Myself 28 years old. Started my first job on April 2021, and continuing a SIP of Rs.20,500 for last 6 months. Hope to accumulate good fortune when in 50s. Investing SIP of Rs. 12,500 on Mirae Tax saver, Rs. 3500 on Motilal 150 index midcap, Rs. 2500 on Motilal NASDAQ 100 index fund, Rs. 2000 on Canara Robeco Bluechip. Any suggestion for betterment of allocation would be highly appreciated.
@pritam the advisors I ve come across they suggested to invest in index funds for a long term gain. The allocation you've mentioned here has huge returns but highly risky. Since it all has a good historical background I hope so yours is absolutely safe. All this you've invested through ET money App?
Hi etmoney team, consider a young person, who has been working in last one year and has a corpus of some 5 lakhs and also has less responsibility, so have about 50K money at hand every month. How he/she should invest this money? Possible responsibilities in the future but not very sure: 1. buying a car - 3 years 2. maybe house in EMI - 5 years. When future plans are unsure how should a person make investment options? Currently, I am confused between should I put how much in equity or debt or in FD.
Dear Team ET Money, you people are making a great job, on continuous basis watching your videos, pressed Like button for all as these must be done for your sincere work. I strongly believe in some fund managers investment thought of investing in ELSS, they are Mr. Jinesh Gopani, Mr. Neelesh Surana, Mr. Rajiv Thakkar, Mr. Ankit Pande, Mr. Harsha Upadyaya ,Mrs. Cheenu Gupta & Mr. Ajay Garg. Here I do have one question which I am not been able to understand that, having 14000 crore AUM, With just 2% portfolio turnover ratio, ABSL tax relief have high TER even for Direct MFs investors.
Thank you for your appreciation. We have covered expense ratios in greater details in a separate video. You might want to watch that. Link: czcams.com/video/QlVqUeKgrSw/video.html
I think, It depends on when the units that you are withdrawing were bought. Say for example you started an SIP of 10 units every month for 20 years, when at the end of the 20 years you start a SWP, the first 20 units irrespective of whether you are a senior citizen or not, would be taxed as LTCG and not STCG.
Sir I'm a big faan of u❤️🔥 App kavi mera question nahi lete ho.. Mera age 25 yr hai.. Mein abhi 1. mirae asset emerging bluchip fund -1500 2. Axis Bluechip fund - 1000 3. Parag Parikh Flexi cap fund- 1000 4. SBI small cap fund- 500 Sir mera investment thick hai??
HI, great explanation. But you must cover what happens when you want to redeem? Every invested individual SIP is redeemable after the completion of 3 years. I have seen that not many people know this.
@@ETMONEY I meant when a Fund has a Lockin period of 3yrs. Also in the case of Close ended Funds the redemption of each SIP happens at the end of 3rd year. I hope I'm right?
How do AMCs decide on number of units of a fund ? Does it remain constant ? What do they do when they get more flow of funds ? Does the NAV change independent of price of the underlying stocks ?
Hi. Ranking of international funds is complex due to the varying nature of schemes. To help investors make better decisions, we have a useful video on this: czcams.com/video/qRT917PvEns/video.html
A good video I come across. Thanks for your efforts. However I am finding it difficult to understand compounding in this technique. Does every year return added to my principal portfolio to compound the amount?
Most welcome. Many people ask this question and some people contend rather aggressively that there is no compounding in mutual funds. So here's my viewpoint. The issue starts when an investor looks at a mutual fund as some random investment instrument. The fact is - a mutual fund is a portfolio of stocks, so it is important to understand what is happening in stocks. Now a stock - has compounding effects in terms of its capital & capital allocation decisions .. and by that logic, the same effect gets passed onto mutual funds. Ofcourse, this return-on-return effect is non-linear in equities .. but when one sees over a period of time (say 10 years), growth is clearly visible which is nothing but the compounding effect that's happening in stocks. I'm not sure how much I have been able to explain this .. but personal experience is that only 10-15% really get it & evolve their approach. The others continue with what they studied in their class XI textbooks & find it difficult to absorb alternate views.
