Which mutual fund is best for you? | Money Psychology

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  • čas přidán 28. 05. 2024
  • Most investors pick regular funds & this mistake while investing can cut down their returns by A LOT!
    So how do you know if you should go for direct funds? Watch this video & find out which investing route will be best for you.
    PS - The entire team reads our comment section and we love your reactions, keep em coming!
    - The girl hiding in the backseat
    0:00 - Let's begin
    1:12 - Regular Funds Vs Direct Funds
    2:48 - What is an expense ratio?
    4:47 - Does a higher expense ratio really matter?
    9:20 - Tax implications of switching from regular to direct mutual funds
    10:42 - What is an exit load?
    12:52 - Bloopers!

Komentáře • 144

  • @manthan6814
    @manthan6814 Před 14 dny +50

    The car driving was unnecessary, please stay safe, need to protect you guys ❤

    • @Santhu99
      @Santhu99 Před 11 dny +4

      They shoot those shots on empty roads 😊

  • @08pkz
    @08pkz Před 14 dny +35

    no one has ever taught maths like you did! I would have topped maths exam if exponential were taught like this! 😢
    Also great way to educate us about direct vs regular! Thank you ❤

  • @arjunchandra4464
    @arjunchandra4464 Před 14 dny +9

    An episode on Passive (index) vs active investing please. I want to show that to my father, and hopefully he understands then.

  • @aniganguly
    @aniganguly Před 14 dny +16

    Please do a video on ETFs and may be Segway into small case (all weather investing) as well.

  • @SaptarshiRoySRoyPC
    @SaptarshiRoySRoyPC Před 14 dny +43

    Distracted driving = Danger to others.

  • @sahilgadekar6406
    @sahilgadekar6406 Před 14 dny +7

    Sir , please make a series of how to pick mutual funds and try to explain using various websites like moneycontrol etc, as it shows the expense ratio, alpha , beta etc.

  • @icyhawt2854
    @icyhawt2854 Před 16 hodinami

    Thanks guys, as a 20 yr old these videos are really helpful to gain knowledge about these things that I will be encountering in the near future, and that too in a fun non boring way, please keep making more videos

  • @adityakantha2591
    @adityakantha2591 Před 14 dny +13

    Silent sponsor-MG

  • @d4devotion
    @d4devotion Před 13 dny +3

    I am actual enjoying this, I am sure you guys would love what you are doing, it is rare that you get what you love to do.

  • @aviiralmukherjee
    @aviiralmukherjee Před 13 dny +2

    Yes, we want a video on Index funds too...I want to learn more on them & how are they actually different from mutual funds.

  • @karuppusamyc
    @karuppusamyc Před 14 dny +4

    Thanks for the information about regular vs direct, yes i am looking to know about index fund, waiting for your video on this , thanks 🙏

  • @nithink4354
    @nithink4354 Před 14 dny +3

    I met all 3 of you at Zero1 Fest. Amazing people!!

  • @notabibliophile1518
    @notabibliophile1518 Před hodinou

    Nice information. Much useful!

  • @mrasquaretech
    @mrasquaretech Před 8 dny +1

    Great explanation, the motion graphics is always on point. ❤

  • @ashraf_isb
    @ashraf_isb Před 13 dny

    good job guys! team! thanks for this!

  • @pavanshanmukha
    @pavanshanmukha Před 14 dny +2

    Great way to educate people in such way! Appreciate your hardwork in creating such superb content. Thanks Zerodha team.

  • @ramachandragodkhindi8356

    You can transfer from one plan to another plan through STP(Systematic transfer plan) if there is short term capital gain 15% tax and held more than one year and capital gain is more than 1 lakh then 1 lakh is exempted and remaining is taxed at 10 % and for debt funds stp done within 3 years is taxed at income tax slab and stp after 3 year would be taxed at 20 % with indexation benefit.

  • @emperor6163
    @emperor6163 Před 14 dny +47

    if you think you can't keep track of where and why you are investing , just go with regular funds. Instead of losing it all ,sometimes its best left to experts .

