Asset Types and Allocation / சொத்து வகைகள் மற்றும் ஒதுக்கீடு

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Different asset types in India and US market are explored along with their risk, return potential and recommended allocation in this episode in Tamil. Understanding different asset types help in making certain financial decisions now to achieve our long term financial goal.
Following Questions are answered:
1. If "Cash is King", how much cash can I hold at any point of time?
2. Is "Gold" good investment?
3. How much Stocks and Bonds exposure recommended?
My other Related Videos:
Power of Compounding: • Power of Compounding (...
Building Wealth Series: • Building Wealth Series...
Financial Freedom: • Financial Freedom / நி...
Understanding Sharemarket: • Understanding Share Ma...
Mutual Funds, Index Funds and ETFs: • Mutual Funds, Index Fu...
Recession Explained: • What is Recession? / ப...
Investment Insights: • Investment Insights - ...
LinkedIn: / vijay-mohan-sn
Twitter: / invstmntinsght
References:
Indian Inflation Chart:
www.theglobaleconomy.com/Indi...
Good Read on Gold Investment: awealthofcommonsense.com/2015...
Historical Gold Price Chart: www.macrotrends.net/1333/hist...
Historical Gold Price in India:
www.bankbazaar.com/gold-rate/...
Historical USD to INR exchange data:
www.investing.com/currencies/...
India Housing Index:
residex.nhbonline.org.in/
Case Shiller US National Home Price Index:
fred.stlouisfed.org/series/CS...
Indian Stock Market Return:
www.theglobaleconomy.com/Indi...
DISCLAIMER:
The content of this video is my own opinions and is for information purposes only. It is not intended as a substitute for professional financial advice. It is only intended to provide education about investments.
#VijayMohan #InvestmentInsights #BuildingWealth

Опубликовано:

14 мар 2020

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Комментарии : 149

@KanagarajNarayanasamy 3 года назад

gold rate in US dollars against rupees makes me think more about gold investments. thanks sir!!

@happysaving4042 3 года назад

Clear explanation!! Your channel will grow bigger heights...

@InvestmentInsightsTamil 3 года назад

Thank you. Glad you liked the content.

@mvijaysendhil10q 3 года назад

@@InvestmentInsightsTamil Hi Sir, do you have any template to check the financial planning/level of individuals.

@priyagopal5665 3 года назад

@@InvestmentInsightsTamil rte r trmememerrrmeereerbbb bbn

@gilly0770 2 года назад

Excellent content. Could you please do a video on building monthly Dividend paying portfolio as part of asset allocation in US ? I have read about turning ON reinvesting dividend till we retire and turn off after retirement to live off monthly dividends combining with 4% withdrawal rule.

@ramracing2 3 года назад

One of the best financial channels in Tamil. Very clear and easy to understand explanantion.

@justbe3708 3 года назад

very clear, if we study the same subject in the book, it may take more than a month for the average man. The valuable book content is given as Juice here. Thanks to you.

@Maranchezhiyan 2 года назад

Asset allocation onu earukunu unga video pathu than thayrnjuketan THQ sir,eappa than unga channel play list pathuketurukan,kandipa en family members kandipa teach panuran

@tthahseenali 4 года назад

Thank you so much! Simple and effective explanation.

@annyimm 2 года назад

Am from science background,I know nothing about investments now am learning and your's is good in Tamil. Thank you sir.

@saravan432 3 года назад

Excellent explanation of asset classes and a perfect summary.. good job 👏 👍🏻

@VijayakrishnaAM 3 года назад

Wow sir! most underrated RU-vid channel !!plz do more and more videos I became ur fan

@vasantgoal 3 года назад

எனக்கு நிதி நிர்வாகம் தொடர்பாக அறிவு இருந்தாலும், நீங்கள் விளக்குவது அருமை, இன்றைய நிலை Asset allocation பற்றி உணர்த்தியுள்ளது. தற்போதைய சூழல் விவசாய நிலங்கள் மீது மரியாதை ஏற்படுத்தியுள்ளது, இதையும் Asset allocation ல சேர்த்துக்பொள்ளலாம்

@mvijaysendhil10q 3 года назад

Very impressive information. Explaining like a friend/bro/dad. God bless you sir.

