I hope you liked this style of content. I have tried to model it around the Socratic Method of teaching which is based on asking probing questions to the student. This discussion/solutioning approach allows for more alternatives and also puts forward the underlying beliefs that shape the student's views and opinions If you liked this video, then do show your ❤ by tapping on the like button. Would love to hear from you via the comments box on which questions you liked the most or if you have an alternative viewpoint Further if you come across any such analytical+behavioural question that can be a part of this video type, then please email it to me at hello@beginnersbuck.com. I would love to include it in Kaun Hai Asli Investor Quiz Show SEASON 2 Thx .. and Happy Investing to You
Loved it, the way concepts are presented, indeed are a delight to digest. Particularly, I learned a lot on overcoming certain longstanding biases on investing. Keep up the great work.
Good day Mr. Shankar. I am actually reviewing my portfolio this year. And this is gonna be very helpful. Thanks a lot. Pls continue to share your best practices
Will do, Manikandan Babu. Wishing you the best with your portfolio review. If it helps, I'll feature a video on "how I pick equity mutual funds" sometime later this month. You can get some tips from there which'll help you in the long run.
Thank you very much for your kind appreciation, so nice of you. Personally, I just love these analytical+behavioural puzzles .. infact, have a habit of collecting these or creating some new ones. If this video performs well, I'll surely come up with Kaun Hai Asli Investor Quiz Show SEASON 2 :)
Wow Shankar Sir aap ke saare questions rethink karne pe majboor karte hain. And I feel proud to be a small part of your evergrowing RU-vid Family. Aapse bohut kuch sikhne milta hai aur sikhte rehna bhi hai. I have been your disciple since ET Money days btw.
Thank you Raj Kishore. Happy to know that my video content is helping you become a better investor. Do share the videos you like with your friends and invite them to be a part of this RU-vid channel. Abhi picture shuru huyi hai .. lots to come!
Most welcome, Mayur .. glad you liked it 😊 Yes, I'm trying to increase the intensity of videos to 3 per fortnight (maybe 4) from this week onwards. Will do my best to balance video count and quality -- I now realise that both are equally important.
@@shankarnath I have been binge-watching all your personal and ET MONEY RU-vid channel videos these days as I revisit my MF portfolio from rebalancing and revision perspective. I appreciate your meticulousness, articulation and content quality. 👍🏻 One quick Q (seeking your views) on nos of MF schemes in one's portfolio as follows: Prevalent advice is to trim the nos of MF schemes from manageability/monitoring perspective. But what if you have performing 17 MFs and apps like INDMoney/TickerTape/GROWW/ETMONEY offering ease of portfolio monitoring (& transactions)?
Always looks up to a new video from you. It's unique and easy to understand.. it makes you think and introspect. Unlike others who preach and are repetitive
My pleasure! Happy to know that this content style is working for you. Personally, some of the questions aren't just an investing question .. but can be used in many walks of life. I mean, we are talking about visualization, decision tree, System 2 thinking and biases --- its a part and parcel of our everyday living without most of us realizing it.
2nd order thinking requires not only experience but also higher guts, discretionary income/investible income and holding capacity of a retail investor. Finding all of this is less probable as compared to people who trust in math, hence I guess most people are better of with mutual funds/ index funds. Looking forward to more of your videos sir 🙏🏻
I'm certain better men & women would have thought of these aswell, I have my own way of expressing it -- so that part is definitely original and perhaps an essential trait to have. Thanks for the appreciation! 🙌
Excellent Rahul. Nodes like decision tree is not just for investing but can be used across life instances. It helps in arriving at the right decision minus the emotional baggage. I was taught something very early in life when someone said, "I will not take a decision for you but I will teach you the tools and framework you need to take the right decisions for yourself every single time". Most people don't get it but the ones who do are generally the biggest beneficiaries
Big fan of you sir since the ET Money times. I would love to hear your views on index fund investing. I am happy with 10 - 14 % returns on a long term basis. Can you please provide your views on total index investing and it's possible pitfalls. Thanks in advance 💕💕💕💕🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻
@@shankarnath thankyou so much for considering my suggestion. Please make a complete masterclass on index investing and its possible pitfalls and best route for it index fund vs index etf
As always, the quality of content and explaining them to everyone in simple terms to make them understand it better.. 😊 Shankar pls do make a video analysing the different market sector's performance based on current trends and its expectations for next 5-7 years term..
