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Sir why my epf claim rejected reasons has been rejected due to :- 1) member name differs for above pf account number as per office records clarify the same 2 member names differ PLEASE SIR HELP ME THANK YOU
I am new to this field and wanna invest in SIP as you explaion in this video but want know about high risk What high risk mostly mutual funds showing high risk
Suppose I'm investing for 1 year and have checked a mutual fund company Taking one time investment as 5K and expected return is 7720 Taking sip 500 per month resulting in 6000 year with return of 7730 expected ! So I've already paid 1000 more so if somehow I've gained more units in sip I'm already in a loss of 1000 , moreover expected outcome is also low !
Pro tip: start a sip with low price..(1000₹/month) Track the NAV of your shares for 1 year. Whenever the NAV is low...invest lumsum in the same mutual fund. I got 28% XIRR by this method
I only do lump-sum, this helped me 60% return during current rally but my sip friends are around 10%return as they stopped sip during crash. This is how market work . I do aggressive investing when I see nifty below 19pe or below 2.0 price to book value. I know not every body will understand this but this works for me n probably in next two years I will achieve financial freedom So happy that good channels like yours are helping millennials
Opportunities like march 2020 don't come that often. If you took advantage and booked some profit that's good. But don't expect to have same returns often. And good luck with financial freedom in next 2 years.
Many Mutual fund investment advisers avoid to talk about the risk of lumpsum investment. I was one of the victims, in 2017 invested in midcap and small cap funds until 2020 I saw only capital erosion. I did this only Because of one reason that My advisor recommended to invest lumpsom when the market was in its high. I was the looser. But you have given the right suggestion. My sincere appreciations.
Kya bat kr rahe ho... Mere pass year ki starting me 60000 hoge phir b me 5000 per month hi krunga.. Baki kai money idle rakhunga... Wahh... Achha video banaya.... Kuvera ki advertisement k liye
you missed to mention one drawback of SIP. at the end of the year when you are calculating the final return value, note that there is exit load of 1% if you redeem unit before 1 year from the invested date. Also, small term capital gain tax of 15% will be applied if you wish to redeem all the units at the end of the year.
@@pushuvisible even if u invest in lumpsum u will b charge the same if u redeem b4 one year.. We invest in index fund for good return , can b seen after a year only.. covid was exception
Over the longer horizon (Min 5 years), lumpsum investment is much much better than SIP. It will give huge returns over SIP. I have personally done this calculation in an excel.
@@aileen8492 Because you invest SIPS one after the other in smaller amounts compared to one big lumpsum amount. Sure, they are good for averaging market fluctuations, but in longer periods lumpsum investment in good funds will give better returns. For example, if you invest 60k in Jan 2021 and observe its profit in Jan 2022, it will be larger than what you would get through an SIP of 5k each month in same period (same amount of 60k invested as 12 5k SIPs). This is because only one SIP (Jan) has completed 12 months of invested growth, the next one only 11 months, then next one 10 months, so on and so forth with the December one having completed just one month of growth. In contrast, the 60k lumpsum has had a full year to reap the benefits. In my personal case, a lumpsum of 10 lakhs in 2017 in a pretty average fund has given close to 18 lakhs till Jan this year. I hope this clears your doubt.
Just as market fluctuations average out, your prospective returns too average out when you invest in SIPs. So that's one good factor to keep in mind. The trick to using lumpsum investments to your advantage is to make sure you are not investing in in the fund when the NAV is at an all-time high. Or make sure the fund will grow reasonably well over the next 3 to 5 years even if you are putting the money in at a high NAV. :)
Don't go for SIP, If you have amount Go for lumsum, don't go via agent, go invest directly in fund company, Every month NAV price increase minimum 1% every month, if you don't know check few mutual fund prices for last few years
Rather than keeping your lump sum in bank, buy liquid fund/debt fund of that Same mutual fund and transfer sips from that fund to the desired fund. All mutual funds allow that. So in the process minimum return you will get ,will be of liquid fund/debt fund on your lump sum amount.
How to do this, I mean, how to invest in debt or liquid funds and then systematic transfer plan to intended equity mutual fund. Please explain the procedure
I'm doing lumpsum investment but in sip style so that i can invest regularly but whenever I want and also when the market goes down so i can better nav averaging by investing on those days as well.
I clearly understand the benefits for investing via SIP, but a little confused if SIP is the right method to invest in ELSS funds as investment made every month is locked in for 3 years. Would like if you could address this in your video..
Hello Parikshit punekar. ELSS fund per month ki SIP installment 3 year k liye lock hogi, means agar FEB-2022 SIP kategi vo next FEB2025 KO free hogi ese hi March-2022 vali SIP mar2025 me free hogi ese hi last installment jo hogi vo uske 3 year bad free hogi...
@@jingsmotivate To phir ELSS me se paisa kaise nikale? Maine last year 1 ELSS fund liya tha through SIP. Can I redeem it after 1 year? If not, to us paise ko kaise nikalu?
Investing lumpsum in Liquid Funds & then setting STP (Systematic Transfer Plan) for desired mutual funds is a good strategy than starting a new SIP & keeping remainder in bank?
@@LabourLawAdvisor but will that not cause double service tax, once when you sell liquid and other when you buy equity fund, even if it is within same AMC ? Please confirm, I also did this in past but realised of taxation
Thank you Sir, you share very important and valuable information with us as bank penalty, automate bank premium & best opportunity with SIP or lump-sum deposit.
