I disagree because of some reasons: 1. It creates a habit of saving. 2. You learn to value business. 3. If you can't manage 1L then you can't manage 1 crore. And stop tracking returns daily and live a peaceful life and focus on your life.
I disagree, facts and study shows even 5000/10000 SIP in a disciplined manner can help you create good wealth. Not underestimating that you should also focus on skills to upgrade yourself
@@catdef9028 ha wo sahi he, sango jo ka bas itna kehna he ki SIP leke beth mat jao use side me chalne do main focus khud pe rakho, khud pe invest karo, koi skill seekho or zyada paise banao.
I started sip’s quite early and felt few benefits:- 1.Learned discipline of saving and pulling down unnecessary expenses 2.Kept away from scam schemes like multi level marketing,investing in a franchise which were putched aggressively to me 3.Saved income tax because of elss 4.Liquidate mfs to fund my foreign trips every year 5.Used MF to buy my car 6.People splurge their bonuses while doing sips from their monthly salaries I always used to put all my bonuses into the Mf world
The most important thing one should understand that Mutual fund is always subjected to Market Risk and there ends the responsibility of Fund Managers. Fund Managers are earning their bread from your money , you are paying them huge amount without their having any slightest responsibility. It is nothing but another form of participation in share market without having any control over one's hard earned money other than safe exit that too may be paying hefty penalty if it happens within stated period.
But at what cost is what sir is asking. The main aim is to increase your salary by using the money for productive things initially. If one is earning a salary of 10k and he is able to increase it to 20k in one year it is 100 percent return over many years not adjusting to inflation.
@@bejoyk Agree that we should focus on increasing our salary but remember that increasing or doubling the salary every now and then is not a piece of cake. It totally depends on various factors. What kind of job you are into, how is your your personal life and your health. Working at a double salary also comes at a cost of sacrifice in personal life and mental peace. There are many people in this world who want to stay balanced in their professional career and want to invest systematically from time to time with whatever capital they have. The video is good and gives a different perspective but again such frameworks doesn't hold true for all kinds of people. Every body has their own difficult situation which they need to fight against. Don't over focus on increasing your salary. Neither over focus on savings and investments. Mix it up. Have some balance.
@@ilovemygrandma. Bs yehi nahi hota ("mix it up") Job hai and sip sip krna hai to... Fully frugal ho jate hai. Business me dhyaan do and kuch expenses aaye to lagta hai business ke liye hi hai.. kr dete hai and sip gets ignored.
बिलकुल सही बात कही है sir आपने, youngstars को अपनी value, Skills को increase करने पर focus करना चाहिए। ओर पैसे को अपनी value, Skills को increase करने पर खर्च karna चाहिए।
Sir you told all the problems . Hope you come up with suggestion . That a reason please have a Financial adviser . 1) Invest in skills which will help you in earning more . 2) Have a goal settings and invest accordingly considering inflation. You explain like elder member of family . Really sweet .
Bhohot hii achi eye opener video hai sir 😇……tv internet pe literally itna spam kaarte hai yee sip vala concept ….pareshan hoo jataa hu sir itee sari ads dekh kee 😅…
As a leaner of stock market for a year, I can say it's not easy. people saw big returns in pandemic but now they are loosing on every trades or investment. If someone wants to make big in the market then educate yourself. It is a time taking process and not a get rich quickly scheme. I hope people stop losing money in market.
Awesome. I'm also one of such person who started SIP late. Rather was focusing on increasing my income. Today I can invest 10 times more. But I'm still focusing on making passive income more.
Great, that you had the guts to hint at the truth. Even SIP is a massive myth, which has been created over the years. It is only the concerned AMC which is gaining more rather than individual investors. They are getting cash inflows without any effort!!
I accidently bought HDFC Mid-Cap Opportunities Fund -Growth in 2007, it was just to show investment for tax saving to the company's accounts department at the end of financial year. Invested 20K (2007) at the initial offering , now its 200K . What is your say on it ?
Very good advice sirji , your best asset is ones skill and more the skill more the annual increment and job opportunities which can give better returns than any MF and Stock annualised .
