Sir , please make a series of how to pick mutual funds and try to explain using various websites like moneycontrol etc, as it shows the expense ratio, alpha , beta etc.
no one has ever taught maths like you did! I would have topped maths exam if exponential were taught like this! 😢 Also great way to educate us about direct vs regular! Thank you ❤
Bhai passive vs active have always been a debatable topic, sometimes passive takes course sometimes active, like passive now a days. If you're going for smallcaps go for active, if niche funds like valur discovery, special oppourtinity, hybrids etc.go for active, if vanilla large caps go for passive. My personal opinion: US is a mature market, there is little room for extra research there also much of the books written are POV of USA markets. There is room in Indian markets (which is in growth phase) to create alpha. So my 70% allocation would be in active next 30% passive.
Hey Zero1, Appreciate your efforts! In regular vs direct funds comparison, all this math works only if NAV is the same in both type of funds. But in reality, the NAV is more in Direct Funds when compared with the regular funds due to variance in expense ratio. Considering these factors, there won't be much of a difference between both the funds.
Thanks guys, as a 20 yr old these videos are really helpful to gain knowledge about these things that I will be encountering in the near future, and that too in a fun non boring way, please keep making more videos
if you think you can't keep track of where and why you are investing , just go with regular funds. Instead of losing it all ,sometimes its best left to experts .
You just need to select one large cap, one mid cap, one flexi cap and one small cap fund. Just invest 30℅ of your savings in large, 30℅ in flexi, 25℅ in mid cap and 15% in small cap, if you don't want to take high risk, and you are a safe investor considering the fact that you don't have time to research. Do the SIP your money will be auto deducted. You just need to watch 4-5 videos of any sebi registered finfluencer to select mutual funds. Then after you have selected the AMCs don't change them and invest for long term. Regular funds made sense in past since we didn't have any online broker apps like groww and all and no youtubers who could guide you so people simply just invest their money through regular MFs.
Mutual Funds are literally for when you don't know which stocks/debts you should invest in. Making another layer on top of them as to which mutual funds to select is just stupid and scammy. I'd rather give my money to the guy who's actually stock picking rather than the guy who has no clue how the mutual fund might perform and just picks it based on which one gives him the best returns. MFDs are scamsters and they know it as well, adding no value at all, and they are just an archaic left-over job from the early days when investing in Mutual Funds wasn't easy.
10:13 Can you show the calculations or what tool you have used? I used the compound interest calculator, initial amount 29.1L, annaual return percentage of 19.31% and period of 20 years compounded annually. The final amount I saw 9.94cr vs. 12.1cr as shown in the video. Can you please show what formula you’ve used? Thanks
Thanks for making videos in English. Almost every RU-vid channel on the Indian side is in Hindi/Hinglish. The ones which aren't are in Tamil, Telugu, Malayalam etc. Hindi vaalas STILL try to come onto minority English channels and try turning them into Hindi/Hinglish ones. There could be 99 Hindi videos, but they'll come onto the one video which is in English and say "Hindi me bolo".
You can transfer from one plan to another plan through STP(Systematic transfer plan) if there is short term capital gain 15% tax and held more than one year and capital gain is more than 1 lakh then 1 lakh is exempted and remaining is taxed at 10 % and for debt funds stp done within 3 years is taxed at income tax slab and stp after 3 year would be taxed at 20 % with indexation benefit.
0.4% compounded over many years is a lot, I agree, but the argument is only valid if the expert and a DIY investor picks the same fund or similar performing fund. There are multiple regular funds which has performed much better than direct funds, expense ratio isn't the only thing that matters. These finfluencers are promoting direct funds for a very simple reason, they want more transactions from their platform which in turn will profit them!! These investors feel they are saving a lot by saving on expense ratio but hardly anyone has the right portfolio and think MFDs as scamsters. Well, let's see after 30 years who has compounded better, the DIY investor doing in direct funds or an investor trusting an expert.
@@potbot887 Absolutely, not just index, more often than not it will beat category average! Also a good Mfd will save a lot of taxes on capital gains with smart planning!
How does capital gain tax harvesting work on mutual funds, and does it affect my compounding? Additionally, if I sell all my units and buy after T+1 days, it will be a fresh investment. How does compounding work in this scenario?
My question - Will I earn a bigger return if I redeem my investment each year and reinvest for one year? Do the same in five years. Compared to five-year earnings on a one-time investment. Plz clarify
I am confused about investing in quant flexi cap or should I invest split of nifty100, quant Small cap mutual fund, individual stocks like praj, shivalik bimetallic, Bharat forge. Which is better
Great video, thank you for making it! This video comes at a good time because I am currently looking into moving some MFs around and this answers some questions I was trying to answer. Would love to see a similar video on how to go about rebalancing MF portfolios over time. Also, +1 on index funds pretty please.
Hello zero1 team, Need a solution to my query, kindly answer it. I had invested in a ULIP back in 2019 with a payment term of 5years and investment term of 10 years, now i have completed my payment term of 5 years as i can see the returns are way too less of arount 6% CAGR in this bull run. So pl help me decide should i stay invested in this ULIP till the maturity term i e, another 5 years or should i giveup my policy and encash it. SIP amount was 6k per month. Thank you in advance 🎉🎉❤
a fund which tracks nifty or sensex, will still be a mutual index fund right? Just that the proportion and choice of stocks is decided by index and hence trivial money management and rhus the low fees
Do some statistics about the redemption frequency in direct and regular. You will see more and more redemption in Direct, especially during market fall, as they know nothing about it. Do not lose 5 rupees by thinking about one rupee. If you have full knowledge GO WITH DIRECT,. if not DON'T DIY. You will lose a lot
Hi could you do a Tax Harvest episode, because there are so many varieties of explanation to do it. Let us know which is the better way for Tax Harvest in this unpredictable market in stocks and mutual funds
Hii sir help me I don't know how do I make and maintain a Excel sheet how to make a entry can make a small tutorial for it You showed us how to reduce expense but now please tell us how to record our expenses or just reply in comments thank you zero 1 for your efforts we appreciate and love you guys for your unconditional help that you guys provide us thank you
I invested in a regular fund six years ago, which is still running. What is the drawback if I switch and do not switch? My horizon is 15 years in the same fund. Should I switch the same fund with direct or another new NFO or some index MF?
We invest through wealth plenitude, apparently i got full redemption, without any commission, exit load or expense ratio. I guess these are regular funds, I'm not able to decode that. Will zerodha help me?
*This video is misleading* In my honest opinion, the difference is not that much in direct or indirect Mutual funds because we are ignoring the inflation, if we adjust an exponential growth with inflation (logarithmic growth) it will make it flat and that 1L you will save in 20 years will become less significant due to inflation. Although still if you are DIY investing why leave money on the table?
In some application they give option to switch from regular to direct without selling it. In sbi mutual fund app investap application it is possible to switch.
They don’t show on the platform but taxes will be charged when you file your taxes. It is similar in Groww where you can switch funds within the same AMC, they don’t show the taxes outright so you have to be careful in knowing your tax liability at the end of the year
