Shankarnath is by far the only person who talks about investing,personal finance etc and actually makes sense. No buildup no exaggeration and most importantly high level of knowledge which sets him apart from other so called finfluencers. Thank yo so much for invaluable guidance. His content is actually a great framework to start with our research.
So nice of you. Over time, I'm certain not all videos will be bangers .. but I hope you (& everyone) are able to pick up 2-3 nuggets of information in every video and able to apply it in your own investing framework. This is how I myself am learning and I can see marginal shifts on a frequent basis in my own methodologies.
I generally do not press like on you tube videos howsoever good they are but your thumbnail, research , content is of another level .i couldn't stop myself from liking your Content
Thank you Abhinav. Further: video content creation is not easy. My editor & I use 35-40 hours to produce a 15-minute piece. This includes researching, scripting, revising, pre-shoot planning, recording, post-production, description, thumbnail, commenting etc. This is the case with many more content creators whose work requires anywhere from 10 to 100 hours of effort. Appreciate if you can reconsider moving from a "won't like" to atleast "like if deserved" policy. This way, the good videos get that appreciation they deserve which keeps them going. I am unable to post a picture on RU-vid replies .. I keep a small printout I keep with myself that continously reminds me to appreciate atleast a few good deeds on a daily basis. Here's what it reads: HOW TO SUPPORT ANYONE - Write an unconditional, positive review: $0 - Tell your friends and family: $0 - Follow them on social media: $0 - Engage with their posts: $0 - Encourage them: $0 - Give them a shout-out: $0 I have been the recipient (and giver) of good deeds from hundreds of magnanimous people and in many cases, it just started with $0 appreciation Just something you reminded me of, Abhinav. Thanks again for your kind appreciation!
Shankar, I own small business with 9 staff and I have created 5% profit share of the business for staff which will be paid to them when they retire or later after 20 years I have been accumulating cash for last 4 year and didn't know what to do. This video really helped to invest peacefully and my staff and I are extremely grateful for this video
All the other finance influencer should take a bow, we understand that catchy thumbnails garner more views but honestly everyone is tired of seeing their weird posed facial expressions, and here is Shankar, videos are data driven, very objective, and man the Thumbnails!!!!!! class apart :)
As I have said many times already, love your content idea. You pick up the topics that no other is doing and you present it so well that even a layman could understand. Thanks for educating us again with insightful content. Much appreciated 😊👍
I appreciate that, Sachin and glad you are liking it. It's a reflection of the way I learn myself .. every video is aimed at putting across 2 to 3 important points. Over 30 videos, I have 50-60 thoughtful areas which can be applied interchangeably to improve one's investing process
Sir I also started my journey of investing recently and I can see the confidence you give to us with your data points and information which is quiet real and interesting. Thank you for being that scientific analyser we were searching in this field and letting us take a well informed decision on a life long journey. Thank you so much💯🙏
Wow, looks like I've missed out on quite a few videos over the past few weeks. This was quite an interesting video like the Peter Lynch one. A lot of learnings from both. Also you seemed to have read my mind when suggesting that you'd create a separate video on rebalancing just as I was thinking about it. One thing I'd like you to consider is how could someone with a debt heavy portfolio do rebalancing. Given that for most new investors starting out, parents and family often have us invest in fixed income instruments such as PPF etc which causes the portfolio to be debt heavy from the beginning. Thanks Shankar for such informative content!
Really a very insightful video once again.. Congrats to the team for creating such great content. Financial literacy is the need of the hour..U r doing great job..
Wow! I mean your videos in your channels like summery of what i have learnt in last 6 years about personal finance and wealth management at the age of 23. And worth the time watched rather than the noise and fomo youtubers are creating. Love you please make more such videos. My love and support will be always with you. But one question still exist that how can we rebalance the portfolio if invested in long term instruments such like bonds in a time where interest rates are appreciated.
Shankar Sir you should start your own small case. A lot of people would invest and make the most of the market. Fabulous content with equally great presentation.