Bhai skill or saving dono parallel chlti hai...agr koi insan agr 500 rps ki v saving krta h to burai kya hai....ysa is dharti par koi v insaan nhi hai jo savings nhi krta ho ....
The way I see your explanation of the Fund Manager's 2.5% fees for managing the mutual fund is analogous to the situation where if I make a lumpsum payment to buy a residential real estate, the fund managers will keep all the rental incomes from the real estate which in many big cities in India ranges between 2.5% to 3% of the ongoing price. Understanding it this way really drives the point home. Thoughts?
For the past 1 year I have been investing in Mutual Funds after doing proper research. 1. Don't do calculation in MF calculator, it's a trap if you are greedy. 2. Return is not fixed. 3. Only invest if don't want to see your portfolio for min 10yrs. past 1 year my portfolio has 0 return few are in negative. 4. He is right keep as low up to 4 MF in Portfolio that to from different fund. house . BEST THING IS YOU EARN & INVEST ACCORDING TO YOUR GOAL & ENJOY LIFE.
@PM S You will have so many overlaps , paying more expense ratios, less growth also. Please stop sip's in unnecessary MF consultant your financial advisor ( trustable person). Don't just start buying MF by its performance or any one suggestion,do your own research. few points to keep in mind are 1. if your investment horizon is 5 yrs then don't invest in MF go for bank fd , post office saving etc. 2. if investing for 10 yrs then go for LARGE CAP & FLEXI CAP thats it. 3. if time horizon is more than 15yrs then 1 MF from each category is enough i e LARGE CAP , MID CAP , FLEXI CAP , SMALL CAP . Do your own research & allocation.
For a novice mutual fund is best way to invest, for pro in investing doesn't matter. Investing through SIP develops discipline towards investing, and only which is important in market is discipline. Ultimately it's investing discipline leads to wealth accumulation.start early retire early
Most of the time i agree with Sango Sir, but here i disagree partially. Every investment tool has its own pros and con, individual need to assess time period.
CZcamsr ki baato se sabhi agree ho jaate h kisi baat pr kisi bat pr hum .. Kyuki ye books padhte h jo study base hoti wo wala gyan baat dete h kisi na kisi pr set baithegi
Sirjee is right i see many youngsters earning 30k and then spending hours daily on intraday during office hours doing intraday of 200-500/- they make 100-200 rupees a day and feel happy at what cost? Neither they are focusing on work nor skill development nor living a good life its just people like zerodha Indmoney PaytmMoney etc who are profiting through this young workforce
@4:03 Factually incorrect, if you start early even with a small amount and small XIRR it makes a lot of difference compared to starting a SIP of 20,000 10 years later, you'll need higher returns and very high returns. Every small amount SIP matters that's how compounding makes you a heap of money
New insight to think beyond MF👏🏻👏🏻👏🏻💐... After watching many videos and investing in different funds... Only 4 NEEDED for COMMON, SIMPLE, LAZY INVESTOR like me... NIFTY50/NEXT 50/MIDCAP 150/SMALLCAP 250 ETF/INDEX...BUY MONTHLY FOREVER...EXIT when emergency fund erased/Goal reached.
Muthal fund are always right sir. Initially i started with rs 1000in 2011. Now i have a corpus of 53 lakh. But you r right i m still continuously learning stock market.
But sir thik hai mutul fund me carodpati nahi banenge, par atlist pese to save ho raha hai aur nahi kuch to atlist bank ki fd se kuch to zada aa hi jayega
Though I agree k ppl should put maximum attention in getting their income/ salary increased. But there is one fundamental problem in your explanation. The whole concept of MF is that you focus less yourself, and hand over to someone having a full time job of analysinf market. To ideally a person investing in MF would put very little time of his own, and can very well focus on his career. And yes, its outsourcing only, like hiring a carpenter to get your furniture done, rather then learning the art of woodworking yourself. I started investing roughly 5 years back with just 2k of sip. Over the period when I saw my money growing up, it gave me motivation to save and invest more and more. I now regret that I should have started atleast 2-3 years earlier.
