NEVER invest your SALARY in Large Cap Mutual Funds | 10 SALARY INVESTING MISTAKES to AVOID
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- เผยแพร่เมื่อ 7 ก.ย. 2023
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When I first started earning money, I had 0 knowledge about investing.
So I chose the easiest path that everyone else also goes for - the Mutual Fund route.
And later on, I realized, how much money I actually lost by choosing this path.
In this video, I talk about key mistakes that retail investors make in their investing journey, and why should you avoid them.
P.S: NOT AN INVESTMENT ADVICE. Please do your own due diligence.
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Attributions:
Stock videos from Pixabay and Pexels
Logos: Wikipedia Commons
Video and TN editor: Ayushman Khare
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When to start buying stock? I mean how U r doing it?
He’s scamming and emotionally manipulating y’all 😂😂
Hi @akshat , what is the process of after signing up for your real estate workshop ? I have made the payment, would i be receiving some kind of ticket?
Hi @Akshat please help me join your community as I have purchased your stock market course 1 week ago.
I hope this is English channel, I am not sometimes, please keep English.
Just discovered your channel with this video -- I was able to think about my situation and I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $90K per year but nothing to show for it yet.
It’s important to do your own research and consult with a financial advisor before making any investment decisions.
I think that is a brilliant idea, I tried managing my stock portfolio by myself and I lost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then I have made up to $680K in returns.
@@Aurierserge50 I think that is a brilliant idea, I tried managing my stock portfolio by myself and I lost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then I have made up to $680K in returns.
@@Higuannn A colleague at work also suggested market experts, Hearing you say the same thing struck me. I think i should give this a try, but how can reach a decent advisor like the one you use?
I have worked with a few financial advisors before now but i ultimately settled for Alicia Estela Cabouli. She is SEC regulated and licensed in US. You can easily look her up.
Making money from stocks look deceptively easy. The reality is that stock market is one of the toughest mental games in the world.
Despite the fact that I have a fairly focused portfolio, occasionally adding a tiny new position can be beneficial. It isn't done to diversify. Focusing on something new is a useful diversion from obsessively overanalyzing what you currently have. It gives you and your portfolio some breathing room
The way the market is looking right now with so much volatility, nobody knows how low it can go but Dca is still a good strategy to adopt or work with a good trader who can read the market very well. personally, I have been trading under the guide of {Mrs Marisol Cordova} who is a brokerrage advsor and i have accrued a lot profit in the past 5 months. so don’t try to time the market.
@@africanboi4542 I've heard lots of good things about this lady you mentioned in Fin Market. How can i get in touch with her.
@@cloudyblaze7916 Mrs Marisol Cordova, she's been featured on several articles, you can search her name.
@@africanboi4542 Impressing i never knew advisors are outperforming the market and yielding good returns . I will lookup your advisor in the web she seem interesting .
Top mistakes:
1. Look for extreme safety.
2. Buying mutual funds randomly.
3. Investing via PMS.
4. Investing in things you don't understand.
5. Never taking bulk buying opportunities.
6. Creating an EMI (>50% of monthly salary)
7. Investing like friends.
8. Trend chasing.
9. Not considering port folio of incomes / stocks.
Summary:
1. Start with Nifty50.
2. Consider buying blue chip companies.
3. Add risk to your portfolio.
4. Understand bulk opportunities.
li tox modwz
,owom
In the beginning I used to see past performance of mutual fund for selecting a fund, that was my biggest mistake.
3,4,6 I have done these mistake according to your point ......
What I can do to overcome from it
@@sg042then what to see??
@@sg042So what do we look at?
With world markets tumbling, inflation soaring, the Fed imposing large interest-rate hikes, the treasury yields rising rapidly, markets manipulations, and many other factors makes me wonder if people still make profits from all these investing BS of tying down money.
Not Bs with the right information and steps, one can make over a million from the market in a day go ask Grant and other top investors.... Believe me or not as noob investor myself, I have made over 45K from the market in a few months.
Hi Mike, do you use spreadsheet... Can I see?
@ bertjames, The concept of using spreadsheets has always seemed incredibly time-consuming and superfluous to me. My investing accounts mirrors that of a sec regulated advisor, Kelly Marie Matwick it's a very transparent and automated method, I don't have to be active during trades. There are comissions though.
From today I have made 3.301% on my trading account. I'm almost 65 Y.O. and am using this extra money to help pay for odds and ends that I want as a retiree. Anyone can do it with the correct knowledge, skills, and patience. Best of luck to you going forward.
