Top 10 Financial Concepts You Must Know | CA Rachana Ranade
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- čas přidán 15. 05. 2024
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This video covers the 10 most important concepts of the finance world which one must know. These concepts will ace your financial performance, build wealth and manage your money like a pro.
What is covered?
00:00 - Start
00:54 - Net Worth
02:43 - Term Insurance and Health Insurance
06:07 - Emergency Fund
07:11 - Liquidity
08:29 - Inflation
09:56 - CAGR
13:08 - Bulls and Bears
16:06 - Risk Tolerance
17:33 - Asset Allocation and Diversification
18:21 - Conclusion
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Mam I am 57 years old woman.recently I came across your video on stocks lesson 1 and I saw it thoroughly you won’t believe after watching it I fell in love with your teaching method . Everything point was so clear that it encouraged me to learn everything about stocks from your videos thank you so much from the bottom of my heart 😍😍
There"s a revolution taking place in India regarding financial knowledge. Rachana is in the frontline.
i am in the same boat with you.
Really cannot stop appreciating your efforts to improve the Financial literacy of all the people around there by trying to increasing the net worth of the individuals and our Nation ultimately. Though you have dedicated paid lectures, a lot of knowledge is also being shared for free in the interest of others, this is really a great act. I really consider you a star. A star who just doesn't keep building her own wealth but also strives to build others wealth.... You would truly become a well celebrated and a well recognized personality and a gem born in our country. Jai Hind !!
A simple thank you would be a drop in the ocean for you mam.
once there was a girl.. she said "it's idea" 😂😂
Right
😅😅😅 she misunderstood NETWORTH TO NETWORK
😂😂😂😂😂😂
Some good news from idea voda share holder🤣
Yeah ...mereko late samza re ...ye wala 😂
I was actually planning to do the asset allocation and here comes your video. Please do make a video on it. Love your work and your high energy shows your passion. Kudos to the great work 🎉
My asset allocation (Age 29, Medium Risk Profile):
Indian Stocks 35%
Indian Mutual Funds 30%
US Stocks 20%
Digital Gold 5%
Intra-day Capital 3%
Crypto 5%
NFTs 2%
I invest 62% of my monthly income.
Here's a breakdown of where my money goes:
Self Investment (Tools, Books, Meetups, Courses, etc) 3%
Needs and Wants (Rent and Misc Expenses) 35%
Investment Capital (% of salary to be invested) 62%
You re on the way of being a rich and financial freedom
That is really great. How do you ensure that the true diversification is achieved while investing in stocks and MF? Do you review and revise MF and stocks? If Yes, At how much interval?
99% software engineer hoga...
My age 18😂😂
@@revving_ravi Hey, yes I do revise my portfolio. This is done every month mostly after a week of my payday (to make sure my needs and wants are taken care of). I sit on some % of cash as a buffer for timing certain stocks when there's an opportunity in my weekly review of my holdings!
Yes ma'am!! Asset diversification video is needed.. in the video please keep savings of rs20000 as an example and give us a gist of how much percent should be invested where.
If possible also make the video age categorised( 25-35yrs, 35-60yrs and 60+)
Please ma'am... Looking forward for this video
0:30 Rachana : do you know what's your 'Net Worth' ?
Glassy girl : its idea!!!
🤭😂😂
Some good news for idea share holders😂😂
@@pankajthawait3200 😂😂
Woah!😂
Poor girl, bechari ko koi bataya nahi hoga...
Hi Rachna, it will really help if you can come up with a video which shares the strategy for deciding the allocation for each asset class
I am following you since very long , you have come very far with sharing your valuable knowledge and educating millions.
I must say your presentation skills are on next level.
Hi Mam, thank you for making such an amazing video and sowing seeds of financial literature in all our lives.
I love the way you put in so much of effort in every single video.... please keep on making these videos.... really helps us
This video is like an index of a course.So anyone understand those topics step by step .
Thank you for this video.
Yes, a video on sample portfolios would be great...nice video btw 👍👍
तुम्ही मला मराठी मुलगी म्हणून खूप proud वाटतं. Love your Marathi dialogues and Hindi film dialogues… it makes subject like finance a little fun. Love you 🙏. Thanks for doing this.