    • @lakshmitejas1685
      @lakshmitejas1685 Před 14 dny +7

      That's what he told if you are doing diy then why regular 😂

    • @rohansinghsahu5770
      @rohansinghsahu5770 Před 14 dny

      You just need to select one large cap, one mid cap, one flexi cap and one small cap fund.
      Just invest 30℅ of your savings in large, 30℅ in flexi, 25℅ in mid cap and 15% in small cap, if you don't want to take high risk, and you are a safe investor considering the fact that you don't have time to research.
      Do the SIP your money will be auto deducted.
      You just need to watch 4-5 videos of any sebi registered finfluencer to select mutual funds. Then after you have selected the AMCs don't change them and invest for long term.
      Regular funds made sense in past since we didn't have any online broker apps like groww and all and no youtubers who could guide you so people simply just invest their money through regular MFs.

    • @vyas_
      @vyas_ Před 14 dny

      Don't talk shit from your fake account man. Have some basic decency.

    • @erenjager6221
      @erenjager6221 Před 14 dny

      Mutual Funds are literally for when you don't know which stocks/debts you should invest in. Making another layer on top of them as to which mutual funds to select is just stupid and scammy. I'd rather give my money to the guy who's actually stock picking rather than the guy who has no clue how the mutual fund might perform and just picks it based on which one gives him the best returns. MFDs are scamsters and they know it as well, adding no value at all, and they are just an archaic left-over job from the early days when investing in Mutual Funds wasn't easy.

    • @viewthis4161
      @viewthis4161 Před 11 dny

      I think you might be from mutual fund distributior

  • @parthodave123
    @parthodave123 Před dnem

    Subscribed. Awesome videos.

  • @unlockyourfinance
    @unlockyourfinance Před 13 dny +2

    0.4% compounded over many years is a lot, I agree, but the argument is only valid if the expert and a DIY investor picks the same fund or similar performing fund. There are multiple regular funds which has performed much better than direct funds, expense ratio isn't the only thing that matters. These finfluencers are promoting direct funds for a very simple reason, they want more transactions from their platform which in turn will profit them!!
    These investors feel they are saving a lot by saving on expense ratio but hardly anyone has the right portfolio and think MFDs as scamsters. Well, let's see after 30 years who has compounded better, the DIY investor doing in direct funds or an investor trusting an expert.

    • @potbot887
      @potbot887 Před 8 dny

      and higher expense ratio is justified if the fund beats the index fund by that same difference in expense ratio.

    • @unlockyourfinance
      @unlockyourfinance Před 6 dny

      @@potbot887 Absolutely, not just index, more often than not it will beat category average! Also a good Mfd will save a lot of taxes on capital gains with smart planning!

  • @saisudheermittapalli574

    Best way to explain all these stuff..😊👏👏

  • @EliudM.
    @EliudM. Před 14 dny +1

    Yes sir - Index fund , also on ETF

  • @SatishchandraSalam
    @SatishchandraSalam Před 14 dny +10

    0:40 "yaha pe bhi"😂😂

  • @DebasmitBiswal
    @DebasmitBiswal Před 14 dny

    Learning Finance have being funnier and interesting. What a cool way of teaching exponential . Thanks to the team!!!

  • @ronaldrouth9651
    @ronaldrouth9651 Před 11 dny

    Do the index fund!! Excited to learn so much..❤️👍💯

  • @ekamwalia5757
    @ekamwalia5757 Před 14 dny

    Great video, thank you for making it! This video comes at a good time because I am currently looking into moving some MFs around and this answers some questions I was trying to answer. Would love to see a similar video on how to go about rebalancing MF portfolios over time. Also, +1 on index funds pretty please.

  • @deepakkurdekar.7999
    @deepakkurdekar.7999 Před 14 dny +1

    Very Insightful 👌🏻👏🏻

  • @aadityagupta250
    @aadityagupta250 Před 14 dny +8

    I'm a simple man. I see Abhishek in the thumbnail, I watch the whole video.

