Personal Finance Q&A Session | Parimal Ade 

*AI Generated Summary* 00:02 Introduction to the Q&A Session - Welcome and session announcement, - Mention of questions received on personal finance, 01:10 Large Cap vs. Small/Mid Cap Fund Allocation - Performance of large cap funds lagging behind small and mid cap funds, - Temptation to shift allocation due to recent performance, 04:19 Managing Surplus Capital at Market Highs - How to park surplus capital in mutual funds, - Strategy for investment during market highs, - Regular annual financial planning review, - Review process for significant new funds, 07:00 Achieving 1 Crore in 10 Years with 70,000 Salary - Steps to achieve 1 crore in 10 years, - Expected growth rates and SIP amounts, 09:45 Investing Lump Sum from Property Sale - How to invest lump sum amounts in equity, - STP durations for different equity fund allocations, 10:59 PPF vs. Mutual Funds for Tax Saving - Comparing PPF and ELSS funds for tax-saving purposes, - PPF as a good option for conservative investors in fixed income securities, 12:30 Reducing Taxes on Market Profits - Capital gains and tax implications, - Holding investments long-term to avoid unnecessary taxes, 13:49 Managing Loans vs. Investments - Balancing outstanding loans and high-value investments, - Prioritizing loan prepayment over holding investments, 15:06 Financial Planning and Goal Setting - Evaluating retirement and education savings needs, - Calculating inflation-adjusted targets for financial goals, 16:52 Financial Planning Assistance - Importance of thorough financial planning, - Booking personalized financial planning sessions, 17:25 Market Valuations and Investment Strategy - Current market valuations and risks, especially in small and mid-cap stocks, - Recommendations to avoid lump-sum investments in overvalued markets, 20:42 Real Estate vs. REIT Investment - Comparing direct real estate investment with REITs, - Considering costs and liquidity in real estate investments, 22:15 Asset Allocation Strategy - Importance of developing a portfolio before selecting asset classes, - Rational approach to financial planning, 22:58 Stocks vs. Mutual Funds - Discussion on investing in stocks versus mutual funds, - Benefits of mutual funds in managing investor behavior, 25:38 Expected Returns from Small and Mid-Cap Funds - Expected returns from different fund categories based on risk levels, - Potential variability in performance of small and mid-cap funds, 27:41 Gilt Funds and Interest Rates - Analysis of investing in gilt funds in the current high-interest rate environment, - Potential benefits when interest rates decrease, 28:55 Risk in Debt vs. Equity - Importance of understanding risks in debt investments compared to equity, - Potential impacts of interest rate changes on debt and equity returns, 30:52 Importance of Averaging in Investments - Benefits of averaging investments to manage market volatility, - Emphasis on disciplined investing and converting savings into investments, 32:17 Fund Allocation for Emergency Expenses - Importance of convenience over higher returns for emergency funds, - Suggestions for using FD, liquid funds, or arbitrage funds linked to savings accounts for easy access, 33:05 Timing for Starting SIPs - Recommendation to start SIPs immediately for disciplined future cash flow management, - Strategic allocation of lump sum investments through STPs over 6 to 18 months based on fund type, 34:07 Prepayment vs. Investment Decision - Decision-making on prepaying home loans versus investing surplus funds, - Importance of ensuring other financial goals are met before considering loan prepayment, 34:49 Balancing Home Loan Prepayment and Investments - Discusses the balance between prepaying home loans and investing surplus funds, - Highlights the importance of allocating money towards financial goals before prepaying loans, 35:34 Investing for Young Adults - Ideal investment strategies for young adults (22 years old), - Emphasizes the benefits of SIPs and continuous investment for long-term wealth creation, 36:24 Managing Investments During Market Highs - Importance of maintaining an emergency fund and short-term goal allocations, - Suggests continuing with SIPs without trying to time the market, 38:06 Investing for Child's Education - Strategies for investing in a child's education fund, - Recommends a mix of aggressive funds (small and mid-cap) with a long-term horizon (14 years), 39:30 Ideal Investment Allocation by Age and Risk Profile - Suggested investment allocation for a 30-year-old with a moderate to aggressive risk profile, - Detailed breakdown: 15-20% small cap, 15-20% mid-cap, 20% multi-cap, 20% large cap, 35:34 Student Portfolio for Wealth Creation - Benefits of starting SIPs at a young age for long-term wealth creation, - Focus on learning and understanding market exposure for young investors, 36:24 Cash Allocation vs. Market Timing - Maintaining an emergency fund and allocating funds for short-term goals, - Long-term investments without unnecessary market timing, 38:06 Child Education Fund Allocation - Aggressive fund allocation for long-term goals like child education, - Suggested fund types and allocation percentages based on investment horizon, 39:10 Ideal Portfolio Allocation - Suggested allocation between large, mid, and small-cap funds for a 30-year-old, - Balancing risk profile from moderate to aggressive with appropriate fund allocation, 40:01 Term Insurance Considerations - Method to determine the right life insurance cover based on liabilities and financial goals, 40:42 Personalized Insurance Coverage - Determining insurance cover based on individual financial goals, - Understanding how different life goals require different insurance calculations, 41:09 Investing While Abroad - No need to sell Indian mutual funds and stocks if moving abroad temporarily, - Importance of updating KYC to NRI status for future investments, 42:21 Ideal Savings Percentage - Minimum 30% of income should be saved and invested for long-term goals, - 20% for short-term financial goals, 43:07 Dividend Growth Portfolio - Value portfolios as a model for dividend growth, - Understanding that growth stocks typically offer lower dividends, 43:37 Sukanya Samriddhi vs. Mutual Funds - Sukanya Samriddhi Scheme's emotional appeal and investment benefits, - Mutual funds offer better long-term returns compared to Sukanya Samriddhi, 44:54 Sufficiency of Savings and Insurance - Calculating life insurance cover based on liabilities and savings, - No need for additional insurance if assets cover all financial goals, 46:13 Financial Planning and Risk Management - Importance of taking out money once financial goals are achieved, - Moving funds to fixed income securities after achieving goals, 48:14 Corporate Benefits vs. Welfare - Corporate benefits seen as reforms when they generate employment, - Sustainability of government welfare schemes compared to employment, 50:04 Behavioral Management in Investing - Avoiding impulsive reactions to market news and analysis, - Long-term earnings and GDP growth should guide investment decisions, 51:37 Planning for Retirement and Investment Horizon - Understanding investment horizons and risk profiles is crucial. - In cases where there's no investment in equity, starting with hybrid funds might be a better choice to gradually understand exposure. 52:14 Taxation and Investment Choices - Choosing between equity and fixed income securities depends entirely on the investor's risk profile. - If an investor is not allowing risk, it's better to go into fixed income securities rather than equity funds. 53:31 Global vs. Domestic Equity for Child's Education - Allocating more to international than domestic equity to hedge currency risk and not worth the effort due to taxation. - While there might be some disadvantages in taxation, asset allocation should be based on the inherent quality of that asset class. 55:31 Emotional Attachments in Financial Decisions - Emotional attachments are an unmatched factor in investing, especially in products like Sukanya Samriddhi Yojana (SSY). - SSY is working well for parents and for daughters as well, with no doubt. 56:18 Investment Strategies for Students - Suggesting funds for long-term 20-30 years via SIPs for small and mid-cap funds. 57:37 Investment Advice for Mutual Funds - Individual fund ratings and allocations, 58:21 Investing in Silver - Available investment options, 58:35 Tax Implications of Mutual Fund Selling - Tax implications of selling mutual funds, 59:15 Real Estate Returns vs. Mutual Funds - Comparing real estate and mutual fund returns over the long term 01:00:17 Real Estate as an Investment - Real estate as an inflation hedge