Last year, I invested huge amounts of money into Global MFs like Edelweiss GCE Franklin Asian equity fund Franklin us opportunity Mirae Asset Hang Seng Mirae asset FANG All are in deep red. I will be in huge loss if I redeem them today. My suggestion Never put a single paisa into global funds. Our domestic MFs are good and reliable Jay Hind
Excel sheet is the worst thing that could have happened to your youth. People feel they will get rich by doing a 20k SIP per month. The only one getting rich are the mutual fund managers. Nobody is focussing on improving their earnings. If you improve your earnings, your savings go up automatically.
Sir ji aap MF matter ko divert kar die............ Paisse kamana aur paisse ko save karke, grow karna ......dono alag2 matter hai....... Ap mix kar die....... MF v goal orientated hota hai......waha v sab skill grow ke bare may he bolte hai......
It is hard to create content, many people talk of finance as it has lot of topics to talk about and thus content gets created and they can earn money from these videos.
but sir g mutual fund me aap kam amount me expensive stocks bhi buy kr sakte ho hai on other hand etf r yet not giving diversifiction like MF ,they r limited
suppose you are having a salary of 50k instead of doing 20k sip use that money to improve skills so that your salary increases to say eg 60k and then instead of saving 30k use it to upskill again and increase salary to 70k keep on focusing on education and skills let savings and sip go to hell , so that all these corporate trainers can get more rich
I disagree because of some reasons:
1. It creates a habit of saving.
2. You learn to value business.
3. If you can't manage 1L then you can't manage 1 crore.
And stop tracking returns daily and live a peaceful life and focus on your life.
He's not saying to stop doing sip... He's saying that focus on yourself... Invest in yourself... He's right!!!
@@shyamnbaraihaa SIP zaroori he lekin SIP se zyada focus khud par karo. Zyada kamaoge to zyada laga paoge or zyada ameer ban paoge.
I disagree, facts and study shows even 5000/10000 SIP in a disciplined manner can help you create good wealth.
Not underestimating that you should also focus on skills to upgrade yourself
@@catdef9028 ha wo sahi he, sango jo ka bas itna kehna he ki SIP leke beth mat jao use side me chalne do main focus khud pe rakho, khud pe invest karo, koi skill seekho or zyada paise banao.
Keep Investing in index fund nifty50 that's enough. Even 10% return is enough. Don't think much.
Do your job, improve skills.
Best part is you hardly have any expense cost in 10 years . I calculated for 10k sip for 10 yrs it's expense ratio came out to be 28k only
I started sip’s quite early and felt few benefits:-
1.Learned discipline of saving and pulling down unnecessary expenses
2.Kept away from scam schemes like multi level marketing,investing in a franchise which were putched aggressively to me
3.Saved income tax because of elss
4.Liquidate mfs to fund my foreign trips every year
5.Used MF to buy my car
6.People splurge their bonuses while doing sips from their monthly salaries I always used to put all my bonuses into the Mf world
The most important thing one should understand that Mutual fund is always subjected to Market Risk and there ends the responsibility of Fund Managers. Fund Managers are earning their bread from your money , you are paying them huge amount without their having any slightest responsibility. It is nothing but another form of participation in share market without having any control over one's hard earned money other than safe exit that too may be paying hefty penalty if it happens within stated period.
Sir purpose of early SIPs is not to create wealth but to create discipline required to generate good wealth.
But at what cost is what sir is asking. The main aim is to increase your salary by using the money for productive things initially. If one is earning a salary of 10k and he is able to increase it to 20k in one year it is 100 percent return over many years not adjusting to inflation.
@@bejoyk Agree that we should focus on increasing our salary but remember that increasing or doubling the salary every now and then is not a piece of cake. It totally depends on various factors. What kind of job you are into, how is your your personal life and your health. Working at a double salary also comes at a cost of sacrifice in personal life and mental peace. There are many people in this world who want to stay balanced in their professional career and want to invest systematically from time to time with whatever capital they have. The video is good and gives a different perspective but again such frameworks doesn't hold true for all kinds of people. Every body has their own difficult situation which they need to fight against. Don't over focus on increasing your salary. Neither over focus on savings and investments. Mix it up. Have some balance.
@@ilovemygrandma. Bs yehi nahi hota ("mix it up")
Job hai and sip sip krna hai to... Fully frugal ho jate hai.
Business me dhyaan do and kuch expenses aaye to lagta hai business ke liye hi hai.. kr dete hai and sip gets ignored.