  • @Lamp141
    @Lamp141 Před 9 dny +1

    2 is to power is just timepass. Make it simple and short guys. Wo agent/broker kya sochega aap ke baareme 😂

  • @swapniljadhav5249
    @swapniljadhav5249 Před 7 dny

    Amazing video!!
    Also yess please make a video on index funds

  • @shriloo
    @shriloo Před 14 dny

    Yes. Please do index funds video

  • @JammUtkarsh
    @JammUtkarsh Před 14 dny

    ELSS Fund is something I am looking forward to!!!!!

  • @nageshreddy769
    @nageshreddy769 Před 14 dny

    please do video on index funds and help us factors which should be considered while choosing index funds👌

  • @madking3
    @madking3 Před 14 dny +1

    Which mutial fund gives 19% rpa - Invest even it gives 18.45 percent flat return after tax cuts and everything for straight 6 years.

  • @Ranodeepsen
    @Ranodeepsen Před 5 dny

    Lot of drama could have been avoided 😅. Conceptually good 👍

  • @Kukugmhg651
    @Kukugmhg651 Před 13 dny +1

    Good topic presented in interesting manner😅😅

  • @prathapsm6203
    @prathapsm6203 Před 5 dny

    Do some statistics about the redemption frequency in direct and regular. You will see more and more redemption in Direct, especially during market fall, as they know nothing about it. Do not lose 5 rupees by thinking about one rupee.
    If you have full knowledge GO WITH DIRECT,. if not DON'T DIY. You will lose a lot

  • @dr.catcuddler194
    @dr.catcuddler194 Před 9 dny

    Want an episode on Index Funds too! Thank you

  • @parthodave123
    @parthodave123 Před dnem

    Make a video on Should wr buy Direct mutual fund or Regular Mutual fund

  • @dineshkumarshera9838
    @dineshkumarshera9838 Před 10 dny

    One video on index fund vs other mutual funds please!! 🙏

  • @drtsrk
    @drtsrk Před 11 dny

    Please do an episode on index funds too. Thanks.

  • @hritiksharma4944
    @hritiksharma4944 Před 14 dny +2

    Please make video on Index funds

  • @botany143
    @botany143 Před 14 dny

    Driving and recording dangerous to abhi..😂.. Good info❤️

  • @tanmaymjyot
    @tanmaymjyot Před 12 dny

    Kindly do a video on Index funds and how can we use that to build post retirement system like a monthly withdrawal post X years.

  • @charanteja2261
    @charanteja2261 Před 14 dny

    Hi could you do a Tax Harvest episode, because there are so many varieties of explanation to do it.
    Let us know which is the better way for Tax Harvest in this unpredictable market in stocks and mutual funds

  • @nitinkamath.A
    @nitinkamath.A Před 14 dny

    Great ❤ very nice ...do a index fund.....detailed ..vedio.

  • @ravindersingh1969
    @ravindersingh1969 Před 14 dny

    Yes plz do an episode on index fund; are they worth it ; Basant Maheshwari says they aren't good

  • @nitinsingh81
    @nitinsingh81 Před 4 dny

    a fund which tracks nifty or sensex, will still be a mutual index fund right? Just that the proportion and choice of stocks is decided by index and hence trivial money management and rhus the low fees

  • @shivanigoyal8640
    @shivanigoyal8640 Před 14 dny

    Love your content.

  • @raghuhr112
    @raghuhr112 Před 13 dny

    Make a video on index fund as well

  • @illuminati2101
    @illuminati2101 Před 13 dny

    3:22 YZ flexi cap 😂😂😂😂😂

  • @hindiisonlyalanguagenotkno913

    Thanks for making videos in English. Almost every CZcams channel on the Indian side is in Hindi/Hinglish. The ones which aren't are in Tamil, Telugu, Malayalam etc. Hindi vaalas STILL try to come onto minority English channels and try turning them into Hindi/Hinglish ones. There could be 99 Hindi videos, but they'll come onto the one video which is in English and say "Hindi me bolo".

