Save LAKHS on LOANS with MUTUAL FUNDS! | Ankur Warikoo Hindi
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- čas přidán 4. 03. 2024
- Check your Loan Eligibility here:
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In this informative discussion, we explore a groundbreaking financial solution known as Loan Against Mutual Funds (LAMF). Discover how LAMF offers investors a strategic approach to accessing short-term liquidity without the need to liquidate their investment portfolios.
We delve into the mechanics of LAMF, highlighting its benefits and considerations for investors. From providing short-term liquidity to preserving investment growth potential, LAMF presents a compelling option for mutual fund investors seeking financial flexibility.
Don't miss this valuable opportunity to optimize your mutual fund investments and achieve financial success. Tune in now to learn how to leverage mutual funds effectively for your financial goals.
#MutualFunds #InvestmentStrategy #warikoo
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Check your Loan Eligibility here:
Smallcase: www.smallcase.com/loan-against-mutual-funds
Volt Money: voltmoney.in/check-loan-eligibility-against-mutual-funds?ref=ILX38F
Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
My Money Apps: bit.ly/3Zg56eR
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Hi Sir...
Very informative information and useful especially middle class family... Just wanted to know what are the risks in these type investments... Will I get all the invested money back with 100%.. ? Risks ke bareme bhi ek episode banayi... All types of risks...
Thank you for this informative video..
Guys @warikoo I just got LAMF from Yenmo, they are super quick and very reliable.
Guys @warikoo I just got LAMF from Yenmo, they are super quick and very reliable.
@warikoo Ankur the calculation is wrong.
Your calculation doesn't include loan repayment emi
In chunnus case this money can be considered as additional sip amount
And in munnus case it's emi
For a loan of 3L emi amount is 9750
So for an apple to apple comparison
You have to consider that emi amount as chunnus additional sip for 3 years 😊
When you consider that chunnu will have more money (@12% MF ) Growth
Basically when u take a LAMF it's just that you are borrowing money at 10.5 and investing it as Lumpsum
The comparison should be made in that way
I know this because I always calculate
That if I take a loan at say 10% and invest as Lumpsum vs pay the emi amount as sip.
There might be slight difference but doesn't worth the hassle and the issues comes with debt
LAMF can be used against selling at a loss when the market is down by a lot in that case you will making profit, when u compare LAMF vs Selling units.
In other scenario if u increase the loan tenure there might be a slight difference but not huge
Please check yourself and reply
I think correction needed "not HDFC its Bajaj Finserv".
@warikoo One interesting point to consider when Considering Redemption vs LAMF. If Someone is redeeming X amount and not paying Y amount as EMI for 3-4 Years He/She can effectively make a new SIP for Y amount for those 3 years. It will be interesting to see how much difference will be there between redemption vs LAMF.
In that case also, if your MF returns are higher let's say 13% per annum, then still taking a loan would be a better option rather than redeeming the amount and start an SIP with same EMI amount
If assume 12 % return, then how taking loan is good ? , we can start or increase sip amount with same fund , it's good option in my opinion@@shivalikchadha9702
Thanks for the info. The application process for LAMF on smallcase is really smooth.
Plus you can save on capital gains tax when you are planning to redeem MFs during emergency.
Bahut hi behtreen video, dil chhu liya sir aapne ❤❤❤
Wow, I did not know about this awesome concept, super video❤❤❤❤❤
Dear sir, Mai to aapke pichhe aapki achievements ko dekhkar proud feel kar raha hun, Very inspiring pic for my life ❤❤❤
250 ka cashback from Volt 😃, sahi haiiiiiii
Kese?
@@ComingSoonin2024 Warikoo ke description wale link se apply karo, milega cashback.
Jab market gir jaye aur invest karne ke liye jyada paise nahi ho to purane mutual fund pe loan leker lumsum amount invest kardo aur loan ko sip ke roop me pura kardo
Kya me sahi soch raha hu ???
😊😊😊
It's good to know that we can pledge our funds also for much lower interest rates. Cheers. Thanks. Awesome job. Keep doing ❤
"Great video! Exploring different ways to leverage loans against mutual funds is insightful. Understanding the benefits can help investors make informed decisions and optimize their financial strategies. Thanks for breaking down the options!"
Good morning sir.apke video dekhkar mera investment se releted hosla bad jaata hai.
Volt money 😮😮 Wow 😮 it's actually seamless thank you for the video sir.
Wow,I was in need of this topic right now. Think you sir.
Thank you for this idea. This helps. Wish you all the best.