@greenthumbs9129 3 года назад

Very informative session for Tamil audiences. Great work.

@raveendhranathp5758 2 года назад

Excellent content. Engaging style. Great usefulness. Thanks s ton!

@usilaikirusthavan2869 3 года назад

மிகவும் பயனுள்ளதாக இருந்த து ஐயா

@ebenezerbenedict3076 3 года назад

Very good information Sir. Thank you for the guidance. Good comparison between US and India.Thank you 🙏

@KishoreKumar-ql1pe 3 года назад

Clear and Simple explanation. Thanks

@jayasakthibharaneedharan5539 3 года назад

Very clear explanation sir...nowadays your videos are my favorite...we got better understanding but i don't know how to implement this in real life situation....For middle class people how they implement in our life.. Make videos for us sir.. Thank you...

@harshinibansi9686 2 года назад

Thank you sir! Lots of gratitude to you

@muthuswamy5449 3 года назад

Thank you sir it's more valuable for youngsters like me

@karthickc1988 3 года назад

Nice explanation sir👍. Very good tamil . No so much fancy words. All are real words from yours experience 🙏

@abimanyu2047 3 года назад

நன்றி.. ❤️

@WeThePower 3 года назад

Awesome work sir

@sridharj8303 2 года назад

Good explanation and its helpful to us

@kamaleshmanogaran5853 2 года назад

Seriously you are best teacher ❤✌

@pdanielrajr 4 года назад

super sir professional teacher

@vasudevansivalingam8494 4 года назад

Great info 👍

@purushchennai5253 4 года назад

Sir your video good its useful 👍. I want more videos for middle class people best investment plan.

@painreliever1728 3 года назад

Gold return info really good

@balasubramanian2931 9 месяцев назад

Good content thalaiva!! Refreshed!

@jaffera3756 3 года назад

Great job. Do more videos....please

@SURENDHIRAN369 2 года назад

Clear Explain...

@balacool1 Год назад

I think In India real estate is depends on location anna. In city its not giving much return but in many village area now its giving double income in 5 years

@gurukphatty 5 месяцев назад

Sir. Iam following your channel for the past 2years and my investment knowledge grew from 0%to 50%.I should say.Thanks a lot for inspiring and showing us this path..and also I start my investment journey with lndex fund Since 6months .

@InvestmentInsightsTamil 5 месяцев назад

👏🏽

@btthiyagu 3 года назад

Good video sir..How to buy ounce of gold bar in US? How much need to pay for customs if we carry it to India?

@SURESHBABU-cx2jw Год назад

excellent info.

@kaasupanam619 4 года назад

thanks and subscribed

@Sikkender02 3 года назад

Hi Very recently i started to watch your channel. Very informative and lead me guide some finance discipline steps. Please share more videos... Very informative.. highly appreciated...

@InvestmentInsightsTamil 3 года назад

Glad you find it informative.

@jeshraw 3 года назад

Clear presentation Sir....Thank you..

@InvestmentInsightsTamil 3 года назад

Thanks and welcome

@vigneshramesh9901 3 года назад

Thanks sir

@AXH24 3 месяца назад

Thank you

@rajuganesanpillai7060 2 года назад

Thanks 🙏🙏

@mgvinod2k 3 года назад

Real investment insights , outstanding analysis and explanation . A big thank you for all your efforts & time for sharing such a wonderful information which makes layman to understand better than jorgans.

@InvestmentInsightsTamil 3 года назад

Glad you find it useful.

