Mutual Fund Portfolio - Building Portfolio to Make 1 Crore in 5yrs, Mutual Fund Portfolio Allocation
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- čas přidán 1. 06. 2024
- Mutual Fund Portfolio - Building Portfolio in 5 Steps to Make 1 Crore in 5yrs, Mutual Fund Allocation, mutual funds, 2024, mutual fund investment
#mutualfundportfolio #mutualfundallocation #howtobuildmutualfundprotofolio #mutualfunds #bestmutualfundsfor2024 #mutualfundinvestment #mutualfundsforbeginners
This video shows my 5 simple steps of how to build mutual fund portfolio and mutual fund allocation. This video also shows taking an example that how 1 crore mutual fund portfolio can be achieved in both 5 yrs or 10yrs.
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I am not SEBI Registered financial advisor. The content provided on this channel is for educational and entertainment purpose only and should not be taken as any financial or investment advice. "Shrija Saha" is neither responsible nor liable for any losses resulting from direct or indirect use of such information. Kindly seek advice from your financial advisor before investing. Mutual Funds, ETFs and Stocks are subject to Market Risk which may not be suitable for all investors. User discretion advised. Some of the links posted in the description or comments might be affiliate links.
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total invested amount = 74.26 lakh , sip amount = 1 lakh per month, surely this video not for middle class 😂
This is only for youtuber
True 😅
69,70,172 would be the amount for 10 years and 30000 per month investment. Lets not make people fool here with thumbnails 😂😂
She mentioned it with 10% step up. In that case it will be 1Cr.
@@tomsonks thanks, at least someone is listening to the video properly.
@@Shrija even with a step up 10% increase the end valuation reached 1Cr and not 5Cr, perfect example of clickbait video
@@OlaS1AirUser 1cr hi likha hai not 5
Did you know that CAGR calculation is not meant to be used for SIP? If you're planning to invest a lump sum, then CAGR can be useful. However, for SIP, XIRR is the right tool to use. So, if you want to make the most out of your investments, make sure to choose the right tool for the job.
Very nicely worked on it….Impressive as always🎉
best mutual fund protfolio video i have ever came across.
you are too kind. Thanks
@boosan
Thanks. The model portfolio allocation shown is of help.
glad you liked it 😊
Which site you are using for rolling return? good practical video
Amazing content! I was waiting for your video on mutual fund portfolio, thank you so much.
oh great.. thanks
Good content , allocation strategy is easy to understand and allocation is done as per Goal and time period ✔️💯
Hooo very good explanation, I ever seen like this brief explanation in small video.
Thanks you..
I am waiting for you more videos and ideas…
Glad to know you liked my content, thanks 🙏
For monthly SIP of 1 Lakh income should be minimum 3-4 lakh monthly atleast.
No, if you earn 2.5 lakhs per month with no loans then it's possible considering your monthly expenses are less than a 1 lakh.
My salary is not even 2 lakhs but my SIP is 1 lakh
No I don't cheap out on basics..
But yes I don't live a luxurious life.
And this is after renting in The most expensive city , Mumbai..
Delayed gratification ftw
@@sanketnegi1 thats because you might be bachelor,I talking about a man with spouse and a single kid
Thank you
Very good explanation.
Very nice explanation
U keep it in simple way and agter saw lots of videos ur video explained very well thankyou and keep it up 😊
Thanks your kind words motivate me to work harder to bring quality content ☺️
Subscribe korlam... Knowledgeable information
Good information medam
Thank you
Thank you 😊
Very nice.
Which calculator is that?
I'm favoured, $60K every week! I can now
give back to the locals in my community and
also support God's work and the church. God
bless America
Now this is called a value-generating video. Thanks for this knowledge and please keep on sharing. May you keep growing!
Thanks a lot ☺️ ! I will 👍🏻
How can one start a monthly SIP of 100000 rupees if he/she is doing a job, if someone earns more than 1 lakh, then it might be possible. In India, most people earn less than 1 lakh and they have other expenditures as well. Please try to make practical videos not imaginative ones. It will also help you get more subscribers as well.
She mentioned the goal of buying a house for 1.5cr.
This is only for youtuber
You are really great clear explanation thanks you
Thank you 🙏
How about Fund Name as example? We do know it will be just an suggestion but still it will be great help.But amazing and fantastic content Keep it up. looking for some more video. Best 2 or 3 fund in Midcap/Small cap/flexi/large Cap wise.Same like you did for ELSS.
