Building a mutual fund portfolio

By now, you should have realized that mutual funds are the ideal products for saving and investing for all your goals. But the issue is there are 11 equity fund categories, 16 debt fund categories, and 6 hybrid fund categories among others. How do you go about picking the right fund for the right goal? Even before you save and invest, what are the other essentials you need to take care of?
In this video, Karthik explains:
1. Why you should get term insurance (life) and health insurance.
2. How to pick the right fund for the right goal
Learn more about how to save and invest for your goals here: zerodha.com/varsity/chapter/t...
Watch all the previous videos in the personal finance module here: • Mutual Funds Investing...
Watch the video where Karthik talks about Index funds here: • How to plan for longev...
You can put your stock market knowledge to the test by taking the Versity Certification test here: zerodha.com/varsity/certified/

[@expert2466]

Music is distractive from the voice. Please correct it.

[@varsitybyzerodha]

Hi, noted. Thank you.

[@farisxaris622]

I love the music... I was mesmerized while watching the video

[@its.partha..]

​@@varsitybyzerodhaYou didn't note. Just watch your next videos.

[@indianblogger8151]

True, pls avoid music- Its distracting.

[@gokulvrindavan1858]

​@@varsitybyzerodhayou are very fit daddy

[@hemc2341]

Thanks for such an amazing series. I gave me more insights on mutual finds investing than any other things I have learned in last couple of years. Keep up the quality work.

[@irfankhan-cd7gb]

One of the best videos ever seen, first time have seen someone has mentioning cagr less than 12 Very realistic! Thank you❤

[@fatboyrecordsinc.7773]

World class content.. felt like a membership programme... keep up the good work team...

[@siddarthbhat8580]

Thanks for such an amazing content. Kudos to you guys! You make financial education simplified.

[@sumedhmishra7796]

Kudos to the efforts for teaching mutual funds to every possible generation.

[@neo4646]

Really nice information and the way it is explained and simplified is great! Keep it up!!

[@_sharanshetty_]

Thank You so much for this!!! 🙏🏼 Every animation, video quality, and background music is just so perfect 🤌🏼 Appreciate all the efforts put into making the video👏🏼

[@rangineedi]

Thanks, Karthik and Team! Very nicely developed series... I enjoyed a lot

[@shanthimurugan9981]

Value funds have giving very good results for past 3 yrs.

[@dx_p1225]

Its quote helpfull for me as a young student starting my professional life. Please make more such videos.😊

[@LaffyCobert]

Just wow! Kudos to the team. Now the expectation is so high!!!!🎷🎷

[@viniciusvec]

Thank you for the series! Very informative! 🙌

[@hk_build]

Awesome content 👍👍 Thanks for educating us

[@kartheekch]

Thank you so much Karthik Ji! ❤❤❤❤

[@soumendramukhopadhyay8273]

Thanks. For the Short duration funds: mentioned in 10:25: is actually investing in Debt funds and as per the Present Tax rule they will be calculated as per individual earning tax slab ( < 3 years) . Thus, the investment has a very poor effective return of 4.9 % ( Av Return 7% from fund and 30% tax) ..

[@user-hj9zo7hf4h]

thank you for sharing your knowledge.

[@aditya0_0]

Thank you so much. Learnt a lot about MF.

[@rajeshshanmugam7679]

Excellent video series 🎉

[@sansabh]

Excellent presentation, Karthik 👍

[@RuthikaRV]

Excellent explanation Bro..

[@sandeepraut6987]

Very good and valuable information... thanks a lot..

[@ankursinha6492]

Great advice. But I may differ for the first case. For a married couple, a small cap plus ELSS would also help in 10-15 years. Along with a highly aggressive hybrid fund, to keep some capital safe. (30% ELSS (has large, midcap plus provides tax benefits), 40% in good small-cap fund, and 30% in the aggressive hybrid fund. But again, risk management and understanding market trends and macro conditions are important.

[@phanikumar551]

Thank you ❤

[@apoorvgupta2511]

Personal Finance 💯

[@durgeshdilippawar]

Nice Video, those 3 important things before MF is must👌🏻

[@rammohan9779]

Very good information

[@Rajan_Kr_Sahu]

Vest Mutual fund Fundamental clarity thank you so much Team Varsity 💖

[@varsitybyzerodha]

🙌

[@RadhaKumari-ly5lj]

Thank you very much!!