@sivanatarajan4874 3 года назад

Excellent explanation 👌👌👌

@InvestmentInsightsTamil 3 года назад

Glad you liked it

@mahadevk868 2 года назад

sir, In the asset allocation, you didnt mention PPF and NPS in india

@vmuruganmurugan1131 2 года назад

Super sir

@Venkatesh_J Год назад

Thank you anna

@PremKumar-oq2wl 7 месяцев назад

Nice

@AsafSamsudeen-hq8rn 11 месяцев назад

Great

@karthickparameswaran4993 3 года назад

vijayji , will be helpful if you cover how to buy bonds in india and usa in topic , whereby as a non financial person if someone needs guide on how to check for bond list and how to but and what process and dependencies are there.. looking forward for that video

@InvestmentInsightsTamil 3 года назад

Good suggestion.

@sivamurugesh7737 3 года назад

Dear Mr Vijaymohan Sir, Thanks for your insights and it a big eye opener for ppl like me to know about stock market. one thing u keep stressing about index funds. How do think index fund growth in India,as you explained the Indian index is having more narrow dips when compared to US. When I read some of the articles they are not talking postive about index funds and they say frequent dips or narrow will offset the growth. Pls share your insights....... A big thanks for your service and I wish your channel grow great heights....

@InvestmentInsightsTamil 3 года назад

Those articles must be sponsored by mutual fund industry.🤣 India is an emerging market and so it will be lot more volatile compared to US. But then also it means, it has more potential to grow in long term. I would say, do not worry about the dips. Invest for long term. As I said in "Risks in Index Fund", the dips not matter in long term.

@sivamurugesh7737 3 года назад

@@InvestmentInsightsTamil Thx for the response

@kgopala 2 года назад

Sir, REITS fund is available in India?

@sujatharavikumar3720 3 года назад

What about NCD investments Sir Please help me

@KarthikeyanRamaswami 3 года назад

US-REITs cannot be classified as High Risk. VNQ Vanguard Real Estate REITs ETF quoted as (4- Risk Rated = Moderate Risk).

@DividendIncomeBloodhound 4 года назад

Real estate and stocks for me are the best.. but this is all great information again! Dropped you a sub

@siraj6282 Год назад

Hi Vijay sir, i am 36 years old, i will achieve my 25x annual expenses when i will be close to 40. I want to know your ideas regarding what percentage should i have in bonds and stocks after getting to the 25x, having 60 percent in stocks seems a bit risky for me...I am looking to quit my job after achieving 25x [for personal reasons]. Your inputs will be much appreciated. Thank you.

@004vyom 3 года назад

Hello Vijay Whats your take on Sovereign Gold Bonds in India.. I thought it is worth investing in it for 8 years since Gold rate has always been on the rise.. But this video jeopardised my thoughts!!

@maheswaranr7193 2 года назад

Hi Vijay..i have a doubt in retrns % calculation. Considering I have 2 FDs, I can think like the total amount from the sum of 2 FDs would give a return of 8 to 9% But if I have 1 mutual fund and 1 index fund, how to consider the annual return from these 2... Should I consider 13 to 15 % for each of them or something different ?

@sivag2032 Год назад

If it is one time purchase it is pretty similar.

@timetravellor5558 3 года назад

Super explantion sir. Sir, also please explain how to buy rental income property

@InvestmentInsightsTamil 3 года назад

Glad you liked it. I am not really a Real Estate expert. Can't really share much on rental income property. Sorry.

@sriharij4596 2 года назад

Great video once again. Do you have a video covering Indian bond market. There isn't much resources available about Indian bond market.

@InvestmentInsightsTamil 2 года назад

I do have a video about Bonds in general. Check, "Share Market /Bonds" playlist.

@sathish2song Год назад

Your vidoes are amazing. After I watched your video, I bought some ETF from your excel.Where can I buy index fud ? If you can explain difference between buying ETF and Index will be very helpful

@InvestmentInsightsTamil Год назад

They are essentially same. For long term investment, it is no different. You are fine with ETFs.

@ajayb8730 2 года назад

really you're a gem to all sir. do more content pls

@navine1088 3 года назад

Sir, after watching all your videos, Is it still required for us to approach a financial advisor? (I am taking notes of your videos)

@InvestmentInsightsTamil 3 года назад

It depends on how comfortable you are with handling financial stuffs by yourself.

