Do you want to be a person who can confidently make your own investment decisions? If yes, check out our courses at: social.rachanaranade.com/Courses It’s an opportunity to learn a lot of concepts relating to Stock Market, Mutual Funds, F&O etc. in a systematic, simple and fun-filled manner! Feel free to WhatsApp on +91 9022196678 if you have any enrollment-related queries.
Hello mam. In one of your recent video I've questioned you about mutual fund but I got reply from same account as like you with your name. So please look into that. He ask me to share query to WhatsApp number. So please let me know that is your number or not or your account.
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Every day we have a new problem. It's the new normal. At first we thought it was a crisis, now we know it's a new normal and we have to adapt. this year will be a year of severe economic pain all over the nation.. what steps can we take to generate more income during quantitative adjustment?I can't afford my hard-earned $180,000 savings to turn to dust
Me too. I thought about investing in the financial market, I heard that people make millions if you know the tricks of the trade, but I lack good knowledge and a strategy to outperform the market and generate good yields. I have $160,000 but it's hard to bite the bullet and do it.
@@jenniferkyle6036 I hope everyone has money ready to invest at the appropriate time. Planned actions can help you secure your financial future. You still have the best chance of becoming a millionaire on the stock market.
@@emilybrown2719 We must consider safer investments with promising returns in order to plan for the future. If you approach investing with a five-year perspective and simply DCA whenever you receive a check. Under the direction of my investment advisor, "Susan Agnes Hancock", whose expertise in portfolio diversification is unsurpassed and client-focused, my portfolio has gained almost $643k since January 2022.
Interesting , the stock market is currently experiencing a decline while bond yields are on the rise. However, there seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to liquidate my $250,000 stock portfolio. I'm seeking advice on the best strategy to capitalize on this current bear market.
A lot of people watch videos on TH-cam about passive income and portfolio income, but it occurs to me: am I fed up? and how much do i have to invest? Well, I had a similar question when I met a registered investment advisor (Sherman Williams Trading) that satisfied my curiosity and now I'm making $42,000 every 15 days investing with him.
Investments are a way of providing funds for the generation of future income or profits. Investing allows individuals to put money aside while they go about their daily business, let the funds work for them, and earn income for their work in the future. It is important to invest wisely, make informed decisions and carefully weigh the risks and potential rewards associated with each investment opportunity.
Sherman Williams Trading is really something else, its strategies and its seriousness brought him so much. This isn't the first time I've seen evidence of his good deeds and I'm sure it won't be the last. For such good people, we owe them our prayers and support.
Wow, what a tremendous presentation I came home to and really got the working and choose in between the SIP and LUMPSUM in a profound manner, Although I am going for SIP as a novice investor and ideally I believe that it's really worthwhile for salaried employees! ❤️✌🏻 Thanks a million Ma'am! ❤️✌🏻
In simple talks 1. Do sip in regular market 2. And do Lumpsum invest when market crashed or bearish.... Bonus tip:- Always saved some amount to do Lumpsum when market hit to rock bottom like corona and other future havoc
Successful people don't become that way overnight. What most people see at a glance- wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
When I met you exactly 2 years before in Bangalore in subscribers meet it was around 300k with in 2 years your channel has grown 10 times. Kudos to you ma'am. God bless you
Doing investment in SIP since last 4 and half years. In first 3 years my portfolio was always in red and i felt like giving up but today the return I am getting is phenomenal. Patience pays off. The best part of SIP is that even if you are busy at work the fund manager is doing all the buying and selling for you. You earn when you are on a holiday , you earn when you are asleep. That's the best part. Tension not.
since last 1 year i was planning to invest in mutual funds bt it is very much confusing for me . so i decided to take help of investment adviser . but before that i started searching on net abt mutual funds . luckily when i came across your 1st video .after watching it i feel that this is what i was searching for . and then i watched your almost all videos . and still watching it whenever get free time to keep me update . now i can understand where my invester is investing my money and it wil work . thank you so much Rachana . keep it up .
I’m seeking to invest a good amount across various markets but don't know which is safe at this point of uncertainty, I was advised to diversify between stocks and bonds, since they can help hedge against inflation, or am I better off holding cash?
I did my homework on which stocks and ETFs I like for the long run, made a plan for dollar cost averaging for a year and I'm sticking to it, trying not to panic... a
With the help of the same investment advisor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs).
Finding financial advisors like Pamela Kay Regel who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Don't speak like an idiot...... And don't speak just for sake of speaking atleast be serious to some extend discuss something related to this video so that it will be useful to others
First half of the video is very simple to understand.2nd half went over head.I am 52 years old. What should be the ideal amount and period to invest in SIP? Till date I have not invested single rupee in Mutual fund or stock market, but now I have decided to invest.
I think we should do sip but we should also have some little extra amount for lumsump amount when market is at its very low level। For it we don't need to predict market but need to track if market is at it's low level it will be extra benificiary for very long period
I want to hold on to Cash for an entry point based on an indicator /RSI, But for a salaried person with savings of about 150k, I think an SIP may be more beneficial as holding cash for long period. But will parking cash like this provide stable returns?
Here you can do is to create some short time SIP's Or can do RD's so that you can invest some amount of cash punctually then use these saving to buy dips. Also you could contact an investment advisor for informed decision
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future
Simple and straight. SIP with good fund is good in a volatile market (combination of upward,downward,sideways).. Lumpsum is good in case and only in case the fund is always at an uptrend(rarely in reality). Best Advice: Start pouring your money in an SIP. Build a corpus in a few years. Discover more and play with stocks after that with your build up capital. If your learn the right way you earn the right way.
Mam, I am a Insurance Advisor. Your every video is adding value to our knowledge. It is interesting, guiding as well as easy to understand. Thanks for your marathi channel too. Keep sharing your knowledge & Stay blessed.
