and the most untouched your investments , the better returns you will gain.
I usually like your content , but this video seems to be favouring the app more rather than providing the correct knowledge.
Even if you dont gain in 5~10 years, definitely you will gain in 500 years
True AF. Every app wants there customer to stay with them and buy some subscription or consult with them
The first young kid the best way of making money long term- you are doing right by investing in index and the second and more important is avoid specialists
My portfolio 1 lack and two years return 70k😂😂😂
This episode seems to be very bland. The way how he schooled the second investor who gained crores by investing 5 years and compounding the rest is very bad. Even the app cannot agree nor deliver the returns as the market keeps on fluctuating. In the next 5 years, the same funds may not perform also, may be even his 6 funds that are performing well now may under perform and the 15 other funds would perform really well. That is market, right?
Which one is better for mutual fund to invest Groww app or my bank?
Once a legend said, "nothing is free in this world"
The app shows missed gains but doesn’t tell you how many MFs have beaten the benchmark.
FOMO creating app hai, yeh Dezerv waalon pe pehle se hi bharosa nahi tha but ab to bulkul bhi nahi. If you are gonna treat MFs like stocks then you are missing the point here brother.
Careful Anshuman!😛
Now youtubers make video as per the promotions came to them
Yo Guys I own 2590 Stocks of Rail Vikas
In which 1450 share was purchased at 65
200 shares at 74.34
And rest 949 stock at 95.95
Now rail vikas is at 107 Average stands at 2590 shares @ 77.04
Invested 1.9 lakhs and valued at 2.8 lakhs
@Anshuman Sharma
This application is not available globally.
Anshuman, this was not a good video, you cannot simply take an app and consider that as a benchmark and not refer to your own homework. Stop publicizing any 3rd party apps and give live guidance to people. This is really bad what you did in today's video.
Yaar Anshuman... I started investing too late. I am 37 and unmarried. My exposure is 3k p.m in index fund, 3k elss, and 2k in quant small cap mutual fund. I earn 80k cash in hand. I had been fooled into buying 2 endowment lic policies. I have been taking baby steps cautiously in buying stocks. I also try to put a certain sum of money in PPF and NPS. In such a case how should I proceed? Am I going all wrong about it? If you can advise me it would be great.
If your endowment policies are at an early stage, try and stop it. You'll lose a bit of money but makes sense to do damage control. If they're at late stage in the tenure, bite the bullet and complete the term. Anyhow, read the clause on Surrender of policy in the wordings.
I think you should increase your index investment amount to atleast 8-10k
I also invested in lic only from age 22-32. My own father had forced me to do it. Wrong decision
@@Rusikulya that's the thing. When we don't have any idea about investment, this is the first thing that we end up doing. So did you complete the entire policy term or did you discontinue? In case you have discontinued, you must have paid back the exemption to income tax for those 10 years....isn't it? Plus the rate of cancellation is so high.
Unsubscribed
Didn’t expect a clickbait thumbnail from you atleast.
App needs optimization. Hope he doesn't continue this App journey and hope he reverts back to the previous system
Dude, come on, I did not expect this from you.
This app says, that I have to immediately exit my Debt Hybrid fund lol, what's wrong with this?
why are people buying 10-15 mutual funds.3-4 should be more than enough.
This is happening because of regular plans through distributors/agents. These agents only suggest you to put in NFOs and those funds which have a very high expense ratio. They don't care about your investments and returns. They care about their hidden commissions. Better to research on your own and select direct mutual funds.
WTF! Already people will not invest. Now mutual fund portfolio review app will make the people to switch funds often. And happens same like stock invest .. everybody again will become poor in stock market
Did not expect such a content. The app is saying that the investor has missed gain of so and so amount, the missed gain is based of past performance, which any app can do. No body can predict the market and suggest one should have invested in so and so fund. Complete useless app.
does anyone know a detailed video showcasing in detail how to invest [like using which apps and basically telling the abc of how to invest]
I have tried few apps with subscription. The funds they suggested as best the next year they are showing underperforming and suggest new funds😅 so stopped trusting them.
Just when he drops equity infrastructure category …. It rockets up…
I was thinking that since all the people are losing money, why to invest in MF then. I hv only started to invest recently..
STOP CHASING SPONSORS!
VERY BIASED.
UNSUBSCRIBING
I don't know why everyone uses term i.e. compounding when it's not compounding at all . Specially this is not expected from people like you. Let me know I can 'Try to fix' some of your finances :p
Try using terms like 'Averaging' and 'exponential' rather than compounding
Look at the way he laughs by saying 57.1%
That's demeaning 2:23
Every found will have underperformance compared to nifty
It is considerable
Using Misleading title of the TH-cam video might be counter productive "Lost crores"
People should directly buy ETFs instead of getting into MFs as you'll end up getting locked in with your options and hefty commissions/fees to agents and PMs.
Perhaps it is not the opportune moment to assess the performance of the mutual funds, as the market has been stagnant for the past two years and the MFs have been heavily impacted.
According to the app, there is major underperformance...
This was a sales pitch and not any good advice. No advice based on age, paying capacity, skills etc.
Bhai tu sirf gyann chodta hai ! Khud ka portfolio dikha jara
@@Jaihindurashtra1 Reading such comment for millionth time
Tell me something new
Or lavde Jo portfolio ka point hai uspe bol
😂😂😂
awesome 👍
Biggest ad ever 😂😅
Thumbnail clickbait..that's not fair
What is the background music?
Boring to see ur content filled with ads and sponsorships….
How much they charge to review my portfolio in app
Total advertisement nothing new
Who lost crores in mutual funds? Stop these BS clickbait titles ...
kya faltu wealth monitor he
mail forward karo bethke
direct kfin kra se connection kyu nahi he ticker tape jesa ya indmoney jesa
Please make a a video on how to evaluate etf
hello anshuman small doubt, I'm currently having a 6-month emergency fund parked in my saving account. Can you suggest me best option for my emergency fund?
FD
Keeping it in your savings account is the best way.
Liquid funds
Liquid fund AAA rated papers
Dont download these and and give ur details, you will get spams call and fishy mail.
Take the pic of that uncle who is crying and put ur pic as crying pls
Pta nhi kyu pr ayushman is video me pura salesman lg rha hai
2 guy what do u do for living