[@ramalingamsaravanan3898]

Great Video

[@TirthankarMukherjee13]

The house price which we think is 1.5 cr now, will become something like 3 cr in 10 years ? We are not calculating with inflation in mind I guess.

[@saurabhjadhav1000]

Owning a property adds up to maintaining it and the property gets structurally older so it loses its value after a particular time

[@seeker9823]

You won't just be able to buy 1.5 cr home just with sip. You need multiple people earning, your family income should be at least 45 Lack pa to be able to afford it. With that you'd have enough to invest for at least 10 years to get enough money for the capital and based on your credit score everything you'd get a loan. You put down payment and since you already earn enough you'd be able to pay the emi.

[@aloknath5371]

You can increase your SIP amount by 12% every year

[@holypunk12]

We need to choose a different house at outskirts ! The designs will be better after 10 yrs ! 😊

[@jishnu18]

Lol no. Real estate hardly grows by 2-3% if it is not commercial. That's why real estate investment isn't recommended

[@akshaynaik1719]

Is there any detailed blog about debt fund, especially corporate bond fund on varsity?

[@krishnaniyer2895]

good one

[@arjunsreekumar6234]

Pls explain why index funds are better than large cap/mod cap for retirement plans?

[@marvellouschandan]

Nice T-shirt. Link for the T-shirt? 😄 Thanks for the video.

[@saarthmarwaha6198]

great video

[@mandardole8568]

Thanks

[@user-gy1mm4ed9x]

sir can you make a video on module: markets and taxation with update on current tax applicability as the module has 2014-2015 tax applicability.

[@jsarvesh]

why not choose flexi cap fund for the scenario of the young couple?

[@gouravprajapati3270]

Hi Sir, Kindly make video on how to use sensibull and how can we use information gathered from varsity in sensibull.

[@varsitybyzerodha]

Hi Gourav, we'll look into this.

[@civilsolutions6079]

Doubt: newly wed couple planning for a house cost 1.5 crore for present day but about increasing property rates and inflation?

[@santoshMahapatra-vy2oj]

Bhai nifty 9 point niche anese mera portfolio 4000 niche ageya but 180 point upar janese sirf 1300 rupiya increase hua why???

[@dark-bh9cy]

So conservative means do not invest in one time, start SIP or on monthly basis correct?

[@karthickperumal437]

Hi sir I am big fan for u I have one request ur varsity video so amazing and super examples and ur method also and u finance video and kids video and sharmarket videos and English and Hindi only there that somebody don’t understand and others language u do sir plz but my knowledge about ur varsity video super easy explanation …😎

[@varsitybyzerodha]

Hi Karthick, we're looking into creating content in other languages too. We'll keep you posted.

[@ratchaganathana4883]

Please avoid background music, it is irritating.

[@adrikaarv]

Could not capture the data sheet clearly. Can you share the fact sheet in a legible readable format please

[@elviesmascarenhas6059]

Cagr can be useless if the currency devaluation takes place...

[@naveens1]

Rangappa sir, you yourself are a finance University

[@yashdhand]

Where would you get a house in 1.5 cr after 10 years ?

[@abhinavsingh3045]

Hey what if I want to withdraw my money from a liquid fund on the 100th day. How does that work? Can we do that?

[@dedhiapiyush]

For 10 and 8 years period, approach is too conservative. Nothing wrong in investing flexicap and multicap funds.

[@sairamneeli9039]

7:42 Best option Large cap fund ah ??? Every one is saying Index fund is better than LC funds.

[@raravind7295]

Also can you please tell in each fund category for example if I consider large cap , I have 20k, how many large cap fund I need to invest . Invest all 20k in one large cap or split that into multiple large cap .

[@varsitybyzerodha]

Hi, we recommend you to check this playlist: kzbin.info/www/bejne/bKTUY6JnltmKgrs

[@SR_official10]

@@varsitybyzerodha hey !! why you guys still hasn't give a videos playlist for option strategies? It has 18 strategies but here i got 2 strategies only, will you guys upload or not ? And also we have a video series only for 1-5 modules from 6-15 modules we hasn't get video series in your website will you guys take any action on it ??? It'll be easy for us 🙏

[@soumyadiproy2294]

small cap mutual fund vs flexi cap mutual fund which one is better?? Please tell me or make a video about this topic....

[@sc7783]

Depends on your risk appetite, time horizon of investment and the rest of your portfolio, as to what you need. How can this guy (or anyone else) help without knowing anything?😊

[@Mahima-ci6ux]

6:23 instead of investing in large cap funds and mid cap funds separately Why can't we invest in large and mid cap funds , also as sebi mentioned won't they be having a 35% of large cap and a 35% of mid cap So what you are saying is that is not the reality?