Thank you🙏 so much madam
Good to know u liked it
@@Shrija
Madam i am mcom pursing student below average student from vizag i want besk job from stock market📈 like writing record s is any course in stock market I can learn please🙏🙏 advice
Very informative and unbiased analysis shrizaji..salute to you dedication 👍👍💥💛
So nice of you ☺️ thanks
Crisp and clear explaination.
thank you
In India 90% of ppl earn less than 30000 a month .. this is not practical
Great job 👍
Thanks 😊😊
Awesome content
Thank you so much ☺️
I just love your content Maa'm. Your are explaining things in a better way. Please do more videos like this.
And also if possible do some basic videos like how to choose good platform for investing and selecting MF's, demonstrating how to split those MF's in the platform.
Thank you dear ☺️.. sure will keep in mind.
Awesome 💯
Mam
Thanks a lot 😊
Shrija Great video. My only slight disconnect is on the number of MF that you suggested. 7 equity funds may be too many and hence we run the risk of diluting our returns. I think we should restrict our MF PF to no more than 4 or 5.
dear in this video i made investment in debt/bond and gold also through mutual funds so in my opinion 7-8 funds are okay if right allocation is done keeping in mind our goal. Its ok that your opinion differ, constructive criticism is always welcome.
Very nice Guidance.
Glad it was helpful!
Absolutely loving the videos of your channel. Thank you for increasing the frequency of your videos. This channel is so so underrated. Don't know why I am so drawn towards your content. Maybe it's your way of explaining OR Maybe its the fault of your sweet melodious voice 😅
haha.. glad to know you are liking my videos, thanks for all the appreciation and support it means a lot ☺️ Will try to upload videos frequently and present quality content 👍🏻
@@Shrija A humble suggestion for you Shrija. You should try to learn some CZcams skills to increase your reach. I'm not a CZcamsr but I'm sure there must be something for this. Just like we have SEO to increase the reach of a website. Your fantastic content coupled with some CZcams skills will indeed take your channel to new heights 📈. Anyways, Consistency is always the secret ingredient. Keep Going!
@@tushaar39 i agree thanks, i learnt little youtube seo on my own and i am working on it so will have to give it some time and see if its working
Good information
Thank you ☺️
Great video
Glad u liked it
@@Shrija u review my mutual fund portfolio
Quant small cap
Quant mid cap
Parag parikh flexi cap
Nd tell me also which portion of money put in funds plz thanxx in advance
but what is the guarantee of the fund which gave 20% return previous year will give 20% return in next year also.
hello dear i did not say that any fund will give 20% returns so its not clear what exactly are you asking
For long term mutual fund portfolio, only index fund is this a good idea?
well if someone is conservative investor then in equity exposure to only index fund is good
@Saha - aggressive manner portfolio - equity is risky asset , small cap scheme - if liquidity issue sebi 21 notice , redemption issue then what is ur action plan ..
See there is no set rule for building mutual fund portfolio, so opinions can differ its ok. I showed portfolio for moderate to high risk and for aggressive portfolio i would have either reduced exposure in large cap or increased equity allocation to 80% but again thats my opinion. About small caps, yes Sebi has directed AMCs to protect investors from market froth and liquidity issue but thats a current issue which is temporary and i showed portfolio allocation for 5 yrs. Anyway i also showed that in place of small cap one can opt for other options also.
Risk hai toh ishq hai !!!!
eta actually bhalo .
Nice Madam.Jai Maharashtra.
Jai Maharashtra 🙏 thank you
Why don’t you deliver your knowledge in Hindi? It’s easy to understand
Awaiting for your mutual fund portfolio video for high risk investors
👍🏻
What about expense ratio and other cost of all mutual funds....also most funds have overlapping 😢..so we are not diversifying actually
at the time of selecting mutual fund schemes, we have to make sure to select the ones with low expense ratio, minimum overlapping and consistent return performance over the benchmark index. For that may watch my videos on mutual funds of various categories to see how i select schemes step by step, it might help you in your research.
@@Shrija thanks for sharing .. anyways good video awareness for all 😊....Just 1 last question ( doubt ) 🤔..instead why can't we invest monthly in NiftyBees for longer term ? I think this would diversify our portfolio continuously in top 50 companies over the years for less expense and good returns ....
Kindly Make a video for investig in mutual funds in age 40-45 to make a 1 crore corpus in 5-7 yrs and also tell mf's you think is good for it. Thanks
did are u a ca or do some other work
Shrija...Just a small doubt...if i need to invest 1lakh monthly then i can just keep one index fund...that also will give 12% return...why to have such a diverse portfolio?
Hello dear, see this portfolio was created with the idea that it most likely would generate more than 12% (the average 5yr returns of each category can be checked for that).
But at the time of planning especially for a duration of upto 5yr we must never consider over 12% .. this ensures higher probability of goal achievement.. in-fact we may even hit the target corpus before 5yrs..
