Asset Allocation Strategies

Asset Allocation Strategies - Pros and Cons

Рет қаралды 9,559

Күн бұрын

Пікірлер: 37

@wagle008 7 ай бұрын

I liked the 100% in equity advice for the common problems. I was in the common problems bucket a couple of years ago and had followed a similar strategy to come out of it

@desifirepodcast 7 ай бұрын

Glad you were able to do it so soon. Thought it would take longer.

@wagle008 7 ай бұрын

@@desifirepodcast My equity allocation was slightly less than 25%. Putting all my new savings into equity helped me increase it.

@rajukamal 14 күн бұрын

Hello Ravi, these videos are very useful to both expand one's knowledge and calibrate the plans. Keep them coming 🙏

@yogisharmamagic70 2 ай бұрын

I think you missed two of most important points, which i learned while closely learning from my mentor, Mr Dhirendra kumar of Value Research 1. Asset allocation's actual benefit is you buy low and sell high, it can give much required churning and profit booking. if I follow a 70/30 ratio if market go down my 70 remain 65. I will shift some money from debt to buy low and fix my ratios. if my 70 go to 80 due to bull runs etc, i can square some off and maintain it again, 2. For goal based investing see also that if it is a negotiable or non negotiable goal, if buying car is 4 years ahead it is negotiable i will go with BAF or equity portion, if its some fees some non negotiable thing i will go conservative. Regards Yogesh Sharma

@pratikjaiswal5764 3 ай бұрын

Good video on optimising asset allocation

@rishabhmishra8798 7 ай бұрын

Nice one Handa Sahab!

@desifirepodcast 7 ай бұрын

Glad you liked it.

@shovan3112 7 ай бұрын

Excellent Video Ravi Sir. Great going...

@desifirepodcast 7 ай бұрын

Glad you liked it.

@sharathkumar9490 7 ай бұрын

Good the pip is moving and not blocking the presentation

@desifirepodcast 7 ай бұрын

Yes, thanks

@rajukamal 14 күн бұрын

I have read about this elsewhere and it is a excellent point. Thanks for sharing.

@dnyaneshmugurdekar3161 7 ай бұрын

Nice video sir. Had read the asset allocation posts by capitalmind last year. Trying to do allocation based on that and even I thought textbook is best considering the risk and reward points. Also I kind of disagree with you on one point though of 5+ years money in equity but to each to their own as personal finance is more personal than finance. Keep up the good work and please post more videos. Thanks in advance

@desifirepodcast 7 ай бұрын

Will try to be more regular. But I am lazy :)

@bharat5961 7 ай бұрын

Great video Ravi.

@desifirepodcast 7 ай бұрын

Glad you liked it!

@roshniramnani4539 7 ай бұрын

Nice and practical!

@desifirepodcast 7 ай бұрын

Thanks

@ambarish92 7 ай бұрын

Hmm my father passed away and all responsibilities shift on me. I am 32. So I have a house at Village which would be ~60-70lakhs, a plot which is ~16 lakhs. Fixed deposit around 15 lakhs. Gold 0 as all in form of Jewellery. I started putting 50k per month SIP in mutual funds (100% equity) 2 months back. Not planning to change anything and do this for the next 12-13years with step up as and when salary increases with time. Hope to make a good corpus and hope that I am going right 😊

@desifirepodcast 7 ай бұрын

I think you are on the right track. Best of luck.

@rajukamal 14 күн бұрын

While going full equity is fine for long term goals, I would suggest to allocate partly into debt based on near to medium term goals

@pamitanand 7 ай бұрын

Always on point

@desifirepodcast 7 ай бұрын

Thanks

@nishujain9876 7 ай бұрын

Hi Ravi, I watched your previous video where you shared your own asset allocation and how you have planned it. And I really loved that method, so much so that I am planning to incorporate that in my planning too. There is one more variable which I dont have clarity about and thought to check with you. After FIRE, when your income from work ( working income) is zero and you only have passive income (planned as FIRE) then how do you pay taxes on them ? Is this passive income treated as normal income that if we have passive income of 7.5L Rs then as per new regime, dont pay any taxes. Or how does that work?

@desifirepodcast 7 ай бұрын

Short answer - capital gains and interest income. You pay taxes accordingly. Long answer - will make a video

@nishujain9876 7 ай бұрын

@@desifirepodcast Thank you. As I need more info. pay taxes accordingly ? Like how is your tax slab calculated when all your income is capital gains and interest income.