Best Debt Mutual Fund Guide for Beginners | How to Invest in Debt Funds? | What is Debt Fund?

[@ETMONEY]

*Video 2 of Debt Mutual Fund Series* Learn how to read and analyse a debt mutual fund factsheet as we understand terms like Yield-to-Maturity, Average Maturity, Macaulay Duration, Modified Duration and more (Video link: kzbin.info/www/bejne/Z3O3nJhvnrGoj8k)

[@abhirupbose2399]

Have you released any video explaining the SD of Floater & Banking-psu debt funds? I see a mention of a future video. However, I couldn’t spot one.

[@hajirasiddique8741]

Nmvf08th I mmo8

[@NiranjanKumar-we1fb]

Cc

[@amrhamed9315]

No doubts , a good way of growing and saving your money is through investing . You don't need to have much before you can invest. "That little money you have now can make you millions if you invest it wisely". I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made..

[@sonlee8066]

Nice one,any investment tip? I would love to know how you made it this far

[@amrhamed9315]

I initially started my investment journey with the guidance of an investment advisor named Regina Louise Collaro..She's widely recognized for her expertise, so you might have come across her name. Her transparent approach granted me full control of my investments, and her fees are reasonable, considering my return on investment.Now, I benefit from her income strategies every month.Nonetheless, it's crucial to conduct thorough research before engaging with any investment advisor.

[@sonlee8066]

I've read testimony of people employing investment advisors to help them become more financially stable, therefore your investment advisor must be pretty good. Would you mind providing more details about this person?

[@amrhamed9315]

Regina Louise Collaro is based in the United States and can work with anybody wherever they stay. If you would like more information on reaching her, you can conduct a search online.

[@markerpetertil]

Personally, I'm blessed and realizing I'm not the only one working with Regina Louise Collaro. I will consider myself lucky. I've been able to feed and make a living through her advice and great work. For such a person as Regina, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does

[@PiXimperfect]

This channel is truly gold. I am hooked. Good, researched, and well put together information without any of the "get rich quick" schemes.

[@ETMONEY]

Thank you!

[@thepixelsnapper]

Great to see, editing expert @piximperfect learning Finance !!!

[@Rushikeshhome]

Everyone is talking about equities, but having a debt portion is important too. We want more videos like this.

[@Rushikeshhome]

@@ETMONEY I am not aware of others' behavior but right now I have a liquid and a short duration fund (1-3 months) along with some SGB on my debt side.

[@arindomchanda6867]

Now I finally understand about debt funds! You are great speaker!❤️

[@ETMONEY]

Glad you found the content helpful

[@hello62940]

not only financial learning...this channel teaches how to be gentle, wise, sober and a good speaker, ultimately attracting the audiences from start to end...amazing way of presentation

[@ETMONEY]

Thank you very much

[@anshumanbhardwaj5546]

Very informative, no body talks about debt. I'm glad you guys did, your video format is simple. Thanks a lot

[@ETMONEY]

Thanks for the appreciation.

[@ashutoshmadhwani2335]

Tbh I never expected this much complexity in Debt funds Big applause to ET money team , you guys are doing great job🙌🙏

[@ETMONEY]

Thank you Ashutosh Madhwani

[@shreyasshastry1]

Very informative. While there are many channels on equity mutual funds, there are very few for debt funds and this is one

[@dhruvsharma3389]

Very well Explained,,, I just have one advice to explain it like to a child.... Example, for pranjal kamra videos, I understand them more easily, becoz he uses simple terms and explain about every word he uses in the video,, with good examples..

[@ETMONEY]

Most welcome. Some of our videos are on more advanced topics than what Pranjal makes. There is a reason. Pranjal's videos appeal to a lot of not-yet-invested and new-to-investing folks .. and he does a good job of that. Ours (atleast I feel) caters more to people who have a year of mutual fund investing under their belt. While this means less viewers for us, but hopefully we'll be the channel where a lot of Pranjal's viewers graduate into. Hope this is making sense

[@ashishtrivedi1991]

This is by far the best video series on debt mutual funds

[@ETMONEY]

Thank you for your appreciation

[@abhishekgoenkaifa]

shankar is extremely clear - one of the best content - kudos.