And secondly dear the main aim of the video was to teach the right approach of how to build mutual fund portfolio.
Shrija - can you also pls suggest what to do if you are sitting on a large sum of money in debt funds and you want to invest for next 10 years. How should we go about investing/moving that money from debt fund to equity given that the market is an all time high? Thanks in advance
shift some allocation in hybrid funds where the fund manager himself allocates in equity and debt as per market conditions
Systematic transfer plan
In CZcams you will find only hope, no one is teaching how to became a real rich. I mean If you want to become a rich, first you have to earn more, more and more money, but sadly no one teaching how to make lots of money. Doing only sip is not sufficient you will only get hope.
Simply using SIP calculator to calculate 1 crore . Every one knows
Please make a video on best debt fund too, it seems easy to achieve good plan, but step up is muskil.
sure dear.. thanks for suggestion
This video made me realize i am gareeb :/
What is Momentum investing style?
Quant mutual funds use that strategy....
Well explained!! Thanks for not using Hindi while explaining… Pls do videos only in English.. So we like ppl well understand .. Cheers
really considered your suggestion and making videos in english, hoping it would help wider group of people.
Thanks , you will grow faster now.
Hi mam pls make a video on multi asset and dividend yield fund..
🎉😊
Ok will put it in my topic list. Thanks for suggesting.
Suggest reasonable and achievable things, when you make a thumbnail it should match with the content.
Shrija asp ki photo dekh Kar mei aap ka video dekh raha hoon photo mei bahut smart dekh rahi hein aap
❤
😍
How's hdfc mid cap opportunity for 20 years
No small cap for long tenure
@@rakeshdeore6221 means?
Didi did you achieve your 1cr portfolio?
Shrija, i have heard many to have only 5-6 fund in portfolio.but i am having 51 funds in portfolio and enjoying a massive return of 38%. in 1 year. When bear phase come, i will take all my money back and start investing in parts.i usually chase momentum funds and till now i had got good returns.
How much is your investment?
Good luck paying taxes on all of them
Dear 51 funds is way too much, even i wouldn’t invest in 51 individual stocks in my portfolio. Dear it may have worked for u since last 1 year but in last 1 yr market has given really good returns, nifty is almost all time high so your 1 yr returns could be deceiving. Also there are other issue like u might be paying exit load of around 1% if u r selling the funds in short term. And dear it’s difficult to time the market, you might not realise that bear market has started before u could sell. Plus its very difficult to monitor 51 funds. So 51 funds are too much in my opinion.
@@Shrijayou invest in mutual funds through which app
9:07 written as 2014
I have 26 years till retirement and target of 3 CR. I am investing 20k PM and would step up by 10%. My age is 34 so can i plan early retirement ? what kind of MFs are suggested.
Current portfolio:
Flexi Cap 22%
BlueChip 12%
Small cap 44%
Nifty50 Index 6%
Gold ETF 8%
Sir, please kindly do an overlap check of your Flexi, Bluechip and Nifty50 index. I think these 3 will have many stocks in common which leads to duplication.
1 lakh per means 12 lakh per annum sip i guess 99.9% of indian don’t have that much gdp per capita income 😂😮
Agar 1 lakh nippon small cap me anyone could have invested in last 5yrs..it gave 29℅ cage which comes 1,36,00,000/+ I checked on their official amc site only under sip calculator.. I agree not whole but our large chunk must be in small and mid if we want to build corpus with atleast minimum 10yrs time
So should i invest in Nippon small cap bro
@@sayantanghatak7504 we always should do large, mid and small cap allocation.. But we can't ignore small cap and if timeframe is more than 10 yrs then no issues at all
Nippon,quant, tata..3 are good@@sayantanghatak7504
Written as 2014
Pl. Suggest 2 mfs in each categories for 1 cr
videos on best mutual funds in each categories are coming up soon
Hi maam I came across your content. So I am 26 years old and my take home is roughly varies around 235k-250k every month after taxes. Apart from this I get a bonus of around 3.5 lakhs in a year and about 75000$ of company stocks vested for 4 years at current valuation. I can invest 200k every month. How should I divide my money between asset classes? I was following a youtuber for stock purchase but most of his recommendations have gone down significantly. How can I invest my money? I want to generate a cagr of 15%. Please recommend
Chai dukan khol de bhai zada maza returns aayega baat sunn meri
First you need to earn above 1.5 lakh p.m. to achieve this😂😂😂
50 lakhs hai loan and not 50 crores
Hello sister my age 30 daily 400 rs navi mutual funds nefty 50
First need to find a job to invest 1 lakh sip.....