People like me with No finance background knowledge will definitely understand 100% what is SIP and Lumpsum. Amazing sense of humour when you said Discipline learning to Subscribe and like every videos.. Khup Chan explain kela mam. Thank you.
Yes, I have just started doing SIP from last 8 Months. In my opinion, SIP is better as you don't have to bite the nails in case of market fluctuations.
As She says SIP better. We will not know the time when is low. Keep your money in reserve 3 to 4 installment when market falls bit put some money and wait again it falls again invest it. If market bounce back wait for some time if market falls about 1000 points then invest part of it to average it. It's is too tricky to find the right time for lumpsum for safe guard your capital SIP is better any time. For SIP no right you can start any time but to grow your money wait at least for 5 years. I tell SIP is not for short-term.
Both routes are having their pros and cons. The most important thing is the date of maturity and expected maturity of investment should match with one, smart financial goal.
I do lumpsum for my mom.. She is conservative so I usually choose Index funds and hybrid funds for her.. Once I had invested in tata digital funds because I am from that sector and I keep good knowledge about it.. it has already given more than expected.. For me ..I am a salaried person my risk appetite is high as of now.. so I do direct stock investment and still opt for some SIP in MF(35%).. Just invested once in cryptos and like a dumb head I was trying to catch a falling knife.. but that is ok.. It was more like a gamble.. il check the value after 10years.. Need to explore other assets too..
Only thing in SIP though is that its easier to hit a certain return rate via SIP whereas lumpsum doesnt give you that much flexibility. I.E. if market is down and great companies are at discount value, in SIP you have the ahility to buy them whereas in lumpsum, your money would already have been locked in other equities
I have really experienced what you mentioned... I started my SIp around 2018. Until 2020 June - the market was almost bearish and I always saw negative returns. Once, market is bullish - I saw the returns coming up. Now, My investment is appreciated by almost 50% or even more.. I am really happy with this mode of investment.. If mareket goes up - my investment value goes up, if market goes down - I get more units for my purchase. It is a good mode for a salaried employee like me.
Note down nifty number everyday via news and invest in lumsum when the market falls down by 1% or so. This is lumsum+sip strategy and I feel best strategy. 🙂
@@mrAnuraghig68 Ok But in mutual funds the NAV takes 1days to reflect. Let's say market fall 1% today then this reduced NAV will reflect on next trading day. So we should invest on the next day of the fall. Correct me if I'm wrong
@@mayankraj1244 you have to invest on day when the market has fallen before 2pm to get the same day NAV...after 2pm if you invest then the money will get invested on the next day NAV.. This is Groww app rules, may be its different for different platforms
Rachna mam has created an extraordinary way of marketing her products in an video. No one can easily understand the psychology behind these.. Too good mam 🎉
An amazing eyeopener In a real world scenario the markets tend to exhibit a great stochasticity on day to day and monthly basis Therefore it is such a complex scenario with ripples thereby dampening overall returns. A span of over 5 to 10 yrs would eventually beat all averages
What I do is invest into ETFs and blue chip stocks but I like to focus on ETFs that mirror the performance of a major index like the S&P 500 for good ROI monthly and long term
how do you do it? I mean invest for profits because I have never done it before although back in college I had friends trading stocks and making money but it was never my thing
I bought some shares worth about 10k one time and just left it there checked back some months and I had lost more than half my portfolio because I didn’t even know what I was doing without the knowledge or guide you will lose otherwise use expertise
Well I watched this video just now. I have been investing in SIP for 3 years now but with a small amount of INR 2000. Now I see good value for my money with 16% return. I never expected this.
Research says -: Lumpsum is always better than SIP if you already have money to invest. This is what you also showed in your calculations. There is a research paper for this topic based on real life stock moves. However most people invest when they earn and hence have no option but to invest monthly too. If someone needs to save monthly to collect a lump sum and then invest , then it would be better to do SIP. Timing the market is very difficult for average investor and I believe we should refrain from trying to do that. Who can say that we are in bull market or bear market with high confidence ?
Right now you can think it will be bearish going forward considering the impending interest rate hikes, effect of Ukraine war across the globe, and the effect of COVID fresh lockdowns in China.
After watching your videos on stock market, I got a huge boost and confidence to invest in stock market and I have started couple of SIP's already..Thanks Mam.. I am sure you have motivated thousands of people like me with every video of yours
I am currently 19 years old and i am learning money managing not having any income source at present but i will create it... But from my monthly savings i can withdraw money to invest in mutual fund sip..as it is better choice in both type of market bearish / bullish 🙏🏼 Thanks mam learned a lot 🤍
@@sonumahanta1531 in my case I feel like some people who started at 14-15 are lucky but slowly i understood that everyone has their own timeline and it doesn't matter bhaiya you just need to have a learning mindset and discipline...I know I am saying😋but I am also not too consistent and i do mistakes and sometime waste my times but yaa if we had a goal then we need to work hard toward it... ✌️✌️✌️
Thanks for your enthusiasm and enlightening us. At 11.13 you shared the most important aspect on lumpsum vs SIP and most people who are advisors fail to inform their clients about it and thereby investors not able to make their more work more efficiently for them. I am very happy that I came across your video and youtube channel. Thanks once again.
I have started an SIP two montha back. I get a minimal salary but i chose to invest . When my account gets debited every month i feel like secure that I am stopping myself from unwanted expenses and the money goes invested wisely.