@vsk78 4 года назад

👍

@goldstarracademy5553 3 года назад

Sir, Could you please share your portfolio in percentage??

@vasudevansivalingam8494 4 года назад

Is it advisable to keep emergency fund in money market?

@InvestmentInsightsTamil 4 года назад

Sure. Definitely better than having it in checking account that is not earning any interest.

@yuvaneshmadrassomasundaram189 2 года назад

Do you recommend investing in Indian real estate (Chennai) while we are in the US? Any pros and cons related to this Thanks!

@InvestmentInsightsTamil 2 года назад

I don't. That does not mean that it is not recommended. It is personal choice. Do it if you like that.

@manikandannatarajan6833 3 года назад

Hi, you have said bond index fund. I am not clear on this. Are you talking about buying bank bonds / corporate bonds or bond funds (i.e. mutual funds) ? The reason I am asking this, last year I bought some tier II bank bonds. If you give some light on this, it would be great.

@InvestmentInsightsTamil 3 года назад

I meant bond funds.

@manikandannatarajan6833 3 года назад

@@InvestmentInsightsTamil மிகவும் நன்றி

@Bharani204 Год назад

Sir what is allocation

@rajukamal 2 года назад

Hello Vijay guru, What is your take on investing in index funds in India vs US? If we can expect 16-18% returns in India, do you expect 10-12% returns in US + rupee depreciation beat the index funds in India?

@InvestmentInsightsTamil 2 года назад

No one knows how the future is going to be. I would suggest to have both the exposures.

@rajaramsuganya Год назад

@@InvestmentInsightsTamil I think where we are going to live matters

@chandraprakashmc7741 2 года назад

Sir clear classification.. one question.. I see many places u mentioned long term in stock market... So what's the figure value of this "long term"..

@InvestmentInsightsTamil 2 года назад

More than 7 years.

@chandraprakashmc7741 2 года назад

@@InvestmentInsightsTamil ok sir thankyou

@suguind 3 года назад

Sir thanks for your valuable information kindly talk about cryptocurrency

@InvestmentInsightsTamil 3 года назад

Watch the Bitcoin series in this channel.

@drajeshmail 3 года назад

Vijay Mohan, In USA, Does paying mortgage considered as real estate investment . Also mortgage 15 years vs 30 years tenure, your feedback on that pls .

@InvestmentInsightsTamil 3 года назад

It is better not to see that as an investment, but as an utility for our stay. 15 vs 30 - totally personal choice. 15 - if you do not like to be in debt for long. 30 - if you think 3% loan is very cheap for paying it off soon.

@sangeethaselvaraj1949 2 года назад

@@InvestmentInsightsTamil Sir for FIRE you mentioned to have corpus of 25X or 30X. In that can we consider the value of our house too if mortgage is completed.

@InvestmentInsightsTamil 2 года назад

@@sangeethaselvaraj1949 Sure. But it is better to exclude illiquid assets as we will not get cash flow from it after retirement.

@sangeethaselvaraj1949 2 года назад

@@InvestmentInsightsTamil Got it Sir. Thank you so much for clarifying.

@sathya08 4 года назад

What are the trading apps in India with zero commissions? Like in US we have Robinhood and Webull!!

@InvestmentInsightsTamil 4 года назад

I am not that familiar with Indian brokerages. But I am hearing lot of good things about zerodha.

@yokanandthirupathi9087 4 года назад

@@InvestmentInsightsTamil I recently came across Kuvera. It is also good. Zero commission and we can do direct investment. I'm investing in index funds using this app. But, still buying stocks or bonds are not possible. It is suited for Mutual fund investments.

@shanthir7741 3 года назад

We are investing as you said in all aspects. But we don't have enough knowledge about stocks. How can we invest in stocks. I need your help sir. 🙏

@InvestmentInsightsTamil 3 года назад

Do not invest in individual stocks. Stick to Index fund. You do not actually need anything more than that.