What an eye opener. You a😊re becoming God of knowledge in my life
One of the best Advisor 😊
Ye baat video ke start mei batani chahiye na ki Dmat account se jo invest kar rahe hai ye unke liye nahi hai, time waste hua bina kaam ka
Kisne bola bro
Very helpful video thanks for sharing 👍
Very informative video sir..... Thanks
Munnu has to pay the emi, Chunnu is Free. Chunnu can invest this same emi as SIP ...why is it not considered??
Best video thanks warikoo.
Wow sir i follow you you are teacher❤❤❤❤❤❤❤❤❤❤
Munnu is paying EMI and if chunnu is putting that money in mutual fund..then the difference will be not enough...plz count that as well it will be more clear to the viewer who are planning to make decision based on this video☺️
Sahi baat h, munnu EMI ka amount additionally kaha se laega, usko apni SIP rokni padegi
Service of volt money is best❤
Thank you sirji. Perhaps another option which is worth mentioning is overdraft against FD where there are no processing charges. Generally, interest delta over FD is one to two percent (net cost) depending upon the bank and overdraft can be repaid whenever there is surplus cash to reduce the interest cost.
Sir this is brilliant 😊😊 super sir you slove my problem i need a money 😍😍 and also i have a mutul fund. I invented it from 5 years ago. Then i checked my eligibility. You solve my problem sir. Thank you so much sir 🙏🙏🙏
Sirji stocks pledge rakhna bhi lamf ko hi kente hai ?
maine 2 saal pehle apne mf bech diye the, kash iske baare mein pehle pataa hota.
I've recently been advised to explore saving money on loans through mutual funds. My current approach of simply holding assets doesn't feel sufficient in today's market, especially with inflation impacting my $2.5 million inherited portfolio. The idea is to diversify with stocks and bonds, but I'm concerned about ensuring financial stability post-retirement.
Thank you Sir ❤
Nice video sir ...thank you ... Can you please make same videos on Loan against PPF or SGB or any other saving instruments
New way of growing savings 😊
Sir mere funds bhi demat me hain.
But I liked the concept you told here 😎
Thank you Sir I didn't knrw that..
मैंने मुन्नु जैसे लोन लिया हे सरजी। लेकिन वह 7-8% के ब्याज से मिला। आपका बहुत-बहुत धन्यवाद ❤
Wow, never knew about this. This is so cool 🤑
Dear Sir, also u can consider govt. bank gold loan. Less interest rate and lowest processing fee.
How to wake up early pe bhi ya consistent pe ya free Mei books kese padhe google pe sahi rehta hai kya ?
Awsm ❤
Capital Gains Tax should also be considered for the opportunity cost whichever applicable, great explanation!
Good information 👍
LAMF is similar to LAS for demat securities which each broker/depository provides as per there own set of rules.
I would eagerly wait for Smallcase or Volt to provide loan against MF irrespective of portfolio as most of people are buying through direct route.
As Always Valueable Content 💥
Ankur Sir, Sip on a particular date every month is good investment but it is not best way to drag your ultimate profit. Rather same sip in different way of investment approach in same MF can open investors eyes.
Please explain coin app and there hidden charges for the mutual fund.
Which platform is better for mutual fund Coin or groww.
Thx sir ❤
As a Commerce Students 😊Knows this .
Thanks sir
Mere mutual funds online Demate se hi kharida hua hai.. mere me limit to shi hai
Very very nice👍
Incorrect assumption. When someone pays emi for loan then that much money is less for SIP. So the one who sells MF unit can afford to continue SIP but the one took loan cannot. So the difference will be much much less. Not 28 lakhs. Totally incorrect.
Ankur Sir mujhe volt se 675000 ka eligibility dikha rha hai aur yeh sach me 10.49 percentage de rha hai
Thankyou so much ❤❤❤❤❤❤❤❤
I love you sir
Very Nice Information 🎉
Sir your videos are always very informative. Can you make a video on investments option for people who are in late fifties.
Sir trading ke best video batao
very nice information sir
amazing idea
Does that mean that we can also get loan against stocks that we hold in our demat account?
Sir I'm preparing for a govt job.
I will feel blessed if on any day I get guidance on my future money management from you when I'll start my own earnings. 🤩
good timing
@ankur, this point should be considered, the scenario you have placed, it's half-baked, consider the EMI burden for the loan taker or add the same EMI amount for the other person as additional SIP, I believe the difference will not be much more... so I suggest before producing and influencing the persons with any information consider all the scenarios, in practical it's not good and 16% and 10.5% ROI on Pl is there..