Hi Shankar , Congratulation onceagain for an interesting video. You have worked really hard and smart . Personally I am not in favour and neither I am attempting so many strategies. My simple conviction is that when an equity portfolio gives 15 % per annum over long period despite all volatilities, why not invest systematically and keep on investing- because over longer period the growth curves gets straight , parrelel to the x axis , the y axis being 15 % above the x axis ,the variations being barely apparent . The recent interview of Ruchir Sharma also suggests that the volatile periods would get shorter and shorter in times to come, as witnesses from March 2020 onwards. So for equity investors in India more share for equity than Debt is my opinion.And I am entitled to it!
Most welcome. Yes, it's a matter of comfort. In my case, I have divided my corpus into different goals and employing a different strategy for each i.e. my output determines my inputs. I'm sure you have your own reasons, thx for sharing your opinion.
Saw a led zepp reference, insta-subscribe. Excellent video thank you - I was thinking on wether the All Weather Portfolio could be further optimized and this video answered it superbly. I'm also learning nowadays about India ETFs because amazing country
Once again awesome content Shankar sir. Your videos are like a 'must watch' movies, with important message told in an interesting way.. By the way one doubt.. how do you compare ETmoney genius portfolio with All weather portfolio, which also allocates in equity, debt and gold. Thanks
Hello Santosh, I tried English sub-titles but it robbed the shayari of it's meaning, intent & expression. Somethings sound better in the original language .. like hearing AR Rahman's pudhu vellai mazhai (let's not start with the sub-titles there; I was watching Roja yesterday)
Sir I am big fan of your videos and your way to explaining everything in details. I think you missed multi assets mutual funds schemes by many AMCs which can also be a part of porfolio.
Sirji, description tags hiding actual tables content, use transparent colour words to get content visible clearly. Great work by you as always and quality contents.
Thank you for a really nice explanation. This was an amazing watch Sir!! My question is, will this all-weather portfolio be suitable for little more active people who can manage their money efficiently? I mean if someone can hedge when market is going down or something like that?
Most welcome. Nothing stops smart investors to break into different goal buckets. For wealth creation, go aggressive. For wealth preservation, fixed deposit. For conservative growth, all-weather etc. I personally have 3 different goals and I use 3 different allocations/investing strategies
Thank you @Shankar Nath for yet another insightful video. I had a comment about using Balanced Advantage Fund being used as a way to build all-weather portfolio. As per SEBI definition, BAF needs investment in equity/ debt that is managed dynamically (0% to 100% in equity & equity related instruments; and 0% to 100% in Debt instruments). This does not mandate to invest in other asset classes such as Gold and Commodities. From that perspective, would 'multi asset allocation funds' (defined as Investment in at least 3 asset classes with a minimum allocation of at least 10% in each asset class) be better - where you get exposure to gold and other commodities as well by mandate?
Most welcome, Ajay ji. Yes, you are right .. BAF is equity/debt while Multi Asset has 3 or more asset classes. There is some overhang in me from pre-reclassification days when we used to club DAA/Multiasset into a single category. But true, a multi-asset will be a more worthy comparison point.
Again one of the best Things r more attractive than ur previous chan el videos Small suggestion U can talk more of basic videos like mutual funds PPF ELSS in ur channel too👍
Great, insightful video! You mentioned Balanced funds but I think Edelweiss & ICICI balanced funds don't invest in gold/commodities .i may be wrong so will check again
Hello Shankar. Everyone talks about investing. Most people do not talk about how to withdraw money from our investments effectively, or how to manage huge corpuses. Can you please make a video on that ? Or if it exists, please attach a link
Thanks for the suggestion. Pls watch my video here (ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-dJlRl0aJX3I.html), towards the end from 14 mins and 42 seconds onwards
This is really great video sir, but I still believe one who has achieved wealth should preserve and follow this approach as snowball effect will give huge return if one has 1 crore but if one has to build corpus, he/she should have high exposure maybe 78%
Interesting, I guess it will be a good idea to move NPS investment based on this idea, may be after 50 years of age to these allocations, Scheme E-30%(Equity) Scheme G-50%(Government Bonds) Scheme C-15%(Corporate Bonds) Scheme A-15%(Alternate Investment), Would love your insights on this @Shankar...
Thank you. The all-weather portfolio requires a rather high proportion in non-equity (70%) .. I don't think any MAF complies with that. From what I have seen, multi-asset funds are equity centric. Infact, for most MAFs, their primary condition is to have 65% in equity or equity related instruments so that taxation is lower. They do this to keep investors and distributors happy but this is just optics I feel.