@@ETMONEY Thank you for detailing the view point. If possible could you please do a video with historical data. All your videos have the right content and easy to grasp. If we have one such video on this concept, it helps those who have alternate views... :)
@@prathapreddy7684 Thank you for your appreciation. Believe me, it is not worth explaining this. Have tried it with over a dozen people .. and most of them could not move beyond the school definition. Its how the mind works; it creates premises based on analogies, authority (who said it), recency and convenience. However, with experience .. some people do change/improve their views & hopefully that should happen in this case. On our part, it doesnt matter if anyone calls it compounding or ek-aur-ek-gyara or interest or satte-pe-satte :)
Hi anna. Can you please explain how can I invest in US index mutual fund. And what are the options available to do it. Is it good to invest in US index fund or in any US bluechip fund.
Hello sir, i have been doing SIP for 3 months now for 5000 in mutual funds. But everytime they are deducting 1rs , 50 paise and money getting invested is 4999, may i know why?
Sir, please correct the tabular data you demonstrated in the SIP unit cumulative allocations for the month of May 2021 and the rest in the NIPPON India Growth Fund at the beginning of the video. Thanks
Hi Sir, I have been investing in SIP and ULIPs from the past 2-3 years. Although, I have decent understanding of equities as an asset class, I wanted to know the downsides of ULIP. I had seen quite a few videos where they talk about not mixing insurance and investment, which is why I wanted to stop the ULIP. So if I do that now, what would be the charges that would be levied or what is the minimum lock in for these ULIP plans? If you can make a video covering all these, that will be helpful
I have one question....is the MF transferable asset? The way we can transfer Shares to the nominee, can we do similar way for MF? Because if we can't transfer after the demise of investor then nominee has to withdraw all money and loose compounding benefits. Request you to make one video on transfer of MF to the nominee.
Hello Sir, I have a question?. As you said there are several platforms for SIP. What happens if any of the platforms shuts their business? For eg if I invest through ET money and ET money stops their website. What should I do? And what problem will I face?
Please answer my question.. If I have earned 5 lakh through Equity SIP and have paid 10% tax on 5 lakh i.e. 40000 then do I need to pay additional Income tax on top of it in that financial year if my income is say 12 Lakh per annum as per tax slab... Please do answer...
I think you need to wait for 3 years from the date of last SIP to redeem all units. If the date of last transaction is Nov’21 then you need to wait till Nov’24 to redeem full amount at once.
सर नमस्कार आप जो विडियो बनाते हैं उन्हें केवल अंग्रेज़ी भाषा में होता है या उसका कोई दुसरा हिन्दी भाषा चैनल है सर हमें डिटेल में बताने में बहुत अच्छा होता सर धन्यवाद
धन्यवाद सर हम लोगों का ध्यान रखने के लिए सर,सर आप से विनम्र निवेदन है कि जल्द से जल्द हिंदी में वीडियो बनाने की कृपा करें सर जो आज एक महत्वपूर्ण वीडियो आया हुआ था,इसका हिंदी होता तो बहुत सारे लोगों को अधिक से अधिक समझाने में शायद बहुत आसान होता सर,धन्यवाद सर
Sir I'm a big faan of u❤️🔥 App kavi mera question nahi lete ho.. Mera age 25 yr hai.. Mein abhi 1. mirae asset emerging bluchip fund -1500 2. Axis Bluechip fund - 1000 3. Parag Parikh Flexi cap fund- 1000 4. SBI small cap fund- 500 Sir mera investment thick hai??
I always love your in-depth research and the way you present it that anyone can understand. Thanks much 👌👍🏻
Thank you. Truly appreciate that!
Your presentations and very systematic approach to the topic highly appreciated.
Thank you
Great content, I am in love with your analysis. Exactly matching the depth of info I was looking for 👍
Thank you
Very good informative video...your all videos are very helpful to understand mutual funds..
So nice of you. Thank you very much for your kind appreciation
Always new perspective we can get from you 👍
Appreciate that. Thanks!