Maine SIP kia hai aur Lump Sum me bhi invest karne ka soch raha hu. Maine ye pada kahi ki long term ke liye Lump Sum me investment karte hai to NAV ka jyaada effect nahi padta. Please ye doubt clear kare..
suppose I invested 60k on 1st Jan when NAV value is very low(I waited to crash share market) then on next 1st Jan I will get return on entire 60k. but this is not possible with SIP I wait for market to go down and invest 10k every month in different mutual funds instead of SIP. MUST ANSWER IF I AM WRONG. LIKE IF I AM RIGHT.
Wow great video,stil I never seen your video it I click on like, share, subscribe and download it. Your explanation method is very great sir, you are great. Within a second I became a knowledgeable person in mutual fund investment from 0 knowledge. Thank you so much
This method does not apply on Equity investment. Investing lumpsum amount earliest on equity will have more probability that your money will grow better than SIP.
Koi bhai hum ko batao ki lumpsum me hamne 10k invest kiya toh har saal 10k hi zama karna padega ya kabhi bhi kitna bhi zama kar sakte hai ya nahi zama kare toh bhi chalega
Sir.... Just a thought- Lumsum every month kare to kya dikkat hai??? We know, is month market high pe hai so we skip that month.... On other side is month market low hai so we can invest more on that month.... How is that idea!!.. Please comment if this is advisable or not??
Markets can remain irrational longer than you can stay solvent. Market high pe h ye soch ke skip maroge to koi guarantee thodi h ki next month market neeche aega, ho sakta hai aur 30% badh jae. Aur jab gire, to 10% hi gire. Wo wala price shyd lambe samay tak kabhi wapis nahi, jo aapne miss kar dia. Don't try to time the market, just make a disciplined investment. And invest more if market corrects
@@LabourLawAdvisor thanks sir... It do make sense! But jese covid k time market gira tha tab mene 50K invest kar diye the... Fir 4 month mene invest nahi kiya... So i can see clear benefits for that.... But i totally agree with you... This was one of case, har bar asa nahi hoga.. Side note - Thanks for the quick response! I'm feeling proud k mene kuch dhang ki bat kahi hogi tabhi reply aya apka😀😋Lol👍 you guys are doing the best!!
1)how to chose good mutual fund for sip in long term?? 2) sip/month online kar skte hey?? 3) return kaise melaga automatically bank mey rupia credit hoga ?? 4) 1 crore rupia 20 year mey return k liye sip /month kitna kare ?? return pura milega yea tax deducted hoga? plz reply . i want to start sip per month
1- There will be no index fund. Do some research on HDFC Top 100 or 200. SBI Hybrid. HDFC small cap. Monthly 20000. Plan accordingly. Small cap is high risk high reward.
For elss though I prefer lump sum only. 1. say for 3 years lockin, one would have to wait 6 years to see the whole amount withdrawal. Although being invested for longer duration is better but it’s certainly a drawback. 2. You would not be committed in investing in the same mutual fund every year. Depending on expense ratio , performance etc you can choose which elss fund to invest every year.
@@manoharsingh6050 Right. But that doesn't means that the first SIP that you did is locked for 6 years. The first monthly SIP that you made is withdrawable, and actually re-investable after 3 years/36 months. Essentially, every purchase transaction is locked for 3 years only.
Mera age 41 y ,main 20 sal ke liye sip kar raha hu, ap mera port folio dekh ke boliye ye port folio sahi hai yea nahi= 1.Maire asset tax saver fund=5000 2.Parag patrika flexicap fund=5000 3.axis mid cap=3000 4.mirae asset emerging blu chip fund=2500 5.axis small cap fund=3000 5.kotak small cap=2000 6.motilal osowal Nasdaq 100 etc =2000
long term investment me paise ka face value change hota hai real value nahi. Because of inflation, tax deduction, charges on withdrawal etc. Isliye long term investment me high percentage return hone par hi benefit hai warna nahi.
suppose if I Purchase xyz SIP for some yrs. Is there any possibility that in future xyz SIP can stop its business? (due to loss or any other reason) If yes what will happen to my invested amount??
By investing in SIP, are we not losing the returns. For example a unit bought in the first month will have accumulated some returns by the end of the 12th month, compared to units bought in the 12th month. I am a beginner, can someone please clarify ??
Yup. You are right. While SIPs average out market fluctuations, it also averages out your returns, because your first SIP would have remained invested for a much longer period than your last invested one. On the other hand, if you are able to do lumpsum investment at a low NAV of the mutual fund, or if you are sure that your fund will reasonably grow in the long term of say three to five years, then you will get better returns with a lumpsum
Lekin sir ji sawal yaha ye uthata hai ki agar main 3 lakh rupees ko 15% ke interest rate se 30 saal ke liye lump sum investment karta hun to, uska return 30 saal bad 1 crore 99 lakh rupaye milta hai. Aur vahi agar main 3 lakh rupaye ko split Karke per month ki 834 ki installment banata hun aur uski SIP karta hun 30 Salon ke liye to mujhe returns milta hai 58 lakes 50 thousand rupees only. To sir ji main yahan confused Hun ki main kya Karun lump-sum invest Karun ya SIP Karu mere pass Lump-sum 3 lac rupees hai.. please advice me
high price par bhi agar khareeda fir bhi mf to long term ki baat hai n...ekhaad saal shayad negative dikha de...par long term mein faayda hi hoga ...kabi b invest karte hain to....