It's not about watching videos and wasting your time on strategies, i was ignorant doing so. so I decided to try Mich Smith and ever since then he has made me huge profits
Thanks for the support👍▪︎------ Don't forget to hit the subscribe button and get on our Telegram:•@financialhelpdesk ☆☆♧▪︎For support and guidance☆☆...🥰🙂
Naive doubt - when should we exit long term SIP ? Lets say if we invest SIP for 5 years and got a huge profit , should we reap the profit even though we dont have need for money ? Doubt is - if we continue SIP for another 2 years and if market crash , doesnt it erase all huge profit earned ?
Don't need the money....or even if you need it, do consider the tax outflow. Even sale proceeds of mutual fund units are taxable. My suggestion would be 15 percent minimum return compounded per annum. If you are getting more than that, cash out some ..your initial investment... let the profit remain.
Aise hi TH-cam se yahan wahan se inspire ho kar I invested some amount from my pocket money when market crashed previous year and now I am getting 1200% returns , it's kinda unbelievable for me😂😂
What's the optimal duration that we need to consider while identifying whether the market is bullish or bearish? 3 years? 5 years? And what about the benchmark to consider while identifying the market? What sort of index?
Appreciate your patience, efforts and analogies to better understand the various investment strategies. Would be of great help if you could share few fundamentally and technically strong list of stocks to invest in SIP mode for the next 5-6 years. 🙏
Good one as always, While watching this video I got a thought "SIP for SIP" SIP : Systematic investment plan SIP : Small Income People 👍 Let me know about this new defination in next coming video 🙂
Absolutely superb. As a business man, as stated I get payment based on assignments. I have been looking for right answer to the approach to adopt but finally have got one. As I have investment horizon of 30 years. I put lumpsums as and when its convenient but seems like in long run it will match the sip reruns.
Yes I have started in SIP from last 26 months for an amount of 6k and gradually increase the investment amount. Being an middle class family lump sum is not possible right now for me. But investment is important for me
@@pranush27 I have started investment with the advice of my financial adviser. And I am not using any App for investing. Amount get deducted on the date i have specified.
Yes mam I investment lumpsum amount in jan 20 after that market crash due to corona virus I suffered big loss in lumpsum amount but I am now happy with investment now in green
Madam,now i am in my college, from my childhood i had saved 30k rupees and i get a pocket money of 1000 per month. So,i am deciding to invest my 30k as a lumpsum for 40 years and a sip of 500 rs also for 40 years. Madam,is it a good planning for my investments ? Please reply me. My parents are strictly going against my investment planning. But if you agree with my planning. It will give me a little hope
This is wrong ma'am. Suddenly you are coming and eating gulab jamun, i got cravings too for it and we don't have it at home now. Superb lecture once again❤️
Can you make a video which will help senior citizens to understand these concepts, if possible in Marathi? Many times middle class pensioners have ability to invest but can’t do investments due to lack of knowledge.
I and my family will forever appreciate you. You've changed my life I'll continue to preach about your name for the world to hear. You've saved me from a huge financial debt with just little investment! Matilda Harvey is the best.🇺🇸
After experiencing stock market and seeing so much analysis here, I think the only money you can invest in share market is the money which you will never need. Think about it.
going to a SIP now....thank u mam... May be lumsum is better but having 6L at once is a dream for us mam...SIP of few thousands is much better even if it gives lesser returns then lumsum...
Absolutely right. If you are salary people than invest through sip in mutual fund but you are business man than invest through lumpsum amount in mutual funds is better one. Thanks for explain sip vs lumpsum in easy and simple way. Thanks a billion.
You are Brilliant .. But the million dollar puzzle is how to find if it is a falling market or raising market ?? For Example, Now is it a falling market or raising market ??
Please I need someone to help me trade or invest the forex or crypto market because I’m tired of trading in losses myself. I’ve blown my account twice and it’s frustrating…
I always invest LUMSUMP,,,,,When market is fallen and NAV is lower,,,, Every three years my money doubles,,,,, I have been doing from last 10 years,,,, I choose the right days when market is fallen and i invest LUMSUMP 3 to 6 times a year,,,,,
Do you invest in one mutual fund only? How do you decide where to invest and when market is at lowest? What are your thoughts on current market conditions? Is it the right time for lumsum investment?
Last week, Warren Buffett talked in BBC news about how investors and traders can make millions through Crypto. He also recommended an expert Mrs Betty Harris. Wondering if any viewers here are familiar with her services?
Expert Mrs Betty Harris have an intellectual strategy that cut down losses. I have the best investment with the aid of Mrs Betty Harris . She's friendly and have easy to get along with in terms of signals and investing tips
Expert Mrs Betty Harris has aided so many newbies including myself. I've 12wins from forex trade with her help. Thanks to her strategies, she's really the best. I've made $16,400 in 18days working with her
Mam, i have one question. I thought i am going to invest in SIP on a daily. Can it's a good option rather than investing only one date. Which is better ???
I have been following your presentations for some time now and like those. In your recent presentation on SIP, it would have been better if you have also covered SWP and systematic switch plans (from one MF scheme to other one). To my mind switch plans may not be too advantageous while SWP would be reverse of what you have presented. I would also appreciate if you (if not covered already) would talk about the stocks of companies like Avenue Supermarket, which will rise in market but would not declare any dividends. Keep up the good work you are doing
Namaskar , am 72 years a senior citizen , pls suggest for me , which is best sip or lumpsum and which company pls tell me that as well...since am not aware of anything . We just have FD but thinking of something new .. Rachana mam you are doing very good job Keep it up. All the best 🙏
Hi , this was a very informative video. Can you also please extend this and explain how will tax be applied, If I go for an SIP? Also, how can we save tax, through tax harvesting, if we do an SIP in say Index Mutual Fund (Nifty)? Thank you.
Invest in tax saver mutual funds. You will get option in groww app where you can select any tax saver mutual fund as u like and can do sip or a lumpson amount
@@dineshmali5193 Yes, I looked into a few of them, many have quite high expense ratios. Also, can we do tax harvesting if we opt for it? It has a 3 year lock in period right? I dint quite understand that.