Yes.
Absolutely new perspective, Thx a lot Sir
Brutal truth. Perfectly summed up!
बिलकुल सही बात कही है sir आपने, youngstars को अपनी value, Skills को increase करने पर focus करना चाहिए। ओर पैसे को अपनी value, Skills को increase करने पर खर्च karna चाहिए।
awesome sir for giving this perspective👌👌👌😀😀😀
This series is going great Sir! A request to you for a video on how to read an annual report of a company, your perspective!
Sir you told all the problems . Hope you come up with suggestion . That a reason please have a Financial adviser .
1) Invest in skills which will help you in earning more .
2) Have a goal settings and invest accordingly considering inflation.
You explain like elder member of family . Really sweet .
Bhohot hii achi eye opener video hai sir 😇……tv internet pe literally itna spam kaarte hai yee sip vala concept ….pareshan hoo jataa hu sir itee sari ads dekh kee 😅…
Great advise...🙏
Thank soo much sir❤️
As a leaner of stock market for a year, I can say it's not easy. people saw big returns in pandemic but now they are loosing on every trades or investment. If someone wants to make big in the market then educate yourself. It is a time taking process and not a get rich quickly scheme. I hope people stop losing money in market.
It is long term affair...8 to 9 years are required to make good wealth....
Awesome. I'm also one of such person who started SIP late. Rather was focusing on increasing my income. Today I can invest 10 times more. But I'm still focusing on making passive income more.
You have lost the biggest thing in investment brother. That is time.
Then where do we invest? please suggest or make some video
Thank you sir ji.🌹
Best clarity giver.
You are right
We (young) people should invest in ourselves and improve our skill set first.
Instead of wasting too much time on the stock market.
Right .Paise kamaane mein jyaada dhyaan do.
Great, that you had the guts to hint at the truth. Even SIP is a massive myth, which has been created over the years. It is only the concerned AMC which is gaining more rather than individual investors. They are getting cash inflows without any effort!!
🙏🙏thanks guru ji 🙏🙏
I accidently bought HDFC Mid-Cap Opportunities Fund -Growth in 2007, it was just to show investment for tax saving to the company's accounts department at the end of financial year. Invested 20K (2007) at the initial offering , now its 200K . What is your say on it ?
Keep invested if you don't need it urgently. Long term compounding is always good.
phir toh mutual funds sahi nikla without any tension leke 😂
Which app is best for Mutual Fund investing......???
Indmoney
You were just lucky 🍀 you can't replicate this!
Excellent explained Sir ❤
Mutual fund agents try to sell Mutual fund portfolio where they can get maximum commission.
Very good advice sirji , your best asset is ones skill and more the skill more the annual increment and job opportunities which can give better returns than any MF and Stock annualised .
Bhai skill or saving dono parallel chlti hai...agr koi insan agr 500 rps ki v saving krta h to burai kya hai....ysa is dharti par koi v insaan nhi hai jo savings nhi krta ho ....
Superb eye opening video.
Bahut sahi bole.
The way I see your explanation of the Fund Manager's 2.5% fees for managing the mutual fund is analogous to the situation where if I make a lumpsum payment to buy a residential real estate, the fund managers will keep all the rental incomes from the real estate which in many big cities in India ranges between 2.5% to 3% of the ongoing price. Understanding it this way really drives the point home. Thoughts?
but direct funds dont charge more than 1.5%
Rarely any direct fund had 1% charge
Long-term is a relative word and depends on which side of the market you are.
Ankur warikoo ki la liii bhai sheb na...
Kaun Epic Shit wala??😃
@@crazydancer011 wo hi chaman.. excel wala bhai
Very well explain
For the past 1 year I have been investing in Mutual Funds after doing proper research.
1. Don't do calculation in MF calculator, it's a trap if you are greedy.
2. Return is not fixed.
3. Only invest if don't want to see your portfolio for min 10yrs.
past 1 year my portfolio has 0 return few are in negative.
4. He is right keep as low up to 4 MF in Portfolio that to from different fund. house .
BEST THING IS YOU EARN & INVEST ACCORDING TO YOUR GOAL & ENJOY LIFE.