  • @4335sanjay
    @4335sanjay Před 14 dny

    Please do the video on mutual fund and etf please 🙏

  • @nikondian
    @nikondian Před 14 dny +1

    what if we stop the sip and keep the money there, and start new sip in direct fund? is it ok?

  • @Vigneshviru
    @Vigneshviru Před 10 dny

    How does capital gain tax harvesting work on mutual funds, and does it affect my compounding? Additionally, if I sell all my units and buy after T+1 days, it will be a fresh investment. How does compounding work in this scenario?

  • @saieaswertej
    @saieaswertej Před 14 dny

    In some application they give option to switch from regular to direct without selling it. In sbi mutual fund app investap application it is possible to switch.

  • @user-ho9vk4fo9j
    @user-ho9vk4fo9j Před 14 dny +1

    Pls make a video on debt funds for various scenarios.. its much complicated than equity

    • @sc7783
      @sc7783 Před 14 dny +1

      There is a video by Kirtan Shah... watch it, it's a very clear depiction

  • @akramka8100
    @akramka8100 Před 11 dny

    Make a video for beginner’s which fund is better explain the differences plz

  • @vijayritanshu
    @vijayritanshu Před 14 dny

    Hii guys, can you please make a video on how to select a good mutual fund ?

  • @ZEROKOOL
    @ZEROKOOL Před 14 dny

    I invested in a regular fund six years ago, which is still running.
    What is the drawback if I switch and do not switch? My horizon is 15 years in the same fund.
    Should I switch the same fund with direct or another new NFO or some index MF?

  • @ashwinbalaji3889
    @ashwinbalaji3889 Před 5 dny

    Can you do in ULIPs?

  • @akashak666
    @akashak666 Před 14 dny +1

    Hello zero1 team,
    Need a solution to my query, kindly answer it.
    I had invested in a ULIP back in 2019 with a payment term of 5years and investment term of 10 years, now i have completed my payment term of 5 years as i can see the returns are way too less of arount 6% CAGR in this bull run. So pl help me decide should i stay invested in this ULIP till the maturity term i e, another 5 years or should i giveup my policy and encash it. SIP amount was 6k per month. Thank you in advance 🎉🎉❤

  • @zaheenshaikh6921
    @zaheenshaikh6921 Před 13 dny

    The efforts Abhishek has to put to show he is a noob. Mind blowing.

  • @kissekahaniorshivam
    @kissekahaniorshivam Před 14 dny

    you can make series out of it

  • @blu-5500
    @blu-5500 Před 6 dny

    Redeem or Switch ?
    Which is better way to change to direct fund ?
    plz help

  • @hrishimishra8772
    @hrishimishra8772 Před 14 dny +2

    Hum first hum first 🏃🏃💝

  • @mxhxsh
    @mxhxsh Před 8 dny

    Huge doubt. How does compounding work in MF and stocks? I've seen many videos but no one has given a satisfactory answer

  • @krishdhoundiyal
    @krishdhoundiyal Před 14 dny

    Up for index fund

  • @pawanvasudevan6321
    @pawanvasudevan6321 Před 14 dny

    Pls make video on index fund

  • @balakrishnaprasad4729
    @balakrishnaprasad4729 Před 14 dny

    wouldn't the tax be nullified as we are moving the long term capital gains money back to a long term asset?

  • @srinathreddy2032
    @srinathreddy2032 Před 14 dny

    Please explain abt tax in mutual funds

  • @nitinsingh81
    @nitinsingh81 Před 4 dny

    within same fund house, isn't there no transfer charge?

  • @praveendeshpande8246
    @praveendeshpande8246 Před 14 dny

    My question -
    Will I earn a bigger return if I redeem my investment each year and reinvest for one year? Do the same in five years. Compared to five-year earnings on a one-time investment.
    Plz clarify

  • @tuhin1264
    @tuhin1264 Před 14 dny +2

    Health insurance and Car insurance hei na ???