@sathya08 4 года назад

Do you have REITs in India ? If yes what are they?

@InvestmentInsightsTamil 4 года назад

REITs are at early stage in India. I see just Embassy Office Parks as listed REIT in India: ir.embassyofficeparks.com/investors/investor-overview/default.aspx

@rajukamal Год назад

I am revisiting these videos and had a doubt Vijay guru. Would you consider retirement funds like 401k, PF in your asset allocation? I am asking because one has to make decisions like contributing to after tax 401k vs other assets.

@InvestmentInsightsTamil Год назад

Yes, definitely.

@rajukamal Год назад

@@InvestmentInsightsTamil Thank you for the response.

@BLACKMEN-hy2kp Год назад

👍❤🎉

@baskarm4636 2 года назад

👍👍👍👍

@KanagarajNarayanasamy 3 года назад

sir is it possible to buy US bonds in INDIA??

@InvestmentInsightsTamil 3 года назад

I believe you need International (Global) account to buy US bonds. Fees could be hefty.

@KanagarajNarayanasamy 3 года назад

@@InvestmentInsightsTamil thanks sir 🙏

@adhithyagovindasamy1675 2 года назад

How to invest in Bonds...? In which platform

@InvestmentInsightsTamil 2 года назад

Buy debt funds rather than individual bonds. You should be able to do it just like the equity mutual funds.

@adhithyagovindasamy1675 2 года назад

@@InvestmentInsightsTamil Thank u

@freshfilings 3 года назад

Hii sir.. in which financial firm u had ur career..?

@InvestmentInsightsTamil 3 года назад

Check my Linked in profile.

@freshfilings 3 года назад

@@InvestmentInsightsTamil Unga Tamil keka romba nalla irukku sir.. Unga knowledge share panrathukku romba nanri...

@arvindhemamalini 2 года назад

Can you explain about bonds in a video

@InvestmentInsightsTamil 2 года назад

It is already in the channel. Check Share Market/Bonds playlist.

@nanthakumar5084 3 года назад

Sir How to contact you? Sir small small doubt sir

@InvestmentInsightsTamil 3 года назад

Send me an email to vm.investment.insights@gmail.com

@sameerahamed1456 4 года назад

Bro index fund video poduga

@InvestmentInsightsTamil 4 года назад

Its already there: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-tfNXTl64HK8.html

@lakshmanansm6162 3 года назад

Sir I will meet you sir?

@babuanandarajduraipandian610 3 года назад

Sir Is there any tax or fee need to pay while withdraw money from mutual fund? Pls clarify.

@rajasankar5905 2 года назад

Neenga osho follower ahhh!!!!

@InvestmentInsightsTamil 2 года назад

Yen?

@RamKumar-so7sr 3 года назад

Subtitles neraya edathula chart details ha marachiduchi next time atha konjam adjust pana parunga But content worth 🔥🔥🔥🔥🔥

@InvestmentInsightsTamil 3 года назад

Subtitles is overlay on video. I cannot control it on where it displays. If you are Tamil, disable the subtitle and watch without it.

@RamKumar-so7sr 3 года назад

@@InvestmentInsightsTamil ✌️

@IronMan-hg4vx 3 года назад

All your videos are very good but one negative feedback... Neenga adikadi america pathi pesuringa it diverts us and losing track, relate pannika konja kastama iruku... I hope your target audience is indian tamils.

@InvestmentInsightsTamil 3 года назад

Target audience is Tamils, both in Tamilnadu and America and also anyone who dont mind reading english subtitles. America ku vara first generation makkalaana engala maathiri patta aatkaluku, financial guidance kodukka yaarumey kedaiyaathu. Athunaala thaan oru concepta explain pannum pothu, athu yeppadi America ku fit aahum nu sethu solren. Ungalauku relate panna kastum nu enaku theriyum. Just antha parta skip pannikonga.