Hi, Thanks for the pointer. I will try out maybe for a month or two. I hope I am convinced.
I'm sure the kind of knowledge you have shared publicly free of cost will take out a good percentage of people from the slum of poverty to another level of financial freedom.
Appreciate your truthfulness and thoughtfulness.
Must watch video for all investors. I have cut down on my time on other sources of business news after becoming member of this community.
Try reading diamonds in dust and specifically the "when to buy" chapter to understand that in a 20-year period, there is no point in timing the market even for a 10-year period the difference is just minimal. Compounding works best when it is not disturbed.
With all due respect, could you create a video on how much returns you made while working full time 10-12 hours everyday in a company, because most of us don't have time to see and research the bulk buying opportunity and that's why we automate our sips.
😮😮😊😊😊😊😊😊😅
I agree with you largely...
Below are the steps I took to build my direct equity portfolio. Would be happy if it's of any help to you.
Step 1: built my initial corpus investing in SIPs. I did this religiously for close to 3 yrs. I selected very specific low cost index funds.
Step 2: somewhere 2 years down the line of started off identifying some good large cap stocks to be specific stocks from FMCG, Bankings, packaging, paints, etc.. These were relatively simple. Business for me to understand.
Step 3: when my XIRR on my folio. Numbers were high, made a partial withdrawal and parked the money in a short term debt fund.
Step 4: when the stock prices fell, closer to. To below the 200 day moving average, I moved money from the short term debt fund to. Accumulate positions in the specific stocks.
Honestly I do not know if my direct equity investments have yielded better returns than my mutual portfolio after taxes and other deductions, but being involved gives a sense of being in control...
But to be honest, once you set your plan up, it really does not take a lot of time to execute it... Only thing is, you need to be clear that everytime there is a dip, it's a buying opportunity and not to be viewed as a reflection of poor buying decisions.... Step 4 takes some time and few ups and downs in overall portfolio value to get used to...
Now, I just directly invest my sips in short term debt funds waiting for buying opportunities in my portfolio stocks.
Maybe few years down the line I will need to find a way to balance my portfolio...
Bhaisahab Aap purush hi nahi....
Mahapurush hain ❣️
This is an eye opener, I have committed to many of these mistakes. I have started corrections over the last 3 years and your descriptions are good!
Can you create a playlist of your videos on
1. Fundamental analysis
2. Basic of mutual funds
So that it would be easy to learn?
I really liked your idea to provide a short summary of your video at the end. It helps to recollect all the important things to note again.
hey akshat
i was looking for videos to make a portfolio of mutual funds, and finally we get this video and the previous part.
Thnx a lot!!
Brilliant! Very lucidly explained. Thank you.
Thankyou Sir. I learned alot from you and continue to do so. You are doing amazing work.
Dear Akashat sir, I want to express my heartfelt gratitude for the invaluable finance education you've provided. I take great pride in having been a dedicated follower for a year now. Your commitment to excellence is truly commendable, and I encourage you to continue your outstanding work. Thank you for being an inspiration.
Excellent knowledge sharing 👏🏼
Thank you Sir! Amazing!
For large cap, it is wise to invest in index. But in midcaps and smallcaps active has higher probability of beating index...
Amazing videos Akshat. Nice research keep educating like this. I have too built positions on the stocks which were discussed on your videos and exited the stock at 30% profit.
Please do a video about investing while managing alimony payments. Talk about having HUFs and other strategies which you can use to prevent payout in the case of Divorce.
Most of the actively managed large cap funds have managed to comfortably beat the index (NIFTY 50) over 7-10 years and longer.The recent underperformance for short periods of duration is due to inadequate allocation in PSUs which have been laggards for quite long. It's not just about what you hold but also how much you hold. Actively managed funds have the ability to be nimble and mindful. Also, when you invest in large cap funds there is a headroom for investing upto 20% in mid and small caps as well. Whether you invest in an index or an actively managed fund, you can't go wrong either way as the returns in the long run are fairly similar.
Thank you so much for the invaluable knowledge ❤
Excellent video. Keep it up. God bless you dear.
Thanks for sharing this info !
Medical inflation has been between 14%-22% consistently in the past 7 years that I have been working in the medical technology sector. And the food prices have almost gone up 50% just looking at the current monthly grocery bill compared to March 2020 bill I found recently. Makes sense that Akshat is telling India’s inflation is 12% in reality.
Ok
True, medical inflation and rising food prices are significant concerns. Akshat's insights align with the challenges many are facing.