Currently am 19 and started a SIP in Index fund from the past 2 months
Good going jordan👍
Good
Good job
Despite the economic crisis,this is a Still a good time to invest in stock and Crypto,
Investing in these economic crisis will be one of the best thing to do.
You're right I think stock and Crypto are the best to invest right now☺️.
As stock's are good but crypto is better.
I wanted to trade crypto but got confused by the fluctuation in price.
That won't bother you if you trade with a professional like Mrs Patricia Turner.
Mam you're super cool . The way u explaining the terms is just mind blogging.... If all students got mentors as you are . We own the world..bless you... ✨
I really personally appreciate your way of teaching and explaining things. You are awesome. Keep updating our knowledge people should talk more regarding all these. Practical things are never taught in the schools or colleges and I really appreciate you putting up such educational videos. Found your channel just a few weeks back and cannot stop watching your videos as soon as possible. Thank you maam for absolutely doing a great job. Hope you do not get side tracked from this in the future.
I am the student of BMS, I am trying to know about stock market, Mutual fund, crypto, etc from few days back , meanwhile I found your video and...
now I feel very happy because your video helps me alot to learning all these
Thanks ma'am you're a such a nice teacher ❤️ you're way of explaination is outstanding..👍..
Thanks for the video. Amazing explanation in most simple words. I am a teacher myself. Learning a lot from your videos. 👍 Keep posting such great content
Awesome video ma'am. You have a great sense of humor. I like your videos. Thank you for generating financial awareness.
Well done, proud to see such simplified explanation
Really informative 👍 Looking forward to asset allocation tips.
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
Thankyou for sharing your knowledge and teaching about money management . Every video is useful and clear in explanation
We need a video on how much amt we need to invest in different assets
Keep It Up , Your Techniques n Knowledge is Awesome 😎 🙏
Thanks Rachna!!!
Your teaching s are very useful
That made my day!!!
Superb Video ...Lots of things to learn to become financially literate.... 👍👍👍👍
Hello Rachana....
This is the first time I heard you..... and I am flat.... you are amazing..... I never thought finance can be seen as simple as you said.... thank you very much for this initiative.... Thank you again.... looking forward to watch more of your videos.....
खुप सोप्या पद्धतीने विश्लेषण करता मॅम तुम्ही. फक्त एक विनंती आहे की मराठी मध्ये सुध्दा माहिती दिली तर आणखीन आमच्या अर्थिक ज्ञानामध्ये भर पडेल व नक्कीच आमची अर्थिक स्थिती भविष्यामध्ये सुधारेल.
धन्यवाद👍😊
Yes mam please make a seperate vedio on allocation of funds . thank you for this ❤️
Great video!!! I was not aware of bull n bear till now . Thank you for making this video😍💜
Yeah, it would great for us check how much we have to be diversified.
Make a separate video
My choices of Asset class would be following - PPF, NPS (both T1 & T2 with active choice option), Equity, MF (Midcap, FlexiCap, Balanced Growth), Term insurance, Health insurance (self, family, elderly), real estate, physical gold, NSC, and some FDs.
I'll be running away from insurance which offers return on maturity. Alternative to bond, I'll prefer more on NPS T2 schemes (lots of options with active choice). And regarding crypto - I'll quote Rakesh Jhunjhunwala " I need not go every party in the town" ...
HELLO EVERYONE, I'M ACTUALLY LOOKING FOR A PROFESSIONAL TRADER THAT CAN HELP ME TRADE AND MAKE PROFITS,, BUT IS VERY HARD TO SEE A TRUSTWORTHY ONE.. ANY IDEA.
@Queen David it's been four months now I started investing with her and it's been of no regrets.
@@rockwell4677 Trading with an expert is the best strategy for newbies as well as busy investors who have little or no time to monitor their trade
@@louischarles583 That is true sir I've been trading for years and it has been my source of income
I earned $30,400 on every 10,000 I invested with 7days trading
@Mia Arthur True I've been able to grow my account to high level within a month under the guidance of Mrs florine.
Great Teacher as always 🙏
Thank you for another educational video. Pls. Make the video on diversification of asset classes. Thank you, Bruce.