I am a regular viewer of your valuable videos. 1 week ago I have started an SIP of DSP tax saver fund through coin app. But later I found that it is IDCW Interim. As far I know, they will transfer some amount of dividend every month in my account. But I don't want to get any money like that. So what should I do now. Should I stop the sip & start a new one? Can I cancel the IDCW system? Plz reply.
Mere portfolio me 6 funds hai .... 1. Large cap 2. Malti cap 3. Mid cap 4. Small cap 5. Index funds 6. Liquid fund Aur main 6 months se investment kar raha hu lamsum se. Abhi tak mujhe 74% ka return mila hai. Kya ye sahi hai?????????
Ours is a bullish market and SIPs for a longer period of time will give you very less returns. In lump sump, even if you buy at an average price, after a five years of period you will get good amount of returns provided you in a good ELSS mutual fund at once. Just check all the mutual funds in the last 5-6 years, NAVs of all of then rose steadily, except few like Nippon India etc. So for a long term wise decision is to invest lump sump. SIPs will give poor return for a longer period of time in a bullish market as your average cost price will keep on rising YoY.
Mutual fund sip me koi charge bi parts hai kya matlab agar hum 2000 di sip karte hai to hamara 2000 ki sip hogi ja kuch charge deduct hoga pls reply sir?
SIP is a trap. Keeps the money rolling in for the AMC. Best is to buy manually on dips. It's your money and deserves your attention. Don't get fooled by these SIPS.
@@lakshmitejas1685 you know what I do? Let me tell you the first thing is that the equity market is not for the sleepy kind. The sleepy kind just dream.... Now for a start let me tell you I have SIPS working for me. I have 10 funds which I have chosen. All diversified. I use SIP only for accumulation of units. But the SIPS are of small amount. Just 2 thousand per fund. And I'm always on the look out for falls/ corrections. That's when I do my major investment. But I'm always watching everyday....waiting....and I keep money for mutual funds and stocks ...separately....ready for the opportunity...whenever it presents....I have similar SIP in stocks...where I accumulate every month...and am waiting for the operator games on weekly/ monthly expiry...corrections....bad news....whatever the reason to buy more...That's how it works.. if you can't do that.. you will only get average returns.. so be sharp....look sharp!
Because lumpsum invested upfront earns more returns. For example if you're going to get 1% on your investment, if you invest 100 rs a month , you'll get 1 re only in the first month, and on the next month you'll be earning on 100+101 , but if your invest the completed 1200 rs in the first month itself you'll get 12 rs, and then in the next month more return on 1212 rs. That's one way where lumpsum earns more than an SIP.
SIP is best option than Lumpsump.. Lumpsump is Beneficial only if you purchase at lowest NAV price. Grow Return Calculator always calculated on the basis of lowest NAV for marketing purpose. I had invested through lumpsum and not gained return as expected. Might be my bad luck.
Hi, sir how r u Mera ek sip 3 sal se chal rahi hai. Mujhe aur Rs.1500 per month invest karna he, Toh, mujhe aapse yeh janna hai ki, mujhe meri existing sip me hi Rs.1500 ki top-up karna chahiye yah naya ek aur scheme main invest karna chahiye... Please sir, reply jarur kare, I'll wait for your reply. Thanks 🙏
Investment isn't done for next day return or return after 1 year. No matter what you do, you are not going to get the most % of return any MF or stock have generated. Be it lump sum or SIP. If you do it for atleast 3-5 years. You are going to get decent returns.
Lumpsum bhi to kar sakte hai , 60k hai uske pass to wo sip ke sath 5k monthly dene ki jagah lumpsum 5k invest krlega , and khudse analysis leke jab market down ho tab krde invest , sip me fix date pr dalana hota hai jaruri nahi hai us din market low ho
What if I have done SIP but when I saw NAV has dropped down I made additional investment of 5000 rs. So that extra 5000 rs would be considered as SIP or lumsum ?
Lower/Higher NAV ki baat galat batayi. Example: Agar ek MF ki NAV 3 he, aur usme invest karte he toh apna pesa double hoga jab NAV 6 hogi, a difference of 3. Aur agar MF ki NAV 100 he, aur usme invest karte he toh apna pesa double hoga jab NAV 200 hogi, a difference of 100. NAV to increase by 3 is very much likely compared to NAV increasing by 100. Don't be fooled by % age increase of NAV. In both the above cases, NAV increased by 100% yes. But take a look at any funds history, you will see that their NAVs increase fast from 1 to 50, then the NAV increases very slowly. So, guys pick funds to invest at lower NAVs, but promising growth (Picking is up to you 😉)
Can I know how much difference would it be if I invest via a broker(how to find the chargers to compare between brokers) vs AMC, would highly recomend a detail explanation TIA
SIP is a trick designed by AMC for their benefit. Otherwise it is a stupid way of investment. As NAV is not important for return, lump sum investment is better.
@@vijaydas9747 If that lumsum is for long term then not to worry.I have done lumsum last year when nifty was nearly 12k but this year nifty almost touched 15k (within 1 and half year so much gain)
6000 company in this 10 to 50 company profit making..... " buy @ low & Sell @ high" means always buy when market crash or correction & sell @ high......some company take 5 to 20 year to grow...
It's wrong video wrong information share sip sahi nahi he because aap ek price pe le rahe after month again sip jayegi ya to mehnga hoga ya sochta return bhi km milega agr Apne lumb sump amount invest ek acha price lekar long time me wo return dega hi dega apke liye better he ek hi bar invest
Ham agar kuvera se koi mutual fund lete hai to hame original documents kaise prapt hoga, agar kal ko Kuchh problems aati hai to ham kaha jakar Baat karenge?
