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Savings vs Investment vs Insurance | Children Insurance | Ram Prsad | Sumantv Money
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- čas přidán 10. 08. 2021
- #StockMarket #ShareMarket #Shares #Stocks #SumantvMoney
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యేమీ తెలియని నాలాంటి వారికి కూడ అర్ధమయ్యేలా అద్భుతంగా చెప్పారు ధన్యవాదాలు
Ramprasad garu you are straight farward
Suman tv Meru financial knowledge lo gem 💎 ni pattukunnaru..
Ram prasad గారు.... గ్రేట్ infirmation... Hats off. Thnq vishnu గారు.
one of the best financial advisor...you are certified Financial advisor for a reason sir !!!
Ram prasad garu one of the best CFP person. Excellent sir. Thanq vishnu sir🙏🙏
చాలా అద్భుతంగా చెప్పారు సార్. 🙏
jenuine information
ధన్యవాదములు
Best interview after a long time in your channel… thank You both sir, to review over insurance and mutual fund investments 👏👍🎁
So polished manner.
Need to know more about financial principles.
Chalabaga chepparu illainkkacheppadhi
Ram prasad sir told good information
Reality of insurance & banks savings
సార్ చాలా కరెక్ట్ గా నిజం చెప్పారు.
Very nice sir super 👋👋👋👋
Brilliant message
Excellent Sir 👌 Super Information Sir
Tq Sir
Superb analysis , hats off sir
Best Interview Sir
Good information sir. Greatly explained.
Simple and nice explaination sir
Good information sir
Excellent and proper explanation
Most of people will be knowing what's actually need to be done for kids
Purpose of Insurance explaned very well !
Mr Ram Prasad given right direction people who taking & searching different types of Financial instruments
His knowledge on financial planing will definitely helps the people to achieve their Goals with Proper asset classes
Please do continuous videos with ramprasad sir
Rightly said sir
Very useful information
Valuable Information 🙏
Excellent sir
super suggestions sir tq u
Super, explained
Good explained
Eye opener for the ones who wants to secure their children’s future with endowment life insurance plans which is giving negative real return
Thanks Sai Garu
I got super clarity on kid's investment plan.
Very nice video..thanks sir
🙏🙏🙏 thank u sir..
Exelent sir..💐💐💐💐👌👌👌👌👍👍👌👍👍👍👍
Good information sir.
Excellent Combination... Both are Icons
Super talk
Ee madhya ilanti videos chudagaane Rangamarthanda movie gnapakam vastondi
Super sir
Miru super Sir 🙏🙏🙏
Good information anna
Very detailed information.. it is very helpful to choose the right investment to achieve our target.. thank you sir..
Thanks Praneeth Garu
👌
Best financial video on sumantv...
Thanks Sunder Garu
Good morning sir
I have seen you vedios sir
Very informative and grat guidence for people like me middle class and salaried employees. Can I talk to you sir meet you sir iam from kurnool sir
Viewing first video on your channel, nice info, is it better to invest in index funds for 20 years with discipline
Super video
👌👌👌👌💯👍
Good explanation sir
👍
Supper
Super 🎉👌🙏
Ulip plans gurinchi kuda discuss cheyyandi sir
Sir please explain about sukanya sumrudhi scheme
సార్. HDFC Life గురించి చెప్పండి
Sir what do you say about JEEVAN UMANG FOR YEARS POLICY
విష్ణు గారు పిల్లల పెరుపై ముచ్యివల్ పండు చేయవచ్చా తెలియజేయగలరు.
Extraordinary sir ...good information
Thanks Ganesh Garu
🤝
Major risk in any product is forget about interest return but principal return.
Sensex at 53000 or at 80000 or much much higher!
Just see for the first time ever amazing data about Indian Equity Markets.
1. BSE completed 40 years.
2. There were around 10,000 trading days in last 40 years.
3. Observations on regular basis and positive and negative returns occurrences.
Frequency Positive Negative
Daily 53% time 47% time
Weekly 56% time 44% time
Monthly 61% time 39% time
Quarterly 64% time 36% time
Yearly 72% time 28% time
3 years 89% time 11% time
5 years 96% time 4% time
10 years 100% time
4. Bse Sensex delivered 15.5% CAGR returns over last 40 years.
5. Decadal returns dispersion
Period CAGR
1980-1990 21.6%
1990-2000 14.3%
2000-2010 17.8%
2010-2020 8.8%
6. BSE Sensex returns 15.5%. Add 1.4% average dividend yield of 1.4% of last 40 years. At 16.9% compounding the value of BSE is actually around 80,000 level.
7. Longest period without returns was from 1994 till 2003. 9 years in total.
8. Since 2002 in last 18 years NO single 7 years rolling returns were without returns. This means since 2002 if you ever invested and kept money for minimum period of 7 years then you would have never lost money.
9. But what is most surprising and rewarding has been the performance of actively managed equity funds. Here are the data:
Category 20 years 25 years
CAGR CAGR
Hybrid 15.17% 15.96%
Hybrid - ex* 16.37% 16.74%
Diversified 18.11% 16.25%
Diversified-ex* 19.89% 18.10%
ELSS 18.45% 18.20%
ELSS-ex* 19.66% 21.47%
All Funds 17.52% 16.41%
All Funds-ex* 18.73% 18%
* excluding LIC/JM/Taurus/Quant MF schemes. This mean schemes of HDFC/ Nippon (earlier Reliance)/ Birla/ ICICI Pru/ SBI/ Principal/ Canara Rebecco/ Franklin etc.)