Dear Rachna Ma'am,
A small request from my side please make a small video on recently launched RBI RETAIL DIRECT. Many Retail investors want to invest directly in Govt. Securities, T- bill but there is platform available. This is a platform which will help us but I need some more clarity on this concept like how to open account, what is minimum investment, how to invest and things like that. I remember that you have told in a video about GoldenPi website for debt investments but I am not sure about it's credibility. So now I think RBI RD is a revolutionary step but need some more clarity and obviously your opinion and your backing on this thing. Humble request to make a small video regarding this.
Thanks a lot Ma'am.
Can you create video on RBI’s new scheme “retail direct scheme” ? It will be great if you can make video on this and provide us some guidance on this. Thank you in advance 🙏🏻
Haha.. Loved the introduction part mam. Plz do some more interviews like that. Plzzzz. Really want some more public interviews.
Your presentation is growing phenomenon..... Thanks a lot ma'am
Great video as usual 👍
But, please make video that you talked about towards the end of asset allocation and diversification section. Thanks
Eager to hear briefly about ideal asset diversification from you
it would be great if you create a video on how to react(What to do) during market correction.
Nice video Rachana..today's people' need to have financial literacy..This concepts also needs to be taught in schools and Colleges. Financial skill is a Life Skill which needs to be mastered at the earliest 💯
Who build schools? Land mafias in conjunction with the wonderful politicians we elect, why would they want you to be financially aware? They get away with the money because we must remain ignorant! Think about it and explore in ur city who owns majority of so called private schools! Happy learning, but wake up
I am myself an educator, and the kind of disservice that is going on in the field of public education is alarming! We r manufacturing donkeys, slaves and subservient souls who ll serve their financial masters in the future. Try n change the status quo and the system will eliminate you. Same with private college education. NEP is a joke. So unless public becomes aware n smart, ignorance will be a bliss for most of them.
I just love the way to explain things.... great
Your video always had fresh content.
Pls make seperate video on asset allocation.
Madam,
What about the depreciation of the car, the boat, the helicopter, and the airplane you have (laughs)?
I think the right thing will be the current value of these assets (must be a conservative one) minus loans equal to your net worth.
Thank you.
Many people say what everyone should do, but u are explaining how to do... Nice 👍👍
Coming to liquid funds for maintaining emergency funds... Redemption in short term (less than 3yrs) may add extra tax burden while filling IT returns when actually funds are required.
Thanks for the video! I always share these with my young cousins so that they would be aware of these terms from the start..
While coming on last section of Video... Rachna Madam was shouted like a Small child shouts in local Marathi schools when it's last period of school 😂😁
BY THE WAY.... Awesome Video As Always
Ma'am, loved the video. I earlier used to invest only in FD's, PPF, MF's only however after watching your videos I have invested in Bonds, Debentures and shares too. Thanks for all your simplified and amazing videos
Hi. Please let know what bonds debentures you have invested. Are the returns have any risk or good.
@@tripshower2all I am a conservative investor so invested bit in Gold bonds, RBI Bonds & SBI Non convertible debentures
@@post2shweta In what category of MF have u invested and how is it performing?
Hi Rachana,
Very nicely explain all the aspects . Thank you.
Please make a video on diversification of investment
Thanks in advance.
Great Video Mam. Appreciate your Hard work. I always get to learn from your videos..
Thanks!! Explained in detail and in simple language 😊
Please make a video on how much funds should be allocated in each type of investment Avenues
Thank you so much for this video ❤
Ma'am, like your videos and thank you for such a wonderful explanation. This has been the quality and hallmark of your videos (22 carats of information)😉😉.
But, I would like to request and know one thing, that recently Indian government have launched a scheme through which we retail investors can go for investment in government bonds!! Can you please, if possible make a video on this topic? Shall be eagerly waiting for your next video 😊😊
Hi Rachna , thanks it was a very helpful video for me. I have a request that can you please make a video for how much percentage should one invest in SIP, RD , FD or how to diversify ones investment portfolio
Mind blowing timing humor😃 Rachana, way to go👍🏻
Very basic concepts every one needs to know.invested in mutual funds ,lic ,stocks ,fd and rd.
please make a video on asset alocation(considering tax deductions also), it's better to start early rather than at end.
Useful one, esp. CAGR. So there are or may be people who dont bother to know 'what inflation is'! Yes; we do need Asset allocation, realistic one - not the one size fit all formula i.e. 100--age. right from toddler to retireee with/without commitment. You can do it. Yes.