Absolutely not Lumsum gives high returns as compared to SIP Lumsum should be considered for short term financial support SIP is beneficial for long term 15 to 20 years. Lumpsum can be good deal if u are buying new bike or new car in a span of time. For eg. Invest in lumsum in desired mutual for couple of years and when u check ur principle amount it's almost more than half. This is good way to buy expensive things. It's my opinion Do your own research
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Sir why my epf claim rejected reasons has been rejected due to :- 1) member name differs for above pf account number as per office records clarify the same 2 member names differ PLEASE SIR HELP ME THANK YOU
I am new to this field and wanna invest in SIP as you explaion in this video but want know about high risk
What high risk mostly mutual funds showing high risk
It is asking for an invite code plz share the same
Suppose I'm investing for 1 year and have checked a mutual fund company
Taking one time investment as 5K and expected return is 7720
Taking sip 500 per month resulting in 6000 year with return of 7730 expected !
So I've already paid 1000 more so if somehow I've gained more units in sip I'm already in a loss of 1000 , moreover expected outcome is also low !
I can choose 3rd option manuals sip. So I will invest in bits and pieces when market is slightly lower...
Pro tip: start a sip with low price..(1000₹/month)
Track the NAV of your shares for 1 year.
Whenever the NAV is low...invest lumsum in the same mutual fund.
I got 28% XIRR by this method
Thanks for sharing your experience.
Thank Karan. Really great advice.
Thank you
Thnku mam for sharing valuable tips
What if we planned to Invest for 3yrs and we took SIP of 1000 rupees for 3 yrs. What do you after completing 3 yrs ? Do we've to update it ?
I only do lump-sum, this helped me 60% return during current rally but my sip friends are around 10%return as they stopped sip during crash. This is how market work . I do aggressive investing when I see nifty below 19pe or below 2.0 price to book value. I know not every body will understand this but this works for me n probably in next two years I will achieve financial freedom So happy that good channels like yours are helping millennials
Can you give some tips or methods on investment in mutual funds for someone starting their career and what do u think is the best mutual fund ?
lol you are not a investor
Opportunities like march 2020 don't come that often. If you took advantage and booked some profit that's good.
But don't expect to have same returns often.
And good luck with financial freedom in next 2 years.
That's luck
@@rupeshpredator6855 if u want to learn abt mutual funds investing. Watch etmoney CZcams channel . It has good information
Best channel I found so far. Being a beginner and day 1 of understanding mutual funds, I am highly impressed with the way of explaining. Many thanks.
U hve seen pranjal kmra
Pranjal kamra sir ke video dekhiye
Many Mutual fund investment advisers avoid to talk about the risk of lumpsum investment. I was one of the victims, in 2017 invested in midcap and small cap funds until 2020 I saw only capital erosion. I did this only Because of one reason that My advisor recommended to invest lumpsom when the market was in its high. I was the looser. But you have given the right suggestion. My sincere appreciations.
Bro fire that advisor lol what a twat to give you advice to invest when market was at high. Well, we learn and progress. All the best
Had you stayed invested for 3 more years you would have seen profits. Always stay invested for long term. Market is not for short term.
Fact of the matter is keep investing no matter SIP or Lumpsum...
One wise person can start SIP and put lumpsum amount when price will go down...
Kaise jane ki price low hai
@@sat-esports923 u can see the historic trend of the price buy when it dips
Beautiful video.. I was just in dilemma whether to go with sip or lumpaum.. you just saved my 💰 & time
Same
Kya bat kr rahe ho... Mere pass year ki starting me 60000 hoge phir b me 5000 per month hi krunga.. Baki kai money idle rakhunga... Wahh... Achha video banaya.... Kuvera ki advertisement k liye
Please also inform drawbacks of SIP returns. Your return will average out in SIP. That's significant factor.
low risk low returns is one factor of significance.
you missed to mention one drawback of SIP.
at the end of the year when you are calculating the final return value, note that there is exit load of 1% if you redeem unit before 1 year from the invested date. Also, small term capital gain tax of 15% will be applied if you wish to redeem all the units at the end of the year.
That is correct .. so MF concept is anycase for long term investing.
@@AP-eb8hd My comment was in context of SIP vs Lumpsum. Not long term vs short term
@@pushuvisible even if u invest in lumpsum u will b charge the same if u redeem b4 one year..
We invest in index fund for good return , can b seen after a year only.. covid was exception
@@mandarw100786 ohh. This is brand new information to me. I'll ink it on my hand so that I never forget for the rest of my life. Thank you so so much.
@@pushuvisible Oh sorry for ur short term memory loss...
Over the longer horizon (Min 5 years), lumpsum investment is much much better than SIP. It will give huge returns over SIP. I have personally done this calculation in an excel.
can you please explain more f possible.
@@aileen8492 Because you invest SIPS one after the other in smaller amounts compared to one big lumpsum amount. Sure, they are good for averaging market fluctuations, but in longer periods lumpsum investment in good funds will give better returns.
For example, if you invest 60k in Jan 2021 and observe its profit in Jan 2022, it will be larger than what you would get through an SIP of 5k each month in same period (same amount of 60k invested as 12 5k SIPs). This is because only one SIP (Jan) has completed 12 months of invested growth, the next one only 11 months, then next one 10 months, so on and so forth with the December one having completed just one month of growth. In contrast, the 60k lumpsum has had a full year to reap the benefits.