10. BSE Sensex was at 3800 in June 1996 (25 years back). In last 25 years average-ex* MF delivered 18% CAGR. Had BSE Sensex delivered as much as average MF schemes then the value of BSE Sensex should have been:
At 16.4% CAGR, BSE Sensex should be around 1,70,000 levels
At 18% CAGR, BSE Sensex should be around 2,38,000 levels.
Thanks and Regards
Ram Prasad
Certified Financial Planner
9676877555
@@rpwealth205 Then why the caution-Mutual fund investments are subject to market risks.Why banks give loans and get NPA instead of investing in stock market.Why the government is not investing heavily in stocks to give pension to employees.
Please suggest which mutual fund is better for future
Postal life insurance 5 lakhs policy from 3 years.Per month 2000 rupees premium. Is it good to surrender and pay that amount for mutual funds is a good idea sir...
New couples should avoid 2nd child and save money for retirement .
Expenses increase with no of kids but not income.
Good one percent parents 🤣
Best term insurance plan cheppandi sir
My personal choice max or icici prudential.. .I took icici pru
Best term insurance company cheppandi
You may please call me sir, We can discuss and find best suited plan for you
Sir,
I am 53 years old. I have Rs.2 lakhs in cash. Where shall I invest which give me good returns. Please guide me.
Conservative (balanced advantage fund) mutual funds lo invest cheyandi.....
Debt funds lo 70%
equity lo 30%
Invest chestaru
So meku risk undadhu ....
Present Kotak and sbi Manchi returns vastunai chuskondi......
Market is at all time, is it right time to take mutual funds
Sensex at 53000 or at 80000 or much much higher!
Just see for the first time ever amazing data about Indian Equity Markets.
1. BSE completed 40 years.
2. There were around 10,000 trading days in last 40 years.
3. Observations on regular basis and positive and negative returns occurrences.
Frequency Positive Negative
Daily 53% time 47% time
Weekly 56% time 44% time
Monthly 61% time 39% time
Quarterly 64% time 36% time
Yearly 72% time 28% time
3 years 89% time 11% time
5 years 96% time 4% time
10 years 100% time
4. Bse Sensex delivered 15.5% CAGR returns over last 40 years.
5. Decadal returns dispersion
Period CAGR
1980-1990 21.6%
1990-2000 14.3%
2000-2010 17.8%
2010-2020 8.8%
6. BSE Sensex returns 15.5%. Add 1.4% average dividend yield of 1.4% of last 40 years. At 16.9% compounding the value of BSE is actually around 80,000 level.
7. Longest period without returns was from 1994 till 2003. 9 years in total.
8. Since 2002 in last 18 years NO single 7 years rolling returns were without returns. This means since 2002 if you ever invested and kept money for minimum period of 7 years then you would have never lost money.
9. But what is most surprising and rewarding has been the performance of actively managed equity funds. Here are the data:
Category 20 years 25 years
CAGR CAGR
Hybrid 15.17% 15.96%
Hybrid - ex* 16.37% 16.74%
Diversified 18.11% 16.25%
Diversified-ex* 19.89% 18.10%
ELSS 18.45% 18.20%
ELSS-ex* 19.66% 21.47%
All Funds 17.52% 16.41%
All Funds-ex* 18.73% 18%
* excluding LIC/JM/Taurus/Quant MF schemes. This mean schemes of HDFC/ Nippon (earlier Reliance)/ Birla/ ICICI Pru/ SBI/ Principal/ Canara Rebecco/ Franklin etc.)
10. BSE Sensex was at 3800 in June 1996 (25 years back). In last 25 years average-ex* MF delivered 18% CAGR. Had BSE Sensex delivered as much as average MF schemes then the value of BSE Sensex should have been:
At 16.4% CAGR, BSE Sensex should be around 1,70,000 levels
At 18% CAGR, BSE Sensex should be around 2,38,000 levels.
Thanks and Regards
Ram Prasad
Certified Financial Planner
9676877555
నాయనా యాంకర్ గారూ ...రామాయణం అంతా విని ఏది మంచిదో అడుతావేంటి ??? Needs knowledge person for anchoring
Ivvanni bokka brose bhoomi medha pettandi me dhaggara entha uvnte anthe dabbhulatho konnadi rerunu choosi konadi ammandi 20 yers li kaneesam padhulanudi vandhala retlu vasthadhi inceuerence bokka anthe ejentlu do bathakadaniki thappithe janalaku uvpayogam ledhu
Okay meeru insurance teesukokandi.. teesukone vallani chedagottodhu 🙏
Thersukoku analedhu kani dhanikanna bettar apoiotion Bhoomi meedha pettsli annanu meeru inceurence egente arthamaindhi bro
Nenu konna bhoomi kabja lo pyindi
Adhi Ni thappu plotnu choosukokapovadam
భూమి kone అంత amount ఉండని valla పరిస్థితి ఏంటి
lol mam
Mutual fund lo
10years pay chesi
Taruvatha
Amnt stop chesesi
After a long gap i.e., 20 years taruvata tesukonte amnt lo emaina ekkuvaga vastunda
Cheppagalaru
Vastundi sir, mee investment every 6-7 years ki double avutundi
Let me know about gold investment plans like lalithaa jewelry FLEXY O FLEXY