Myself 28 years old. Started my first job on April 2021, and continuing a SIP of Rs.20,500 for last 6 months. Hope to accumulate good fortune when in 50s. Investing SIP of Rs. 12,500 on Mirae Tax saver, Rs. 3500 on Motilal 150 index midcap, Rs. 2500 on Motilal NASDAQ 100 index fund, Rs. 2000 on Canara Robeco Bluechip. Any suggestion for betterment of allocation would be highly appreciated.
@pritam the advisors I ve come across they suggested to invest in index funds for a long term gain. The allocation you've mentioned here has huge returns but highly risky. Since it all has a good historical background I hope so yours is absolutely safe. All this you've invested through ET money App?
Simply Beautifully presented and clarified
Thank you
Hi etmoney team, consider a young person, who has been working in last one year and has a corpus of some 5 lakhs and also has less responsibility, so have about 50K money at hand every month. How he/she should invest this money?
Possible responsibilities in the future but not very sure:
1. buying a car - 3 years
2. maybe house in EMI - 5 years.
When future plans are unsure how should a person make investment options?
Currently, I am confused between should I put how much in equity or debt or in FD.
Excellent presentation and great job Shankar sir.
Thank you very much
Excellent video sir. Very nice analysis. Too good 👍
Most welcome. Glad you liked it
Valuable information vlog 🎯👍✅
Thank you 👍
Very useful information
Thanks a lot
As usual excellent video with great knowledge sharing
Thank you
Dear Team ET Money, you people are making a great job, on continuous basis watching your videos, pressed Like button for all as these must be done for your sincere work.
I strongly believe in some fund managers investment thought of investing in ELSS, they are Mr. Jinesh Gopani, Mr. Neelesh Surana, Mr. Rajiv Thakkar, Mr. Ankit Pande, Mr. Harsha Upadyaya ,Mrs. Cheenu Gupta & Mr. Ajay Garg.
Here I do have one question which I am not been able to understand that, having 14000 crore AUM, With just 2% portfolio turnover ratio, ABSL tax relief have high TER even for Direct MFs investors.
Thank you for your appreciation. We have covered expense ratios in greater details in a separate video. You might want to watch that. Link:
czcams.com/video/QlVqUeKgrSw/video.html
Thanks so much for very informative video again from ET money...Presentation was outstanding...
Glad you liked it! Thanks
Excellent presentation Sir! Just had a query though- are monthly SWP taxed as STCG for Sr Citizens ?
I think, It depends on when the units that you are withdrawing were bought.
Say for example you started an SIP of 10 units every month for 20 years, when at the end of the 20 years you start a SWP, the first 20 units irrespective of whether you are a senior citizen or not, would be taxed as LTCG and not STCG.
@@DensonGeorge18 Thanks.
Uce zzH.Myin
Hi sir..... great content and detailed analysis as usual.......keep rocking
Thank you
Greatest enlightening content as usual.This channel is great repository of financial wisdom.
Thank you for your kind words of appreciation Amar
Sir I'm a big faan of u❤️🔥
App kavi mera question nahi lete ho..
Mera age 25 yr hai..
Mein abhi
1. mirae asset emerging bluchip fund -1500
2. Axis Bluechip fund - 1000
3. Parag Parikh Flexi cap fund- 1000
4. SBI small cap fund- 500
Sir mera investment thick hai??
HI, great explanation. But you must cover what happens when you want to redeem? Every invested individual SIP is redeemable after the completion of 3 years. I have seen that not many people know this.
Thanks. Can you pls share the source that says it takes 3 years to redeem an individual SIP?
@@ETMONEY I meant when a Fund has a Lockin period of 3yrs. Also in the case of Close ended Funds the redemption of each SIP happens at the end of 3rd year. I hope I'm right?
How do AMCs decide on number of units of a fund ? Does it remain constant ? What do they do when they get more flow of funds ? Does the NAV change independent of price of the underlying stocks ?
We have a related video on NAV MYTHs on our YT channel which answers these questions. Kindly watch that.