Thank you very much, Shamsudeen. Thx for your suggestion. I don't have a timeline on sector analysis videos but will get into it on a progressive pace. You might have noticed I did one analysis (life insurance sector) on this channel.
@@shankarnath thank you so much Shankar.. That's so nice of you... I can very well understand the amount of efforts and time you put in making a video... No problem... 😊 Missed the reply to comment.. That's why a later reply.. Eagerly waiting for your video on REITs.. A topic not much spoken of also only you did it through ET... From the post can understand you gonna brief it way more... ✌️
@@mohamedrafishamsudeen2671 Yes, the ETMoney video was theoretical but as I have tried to do with my other videos in my channel, this one will be very actionable. While you can also count REIT under sector analysis :) .. I have a view of the "cement sector" coming up in the 1st week of January where I'll examine the key metrics one needs to look at when examining cement stocks. Ofcourse, I will look at that from the lens of Ultratech, Shree, ACC, Ambuja and Dalmia Bharat. Thanks for your kind words!
Hi Shankar, A fan of your presentations since seeing your videos on ET now. Just a correction may be - shouldn't the 2022 return of fund C be 31% for it to give 9%CAGR. Right now, it's giving (41+19-23)/3= 37/3 which is more than 12% CAGR.
Thank you very much. CAGR is not calculated as an average. The correct way of calculating it for fund C is: = [((1-23%) * (1+19%) * (1+41%))^(1/3)]-1 = [(1.2919)^(1/3)]-1 = [1.08914]-1 = 0.08914 = 8.91%
@@shankarnath Actually I understand how it is calculated. Just that for such a short sample, a simple average gives almost always a similar value as that of CAGR. Didn't take the pain to calculate the exact number in Excel/maths. But, it is sort of eye opening that this could be so different. Letting the comment remain for the benefit of others. Thanks for your prompt response.
You raise a good point. Perhaps this next example will help drive the point better (I'm sure you've heard of this). So say, a mutual fund is -50% in year 1 and +50% in year 2. Simple average says there is no profit-no loss. But actually that fund is at a CAGR of -25% i.e. 1 minus (0.50*1.50).
Noted for future reference, larger the variance in the data, farther away is the CAGR from Simple Average. And better to calculate the returns properly sometimes rather than rely on quick and dirty averages.
Also, a few research questions that might form a basis for your next videos - 1. Is doing a weekly SIP of 2k is better than doing a monthly SIP of 8k in the same mutual fund. 2. Is there any any correlation with day of the week and the returns. For example, may be on average Monday gives a higher return than Friday and this difference is significant or not statistically
Thanks for trying. There's an old quote that goes something like: "The hardest thing to open is a closed mind" 😊 .. However, I'm sure your friends have their reasons. It takes time to change one's outlook for better or for worse. It's a part of everyone's learning curve so no sweat.
wow! instead of spoon feeding, you are making things interactive. A follow up on last question, what should be the thinking in choosing the fund? (given that we are about to choose, so we're somewhat trying to extrapolate the return graph which is not the best approach). Also will you let me know your fund(A,B,C,D) ranking for this question?
Thank you, Mayank. The question on funds has an element in bias in it and no one can exclude bias from their selection process. To help out, I'll be releasing a video in the next 2 weeks on how I personally pick equity mutual funds. As always, I won't tell which schemes to pick but I'll take the horse very close to the water and some best practices might help investors all through their life. Would love to get your feedback on that video too. I think the release is slated for 24th Dec (not sure, but watch out for it) PS: I would have chosen fund A
@@shankarnath +1 on that, my thought process was to get returns ASAP so that compounding beast can do it's part even better! But again, I'll still scratch my head if I was to start fresh😅 eagerly waiting for your content on this
I have watched all your videos. I am a novice and mediocre and believe in simple investing. I follow you because you answer to each and every query/comment. Hoping, maybe perhaps someday if I have any query, you will be there for me. Regards.
Thank you for this fun style knowledgful video. I found the 3rd question really useful and insightful as I thought playing with Forwards had higher chance of returns.
Glad you liked question 3 -- it's my favourite and as a Chelsea fan, its something we live by. Infact it's tactic 101 from the Jose school of football which says: 1-0 gets us the same number of points as 4-0. So have enough players who can score one measly goal and enough players who can defend anything that's thrown at them. Hail JT, Ivanovic, Cahill, Carvalho, Ashley Cole, Obi Mikel, Desailly, Ferreira and Azpilicueta
@@shankarnath awesome ! Am a huge Chelsea fan as well. I had seen that u did mention this in one of earlier videos as well, probably from the etmoney Times, but am not sure if I mentioned in reply that am a fan of Chelsea as well..😍
@@shankarnath oh damn.! I missed it in this video. And yes it was the t-shirt that revealed ur team in another video as well. I completely missed it today as probably I was more focused on that content and didn't so much check the outfit here . Am not sure. Thanks for pointing it out .