Every single concept and explanation was great....But icing on the cake was your 5 sec song ..really mam very nice voice you have...like to hear one full song from you apart investing 😊
Yes mam, i started my investment from 2017 in equity market and before that i used to invest in rd and fd. I have accumulated 6lakh amount in 2017 and i invested the whole amount in 2017 and also started sip of 9000 on the same year during june. I monthly income is 16000 and my monthly expense is 5000. Right now my current valuation is 22 lakh. Am I efficient in investing? Do I need to be more efficient regarding investment? From last year my monthly income has gone down to 12000 due to corona but i haven't skipped any sip, i am still investing 9000 per month. Please do suggest me if I can optimise my investment.
@@vipulrane2902 Sir my age is 36 and I did 4years of job from 2013 to 2017 and after that i resigned the job. Then i started teaching school students at my home. This is my only source of income.
You really did great in Investing I haven't even reached 4 lacs yet I will definitely take risk now can you help me with Mutual fund scheme you are currently investing in?
@@vipulrane2902 sundaram small cap and midcap and aditya birla front line equity and uti nifty 50 and the last hdfc low duration. In a manner 2000 , 2000, 2000 , 2000 and 1000 respectively
Do you want to be a person who can confidently make your own investment decisions? If yes, check out our courses at: social.rachanaranade.com/Courses It’s an opportunity to learn a lot of concepts relating to Stock Market, Mutual Funds, F&O etc. in a systematic, simple and fun-filled manner! Feel free to WhatsApp on +91 9022196678 if you have any enrollment-related queries.
Hello mam. In one of your recent video I've questioned you about mutual fund but I got reply from same account as like you with your name. So please look into that. He ask me to share query to WhatsApp number. So please let me know that is your number or not or your account.
Itna english bol rahe ho 😂
Ye baate har kisi ko samaj nahi aati he,, medam
😊
@@prasadgosavi986🎉
Ma'am sip or compounding interest are same or not ? Reply me Ma'am
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.
Every day we have a new problem. It's the new normal. At first we thought it was a crisis, now we know it's a new normal and we have to adapt. this year will be a year of severe economic pain all over the nation.. what steps can we take to generate more income during quantitative adjustment?I can't afford my hard-earned $180,000 savings to turn to dust
Me too. I thought about investing in the financial market, I heard that people make millions if you know the tricks of the trade, but I lack good knowledge and a strategy to outperform the market and generate good yields. I have $160,000 but it's hard to bite the bullet and do it.
@@jenniferkyle6036 I hope everyone has money ready to invest at the appropriate time. Planned actions can help you secure your financial future. You still have the best chance of becoming a millionaire on the stock market.
@@emilybrown2719 We must consider safer investments with promising returns in order to plan for the future. If you approach investing with a five-year perspective and simply DCA whenever you receive a check. Under the direction of my investment advisor, "Susan Agnes Hancock", whose expertise in portfolio diversification is unsurpassed and client-focused, my portfolio has gained almost $643k since January 2022.
@@ladymariangray Wow! That is astounding. Where can I find this Advisor? I have to profit from the market's decline.
@@gracesdonny1532 Look her up online; she has a website where you can get in touch with her.
Interesting , the stock market is currently experiencing a decline while bond yields are on the rise. However, there seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to liquidate my $250,000 stock portfolio. I'm seeking advice on the best strategy to capitalize on this current bear market.
I see this comment everywhere
Bruh from USA
A lot of people watch videos on TH-cam about passive income and portfolio income, but it occurs to me: am I fed up? and how much do i have to invest? Well, I had a similar question when I met a registered investment advisor (Sherman Williams Trading) that satisfied my curiosity and now I'm making $42,000 every 15 days investing with him.
Investments are a way of providing funds for the generation of future income or profits. Investing allows individuals to put money aside while they go about their daily business, let the funds work for them, and earn income for their work in the future. It is important to invest wisely, make informed decisions and carefully weigh the risks and potential rewards associated with each investment opportunity.
Investing is a stepping stone to success, especially under the guidance of professionals. Is Sherman Williams Trading that good? ? >
Sherman Williams Trading is really something else, its strategies and its seriousness
brought him so much. This isn't the first time I've seen evidence of his good deeds and I'm sure it won't be the last. For such good people, we owe them our prayers and support.
How can I reach him? Can I find him on INSTAGRAM?
INSTAGRAM
Very much glad to see Marathi mulagi guiding about finance to world Salute ✌️
Wow, what a tremendous presentation I came home to and really got the working and choose in between the SIP and LUMPSUM in a profound manner, Although I am going for SIP as a novice investor and ideally I believe that it's really worthwhile for salaried employees! ❤️✌🏻
Thanks a million Ma'am! ❤️✌🏻
In simple talks
1. Do sip in regular market
2. And do Lumpsum invest when market crashed or bearish....
Bonus tip:- Always saved some amount to do Lumpsum when market hit to rock bottom like corona and other future havoc
very inantelegent investment your logic is nice and practical....👍
one doubt we have to mention before we going to invest in lumpsum in future
But that is a exit load in lumpsum ...so final(redeem) year make sure no lumpsum should be there otherwise exitload
Thanks
Where do you get to know whether is market is crashing or going up?
Successful people don't become that way overnight. What most people see at a glance- wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
A friend that I referred to her just received €61,050 profit after 6days of investing.... I became jealous.. Lol
I'm not here to converse for her but to testify just for what I'm sure of,
I've never heard or seen any of her clients complain of lost....I think she's just too perfect.