I request ET Money to rate all the mutual funds as still a large number of mutual funds are not rated till now.
Hi - the methodology for ranking is available here: czcams.com/video/55hkxW61hZ4/video.html
We've explained why some schemes are unrated.
Systematic information on a systematic investment plan
Thanks
Sir please explain about the expense ratio, with examples
Done. Pls watch : czcams.com/video/QlVqUeKgrSw/video.html
Kindly make a video for best fund for international stocks like US stocks as on ET Money there is no ranking available for international funds .
Hi. Ranking of international funds is complex due to the varying nature of schemes. To help investors make better decisions, we have a useful video on this: czcams.com/video/qRT917PvEns/video.html
Sir, Is switching from Regular to direct plan is taxable??
Yes, but upto 1 lac long term gain exempt from tax
Do 5year investment in nifty50 by sip , give above 8% ?
Where MF units gets stored?? However as we know shares stored with Depository participant such as cdsl and nsdl.
Sir can I convert my existing lumpsump investment in etmoney to sip or vice versa.. please reply
Currently There is Extreme Market Euphoria, and I am planning to start SIP is it a prudent move?
Pls watch our video on Time in Market v Timing the Market. That will really help you decide. czcams.com/video/2lHl6JYqgkQ/video.html
You can change the primary bank for sip auto-pay?
Sip due date sufficient balance na hone ke reason the 252rupee &43rupee debit plz suggest
Hi team, how to identify Index funds in etmoney?
Pls type index in the search bar of the ETMONEY app or website. You'll find a list there
Thanks 🙏 for such a well elaborated video. Minor typo at 17:55, should be1000 + 475.
Thanks
A good video I come across. Thanks for your efforts. However I am finding it difficult to understand compounding in this technique.
Does every year return added to my principal portfolio to compound the amount?
Most welcome.
Many people ask this question and some people contend rather aggressively that there is no compounding in mutual funds.
So here's my viewpoint. The issue starts when an investor looks at a mutual fund as some random investment instrument. The fact is - a mutual fund is a portfolio of stocks, so it is important to understand what is happening in stocks.
Now a stock - has compounding effects in terms of its capital & capital allocation decisions .. and by that logic, the same effect gets passed onto mutual funds. Ofcourse, this return-on-return effect is non-linear in equities .. but when one sees over a period of time (say 10 years), growth is clearly visible which is nothing but the compounding effect that's happening in stocks.
I'm not sure how much I have been able to explain this .. but personal experience is that only 10-15% really get it & evolve their approach. The others continue with what they studied in their class XI textbooks & find it difficult to absorb alternate views.
@@ETMONEY Thank you for detailing the view point. If possible could you please do a video with historical data.
All your videos have the right content and easy to grasp. If we have one such video on this concept, it helps those who have alternate views... :)
@@prathapreddy7684 Thank you for your appreciation.
Believe me, it is not worth explaining this. Have tried it with over a dozen people .. and most of them could not move beyond the school definition. Its how the mind works; it creates premises based on analogies, authority (who said it), recency and convenience. However, with experience .. some people do change/improve their views & hopefully that should happen in this case. On our part, it doesnt matter if anyone calls it compounding or ek-aur-ek-gyara or interest or satte-pe-satte :)
Hi anna. Can you please explain how can I invest in US index mutual fund. And what are the options available to do it. Is it good to invest in US index fund or in any US bluechip fund.
Motilal nasdaq fund
Hello sir, i have been doing SIP for 3 months now for 5000 in mutual funds. But everytime they are deducting 1rs , 50 paise and money getting invested is 4999, may i know why?
That is stamp duty charged at 0.005% as per the government's order since 1 July 2020
@@sujithnair708 ok thanks for the info
@sujithnair oh it is charged by government! This was my long day doubt. Thanks for clarifying.
PGIM INDIA FLEXI CAP FUND ,SIP for 15 years @ 10000 per month is a good choice whose age is 24 years now.
Requesting content on managing multiple bank accounts, credit cards
Mutual fund is a right option for pensioners as compared to keep huge of money in different banks.