[@ETMONEY]

Thanks

[@story_teller4268]

"This is not a buy it and sell it thing" thanks!

[@rajanpatel57]

By far the best video on debt fund understanding

[@ETMONEY]

Thank you

[@taakappa]

Mutual fund is a huge subject and complicated area. After watching this 20mins I return pretty much enlightened. Thank you for the content. Keep making such videos and enlighten the budding investors who are looking for financial freedom.

[@ETMONEY]

Glad it was helpful!

[@shankar4005]

Much awaited series on Debt Funds. Thank you. I am currently confused on what debt funds to add to my long term portfolio to achieve portfolio diversification

[@ETMONEY]

Thank you. Yes, that's a pertinent question and a lot of decisioning variables are available in the video. The next video on YTM, Modified Duration etc. will further reinforce the understanding. Hope you like it. Thx

[@MadhuBabuMandava]

You deserve better viewership. Appreciate your content and efforts!

[@ETMONEY]

Thank you very much. Appreciate your kind words. Do share the channel with others so that they too can take advantage of our content

[@suprakashde]

You are doing a great Job.. a service to the nation..

[@HareeshSurya]

By far the most toughest topic. Debt funds are often considered very easy to invest but in reality they are very tough than equity

[@ETMONEY]

Yes Hareesh Surya. Even we found debt more complex than equity. Too many variables at play here which needs to be addressed by the investor him/herself

[@HareeshSurya]

@@ETMONEY Considering the complexity and external factorial risk with debt, can you please suggest capital risk free debt instruments?

[@amit9565]

best video to understand debt funds

[@ETMONEY]

Thank you

[@techcheck2218]

Sir please focus more on conclusion with some examples.. like your vdos are great but for an average investors like us please make it more example oriented. And one thing this type of data analysis in nath sir vdos ae amazing and we dont find these any where else

[@kalpeshpathare4598]

Great learning and new insight on Debt funds. Looking forward for 2nd Video.

[@ETMONEY]

Thank you

[@adnandodmani7340]

Quite informative ..! Thanks for this initiative..!! Expecting more videos in future on all investing strategies..!

[@ETMONEY]

Thank you

[@Ronakgohil]

Thank you sir for detailed explanation :). After this video, I understood that debt fund ivestment is certainly not invest and forget path.

[@ETMONEY]

You are most welcome

[@kaushalgajjar7095]

Excellent video, I am looking forward to more videos on the debt fund series..

[@mittalmadhav123]

Superb video, hope you specifically cover psu and debt funds in future video

[@drchandrashekars]

Great initiative , thank you and your team for taking all the effort to make a consise and informative video of debt fund . Your narrative style is wonderful and filled with knowledge 👍👍

[@ETMONEY]

Our pleasure! Do share the videos you like to your friends and colleagues & spread the word. Thx!

[@kulkarnirajendra]

This is a real gem, thank you!

[@ETMONEY]

Thank you

[@ravigupta23]

Wonderful & very insightful video. Thx Shankar , your way of sharing in all videos is commendable.

[@ETMONEY]

You're most welcome. Thank you for your kind words

[@agarwalsonika7]

This video is so informative and precise

[@ETMONEY]

Thank you very much

[@Bob-dt8tc]

Very informative. Thanks.

[@ETMONEY]

Thanks

[@seajaey1]

Superb video. Thank you! 👍🏻

[@ETMONEY]

Glad you liked it!

[@Shrivatsaharagapur]

Fixed deposit r much better than Debt investments.....to protect capitals... To grow the capital Equity investment r the way to go.

[@PallaviKiRasoi-0537]

Excellent content with extremely simple explanations ..👌👍

[@ETMONEY]

Thank you Rohit Agrawal

[@prakashraghunathan2685]

The presentation is very good sir.thank you.

[@ETMONEY]

Thank you very much.

[@MoneyMindedMacha]

Much awaited video. Thanks so much @ETMoney !!!