She is certainly the best, I invested with her a year ago, my profits per week is almost $22,000
No doubts, she has brought me out of the wrenches and to a better living through her trading service
When I met you exactly 2 years before in Bangalore in subscribers meet it was around 300k with in 2 years your channel has grown 10 times. Kudos to you ma'am. God bless you
Doing investment in SIP since last 4 and half years. In first 3 years my portfolio was always in red and i felt like giving up but today the return I am getting is phenomenal. Patience pays off. The best part of SIP is that even if you are busy at work the fund manager is doing all the buying and selling for you. You earn when you are on a holiday , you earn when you are asleep. That's the best part. Tension not.
Sir can u suggest any best mutual funds
Sugest which platform ur using. Or who is fund manager
Which mutual fund are you investing in?
You earn in market hours
since last 1 year i was planning to invest in mutual funds bt it is very much confusing for me . so i decided to take help of investment adviser . but before that i started searching on net abt mutual funds . luckily when i came across your 1st video .after watching it i feel that this is what i was searching for . and then i watched your almost all videos . and still watching it whenever get free time to keep me update . now i can understand where my invester is investing my money and it wil work . thank you so much Rachana . keep it up .
Hi
Can you share investor details
I’m seeking to invest a good amount across various markets but don't know which is safe at this point of uncertainty, I was advised to diversify between stocks and bonds, since they can help hedge against inflation, or am I better off holding cash?
I did my homework on which stocks and ETFs I like for the long run, made a plan for dollar cost averaging for a year and I'm sticking to it, trying not to panic... a
With the help of the same investment advisor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs).
Mind if I ask you recommend this particular professional you use their service? i have quite a lot of marketing problems.
Finding financial advisors like Pamela Kay Regel who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
I Donno if I’m going for SIP or lumpsum but for sure getting Gulabjamun after watching the intro part 🥺🥺😂🤣
Lavangi mirchi leke aa Sip mein,😂
Yes for Gulabjam even though I am diabetic
😂😂👌
Don't speak like an idiot...... And don't speak just for sake of speaking atleast be serious to some extend discuss something related to this video so that it will be useful to others
😂😂😂
First half of the video is very simple to understand.2nd half went over head.I am 52 years old. What should be the ideal amount and period to invest in SIP? Till date I have not invested single rupee in Mutual fund or stock market, but now I have decided to invest.
I think we should do sip but we should also have some little extra amount for lumsump amount when market is at its very low level। For it we don't need to predict market but need to track if market is at it's low level it will be extra benificiary for very long period
Best part about this video is safar khoobsoorat hai manzil se bhi. Great voice
I want to hold on to Cash for an entry point based on an indicator /RSI, But for a salaried person with savings of about 150k, I think an SIP may be more beneficial as holding cash for long period. But will parking cash like this provide stable returns?
Here you can do is to create some short time SIP's Or can do RD's so that you can invest some amount of cash punctually then use these saving to buy dips. Also you could contact an investment advisor for informed decision
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future
Can you share details of your advisor? I am in need of one if this be the case
*Sharon Lynne Hart* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.
Simple and straight. SIP with good fund is good in a volatile market (combination of upward,downward,sideways).. Lumpsum is good in case and only in case the fund is always at an uptrend(rarely in reality).
Best Advice: Start pouring your money in an SIP. Build a corpus in a few years. Discover more and play with stocks after that with your build up capital. If your learn the right way you earn the right way.
Mam, I am a Insurance Advisor. Your every video is adding value to our knowledge. It is interesting, guiding as well as easy to understand. Thanks for your marathi channel too. Keep sharing your knowledge & Stay blessed.
People like me with No finance background knowledge will definitely understand 100% what is SIP and Lumpsum.
Amazing sense of humour when you said Discipline learning to Subscribe and like every videos.. Khup Chan explain kela mam. Thank you.
Yes, I have just started doing SIP from last 8 Months.
In my opinion, SIP is better as you don't have to bite the nails in case of market fluctuations.
Hey can you tell me from where we can start sip?
@@garimajain5777 I can help you..
@@garimajain5777 online through apps ofcourse
Which org is good to invest in SIP
@@IBleedTiranga if Its online from which app
19 yr old, invested listing gain of 10000 in a mutual fund - one time investment in rising market. Looking forward to more such learning .
🙌
Obviously Lumpsum but should have to identify the right time to invest(when market is running low).
Bata Dena bhaai jab market rock bottom me hoGa...
“Time in the market is better than timing the market” is what they say. I feel lumpsum is better in bull market, otherwise SIP would be better.
lumpsum is good in market crash otherwise sip
As She says SIP better. We will not know the time when is low. Keep your money in reserve 3 to 4 installment when market falls bit put some money and wait again it falls again invest it. If market bounce back wait for some time if market falls about 1000 points then invest part of it to average it. It's is too tricky to find the right time for lumpsum for safe guard your capital SIP is better any time. For SIP no right you can start any time but to grow your money wait at least for 5 years. I tell SIP is not for short-term.
Wait & watch.Good opportunity is waiting for you in January first week.
Both routes are having their pros and cons. The most important thing is the date of maturity and expected maturity of investment should match with one, smart financial goal.
I do lumpsum for my mom..
She is conservative so I usually choose Index funds and hybrid funds for her..
Once I had invested in tata digital funds because I am from that sector and I keep good knowledge about it.. it has already given more than expected..
For me ..I am a salaried person my risk appetite is high as of now.. so I do direct stock investment and still opt for some SIP in MF(35%)..
Just invested once in cryptos and like a dumb head I was trying to catch a falling knife.. but that is ok.. It was more like a gamble.. il check the value after 10years..
Need to explore other assets too..
Ma'am this first reason of watching your video is.... your intro clip and your English speaking..... hats off....