Sir, please correct the tabular data you demonstrated in the SIP unit cumulative allocations for the month of May 2021 and the rest in the NIPPON India Growth Fund at the beginning of the video.
Thanks
Hi Sir,
I have been investing in SIP and ULIPs from the past 2-3 years. Although, I have decent understanding of equities as an asset class, I wanted to know the downsides of ULIP. I had seen quite a few videos where they talk about not mixing insurance and investment, which is why I wanted to stop the ULIP. So if I do that now, what would be the charges that would be levied or what is the minimum lock in for these ULIP plans? If you can make a video covering all these, that will be helpful
Please watch our video on ULIP for details on this. It's one of our better videos. Link: czcams.com/video/zssBmmlpqu4/video.html
Sir , does it add value if I invest a lumpsum amount in monthly SIP plan for 10 or 15 days ? Please guide me with this sir 🙏
Good.
But ET money doesn't list Navi index nifty 50 mutual fund.?
I have one question....is the MF transferable asset? The way we can transfer Shares to the nominee, can we do similar way for MF? Because if we can't transfer after the demise of investor then nominee has to withdraw all money and loose compounding benefits. Request you to make one video on transfer of MF to the nominee.
Is it possible to increase SIP amount if we want?
Yes
3 months before I started a SIP. When auto debited it gives a different folio number for the same scheme, is it correct?
Hello Sir, I have a question?. As you said there are several platforms for SIP. What happens if any of the platforms shuts their business? For eg if I invest through ET money and ET money stops their website. What should I do? And what problem will I face?
Please answer my question..
If I have earned 5 lakh through Equity SIP and have paid 10% tax on 5 lakh i.e. 40000 then do I need to pay additional Income tax on top of it in that financial year if my income is say 12 Lakh per annum as per tax slab...
Please do answer...
In this case, you don't need to pay additional tax.
@@gnanasekaran5533 thanks...
App name batao
One drawback is the headache to calculate the capital gains
This app not provide in hindi language
I am not able to withdraw tata saving Elsa fund full redemption after 3 yeas from ET money kindly help I want to redeem full amount
Please connect with customer service at help@etmoneycare.com
I think you need to wait for 3 years from the date of last SIP to redeem all units. If the date of last transaction is Nov’21 then you need to wait till Nov’24 to redeem full amount at once.
@@harishkumarymca921 yes I think so but this is not good to wait after 3 yrs you have to wait till your last sip date😅
@@Tailorsameer ELSS MF have lock in period of 3 years so we have to wait for 3 years.
@@harishkumarymca921 bro I am talking about after 3 yrs yet it is showing lock in period for 3 yrs
सर नमस्कार
आप जो विडियो बनाते हैं उन्हें केवल अंग्रेज़ी भाषा में होता है या उसका कोई दुसरा हिन्दी भाषा चैनल है सर हमें डिटेल में बताने में बहुत अच्छा होता सर धन्यवाद
नमस्ते। हम इस बारे में सोच रहे हैं कि हिंदी content कैसे वितरित की जाए। आपसे अनुरोध है कि हमें एक ठोस योजना के साथ वापस आने के लिए दो महीने का समय दें
धन्यवाद सर हम लोगों का ध्यान रखने के लिए सर,सर आप से विनम्र निवेदन है कि जल्द से जल्द हिंदी में वीडियो बनाने की कृपा करें
सर जो आज एक महत्वपूर्ण वीडियो आया हुआ था,इसका हिंदी होता तो बहुत सारे लोगों को अधिक से अधिक समझाने में शायद बहुत आसान होता सर,धन्यवाद सर
@@shaileshgope7370 Pls watch czcams.com/video/k3SbFoyeFbI/video.html
Sir I'm a big faan of u❤️🔥
App kavi mera question nahi lete ho..
Mera age 25 yr hai..
Mein abhi
1. mirae asset emerging bluchip fund -1500
2. Axis Bluechip fund - 1000
3. Parag Parikh Flexi cap fund- 1000
4. SBI small cap fund- 500
Sir mera investment thick hai??