Finnally mannat Puri hui Modiji aaye Parimal Sir ne shave kar li😅😅😅😅

Thank you parimal Sir

Thanks a lot to you and Gaurav sir for conducting these sessions, answering even our silly questions patiently and selflessly sharing your knowledge. Always a pleasure to listen to you both!

Your content is pure gold❤

🙏🙏

Primal looking very smart.

43:00 thanks for answering

Thanks to you sir aap ke video regular dekhata hoon guidance achi milati hai is vajah se 18 month main 76% profit hai portfollio main. Thanks very much

As per BENJAMAN GRAHAMS BOOK INTELLGENT INVESTOR CHAPTER 1 , 2 & 3 you and ur followers are investors not speculators… thanks a ton 🙏

Sir, first of all thanks for sharing valuable information that too in a "To the point" way. I have 3 index funds covering Nifty 50, nifty next 50 & Midcap 150. Alao have 3 active funds like quant & parag Parikh flexi cap & kotak equity fund. Please advise am i over diversified. Want to add 1 more manufacturing fund. So shall i remove any of existing fund. I am planning to retire in next 5-7 years & current sip amount is 30000. Thanks in advance.

Can you suggest me a small cap mf ,which one can start sip(10k) for 15 years goal plan

100% allocation should be in growth cap

Kindly make a video upon Harry Dent's prediction about market crash in 2025

Sir, with support bni है govt. French cut भी try कर सकते हैं. आप हर अंदाज में हमे अच्छे ही लगते हैं ❤

Kya hua Croma key nahi hua kya sir

Sir my mf portfolio is giving twice the return of my stock portfolio but i still want to take risk and take out all my money from mf to invest in stocks please guide

My son going for abroad study after one year my all investment in MF and my goal achieved, can I redeem my fund now or after one year

Really parimal sir.. Mannat for Modiji?

You look good with your mouchtache

Parimal Ji ne Modiji ki wapsi k baad hi shave ki!! 😁😁

lol. Har meeting/QnA/Live sections me aap bolte rehte ho "balanced allocation/nuance/proper asset allocation", but logo ko sirf sunai deta hai ki 1 saal em smallcap midcap. Ya to inki sunana chod do, ya poochna chod do

Sir, 2020 se sun rha hu apko. Aapki sab baten fail hui hain Small cap, Mid cap ko lekar. 4 years mai logu ne multi bagger returns bnaye h. Aapko sun kar mai humesh door rha small, mid cap se or mera overall return 10% hai aaj. Kabhi lagta hai aap log nhi chahte ek normal aadmi paise kamaye.