Only thing in SIP though is that its easier to hit a certain return rate via SIP whereas lumpsum doesnt give you that much flexibility. I.E. if market is down and great companies are at discount value, in SIP you have the ahility to buy them whereas in lumpsum, your money would already have been locked in other equities
I have really experienced what you mentioned... I started my SIp around 2018. Until 2020 June - the market was almost bearish and I always saw negative returns. Once, market is bullish - I saw the returns coming up. Now, My investment is appreciated by almost 50% or even more..
I am really happy with this mode of investment.. If mareket goes up - my investment value goes up, if market goes down - I get more units for my purchase. It is a good mode for a salaried employee like me.
Just wow explanation..I'm starting an SIP right away and you have earned a subscriber :) brilliant content
Note down nifty number everyday via news and invest in lumsum when the market falls down by 1% or so. This is lumsum+sip strategy and I feel best strategy. 🙂
very correct broo
What if in a month market don't fall 1% or so on any day
@@mayankraj1244 then you can wait or else invest when u see market in red
@@mrAnuraghig68 Ok But in mutual funds the NAV takes 1days to reflect. Let's say market fall 1% today then this reduced NAV will reflect on next trading day. So we should invest on the next day of the fall.
Correct me if I'm wrong
@@mayankraj1244 you have to invest on day when the market has fallen before 2pm to get the same day NAV...after 2pm if you invest then the money will get invested on the next day NAV..
This is Groww app rules, may be its different for different platforms
Rachna mam has created an extraordinary way of marketing her products in an video.
No one can easily understand the psychology behind these..
Too good mam 🎉
An amazing eyeopener
In a real world scenario the markets tend to exhibit a great stochasticity on day to day and monthly basis
Therefore it is such a complex scenario with ripples thereby dampening overall returns.
A span of over 5 to 10 yrs would eventually beat all averages
What I do is invest into ETFs and blue chip stocks but I like to focus on ETFs that mirror the performance of a major index like the S&P 500 for good ROI monthly and long term
how do you do it? I mean invest for profits because I have never done it before although back in college I had friends trading stocks and making money but it was never my thing
@@denise9242 I use the service of a fiduciary under a great broker, that is the most effective way I have known
I bought some shares worth about 10k one time and just left it there checked back some months and I had lost more than half my portfolio because I didn’t even know what I was doing without the knowledge or guide you will lose otherwise use expertise
@@willian8156 do you mind connecting me to your fiduciary please, maybe he can help me get started
@Benjaminravies. Info thank you sir, my second week trading under his guide and i am seeing good improvements
Well I watched this video just now. I have been investing in SIP for 3 years now but with a small amount of INR 2000. Now I see good value for my money with 16% return. I never expected this.
Be it SIP or lumpsum, discipline is more important 🙏
What a brilliant idea to show with a gulag jamun example !!!
Research says -: Lumpsum is always better than SIP if you already have money to invest. This is what you also showed in your calculations. There is a research paper for this topic based on real life stock moves. However most people invest when they earn and hence have no option but to invest monthly too.
If someone needs to save monthly to collect a lump sum and then invest , then it would be better to do SIP.
Timing the market is very difficult for average investor and I believe we should refrain from trying to do that. Who can say that we are in bull market or bear market with high confidence ?
What do you suggest now please tell as nifty is down and accordingly it will be more down.
Rachna your videos are a delight to watch. Learning becomes fun. More power to you!
Explanation was good. But how do we know in advance whether the market will be bearish or bullish 🙄
@Rachana please respond
Right now you can think it will be bearish going forward considering the impending interest rate hikes, effect of Ukraine war across the globe, and the effect of COVID fresh lockdowns in China.
Apart from good financial Advisor you are melodious singer..You got a sweet n melodious voice .Keep singing.
After watching your videos on stock market, I got a huge boost and confidence to invest in stock market and I have started couple of SIP's already..Thanks Mam.. I am sure you have motivated thousands of people like me with every video of yours
started my SIP from this month. I am so glad to have your videos. tkxxxx
I am currently 19 years old and i am learning money managing not having any income source at present but i will create it...
But from my monthly savings i can withdraw money to invest in mutual fund sip..as it is better choice in both type of market bearish / bullish 🙏🏼
Thanks mam learned a lot 🤍
You are intelligent that you are investing so early in life❤❤
I wish I had started 4-5 years earlier.. Better late than never😊
@@sonumahanta1531 in my case I feel like some people who started at 14-15 are lucky but slowly i understood that everyone has their own timeline and it doesn't matter bhaiya you just need to have a learning mindset and discipline...I know I am saying😋but I am also not too consistent and i do mistakes and sometime waste my times but yaa if we had a goal then we need to work hard toward it... ✌️✌️✌️
How awesome the intro was !! She's damn talented and the English is so comfortable and perfectly she communicates . Her channel is flawless
Thanks for your enthusiasm and enlightening us. At 11.13 you shared the most important aspect on lumpsum vs SIP and most people who are advisors fail to inform their clients about it and thereby investors not able to make their more work more efficiently for them. I am very happy that I came across your video and youtube channel. Thanks once again.
Madam i choose LUMSUM... Style of investment... Thank you very much
You are a boon to new investors like me...Thank you for all this knowledge❤🙏🙏🙏
I have started an SIP two montha back. I get a minimal salary but i chose to invest . When my account gets debited every month i feel like secure that I am stopping myself from unwanted expenses and the money goes invested wisely.
I never doubted trading with Mr Mich after seeing his POT (Proof of Trades) I have made good profits this year, i hope to make much more in future.
It's not about watching videos and wasting your time on strategies, i was ignorant doing so. so I decided to try Mich Smith and ever since then he has made me huge profits
If only some people would be patient to understand that Bitcoin isn't going anywhere, instead it's taking over the globe
@Max Boland You can reach him on What's App 👇
【±¹³²¹²⁹⁰¹¹⁶²】
I am doing SIP from 2021 and my return is green.