In my personal case, a lumpsum of 10 lakhs in 2017 in a pretty average fund has given close to 18 lakhs till Jan this year. I hope this clears your doubt.
Just as market fluctuations average out, your prospective returns too average out when you invest in SIPs. So that's one good factor to keep in mind.
The trick to using lumpsum investments to your advantage is to make sure you are not investing in in the fund when the NAV is at an all-time high. Or make sure the fund will grow reasonably well over the next 3 to 5 years even if you are putting the money in at a high NAV. :)
@@Manu-tf9cu Thanks for explaining. Can you suggest where to invest lump sum account like in ELSS or through which way?
Agree
Don't go for SIP, If you have amount Go for lumsum, don't go via agent, go invest directly in fund company, Every month NAV price increase minimum 1% every month, if you don't know check few mutual fund prices for last few years
Impressive graphics! Well explained.
Rather than keeping your lump sum in bank, buy liquid fund/debt fund of that Same mutual fund and transfer sips from that fund to the desired fund. All mutual funds allow that. So in the process minimum return you will get ,will be of liquid fund/debt fund on your lump sum amount.
How to do this, I mean, how to invest in debt or liquid funds and then systematic transfer plan to intended equity mutual fund. Please explain the procedure
Can u make a video on SIP switching and how to understand how ur fund is doing.
I'm doing lumpsum investment but in sip style so that i can invest regularly but whenever I want and also when the market goes down so i can better nav averaging by investing on those days as well.
I clearly understand the benefits for investing via SIP, but a little confused if SIP is the right method to invest in ELSS funds as investment made every month is locked in for 3 years. Would like if you could address this in your video..
I think for elss lumpsum seems to be better
True in ELSS lumsum is better option than SIP
Hello Parikshit punekar. ELSS fund per month ki SIP installment 3 year k liye lock hogi, means agar FEB-2022 SIP kategi vo next FEB2025 KO free hogi ese hi March-2022 vali SIP mar2025 me free hogi ese hi last installment jo hogi vo uske 3 year bad free hogi...
@@jingsmotivate To phir ELSS me se paisa kaise nikale? Maine last year 1 ELSS fund liya tha through SIP. Can I redeem it after 1 year? If not, to us paise ko kaise nikalu?
@@DeepakKhanwalkar you have to wait for 3 year for each SIP, don't invest more in that if you don't want to wait.
Very well explained sir....Now I got a clear idea of lumpsum and an SIP
Investing lumpsum in Liquid Funds & then setting STP (Systematic Transfer Plan) for desired mutual funds is a good strategy than starting a new SIP & keeping remainder in bank?
I do that
Simple best idea..
@@LabourLawAdvisor but will that not cause double service tax, once when you sell liquid and other when you buy equity fund, even if it is within same AMC ? Please confirm, I also did this in past but realised of taxation
@@002nrv he is not selling he is just changing from lumpsum to sip
could you please elaborate the procedure
Thank you Sir, you share very important and valuable information with us as bank penalty, automate bank premium & best opportunity with SIP or lump-sum deposit.
But in tax harvesting, we have to buy in lump sum when the long-term capital gain is about to reach 1lakh !!
That time u can remove amount n again add in same mutual fund or liquid fund to park
Maine SIP kia hai aur Lump Sum me bhi invest karne ka soch raha hu.
Maine ye pada kahi ki long term ke liye Lump Sum me investment karte hai to NAV ka jyaada effect nahi padta.
Please ye doubt clear kare..
*बिल्कुल आसान शब्दों में* 👌
Thank you ❤️
LLA team is awesome. Hindi m itna clear explaination.
suppose I invested 60k on 1st Jan when NAV value is very low(I waited to crash share market) then on next 1st Jan I will get return on entire 60k.
but this is not possible with SIP
I wait for market to go down and invest 10k every month in different mutual funds instead of SIP.
MUST ANSWER IF I AM WRONG.
LIKE IF I AM RIGHT.
Hi Bablu! Can you tell me you do this under which plan? Is this lumpsump investing every month on a different date?
@@prerna1839 yes. I used to do like that earlier . Now I don't have much time so I have selected few SIPs on auto debit mode
Wow great video,stil I never seen your video it I click on like, share, subscribe and download it. Your explanation method is very great sir, you are great. Within a second I became a knowledgeable person in mutual fund investment from 0 knowledge. Thank you so much
....aapse acha koi na samjha payega...very nice explanation.....ab kisi din ye bhi samjha dijiye ki mutual funds actual me hote kya hai??
Very Informative, thanks a lot! You guys are awesome.
This method does not apply on Equity investment.
Investing lumpsum amount earliest on equity will have more probability that your money will grow better than SIP.
True!
This video is for beginners
The Best video on SIP👍👍
Auto Sip request fail ho gaye toh one time 1000 ki or uske next month bhi 1000 upi se kr diye. ⚠️ Next month ke 1000 waist ho gaye.
Sir, mujhe Basant Agro Tech k bare main janna hain. Kya isme invest karna yaa uska shares kharidna sahi hoga. Please kuch idea dijiye.
Koi bhai hum ko batao ki lumpsum me hamne 10k invest kiya toh har saal 10k hi zama karna padega ya kabhi bhi kitna bhi zama kar sakte hai ya nahi zama kare toh bhi chalega
Please make a video on difference between top-up portfolio and buying new mf of same price.
Thank you
Sir.... Just a thought- Lumsum every month kare to kya dikkat hai???
We know, is month market high pe hai so we skip that month....