Terrific discussion on salaried people investing strategy, thanks akshat
You are gem in guiding new investors and those who new to market.. Big fan of yours
thank you for sharing ur knowledge
Hi Akshat, can you please create a full video on PMS? You touched upon on this but a full video with your POV would help us decide what action we take. Thanks in advance. BTW…you are doing too good🎉
Beautifully explained.
Really sir u have describe my journey of investing... Still learning from u.. Ur great teacher.
Excellent video for starters who want to start their investment journey
Always look forward to your videos
I Always learn something or the other
Great learning from your videos.
Excelent video..deep insights shared.
Awesome content and simple explanation ❤
Hi Akshat. . Love your videos. Have gained immensely from them. A big Thank You from me. . . Of late in your videos, there are a lot of Hindi phrases which keep slipping into your narration which makes it difficult for non-hindi speaking followers like me.
Hi Akshat,
Can you please make one video about how you handle your TAX. You explain your profit many times. If possible
His wife is a CA
25:17 best advice
Excellent discussion 🎉
You are effin awesome Akshat Srivastava..!! Glad to see your video through my journey!:)
Hi Akshat , your videos given nice important tips, most of us are doing these common investment mistakes. Could you please advise us to build our individual portfolio. Thanks.
Great video, thanks for helping
Very helpful and i started with this tip to know when to do buying..
What I do - invest in small and mid caps by looking at the following -
1. Crisil Rank
2. Moneycontrol’s Risk Ratios score check (5 parameters)
3. Comparison with NIFTY50 since inception
4. Returns for 1Y/3Y/5Y as per my investment goal
5. Comparison with Category Leader
6. Decent Fund Size, Exit Load analysis
7. No shitty industry/company in portfolio - subjective to your opinion
But thanks to you I am able to understand the mentality of my older siblings who think Large cap is everything and have like 30 years investment goals 😂
Sounds like you have a well-thought-out strategy for investing in small and mid caps. It's important to consider various factors like rankings, risk ratios, returns, and comparisons for a balanced portfolio. Understanding different investment approaches helps us make better decisions. Keep up the good work!
Really good point that you raise, Akshat. The best way to measure inflation as an individual isn't really some basket of goods or CPI. Rather take a look at your own expenses, and how they've been rising.
Thank you
Another thing no one talks about FD is the tax rate. Equity investments are taxed at 10-15% depending on long term or short term while FD gets taxed at 30-33% if you are at the highest tax slab rate. So, effective gain in FD at 7% = 7%x0.7=4.9%. You'll gain more even if you earn 5.4% on Equity long term gain compared to 7% in FD.
Fd is not for wealth creation it's for emergency purpose.
For security purpose
Showering blessings of Mother Goddess on your portfolio... may you earn much more from your portfolio...
Hi Akshat
Where would you suggest one to park emergency funds?
Thank you so much for explaining so well. The efforts you make to create these videos are commendable. You have helped me understand basics of investing. Thank you
Very good Example & Explanation video 📸
Please do a video of when should buy, hold, and sell stocks.. how to analyze this to a successful trader
Thanks a lot Bhai for your guidance.
Kindly let me know your future workshops, would like to join and understand more about investing. Thanks once again.
Exactly what I have reworked out in the last month. Redeemed large cap mf, increased small n mid cap mf. Reduce the stock number size and move with large blue caps
We can learn a lot by akshat sirs commentary..just koin the channel!!
Hi Akshat, Some really insightful content that I came across recently. What made me buy the subscription apart from content was a push that you used to describe your channel. "Creating a content that my son would be proud of. "
I am actually working outside India, Is there any specific video that you have made for people abroad, if at all anything needs to be done differently?.
Hello Akshat a humble request to you please make a video on how to research and analyse stocks for swing and long term investing 🤗😇
Pls do a video on current situvation of VAULD and their future prospects..
Great content Akshat
Few more options : 12% Club (interest is generated everyday and you can withdraw anytime),
Bonds- return 9-11%
Yeah Akshat you are right
Bought small cap 250 index fund by nippon which is outperforming than other active funds of same category in this bull run.
As a part of bulk buying , up on your suggestion 🙏
A❤
@harikiran4530 In which video? Please reply
Nice informative video. Would have been helpful if you would have given idea how to invest in Nifty directly?
Logical and amazing
Please make a video on US stocks with different categories!!
@akshat: Can you please advise on best ways to invest if someone is looking for shariah compliance? I know its a very specific question...
8.5 - 8.75 % - FD - ujjivan small finance bank or utkarsh bank ( backed with 5 lkh insurance)
If any of your parent is senior citizen then extra interest.