[@swarajsable2069]

💪

[@lubdub7913]

Assuming the real-estate price will stick at 1.5cr

[@SR_official10]

@ karthik rangappa -> why you still hasn't give a videos playlist for option strategies? It has 18 strategies but here i got 2 strategies only, will you upload ? And also we need 6-15 modules video series in your website will you take any action on it ? It'll be easy for us 🙏

[@varsitybyzerodha]

Hi, we'll look into the possibilities, thanks.

[@CyberPsychGaming]

Starts from 2:25

[@nakulraju6245]

Rangappa sir kindly do educate and create video in kannada for karnataka people to get financial literacy. thank you in advance.

[@bublubhuyan937]

Hello, I have invested Rs. 7 lakhs in Canara Robeco Small Cap fund. The fund has underperformed it’s benchmark in the last 1 year. Should I wait for 2 more years, or exit the fund and reinvest my money in some other small cap fund? Please reply.

[@varsitybyzerodha]

Hey, we don't provide any advisory as such.

[@bublubhuyan937]

@@varsitybyzerodha How much time should we give an underperforming small cap fund before exiting it? Is 3 years of underperforming it’s benchmark good enough to exit it? Or should we exit it after 2 years of underperforming it’s benchmark?

[@jishnu18]

​@@bublubhuyan937small cap funds might even underperform for 5 years and could give returns in the 6th year. So do not invest in small cap funds if your investment horizon is not 15 years

[@sc7783]

Where can a copy of the MF table be accessed? It's quite hard to read it within the video here. Thanks

[@Mahima-ci6ux]

You can find it at varsity's website

[@user-cf8md8bk3n]

I am investing in 5 Small-cap and 5 Midcap funds for a 15-year time horizon for a corpus. I am a high-risk investor and assuming at least 15 % CAGR would create a good corpus. Even though they are small and mid-caps, 25 % of the fund is automatically diverted to Largecap. I am aware of portfolio overlapping do you agree with my investment strategy ?? I do not like to stick to one or two funds per category with recent frauds at AMC and Manager level. So all 10 funds are from top 10 AMCs so no two funds from single AMC or manager.

[@monishasekar4716]

In one of the models Sir clearly states that most of the funds following the same benchmark have the same portfolio of stocks moreover. So no need of Diwosification.

[@TheViralSneeze]

@7:26 where is the link to index investing

[@varsitybyzerodha]

Hi, we've added the link in the description: kzbin.info/www/bejne/Y3O4aZuvjpKNjs0&t

[@KENKANEKI373]

will you launch video in hindi language also

[@varsitybyzerodha]

Hi, we're creating content on Hindi as well. kzbin.info/www/bejne/e3LYlHuie9inmrc

[@aparnadange7168]

Turn volume down of music. Music is distracting

[@varsitybyzerodha]

Noted.

[@DheerajYadav-xl9ki]

Correct the background music. That's annoying.

[@ahsanjahangir8834]

Thanks for the video but music is very annoying and it’s difficult to listen to you

[@varsitybyzerodha]

Noted, we'll try keeping it down.

[@dimpaldynamite972]

Remove the music and save our ears

[@avdhutgruhil5101]

Create a Hindi version

[@varunjaiswal6922]

Why eloborate "Emergency fund" in all the videos?? If one is serious about it will follow the method even after seeing one video, hence please discuss more on the intended video title. Thanks for understanding.

[@siddheshwarkore283]

Cross-selling for ditto insurance as well seen in all videos

[@laltumandal5050]

My age is 33 and i want to create a fat amount with longer periods of time, maybe 20-25 years so in that case which type of fund I chose. I already have 2 mutual funds in a small cap and it cost around 2k only. .

[@raghu4629]

Please be in hindi😅😅😅😅 Hindi bolo yaar samaj nhi AA rhi angrezi

[@PRAVEENKUMAR-hl7ir]

Jyada ho gaya. Please do not follow this instructions.. He is too much conservative..

[@bijendramahapatra6907]

unnecessary irritating music

[@RaviShankar-nm9ov]

Only bakwas no new ideas

[@swamidasdalvi4845]

Most boring speaker.

[@secularhumanitybasedindian7772]

Table is very blurr.! Not able to see single lins

[@HareKriishna]

Thank you 👍 586128