  • @50karanbebale81
    @50karanbebale81 Před 10 dny

    Hii sir help me
    I don't know how do I make and maintain a Excel sheet how to make a entry can make a small tutorial for it
    You showed us how to reduce expense but now please tell us how to record our expenses or just reply in comments thank you zero 1 for your efforts we appreciate and love you guys for your unconditional help that you guys provide us thank you

  • @arashde01
    @arashde01 Před 14 dny

    Do index funds 😊😊

  • @debabratamahato8590
    @debabratamahato8590 Před 14 dny

    Is there any future plan to bring full service broking for Zerodha customers!

  • @hruthiksaisomasunder6761

    Tell us regarding index fund

  • @themillionairetrader8232

    nice

  • @chaturvediclassesagra
    @chaturvediclassesagra Před 14 dny

    Sir ₹500 ki sip kaun se Broker se kar sakte hai?

  • @sauravsanjel2977
    @sauravsanjel2977 Před 14 dny +1

    Dropping bigger then universe scale then saying 13 billion light years still fare comparison than Pluto.

  • @ashishjain1627
    @ashishjain1627 Před 14 dny

    We invest through wealth plenitude, apparently i got full redemption, without any commission, exit load or expense ratio. I guess these are regular funds, I'm not able to decode that. Will zerodha help me?

  • @thedood5665
    @thedood5665 Před 12 dny

    Index fund vs index ETF

  • @bhargavb7065
    @bhargavb7065 Před 14 dny +1

    -Comedians- CAs in Cars Getting Coffee

  • @sameeh.
    @sameeh. Před 14 dny +1

    Like this commemt
    If u want salary hike for abhishek
    12:15 👊

  • @Odia_bhaina
    @Odia_bhaina Před 14 dny

    Better to pause sip in one fund and start anther fund entirely

  • @manohar0075
    @manohar0075 Před 14 dny +2

    I am confused about investing in quant flexi cap or should I invest split of nifty100, quant Small cap mutual fund, individual stocks like praj, shivalik bimetallic, Bharat forge. Which is better

    • @pooh6546
      @pooh6546 Před 14 hodinami

      Invest in nifty 50 etf and forget everything, you'll thank me later

  • @jacobvarghese-st9hs
    @jacobvarghese-st9hs Před 14 dny +1

    Differences between Direct,Regular,Active and Passive Funds ?

  • @hareeshkumar7248
    @hareeshkumar7248 Před 14 dny

    Index funds

  • @vishal7203
    @vishal7203 Před 14 dny

    Index fund

  • @abhishekkaushik2005
    @abhishekkaushik2005 Před 2 dny

    index funds required sir

  • @tommysaan4875
    @tommysaan4875 Před 11 dny

    Index fund 👍

  • @Archaeopteryx92
    @Archaeopteryx92 Před 14 dny +1

    Driving an MG (excellent mileage XD) and worried about 1% :P

    • @nammanimma9407
      @nammanimma9407 Před 14 dny

      why not buy a direct mg ... where it is cheaper ... :P

  • @thepratikkulkarni3088
    @thepratikkulkarni3088 Před 13 dny

    ETFs?

  • @user-ry8gb6ou9t
    @user-ry8gb6ou9t Před 13 dny

    Car konsi hai.. Mast lag rhi

  • @harshithv8160
    @harshithv8160 Před 5 dny

    WHICH CAR IS IT

  • @nishakochar7327
    @nishakochar7327 Před 14 dny

    The content is very basic, you could have covered this in short also.
    Also, I doubt if the calculation of direct vs regular funds is correct?
    I calculated it, the figures are wrong. Can you guys recheck?

  • @divyanshsh
    @divyanshsh Před 7 dny

    Ye channel, 'Hindi' may bhi kariye please

  • @thepredatorsofindia9075

    Index fund..

  • @cenacr007
    @cenacr007 Před 14 dny