This is based on the condition that timing will be favorable which is not always true... Time in the market is more important than timing the market
छानच.. SIP मध्ये जास्त रुचि होती पण Lumpsumचे फायदे समजले आज.. आभार 🙏
Thanks for the support👍▪︎------
Don't forget to hit the subscribe button and get on our Telegram:•@financialhelpdesk
☆☆♧▪︎For support and guidance☆☆...🥰🙂
Naive doubt - when should we exit long term SIP ?
Lets say if we invest SIP for 5 years and got a huge profit , should we reap the profit even though we dont have need for money ? Doubt is - if we continue SIP for another 2 years and if market crash , doesnt it erase all huge profit earned ?
I have the same question
Sip profit will avg with loss.
Don't need the money....or even if you need it, do consider the tax outflow. Even sale proceeds of mutual fund units are taxable. My suggestion would be 15 percent minimum return compounded per annum. If you are getting more than that, cash out some ..your initial investment... let the profit remain.
Aise hi TH-cam se yahan wahan se inspire ho kar I invested some amount from my pocket money when market crashed previous year and now I am getting 1200% returns , it's kinda unbelievable for me😂😂
Who inspires when market is low? Everybody has fear.. let me know when market is high all are inspired
I just love your expression ♥️♥️♥️ and at the same time very very informative.. thanks for guiding us 🙏
Me also
What's the optimal duration that we need to consider while identifying whether the market is bullish or bearish? 3 years? 5 years?
And what about the benchmark to consider while identifying the market? What sort of index?
Appreciate your patience, efforts and analogies to better understand the various investment strategies. Would be of great help if you could share few fundamentally and technically strong list of stocks to invest in SIP mode for the next 5-6 years. 🙏
सरळ, सोप्पी आणि खुप छान माहिती...
Good one as always,
While watching this video I got a thought "SIP for SIP"
SIP : Systematic investment plan
SIP : Small Income People 👍
Let me know about this new defination in next coming video 🙂
You r right sir
Very well said 👏
When you say Rachana Ranade.. Touched my heart.,
Absolutely superb. As a business man, as stated I get payment based on assignments. I have been looking for right answer to the approach to adopt but finally have got one. As I have investment horizon of 30 years. I put lumpsums as and when its convenient but seems like in long run it will match the sip reruns.
u better meet a financial advisor and invest through him, sip or lumpsum is another part which u dont hav to worry about
Love your voice, and your vibe. Its so calm and composed. Thanks for all the tips
started my investment journey this month. loving it.
This was good lesson of discipline to like your videos and than watch. You have marketing skills. That's right it must be everyone.
Yes I have started in SIP from last 26 months for an amount of 6k and gradually increase the investment amount.
Being an middle class family lump sum is not possible right now for me. But investment is important for me
Where did you invested I mean through online means which app
@@pranush27 I have started investment with the advice of my financial adviser. And I am not using any App for investing. Amount get deducted on the date i have specified.
Yes mam I investment lumpsum amount in jan 20 after that market crash due to corona virus
I suffered big loss in lumpsum amount but I am now happy with investment now in green
Madam,now i am in my college, from my childhood i had saved 30k rupees and i get a pocket money of 1000 per month. So,i am deciding to invest my 30k as a lumpsum for 40 years and a sip of 500 rs also for 40 years. Madam,is it a good planning for my investments ? Please reply me. My parents are strictly going against my investment planning. But if you agree with my planning. It will give me a little hope
What's your age?
@@yashmalve6601 18+
I'm doing SIP since 8 months madam ...hatsoff to your class
Lumpsum during market corrections , and sip in normal days
Madam your teaching style is really professional , thank you.
I love the way you make your videos ! Creativity at its best !
This is wrong ma'am. Suddenly you are coming and eating gulab jamun, i got cravings too for it and we don't have it at home now.
Superb lecture once again❤️
Can you make a video which will help senior citizens to understand these concepts, if possible in Marathi? Many times middle class pensioners have ability to invest but can’t do investments due to lack of knowledge.
When I pause video to like it's already liked what should I do unlike I am confuse plz help.
🥰🥰
Very good information. However, charts are hazy, and not clearly visible. Kindly take care of such issues in future.
I and my family will forever appreciate you. You've changed my life I'll continue to preach about your name for the world to hear. You've saved me from a huge financial debt with just little investment! Matilda Harvey is the best.🇺🇸
In what way it is helped you?
After experiencing stock market and seeing so much analysis here, I think the only money you can invest in share market is the money which you will never need. Think about it.
going to a SIP now....thank u mam...
May be lumsum is better but having 6L at once is a dream for us mam...SIP of few thousands is much better even if it gives lesser returns then lumsum...
Yess agreed 👍👍
Mera 4 equity mutual funds main SIP chal raha hain Target is 10-15 years
Absolutely right. If you are salary people than invest through sip in mutual fund but you are business man than invest through lumpsum amount in mutual funds is better one. Thanks for explain sip vs lumpsum in easy and simple way. Thanks a billion.
Hello what is the best way to get started with bitcoin investment or Forex trade cos I have been making my personal research for a while now
That is true you need an expert broker an account manager to make good profit from bitcoin trade
How can someone know a professional account manager at least trustworthy when legit ones are hard to find these days
+14
09
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You are Brilliant .. But the million dollar puzzle is how to find if it is a falling market or raising market ?? For Example, Now is it a falling market or raising market ??
Hello newbies
@Kelvin Sanchez That’s true most people today have been having alot of failure in forex and crypto sector because of poor orientation and bad experts
Please I need someone to help me trade or invest the forex or crypto market because I’m tired of trading in losses myself. I’ve blown my account twice and it’s frustrating…
thank you all for watching the video
@@nataliejanet533 is she working with you together?