Hello Shankar ji Kindly answer the following 2 ques 1) While doing tax harvesting in MF, is it necessary to reinvest the amount harvested in the same scheme or in a different scheme? 2) Right now, when the markets r high, i am redeeming the funds which haven't performed well. Now should I wait for markets to correct to reinvest the same amt (and lose some compunding advantage) or should I reinvest the amount redeemed immediately? Would be obliged if you can kindly give your valuable opinion
Hello Sayak ji 1. I am not a tax advisor but from what I have read, it is not necessary to reinvest in the same scheme. Once you have sold a unit, it's sold. After that you are free to choose the same scheme or a different scheme. 2. This is a very personal question and I don't have an answer specifically for you. But if you can allow me 2 more weeks, I am coming up with a personal video on "how I pick and operate my equity mutual fund portfolio". This way you can know my approach & thought-process and if you like some aspects of it, then you can use it in your own investing strategy Hope this helps.
@@shankarnath Thank you so much for your reply Shankar ji. I know its tough to reply to so many comments but the way your are taking out time to do so, will eventually earn you a lot of goodwill. Love the calm and composed manner in which you explain investment-related topics in your videos.
Nice one. Most of the basic biases related to investing demystified. You can also share more of Daniel Kahneman's prospect theory viewers would be educated
Thank you very much, Mukesh I often get pulled into this compounding is not for mutual fund/NPS discussion. Personally, I find the discussion & debate around it to be farcical. Here's my why: 1. NPS and mutual fund (equity kind) are just baskets and comprise of individual stocks 2. Stocks are just pieces of paper and the mainstay is the business they represent 3. Now every businessman operates it in only one way i.e. I have put in capital, I will make profit, I will redeploy the profit to earn more profit. It's not difficult to understand the logic of it So, if 3 is true .. then compounding is already the essence and the core of every instrument which is a derivative of it. The stock is a derivative of the business and the MF/NPS is a derivative of the stock. Ergo, NPS/MF works on compounding .. just that where the compounding is happening is not visible to the debater (or refuses to look beyond). That's how I look at it.
Hi Shankar, great content. Big fan of yours, watching your videos for more than 1 year. Please continue to share insights on investments. I have a request, could you please create a video to compare the past performance of "SIP in nifty 50 index fund" with "SIP in top 10 Nifty 50 stocks". For example, if 1 lakh is invested as SIP per month, in a nifty 50 index for the past 10 years. Also top ten stocks in nifty 50 are bought, each with value of 10k per month for 10 years. Which one would have a better cagr?
Thank you very much. Sure, I can do the comparison .. I am curious aswell. A full fledged video might not be needed, maybe I can do a 1 min short to answer this. Thanks for the suggestion, will circle back soon
Thank you very much, Hari .. for your kind appreciation. Very happy to know you liked the content & the presentation of it. It's takes a good 5 days of effort to put across one video .. but it's fulfilling as it is also an outlet for the three things I love - investing, teaching and creativity.
Thanks. I'll explain it for 1.66 points as it is the more difficult part to understand. The 1.33 is a simple derivation of that. Let's take 3 scenarios. So our 11 defenders team .. let's call it team A .. is so good that they don't allow team B a single goal a) So team A scores 1 goal & team B zero = 3 points b) So team A scores 0 goals & team B zero = 1 point c) So team A scores __ goals & team B zero = ?? points Notice scenario c). The only way team A will get 0 points is if they score negative goals -- which is not possible in football. This means the only possible scenarios for a team of 11 defenders is scenario a) & b) i.e. 3 points or 1 point from every match. Now 38 matches for team A can be broken into a 33% probability for a win the rest for a draw i.e. 67%. So 33% * 38 matches * 3 points + 67% * 38 matches * 1 point = 63.08 points or 63 points or 1.66 points a game The same calculation for team B will be (33% * 38 * 3) + (33% * 38 * 1) + (33% * 38 * 0) = 50.16 or 50 points. 50 divided by 38 games = 1.33 points per game
Hi Shankar , and last few days I have watch your own videos I am just lately on groww. Please share your thoughts on my do you have debt up to 35% in your portfolio. Are you using debt to transfer the gains youmade on equity periodically , or are you using debt as a separate instrument where you are regularly investing in too!! Please share your thoughts on how you are using debt as a way to maximize your returns??