In that case also, if your MF returns are higher let's say 13% per annum, then still taking a loan would be a better option rather than redeeming the amount and start an SIP with same EMI amount
Sir how to increase the amount of existing AMC sip ?
Dear Warikoo sir, I love your content, its so helpful in my day to day life. With no offence i found below me smatch in the excel..
Chunnu can increase sip value where as Munmu is repaying the LAMF..
I assume there would be difference of 1.5% (12 - 10.5).. not a major chunk of loss
Yes correct.
Hi, please suggest how and where to open Mutual Fund account?
Good evening sir, if chunnu invest the amount, which was paid by munnu as LAMF EMI for same period, then what will be the difference, please check....✔️
Ankur sir tell us the process to achieve our desires without loan or emi methods ; which type of investments can be done so that we can achieve our desires as it will be helpful for our audience as well please pickup my question
How to start investing as a college student… plz make a video on it
sir please tell me best demat account for invest mutual fund
Your ad doest sounds like an add which is the scariest part how you difines. Still big fan a practicing the things you tought earlier.
Small case is sebi registered pls tell
Please make a video for best investment options for retired senior citizens. Perhaps js a "shorts" video
Hi Sir I have got 4 mutual funds Sip and my horizon is 15-20 years. Can you please revert if the portfolio is good. 2 small cap- Nippon & Tata. 1 Flexi cap- Parag pareikh 1 Mid cap- Quant.
It's not available for mutual fund holdings in dmat
Thank you so much sir 🎉🎉
Amazing 🤩🤩🤩🤩
This concept is very good, but sir we are investing in mutual funds using our demat account, then this scheme is not useful for us . SIP with third party person is not safe (this is my opinion). So can you tell that how can we take LAMF against our mutual fund in demat account.
Dear Ankur ...plz explain tax saving mutual fund.....is it tax saving fund is good to save our tax....or regular mutual fund good for extra return???
Hi sir, it seems good but what about return of loan amount, as munnu can return that loan amount to mutual funds because he have to pay it back to lamf also
First of all thanks a lot sir for such a valuable information you shared with us
Let me inform all of you guys even though my MF investment is through online D-mat account in volt money my eligible criteria is showing same as Ankur sir discussed in video i.e 45% of debt MF not as Ankur sir portfolio shows only 11k
So my question is to Ankur sir did volt money started loan for online Dmat account also ?
Calculation isn't accurate.
Do the calculation by assuming that Chunnu invested the EMI amount regularly (instead of paying EMIs). Also assume that loan fees is invested in MF too.
Ultimately, it might be almost the same.
they dont provide loan against mutual funds held in demat account
How to rebalance while is loan this LAMF loan is going on ?
If market down during loan tenure, who will benefit in this scenario.... how does it work in bear market. Instead of paying EMI , We can make SIP for same EMI amount . it would benefit in bear market
Hi sir same nenu elage చేస్తున్న already
Thanks Ankur❤❤
Please make real video on how new age rich people become rich and successful
💙💙💙💙💙
In your example, if the second person doesn’t have surplus money after taking LAMF and reduces his SIP to adjust with the EMI, how will his return be affected ? Can you compare this scenario ?
@ankur, this point should be considered, the scenario you have placed, it's half-baked, consider the EMI burden for the loan taker or add the same EMI amount for the other person as additional SIP, I believe the difference will not be much more... so I suggest before producing and influencing the persons with any information consider all the scenarios, in practical it's not good and 16% and 10.5% ROI on Pl is there
My mutual funds are in demat form instead of I received the loan against mutual fund by Volt within one hour .
Sir Mera ek mutual fund tha Jo ki equity hybrid me tha usko Maine nifty small cap 250 me switch kr Diya h
Lekin current uski value negative me h
Please guide me what I do
Stay or again switch it?
Sir small case mai sirf interest jaata hai ya emi banta hai
is elss coutable
Warikoo sir pls let me know I want loan against mutual Fund pls suggest best reliable sebi and rbi regulated apps or plateform for above purpose
Vote for warikoo sir❤❤❤❤
You did not cover repayment.. or prepayment or tenure
An alternate cheap option is go for home loan top up loan if having home loan
Can you please share the google sheet you used, that would be very helpful!
Dude but munnu also paid principal amount which chunnu didn't had to pay. What about adjusting opportunity cost there on that montly principal amount payment.
Hello Sir
I hope you're well
Sir can you make any video for Fixed deposit against overdraft?
What about emi , why you not considering emi, what if chunnu increase sip by emi amount