@@James-xl7qs yes she is our director,
I always invest LUMSUMP,,,,,When market is fallen and NAV is lower,,,,
Every three years my money doubles,,,,,
I have been doing from last 10 years,,,,
I choose the right days when market is fallen and i invest LUMSUMP 3 to 6 times a year,,,,,
Do you invest in one mutual fund only? How do you decide where to invest and when market is at lowest? What are your thoughts on current market conditions? Is it the right time for lumsum investment?
@@aileen8492 wait for sometime,,,, let the market fall for atleast 3 percent
@@jasvirflipkart3425 Thanks. do you add lum sump amount to your already ongoing SIP?
@@aileen8492 same portfolio number,,,,
No SIP Only Lumpsum,,,,
I invest more in same Lumpsum portfolio number
And direct plans
Last week, Warren Buffett talked in BBC news about how investors and traders can make millions through Crypto. He also recommended an expert Mrs Betty Harris. Wondering if any viewers here are familiar with her services?
All good investors are conversant with expert Mrs Betty Harris. She's unique in the field just got to keep her instructions and you excel
Expert Mrs Betty Harris have an intellectual strategy that cut down losses. I have the best investment with the aid of Mrs Betty Harris . She's friendly and have easy to get along with in terms of signals and investing tips
I thought I was the only one trading with Mrs Betty Harris, she's amazing and I've made close to $20,000 trading with her this month .
Her management team is so impressive so far.... With my 4k deposit I made a profit of over $28,800 US dollars
Expert Mrs Betty Harris has aided so many newbies including myself. I've 12wins from forex trade with her help. Thanks to her strategies, she's really the best. I've made $16,400 in 18days working with her
Very effective teaching style.
Why someone will be invested for 4 years even when the fund is falling 🤷🏻♂️
your explanation is very clear.
Thank you dear.
Mam, i have one question. I thought i am going to invest in SIP on a daily. Can it's a good option rather than investing only one date. Which is better ???
SIP on monthly basis is better.
Monthly is better option ....
Monthly
Aap kitna sundar gate ho ..
Apko 1 singing at last me moral story ki tarah uploaded karna chahiye..
I have been following your presentations for some time now and like those. In your recent presentation on SIP, it would have been better if you have also covered SWP and systematic switch plans (from one MF scheme to other one). To my mind switch plans may not be too advantageous while SWP would be reverse of what you have presented. I would also appreciate if you (if not covered already) would talk about the stocks of companies like Avenue Supermarket, which will rise in market but would not declare any dividends. Keep up the good work you are doing
Namaskar , am 72 years a senior citizen , pls suggest for me , which is best sip or lumpsum and which company pls tell me that as well...since am not aware of anything .
We just have FD but thinking of something new ..
Rachana mam you are doing very good job
Keep it up.
All the best 🙏
Hi , this was a very informative video. Can you also please extend this and explain how will tax be applied, If I go for an SIP?
Also, how can we save tax, through tax harvesting, if we do an SIP in say Index Mutual Fund (Nifty)?
Thank you.
Invest in tax saver mutual funds. You will get option in groww app where you can select any tax saver mutual fund as u like and can do sip or a lumpson amount
@@dineshmali5193 Yes, I looked into a few of them, many have quite high expense ratios.
Also, can we do tax harvesting if we opt for it? It has a 3 year lock in period right? I dint quite understand that.
@@nikhilbhat8443---> th-cam.com/video/t_y0kNP-apY/w-d-xo.html
You are also a born singer.......Amazing woman with super talents......🙏🙏😘
I recommended a professional broker to you guys sometime ago, can I get person who invested with her comment below let's go oooo
Hey yes.
I did invested with her I made huge profit thanks for recommending her
I saw that recommendations but I did not bother chatting her up🤦🤦🤦🤦
Who made profit for you I'm really looking for a pro who can manage my account and make huge profits
I'm glad I did with draw my first prophet two days ago now I have another ongoing trade with her
Who is this professional broker and how would I be able to get in contact with her
Your videos are equally entertaining as they are informative. Please sing more often if you don't mind. You sound lovely.
Hello mam, I think SIP + Lumpsum top-up can be also provide good returns.
Every single concept and explanation was great....But icing on the cake was your 5 sec song ..really mam very nice voice you have...like to hear one full song from you apart investing 😊
Yes mam, i started my investment from 2017 in equity market and before that i used to invest in rd and fd. I have accumulated 6lakh amount in 2017 and i invested the whole amount in 2017 and also started sip of 9000 on the same year during june. I monthly income is 16000 and my monthly expense is 5000. Right now my current valuation is 22 lakh. Am I efficient in investing? Do I need to be more efficient regarding investment? From last year my monthly income has gone down to 12000 due to corona but i haven't skipped any sip, i am still investing 9000 per month. Please do suggest me if I can optimise my investment.
Whats your age?
@@vipulrane2902 Sir my age is 36 and I did 4years of job from 2013 to 2017 and after that i resigned the job. Then i started teaching school students at my home. This is my only source of income.
You really did great in Investing I haven't even reached 4 lacs yet I will definitely take risk now can you help me with Mutual fund scheme you are currently investing in?
@@vipulrane2902 sundaram small cap and midcap and aditya birla front line equity and uti nifty 50 and the last hdfc low duration. In a manner 2000 , 2000, 2000 , 2000 and 1000 respectively
Great, your profit should be 10 lakh by now
i have done both SIP and lumpsum. SIP in equity MF and Lumpsum in direct buying stocks. It gives me feel of safety with a good returns.
in SIP we invest every month. But for Lumpsum do we invest just once or like SIP we need to invest again in another specific time?