Hello Raman: 1. I invest in debt instruments only if a larger corpus comes my way e.g. annual bonus (which I no longer receive as I am now self-employed) or maturity of my NHAI bond etc. Generally this number is about 20-25% of the total investible amount I have for the year. 2. I don't use debt to maximize returns. Debt is a cushion for me and I'm happy getting post-tax 6-7% on it i.e. it matches inflation. My debt investment is always in safer instruments (AAA or govt securities)
@@shankarnath Oh , Understood.Thank you so much. ,🙏.Since you replied to my queries, and that too , almost in a day , you have made my day. ,🙏, Thank you so much.Wish your channel to achieve greater greater highs !!
In PPF vs NPS example- 60% of NPS > 100% PPF assuming investment is done only in year 1. If you count adding SIPs over the course of 20 odd years till retirement which is 30 years away then gap between both will be lesser
I have a doubt in the scenarios possible with the 11 defender team. Why can't they score less than other team? For example even with 11 defenders, if the other team scores one goal & our team does not score a goal, won't it be the same as scoring less than the other team?
Hi, take 3 scenarios. Let's call the 11 defenders team .. team A and assume they are so good that they don't allow team B a single goal a) So team A scores 1 goal & team B zero = 3 points b) So team A scores 0 goals & team B zero = 1 point c) So team A scores __ goals & team B zero = ?? points Notice scenario c). The only way team A will get 0 points is if they score negative goals -- which is not possible in football. This means the only possible scenarios for a team of 11 defenders is scenario a) & b) i.e. 3 points or 1 point from every match. Hope this helps
@@shankarnath Ok, i was thinking of a scenario where team B is the 11 striker team and scores goal against Team A while Team A doesn't score. So this scenario is not here. Got it
Wow! It was a refreshing change from the ET format. I am investing for many years but this was an eye opener - Using systems approach to investing. Looking forward to many more insightful presentations. I hope keep up with this quality you dont loose steam down the line. So plan for many episodes and your viewership will explode exponentially.
Hello Rupesh, can you write to me at hello@beginnersbuck.com? Will be keen to know the topics and areas that interest you and any prior work you have done on that personally or professionally
i am a relatively new investor and i have been investing 12k every months for the last two years in mutual funds . In two years my portfolio has been up by only mere 10 percent . so should i continue with the same mutual funds or redeem the money and invest it somewhere else . and plzz also suggest where to invest that lumpsum amount after redeeming?
Hello Shubham. This is not sufficient information to render an opinion. Perhaps you can look to consult a financial advisor who can help you make the right decisions for a service fee. This way his/her skin is also in the game.
Hi. I don't have a timeline for it but I'll figure out something around Hindi language of delivery. Yesterday, Google announced something on language dubbing which I thought was interesting. In a few months, hopefully my resource constraints (time, personnel and monetary) would have also eased. Will circle back on this when ready. Thx
Hi. I am not updated with the current rules. I'll certainly create a video on the same with this & more details for the benefit of the viewers. In the meantime, please refer to this document: npscra.nsdl.co.in/download/Nodal%20Office/NPS_FAQ's.pdf
hindi mai available ho sakate hai kya sir g aapake video u work hard with your knowledge we are unable to understand in english it can be possible, please for hindi viewers made in hindi your video
Hello Arjun. Do languages mein video banana abhi mushkil hai kyonki mere pass koi team nahi hai. Kuch income aa jaye, team ban jaye .. tab Hindi mein bhi video banunga. Thoda dhairya rakhiye
Very creative approach to engage investors and educate them (or at least make them start thinking). I do have a question : @8:43, how did you come up with 5.44 % for investment without dividends
Bikul. Thoda time dijiye, abhi channel start hua hai aur kafi cheezon ko streamline karna hai. But iski planning chal rahi hai aur zaroor Hindi mein video banaunga
Sure. Due to paucity of time I am unable to create videos in Hindi. But I'm working on something and while I don't have timelines .. I'll have content in 1 Indian language (Hindi) & 1 foreign language (English). Viewers can watch per their preference
@@shankarnath Thanks. Sorry if you had misunderstood my comment. My suggestion is to avoid Hindi in-between. If the content is for English speakers, please stick to English alone. Being a non hindi speaker, I would loose interest if it's mixed.