On other side is month market low hai so we can invest more on that month....
How is that idea!!.. Please comment if this is advisable or not??
Markets can remain irrational longer than you can stay solvent.
Market high pe h ye soch ke skip maroge to koi guarantee thodi h ki next month market neeche aega, ho sakta hai aur 30% badh jae. Aur jab gire, to 10% hi gire.
Wo wala price shyd lambe samay tak kabhi wapis nahi, jo aapne miss kar dia.
Don't try to time the market, just make a disciplined investment. And invest more if market corrects
@@LabourLawAdvisor thanks sir... It do make sense! But jese covid k time market gira tha tab mene 50K invest kar diye the... Fir 4 month mene invest nahi kiya... So i can see clear benefits for that....
But i totally agree with you... This was one of case, har bar asa nahi hoga..
Side note - Thanks for the quick response!
I'm feeling proud k mene kuch dhang ki bat kahi hogi tabhi reply aya apka😀😋Lol👍 you guys are doing the best!!
1)how to chose good mutual fund for sip in long term?? 2) sip/month online kar skte hey?? 3) return kaise melaga automatically bank mey rupia credit hoga ?? 4) 1 crore rupia 20 year mey return k liye sip /month kitna kare ??
return pura milega yea tax deducted hoga?
plz reply . i want to start sip per month
1 index fund 2 yes
1- There will be no index fund. Do some research on HDFC Top 100 or 200. SBI Hybrid. HDFC small cap. Monthly 20000. Plan accordingly. Small cap is high risk high reward.
u can take nifty etf (when nifty is at least corrected 15to 20 % of its all time high )
profit will be accumulated in ur fund only.
For elss though I prefer lump sum only.
1. say for 3 years lockin, one would have to wait 6 years to see the whole amount withdrawal. Although being invested for longer duration is better but it’s certainly a drawback.
2. You would not be committed in investing in the same mutual fund every year. Depending on expense ratio , performance etc you can choose which elss fund to invest every year.
Y bat to shi h bhai mgr kse decide krnge kb kis plan m kos waqt invest kre..
How come 6 years?
@@architkapoor2503 in case of monthly sip for 3 years . The last sip you do would be end of 3 rd year and would be withdrawal at end of 6th year
@@manoharsingh6050 Right. But that doesn't means that the first SIP that you did is locked for 6 years. The first monthly SIP that you made is withdrawable, and actually re-investable after 3 years/36 months. Essentially, every purchase transaction is locked for 3 years only.
@@architkapoor2503 that’s right
Mera age 41 y ,main 20 sal ke liye sip kar raha hu, ap mera port folio dekh ke boliye ye port folio sahi hai yea nahi=
1.Maire asset tax saver fund=5000
2.Parag patrika flexicap fund=5000
3.axis mid cap=3000
4.mirae asset emerging blu chip fund=2500
5.axis small cap fund=3000
5.kotak small cap=2000
6.motilal osowal Nasdaq 100 etc =2000
Nice video sir, SIP को withdraw kab karna chahiye sir?
30 saal bhaad
Very nice and to the point you made my life easy
Thank you very much.. samjhaneke liye
Hi
100: ki ek bat hai seedhe seedhe jaab share market me markat chal rahi ho har taraf selling ho tab hi market me paise dalne chaiye for sure return.
long term investment me paise ka face value change hota hai real value nahi.
Because of inflation, tax deduction, charges on withdrawal etc. Isliye long term investment me high percentage return hone par hi benefit hai warna nahi.
itna achha koi nahi samjha paya lumpsum and SIP k baare me
suppose if I Purchase xyz SIP for some yrs. Is there any possibility that in future xyz SIP can stop its business? (due to loss or any other reason)
If yes what will happen to my invested amount??
Then you will go bankcrupt👍🏻 but invest in strong company mutual funds 👍🏻 bankctupty ke chances kam hote h
Can I invest multiple times in same fund in one time investment plan
By investing in SIP, are we not losing the returns. For example a unit bought in the first month will have accumulated some returns by the end of the 12th month, compared to units bought in the 12th month. I am a beginner, can someone please clarify ??
Yup. You are right. While SIPs average out market fluctuations, it also averages out your returns, because your first SIP would have remained invested for a much longer period than your last invested one. On the other hand, if you are able to do lumpsum investment at a low NAV of the mutual fund, or if you are sure that your fund will reasonably grow in the long term of say three to five years, then you will get better returns with a lumpsum
@@Manu-tf9cu Thank you.
Lekin sir ji sawal yaha ye uthata hai ki agar main 3 lakh rupees ko 15% ke interest rate se 30 saal ke liye lump sum investment karta hun to, uska return 30 saal bad 1 crore 99 lakh rupaye milta hai.
Aur vahi agar main 3 lakh rupaye ko split Karke per month ki 834 ki installment banata hun aur uski SIP karta hun 30 Salon ke liye to mujhe returns milta hai 58 lakes 50 thousand rupees only.