I am a regular visitor to your CZcams channel and follow your advice. For creating 1CR portfolio in 5 years, I decided to invest in the following mutual fund SIPs. Can you please suggest if there is any changes in this? Thanks for your support 🙏
1. UTI nifty50 index fund - INR 25K monthly
2. Parag Parikh flexi cap fund - INR 20K monthly
3. Quant small cap fund - INR 5K monthly
4. SBI Contra fund - INR 25K monthly
5. SBI large and mid cap fund - INR 25K monthly.
Accn to me mirae assset large and midcap looks good as compared with SBI that have chosen….just do comparison between the 2 before investing….just a thought
10 lakh ko mutual fund mei 1 cr banne mei kitna time Lage ga
50 saal
My Mutual Fund Portfolio : czcams.com/video/MCn_tKZN8Qg/video.html
Please guide
You wrote 1L amount in monthly SIP and told its 10000,this is a huge mistake which misguides investor and they can’t generate money according to their expectations
I am unsubscribing you
Everyone listen to her. The only way for middle class to turn rich is equity. My only disagreement is to allocate at least invest 20% directly in stocks and not mutual funds. 80% mutual funds and 20% stocks.
Hello dear.. the main idea of the video was to show an approach of how to build mutual fund portfolio , so the allocations were done with the assumption that we are investing in all categories through mutual funds only. Otherwise of course we may consider investing in individual stocks as well.
0% in Mutual funds and 100% in equity. Mutual funds rob you with their expense ratio and high salary and bonuses of their employees. Every year you HV to pay 2% fees on your total corpus. Think again if you HV large portfolio and paying more than 2% in fees. Invest in good quality stocks for long term. Or invest in index ETFs or index mutual funds.
Mem pls.. hindi me samjaye hame pareshani hoti he
Down-payment 1 cr. I think we should only pay 20%.
it was just an example dear, planning to buy a house would need more work around
Hello madam, 1 small doubt, 1.1L sip for 5 years is 66L target 1 cr./ option 2, 50L lumpsum for 5 years to target 1cr. Which is better if both are possible for a person and where to invest. How to diversify, any extra advice from you apart from the video. I am regularly following. Please reply. I want to understand better.
srija, bhebhe dekho .bhul hocche
Ayi video te ami mutual fund portfolio ki kore build korte hoye sheta shikhanor cheshta korchi .. to apni shushu approach ta dekhun target ta na..
@@Shrija twittere ki achen apni
@@aritrabhattacharya1530 yes
@@Shrija wait follow korchi
@@Shrija follow korlam.. mf stick to index and flexi or multi .nothing else
I want to learn English please start English speaking language channel.
hello dear, for starting watch english videos with subtitles it helps a lot
Hindi
Sorry didn't help much
thanks for letting me know. Plz do share detailed feedback so that i improve on it next time
@@Shrija couldn't understand the final part..You mean finally that without investing 1lakh sip per month it is difficult to achieve 1 crore?
Understood the structure of Mutual Fund portfolio. Wasn't clear about the last part.
@@AKHIAKKU hmm so I couldn't convey the last part properly it seems. See what i really meant was.. for 1cr portfolio in 5yrs we ‘need’ moderate to high risk growth portfolio ‘at least ..!!’ which actually has the ‘potential’ to give returns ‘upto 15% or more’ but ..
at the time of planning we alwayss ‘must’ keep the return expection very reasonable so that we can reduce the chance of failure to achieve the target and thats why!! for planning sip i considered 12% returns.. according to which we arrive to 1L sip with step up. So that way we either hit 1cr earlier than 5yrs or we hit 1cr in 5yrs only.. the likeliness of not hitting 1Cr reduces. So yes it is very much possible to hit 1cr with less than 1L sip also.
@@Shrija Thanks Shrija, that's wonderful..clear now. This is something which I have not seen much from CZcamsrs. Usually people put a video and that's it..This makes you stand out, Kudos to you and your positive mentality towards constructive criticism! Thanks for your patience and helping us understand! Wish you all the very best 🤗❤️
Bakwas........
hello dear, sorry this video did not live up to your expectation. It would be great if you could share detailed feedback so that i can improve on it next time.
As an invester point, 5 year slab for investing in mutual fund to achieve a surplus target is not good idea...
@@hemantkumarsinha9681 umm.. in my opinion 5yrs is not short term, but still to keep reasonable expectation i considered only 12% return while planning sip even though we can expect more as i created a growth portfolio. But yes i am with u on the fact that mutual fund are meant for long term investment and ideally we should set targets for longer horizon. But my main objective of the video was actually to show the approach of how to build mf portfolio.
if i monthly pay 96000 then 20% for 5 years compoundly becomes 1 cr.
everything was going well untill i heard 1 lakh monthly sip hahah