Ray Dalio was saying all over not to buy bonds when they we’re getting hammered particularly long term bonds , I don’t change much but even I changed it to ultra short bonds
Can you please analyse the following hybrid aggressive funds for better returns ? 1. HDFC Balanced advantage fund 2. Quant absolute 3. ICICI debt & equity funds
Hello. I've not analysed this scheme. Will circle back when more info is available at my end but the nature of multi-asset funds in India is very different from what Ray Dalio is saying. Most multi-asset funds I have observed are equity heavy as they try to maintain 65% in equity in order to come with the equity taxation loop
How can I buy you a coffee mate? I've one more request - for the DIY all weather setup, can you share what if the returns you shared were exclusive of ETF fee's? If so, can you suggest stratagies to go about building fresh positions to setup a AW portfolio.
Hi Sandeep ji 1. You can use the "Thanks" button on RU-vid 2. The ETF fees for each scheme is approximately: a) Nifty 50 : 0.20% b) Bharat Bond : 0.05% c) Other Bonds (G-Sec) : 0.20% d) Gold : 0.50% In that regards, we're looking at an approx. 0.25% expense knock-off from the index returns
Just a note: The commodity ETF that you've mentioned contains only companies that are from commodity sectors and would be somewhat correlated with Nifty's which defeats the purpose and equity gains 30 + 7.5 %. So, In India, I'm yet to find a real commodity holding.
Hi, I have provided yearly data in the video. But if you want specifics, please check that out on niftyindices.com .. there is a lot more detail there.
Sir, My portfolio has 80% equity (Multi and Flexicaps), 10% (Arbitrage fund), 10% (Liquid funds).. I am planning to increase my allocation to Arbitrage funds (Good down side protection & better taxation)
Shankar Sir, i am 26 yrs old, have started investing in MF from 2021 may. I will keep investing for next 30 years and primarily my focus is long term huge wealth building. I am 100% invested in equity. I have noticed that gold funds are recently performing well. What should be my ideal asset allocation ? I am not bothered by volatility, even it gives me an opportunity to invest in bulk. What should be my asser allocation ??? Please guide me 🙏.
Hello Gourab: If you are expecting to receive an asset allocation ratio then unfortunately, there is no answer to this question in any book or video. And that's because the allocation can & will change according to your investment mix, the growth of particular asset class, the goals you have defined, your risk tolerance per goal etc. As an example, may I suggest you watch a video I released recently on this very subject: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-bN5QdxY3RVs.html .. now when you watch this video, don't do it in terms of what the numbers are (if you do that, you'll be making a big mistake because keeping everything apart you are 26 and I am 42). Instead try to understand the process of how I arrived at my most comfortable asset allocation mix. Ofcourse, if you need some help, you might want to engage a financial advisor but IMO as long as you don't ask for an answer & focus more on the questions & inputs, it will help you more
Hi. I haven't analysed my ET Money Genius portfolio for many months now. It must be doing well and anyways as I said in another video, I am not in the habit to flipping schemes. A lot of my SIPs are running for 4-5 years.
Icici Baf does not have gold allocation I thought unlike multi asset fund. Correct me if I am wrong. Anyway thank you for such infomative videos and the captivating thumbnail everytime
Hey Shankar, nice content. I want to ask since you have left et money, would you still recommend et money genius?? Ps- I had joined because of you,since you have left I see no point in continuing. What say you?
Thx. I haven't analysed my ET Money Genius portfolio for many months now. It must be doing well and anyways as I said in another video, I am not in the habit to flipping schemes. A lot of my SIPs are running for 4-5 years.
You can always look at a) mutual funds (10Y constant maturity/ long duration GILTs), b) ETFs (Bharat Bonds across maturities) or c) buy bonds directly via the RBI Retail Direct platform
Sir can you share the Smallcase that you created or ETFs which you selected. Because the Smallcase which I created using mentioned ETFs generated 2% return in 1 Year.
I didn't make one, Shardul. I have only a couple of smallcases that I tried (managed and created by some fund manager) but not very active with it at the moment.