To sir ji main yahan confused Hun ki main kya Karun lump-sum invest Karun ya SIP Karu mere pass Lump-sum 3 lac rupees hai.. please advice me
Bhai itna long term hai toh fir lumpsum hi karo...SIP me return nai milega
*What if we planned to Invest for 3yrs and we took SIP of 1000 rupees for 3 yrs. What do you after completing 3 yrs ? Do we've to update it ?*
Great sir👍...Thanks for the information...There is never too late to start
Absolutely fantastic
high price par bhi agar khareeda fir bhi mf to long term ki baat hai n...ekhaad saal shayad negative dikha de...par long term mein faayda hi hoga ...kabi b invest karte hain to....
bahut badhiya explanation bhai jee
Hi sir ,very nice information kotak asset allocator fund kaisa hai usme lumsum investment kare ya sip, mujhe 5lakh invest karne hai plz suggest 🙏
Sip is best bro
You have cash so you can do lumsup for. More returns in less time
Me regular sip krta hu..lekin market do baar down gaya mene double triple sip invest kiya ...ab jyada profir pr hu 😎
SST dekh ke mujhe sasta sundar tikau yaad aaya
How we mention the nominee details in mutual funds apps
And how he or she withdraw invested amount after death of investor
You can mention name of nominee
#LLA
Main fisdom pai SIP kiya tha,,mera sip date over hoa jata hain or AMC 1862 rupees kat lia,iska solution bata to please
I am a regular viewer of your valuable videos. 1 week ago I have started an SIP of DSP tax saver fund through coin app. But later I found that it is IDCW Interim. As far I know, they will transfer some amount of dividend every month in my account. But I don't want to get any money like that. So what should I do now. Should I stop the sip & start a new one? Can I cancel the IDCW system? Plz reply.
Is saal mene ek mutual fund me sip kia to agle sal v isi me invest karna he ya dusra naye mutual fund me karna sahi hoga?
Plz rply
Kammaal ho sirji app...SO SIMPLE & SWEET 💥💥☝️☝️🙌🙌💯💯🙏🙏❤❤
Very Informative video. Got many doubts cleared in it..
Mere portfolio me 6 funds hai ....
1. Large cap
2. Malti cap
3. Mid cap
4. Small cap
5. Index funds
6. Liquid fund
Aur main 6 months se investment kar raha hu lamsum se. Abhi tak mujhe 74% ka return mila hai. Kya ye sahi hai?????????
In which mutual funds...Have u invested...Plzz tell me
@@unlimitednewz5915 axis, Parag parik, sbi, uti, icici
Ours is a bullish market and SIPs for a longer period of time will give you very less returns. In lump sump, even if you buy at an average price, after a five years of period you will get good amount of returns provided you in a good ELSS mutual fund at once. Just check all the mutual funds in the last 5-6 years, NAVs of all of then rose steadily, except few like Nippon India etc.
So for a long term wise decision is to invest lump sump. SIPs will give poor return for a longer period of time in a bullish market as your average cost price will keep on rising YoY.
Please make a video on investment vs loan repayment.
How much money to allocate in both things.
Its just as same like buying a single share for rs 1000 and buying 100 shares for rs 1000
Depends on company fundamentals
No not same
For lumpsum you need to be lucky or extremely talented to time the market
Mutual fund sip me koi charge bi parts hai kya matlab agar hum 2000 di sip karte hai to hamara 2000 ki sip hogi ja kuch charge deduct hoga pls reply sir?
SIP is a trap. Keeps the money rolling in for the AMC. Best is to buy manually on dips. It's your money and deserves your attention. Don't get fooled by these SIPS.
100% True
True 👍
Who understands the dip? Is the point. That's more of a luck
@@lakshmitejas1685 you know what I do? Let me tell you the first thing is that the equity market is not for the sleepy kind. The sleepy kind just dream....
Now for a start let me tell you I have SIPS working for me. I have 10 funds which I have chosen. All diversified. I use SIP only for accumulation of units. But the SIPS are of small amount. Just 2 thousand per fund. And I'm always on the look out for falls/ corrections. That's when I do my major investment. But I'm always watching everyday....waiting....and I keep money for mutual funds and stocks ...separately....ready for the opportunity...whenever it presents....I have similar SIP in stocks...where I accumulate every month...and am waiting for the operator games on weekly/ monthly expiry...corrections....bad news....whatever the reason to buy more...That's how it works.. if you can't do that.. you will only get average returns.. so be sharp....look sharp!
Not everyone is the next Warren Buffett.
Mutual fund kis finance me lgaye
Ye video bhot help Mili thanks bro
Market down ho to lumsum laga do....par market up ho aur investment karna hi he mutual fund me..to...SIP me laga do. 🙂
Sir lekin jab hum Groww App ke return calculator ko returns calculate karke dekhte hai tab Lumpsum ka returns SIP se jyada kyu dikhata hai ?
Because lumpsum invested upfront earns more returns. For example if you're going to get 1% on your investment, if you invest 100 rs a month , you'll get 1 re only in the first month, and on the next month you'll be earning on 100+101 , but if your invest the completed 1200 rs in the first month itself you'll get 12 rs, and then in the next month more return on 1212 rs. That's one way where lumpsum earns more than an SIP.
@@sagarmistry5920 so which investment we should do I am confused
@@romanreigns8184 sorry buddy, not an investment expert.
@@romanreigns8184 if u can go for lumpsum if can't go for SIP as simple as that
SIP is best option than Lumpsump.. Lumpsump is Beneficial only if you purchase at lowest NAV price. Grow Return Calculator always calculated on the basis of lowest NAV for marketing purpose. I had invested through lumpsum and not gained return as expected. Might be my bad luck.
Lumsum amount ke liye bhai stp better hai smart Stp b kar sakte hai jab market jayda down jaye to additional purchase b kar sakte hai
Groww pr acount kaisa h... Should i switch to zerodha
Hi, sir how r u
Mera ek sip 3 sal se chal rahi hai. Mujhe aur Rs.1500 per month invest karna he,
Toh, mujhe aapse yeh janna hai ki, mujhe meri existing sip me hi Rs.1500 ki top-up karna chahiye yah naya ek aur scheme main invest karna chahiye...