In case if this helps :)
Nice 👍🏻
18:44 As I couldn't do bulk buying because of lack of surplus amount , what I did was , buying US IT ETF's , along with few Indian IT stocks in a staggered manner since past 7,8 months .
Now talking today , I have good amount invested and already sitting on 50% return or so. 😎
Thanks for all the advice that you have been giving so far .. it been really helpful for me to manage my investments and also understand a lot of things about market .. however just curious to know whether you are getting more revenue from TH-cam than stock market …
Thank you for providing such a good video with great insights..
Wɦǟֆǟքք ʍɛ
Simply superb 👌 I can't thank you enough for helping me know that I know nothing about investing. Yeah, I was the get up in the morning and go to office, Sip will take care of it types. I see now that the Sip are not returning as much as I thought it would. It all about timing the stocks and choosing the right stocks. Lots to still learn. Thanks for inspiring.
Last but not the least, you are an amazing coach. You can infact have live sessions. I bet people will be ready to pay for the depth of knowledge you possess.
Thanks for your feedback
I have something NEW
For Stock Market
Does it make sense to invest in passive midcap? Or active is preferred?
Respect bro !
Excellent analysis
Thanks for sharing God bless
Awesome video 👏👏
Amazing 🤘🍀
Whe you have more profit percentage in mutual funds than Akshat himself in past year.😊😊🎉
what about when total capital investment is 0.001% of his total capital investment? Profit of even 100% won't make a difference
Really liked the concept of bulk buying. Very nicely put. Thank you 🙏🏻
Please make a video for investing outside of India including the ai stocks and some others
Thank u ❤❤
Hi, I have joined your community very recently. Very informative content. Thank you. In one of your videos you talked about investment strategy for different salary class. And mentioned a follow up for salaried class 5L+. / month. Could you please point us to that content or video? Thank you.
Investors should be cautions about their exposure and be wary of new buys, especially during inflation. Such high yelds in this recession is only possible under the supervision of a professional or trusted advisor
How do You manage to smilingly put across Your Points & Analysis Convincingly?
Always liked your vedio and subscribed your channel. So much to learn from you.
Nice work
Thanks alot for making such an important content with so simple language.
Hi Akshat. I want to learn more about investing and strategies about fundamentals based on which to pick stocks. Is there anywhere I can connect with you ? Is there any cost/fees involved ? Thank you for your explanatory videos on investing.
Hi Akshat, Great Video. Thank you.
Is it a bad idea to premature closure of a 6.5% FD with penalty and put them into few large cap/blue chip stocks?
Don't do any premature just wait for the maturity then put in some multi cap fund.
Akshat how can we reduce or what should be the right way to reduce the number of mutual fund to minimum.
Hi Akshat.. Can you make a video on G20 summit..What will be the impact on stock market.. Can you please suggest 5 stocks which are going to benefit
Thank you so much Akshat for your short and factful videos! I learn little by little each time I watch your videos and this helps me in my tiny investment journey! Much love!
Nice suggestions
Please share your expertise about shares buyback in general and particularly about TCS buyback.
Should we sell or hold on to shares. Thank you so much
Hi bro, do you post your portfolio’s, buy and sells in community group? Please let me know thanks
Everyone talks about investment and its return but they forgot to mention about Short term and long term taxes. While calculating final amount of a certain investment, they should mention about the tax deduction.
Hi Akshat, I have learned a lot from your videos. And this one too, I liked the analysis very much and I see your logic. I am a researcher outside India -currently at NASA. Our job has an issue its like an international gypsy/migrant worker. So it keeps making me migrate from US - EU - Australia -Canada etc every 2nd or 3rd year because the research grants have only short tenure and the market is international depending on which university or agency advertise an exciting project/funding option. I already am in my 2nd postdoc research position after completing my PhD in 2020. And I jumped from India - Norway to now US this year. Mutual fund investing as an NRI is the only smooth investment route I could do. I have tried to make portfolio for stock investing, it involves lot of stages and many docs and commissions - it is hence not easy as a frequently moving around NRI. I tried investing in stocks from EU locally via Revolut. But had to withdraw all stocks and move them elsewhere when my international address changed. This is a regular drama and I lose lot in this process and cant hold stocks for long. In india as NRI in US Vs EU regulations affect investing and even to start investing in stocks its difficult. It would be great if you make a video addressing people like me - which include a whole lot of young reseacrchers wanting to invest in our nation building but have this issue. Result is I'm stuck with Bluchip mutual funds - the very ones which you said is pointless. But it is the only easy buyable option especially with banks like SBI / Scripbox like platforms making MF investments easy.