Thanks sir
2022 was stagnant for Nifty.......whereas Sp500 and ftse were in recession
@PM S You will have so many overlaps , paying more expense ratios, less growth also. Please stop sip's in unnecessary MF consultant your financial advisor ( trustable person).
Don't just start buying MF by its performance or any one suggestion,do your own research.
few points to keep in mind are
1. if your investment horizon is 5 yrs then don't invest in MF go for bank fd , post office saving etc.
2. if investing for 10 yrs then go for LARGE CAP & FLEXI CAP thats it.
3. if time horizon is more than 15yrs then 1 MF from each category is enough i e LARGE CAP , MID CAP , FLEXI CAP , SMALL CAP . Do your own research & allocation.
Helpful
For a novice mutual fund is best way to invest, for pro in investing doesn't matter.
Investing through SIP develops discipline towards investing, and only which is important in market is discipline.
Ultimately it's investing discipline leads to wealth accumulation.start early retire early
Most of the time i agree with Sango Sir, but here i disagree partially. Every investment tool has its own pros and con, individual need to assess time period.
CZcamsr ki baato se sabhi agree ho jaate h kisi baat pr kisi bat pr hum ..
Kyuki ye books padhte h jo study base hoti wo wala gyan baat dete h kisi na kisi pr set baithegi
Please Share your thoughts on REIT's
Aapka sahi hai income source pe dhyan Dena bhi imp hai. Income nhi to kya mutual funds or stocks
Sirjee is right i see many youngsters earning 30k and then spending hours daily on intraday during office hours doing intraday of 200-500/- they make 100-200 rupees a day and feel happy at what cost? Neither they are focusing on work nor skill development nor living a good life its just people like zerodha Indmoney PaytmMoney etc who are profiting through this young workforce
Good explain sir 🙏
Ability to create wealth is real wealth. Spend on urself to earn more.
Loved it
Excellent video
Uncle ji you are ocean of knowledge.
Uncle ji chahte aap unke paid service lo....
The truth...
sir aap bilkul sahi ho
Nice Video..sir
Great sir
Sir plz make video on Direct Equity Vs Mutual Fund
Sir mutual fund ma kasa Saba best investment ka tarika kya hai pl
@4:03 Factually incorrect, if you start early even with a small amount and small XIRR it makes a lot of difference compared to starting a SIP of 20,000 10 years later, you'll need higher returns and very high returns. Every small amount SIP matters that's how compounding makes you a heap of money
Which is sahi then FDR, GOLD, PROPERTY ???
Value creation ka topic h ya phr mutual fund me invest na karne ka....
Nice
Guruji...guruji...guruji...
❤️❤️❤️❤️❤️❤️❤️❤️
I got it you’re saying to focus on your skills set and not on savings although you must save
100 % true
V good sir 👍
New insight to think beyond MF👏🏻👏🏻👏🏻💐...
After watching many videos and investing in different funds... Only 4 NEEDED for COMMON, SIMPLE, LAZY INVESTOR like me... NIFTY50/NEXT 50/MIDCAP 150/SMALLCAP 250 ETF/INDEX...BUY MONTHLY FOREVER...EXIT when emergency fund erased/Goal reached.
You have to drink....that was awesome
Muthal fund are always right sir. Initially i started with rs 1000in 2011. Now i have a corpus of 53 lakh. But you r right i m still continuously learning stock market.
Celebrating the paper gains lol.
Mutual fund redeem karne par piase ke badle paper milege kya
jabardast bhai. Lage rahie
SIP badhate rahie
Chacha apun bi bada chalak hai 😂😂
Hum to sala index fund hi liya hai wo bi 0.15% exp. Ratio pr😂😂😂only 1 index fund
Right advise to youngesters
🙏🙏👍👍 aap sahi kaha rahai hai
But sir thik hai mutul fund me carodpati nahi banenge, par atlist pese to save ho raha hai aur nahi kuch to atlist bank ki fd se kuch to zada aa hi jayega
Sirji Absolutely right !!
One question : How to make own stock portfolio by stocks like a MF. Also how to average them..upward or downward going
thankyou sur
It took me time to realize this. I want crores when I'm under 40 and mutual funds with my 5 figure package will be too slow.