Please sir, reply jarur kare, I'll wait for your reply.
Thanks 🙏
I've one question here, if I do lump sum of 5k in each month for the same fund, is it same as sip? And is it a good idea?
Yes its same as SIP only. Its a good idea.
Par sirf index Funf me hi krna...
Y only index fund.
If it is large or multi cap ? Then it is ok?
@@bishnoi3362 bhai sip start kaha se kare or koi app or kis sip me investment kare ?
Investment isn't done for next day return or return after 1 year. No matter what you do, you are not going to get the most % of return any MF or stock have generated. Be it lump sum or SIP. If you do it for atleast 3-5 years. You are going to get decent returns.
Lumpsum bhi to kar sakte hai , 60k hai uske pass to wo sip ke sath 5k monthly dene ki jagah lumpsum 5k invest krlega , and khudse analysis leke jab market down ho tab krde invest , sip me fix date pr dalana hota hai jaruri nahi hai us din market low ho
I prefer for SIP..
With small amount !
No experience, anyways I try to invest...
this video has cleared my all finance related concepts
What if I have done SIP but when I saw NAV has dropped down I made additional investment of 5000 rs. So that extra 5000 rs would be considered as SIP or lumsum ?
Lumsum
lumpsum.. u will get more NAV units worth 5000 in ur portfolio
Kya sip mein fix hi invest krna hota h agar mein iss month hmesha se jyada paisa invest krna chahu to kya kr skta hu ??
@@deshdeepakpatel2055 modify kar saktein hai
@@ayushgautam9333 monthly modify kar sakte hai?
Lower/Higher NAV ki baat galat batayi.
Example:
Agar ek MF ki NAV 3 he, aur usme invest karte he toh apna pesa double hoga jab NAV 6 hogi, a difference of 3.
Aur agar MF ki NAV 100 he, aur usme invest karte he toh apna pesa double hoga jab NAV 200 hogi, a difference of 100.
NAV to increase by 3 is very much likely compared to NAV increasing by 100. Don't be fooled by % age increase of NAV. In both the above cases, NAV increased by 100% yes. But take a look at any funds history, you will see that their NAVs increase fast from 1 to 50, then the NAV increases very slowly. So, guys pick funds to invest at lower NAVs, but promising growth (Picking is up to you 😉)
Can I know how much difference would it be if I invest via a broker(how to find the chargers to compare between brokers) vs AMC, would highly recomend a detail explanation
TIA
Thank you so much for this video.
SIP is a trick designed by AMC for their benefit. Otherwise it is a stupid way of investment. As NAV is not important for return, lump sum investment is better.
Y lump sum is better than sIp ? Can u explain?? Please sir
Please explain your videos in English, we are from south India and we do not understand much hindi
I am using Easy Plan app very benificial and easy to use inspire from this channel and earning now
Awesome
Which easy plan app?
There are advantages of lumsum investment also
sip is better i did lumsum and market falled
@@vijaydas9747 If that lumsum is for long term then not to worry.I have done lumsum last year when nifty was nearly 12k but this year nifty almost touched 15k (within 1 and half year so much gain)
@Ekansh Narang There is no 'Interest' in SiPs
6000 company in this 10 to 50 company profit making.....
" buy @ low & Sell @ high" means always buy when market crash or correction & sell @ high......some company take 5 to 20 year to grow...
Bhai what about agar ham sure hi nahi ki next month SIP jama kr paye yaa nahi cause job uncertainties
ur sip will be skipped.
Nice explanation. I really liked it.
Japan's Nikkei Index hit 39000 in 1989 but never reached again. 32years later it's at 26500. Does Nifty 50 Index crash like this and never recover?
It's wrong video wrong information share sip sahi nahi he because aap ek price pe le rahe after month again sip jayegi ya to mehnga hoga ya sochta return bhi km milega agr
Apne lumb sump amount invest ek acha price lekar long time me wo return dega hi dega apke liye better he ek hi bar invest
This shows sip is Best 🙏
Sir. I want to know difference of sip Vs one time invest.
Like- 5000 sip per month..
Or- 5000 one time invest per month..
So please suggest.
Sip ka matlab hai aap her mahine ya her 3 mahine maine thoda thoda amount invest karte hain
Aur lumpsump ka matlab hai ek sath ek baar main
Ham agar kuvera se koi mutual fund lete hai to hame original documents kaise prapt hoga, agar kal ko Kuchh problems aati hai to ham kaha jakar Baat karenge?
Sir i jus wanted to know that one time investment every month in a single fund..vs sip on that fund..... Does they give same return.??
Absolutely not
Lumsum gives high returns as compared to SIP
Lumsum should be considered for short term financial support
SIP is beneficial for long term 15 to 20 years.
Lumpsum can be good deal if u are buying new bike or new car in a span of time. For eg. Invest in lumsum in desired mutual for couple of years and when u check ur principle amount it's almost more than half. This is good way to buy expensive things.
It's my opinion
Do your own research
Mai 17 mai hun 20 se suru karunga abhi study chalu hai🥰
Toh Jake par na
लॉन्ग टर्म में पैसा LUMSUM में बनता है ना कि SIP में. अपनी SIP को चालू रखिए लेकिन जब मार्केट गिरे तो LUMSUM जरूर इन्वेस्ट करना चाहिए