Thinking to invest in Reits apart from Stocks. But I am skeptical about Reits taking debts on the instruments or units issued to investors.
Yes ma'am create a video to diversify the investment.🔥🔥
Dear madam, I have invested in Land, Gold, SIP & Stock market.. also have term Ins & health Ins.
Yes that's needed. Diversification of assets video
Nice video ma'am would love to see more of such interactive and fun videos 😍👍🏼
Hats off to you Rachna . You and your videos are truly wonderful 😉
Question - Which is better for debt part for our portfolio - Debt Mutual fund or Bonds?
I have learnt a lot watching your videos
Hi Rachana, nice video on financial awareness thank you. I have invested in equities, mutual funds and life insurance. From last couple I was in feeling how can I know the diversification of portfolio. Please make a video on ideal diversification portfolio. Thanks in advance.
Love the way you explain ma'am... And your voice is very soothing ❤️🙏 thanks you
Mam with you respect
I just want to know that how would you find that this particular sector or that type of particular sector has good future or that sector has higher chances to growth in future.
EX CLASS MAM YOU ARE REALLY PROUD INTITY FOR TEACHER AS WELL AS YOUR PROFESSIONAL THAT IS CA FRATERNITY WE CAN NOT ASK MORE THAN THIS MAM LOVE AND SHARE ALL YOUR VALUE ADDED VIDEO
Yes pls let me know Ma'am If you have made that imp video of asset allocation how much should be in equity and what % in real estate
Helpful Helpful super helpful......I admire your positive vibe Rachna
This is indeed helpful for beginners, thank you Rachana!
This is a quite informative video Ma'am.❄️
What a presentation ! Very smart !!
Nice video making too, informative, easy to understand
can u please talk about coins like solano, cardano, polygon etc? will be useful
Madam I have been an fan since last year and have been a vivid viewer of you channel. Just a suggestion if you could look into. If you could provide indepth details about FTT or fixed time trading. What should we go for
Yes. Please make a video on ideal asset diversification
Thanks 👍 for making such a nice knowledge full videos
Thank you mam for wonderful knowledge
My diversification -
20 % FD, 10%gold(sgb), 5%MF ND 65% in equity.
Equity Mutual Fund and stock: 40%
Debt mutual fund: 20%
Saving Emergency fund : 20%
Crypto(BTC, ADA, NANO , XLM , FTM) : 20%
Yes ma'am please make a video on assets allocation
Great.
Please tell about the impact of US depth cieling on our Indian markets
Hi Mam,
I am watching ur videos for long and learned alot
Actually i have to know is it permissible for Centra Govt employees to buy and sale IPO and Shares after keeping 2-3 days?
I did lots of research but can't get exact answer. I only came to know that "intera day trading" is not allowed.
But not getting details if i am buying a share. And selling next or after a week or month?
You have great knowledge and understanding, you can make a separate videos as well? If u like.
But reply me on this issue.
Thanks
Your great point ... I HATE THE MIXING INSURANCE WITH INVESTMENTS........most of the banks and financial institution selling these type of products for their capital collection with the permission of Government.Most of the financial advisers are the agents of savings+insurance products for higher commission.so many people falling the trap...kindly prepare a video in this matter with your golden words ....
Khup chhan madam.... Dhanyavaad...!!! 🌹❤🙏😇 diversification vala pn video bnvaa...
How do we calculate CAGR for stock SIP?
eg) Investors start investment with Rs50,000 and every month keep investing in the stock market (buying individual shares) of Rs 5000 for next 7-10 years. How can we calculate CAGR in such a scenario?
Very informative Video on finance . I like the various captions & cartoons used by you in it ,& your " Nautanki" style of educating the laymans is simply mind boggling.( Please pardon the used in a lighter gesture.) All this makes your videos very interesting . Hats off to you . Keep up the noble work you are doing. I am from Pune & a Sr. Citizen. How can I connect with you regarding your opinion on my finances? Please let me know .
mam please tell me that is currency trading can also be the way to make portfolio grow ? like stocks and mutal funds???
Yes please. Asset allocation Video. Also if you can include how to do that. I mean I do not know what is Bonds and how to invest in it.
Yes; I do invest in equity; but I am confussssed about the Return calculations! Absolute, CAGR, etc.!
Great information in quick 👍👌