Sirf paisa kamaaoge ya jiyoge bhi.
The most important point here is invest in your skills
Aap sab lo MF ko khud se Analysis kijie ......tab pta chlega MF sahi hai ....
Nh to esse may koi v kuch v bolkar nikl jaega....
Direct mfs ka Expanse ratio aaj kl .5 to 1% hai aaj kl
Ye log pata nhi kahan se 2-2.5% bol dete hain hawa me
English subtitles would've been great
Thank God, I haven't started yet😅😅😅😂
👏
Radhe Krishna
Real voice in between the noise.
Investing in mf is good option to increase wealth without doing anything
Though I agree k ppl should put maximum attention in getting their income/ salary increased. But there is one fundamental problem in your explanation. The whole concept of MF is that you focus less yourself, and hand over to someone having a full time job of analysinf market. To ideally a person investing in MF would put very little time of his own, and can very well focus on his career. And yes, its outsourcing only, like hiring a carpenter to get your furniture done, rather then learning the art of woodworking yourself.
I started investing roughly 5 years back with just 2k of sip. Over the period when I saw my money growing up, it gave me motivation to save and invest more and more. I now regret that I should have started atleast 2-3 years earlier.
5K SIP at one company stock without diversification, reliance, tcs, infosys nifty 20 companies but only 1 stock.
Mutual fund hi hai jo market ko balance kia hai.mutual fund for middle class salaried peoples. Power of compounding.
Mutual funds and Etf's are best
Last year, I invested huge amounts of money into Global MFs like
Edelweiss GCE
Franklin Asian equity fund
Franklin us opportunity
Mirae Asset Hang Seng
Mirae asset FANG
All are in deep red. I will be in huge loss if I redeem them today.
My suggestion
Never put a single paisa into global funds.
Our domestic MFs are good and reliable
Jay Hind
You must have researched before blindly dumping your money. 😂😂😂 Global funds are still good and so are domestic funds.
Diversify bro....
I withdrew entire amount from Franklin US opportunity fund.
MF is for discipline investing.....
Excel sheet is the worst thing that could have happened to your youth. People feel they will get rich by doing a 20k SIP per month. The only one getting rich are the mutual fund managers. Nobody is focussing on improving their earnings. If you improve your earnings, your savings go up automatically.
how to increase earning what kind of skills he his talking about is it like learning a new software or something like that
🥀🥀🥀
Front running by Axis mutualfund
To kya jo bhi calculate karke amount dikhaye jaate hey jhooth hey? Kindly reply!
Nahi
Sir ji aap MF matter ko divert kar die............
Paisse kamana aur paisse ko save karke, grow karna ......dono alag2 matter hai.......
Ap mix kar die.......
MF v goal orientated hota hai......waha v sab skill grow ke bare may he bolte hai......
To kya kare ?..sturbucks ki coffee piyen?
tapri pe jakar chai pi lo u will save 200 easily
Sir kaha kare investment phir
Invest in yourself first
Great advice
It is hard to create content, many people talk of finance as it has lot of topics to talk about and thus content gets created and they can earn money from these videos.
but sir g mutual fund
me aap kam amount me expensive stocks bhi buy kr sakte ho hai
on other hand etf r yet not giving diversifiction like MF ,they r limited
MAG
Iss liyee Index fund lee loo
Kehna kya chahte ho. Sir
Invest in yourself before investing
Sir vedio main english thodi c cum use karo tan ke aam admi bhi apki vedio ko samajh sake
Do investments in MF. It’s good.
Sir paisa wale hi sip karenge....hum to kheti me sip karenge
suppose you are having a salary of 50k instead of doing 20k sip use that money to improve skills so that your salary increases to say eg 60k and then instead of saving 30k use it to upskill again and increase salary to 70k keep on focusing on education and skills let savings and sip go to hell , so that all these corporate trainers can get more rich
Exel king he is targeting @ankur w😂
Aaj ke tarikh me agar banks apna interest rate badha de na, log SIP band kar denge...
बूंद बूंद से ही गड़ा भरता है।।।
जितनी चादर उतनी ही पैर फैलाओ।
Sir kehte hai chaadar badha karo. 😊 Skill seekho. Invest b karo aur zindgi b jio.