[@ETMONEY]

Thank you. Debt mutual funds is a vast topic so we'll have multiple videos

[@rajavelr6972]

Very informative video with stats....how inflation is related to interest rate ? in upcoming years will interest rate will fall ???

[@shivanirapotra720]

Worth watching, thank you for such a knowledgeable video 🙏🙏

[@ETMONEY]

Glad you liked it. Thx

[@abhijitdebnath9811]

Thanks for starting this series. Also thanks for suggesting BCG, it's great. Once Raamdeo Agarwal said he took 20 years to find his investing style. It is really a difficult task. What are aspects do you think a DIY investor should consider finding his investing style easily, safely within a short period?

[@abhijitdebnath9811]

@@ETMONEY You're right. Could you please recommend some reading materials for such investors?

[@ETMONEY]

@@abhijitdebnath9811 A good place to start www.sanjaybakshi.net/media/ (all links not working but most work)

[@narayanhari9706]

Excellent........wide range analysis. Greetings.

[@ETMONEY]

Glad you liked it! Thanks

[@narayanhari9706]

@@ETMONEY respected sir your each & every word reflects years of study & research. Blessings.

[@jagadishbewoor3247]

Good information.At present condition where to invest in debt fund which is better than bank fd

[@ETMONEY]

Thanks. We'll address some of this in the next video.

[@pksharma9296]

Nice & clear presentation 👍

[@joydipnath321]

hi sir my name is Joydip Nath and videos is very helpful to understand.... thank you sir

[@ETMONEY]

Thanks and welcome

[@sikkumathews9224]

Simply excellent! Keep going..love the informative videos!

[@ETMONEY]

Thank you very much

[@siddharthghosh6915]

Sir , if someone is already investing in debt instruments like PPF , EPF , VPF , do they still to invest in debt funds . Also debt funds have indexation and are taxed, so it's always better to have debt instruments like PPF , EPF and VPF which has EEE benefits. Can you please give your feedback.

[@siddharthghosh6915]

@@ETMONEY Thanks Sir . Debt funds with average return of 7-8% and with taxes , the effective return will be 6%. So does this justify to be invested in debt funds . Better option is we can go for arbitrage funds which is taxed as equity and 1L return would be exempted . So every year we can get exempted for 1L which serves the short term . Also if someone has also invested for long term in PPF say 10years so his lock in period will be less . So investing in debt fund will not be justified . I am still not sure if debt fund allocation is necessary in one's portfolio. Please advice.

[@SaurabhSingh-in]

This is a great video. It has explained the basics in a comprehensive manner. But I have doubt choosing a debt fund. It says that when interest rate is likely going up opt for short term fund. But they are for short period. If my risk appetite is low to moderate and I am fine with 8-9% return and want to be invested for long term like 5-7 years. Would you suggest me to still go for short term fund in today scenario or I can go for Gilt funds. Please explain.

[@kmbala555]

If you have goal less than 10 years, buy one ultra short term fund. Gilt funds will be used for goals with 30 years.

[@anilshenoy5859]

Sir, would like to have etmoney opinion on the recent SEBI circular regarding Perpetual bonds issued by the banks it's valuation and impact on NAV. I have seen a correction in all the debt funds (Banking and PSU) debt fund. So the regulators change in policy also affects the investors. Please include the same in Part 2 of the video.

[@ETMONEY]

Surely we'll present our findings soon on this. Thanks

[@YogeshPatilTheAlchemist]

As always crisp and clear.

[@ETMONEY]

Thanks Yogesh Patil

[@pramodbalakrishnan6073]

Great Content as usual. Please provide more information on Debt funds and investing strategies around them

[@abhijitc1526]

Thank you for this informative session. Looking forward to more videos on Financial Planning for "late" beginners (50+ years & above). That's a trick one, I reckon!

[@ETMONEY]

Most welcome

[@dsb700]

Thanks for educating investors

[@shekharpandey8459]

Presentation is always beautiful and great explanation skills !

[@ETMONEY]

Thank you

[@jesurajesh]

Lot of meat in this video and looking forward for the next videos in this series. Shankar makes it interesting

[@ETMONEY]

Thank you Jesus Rajesh

[@mithilchindarkar]

Thank you for the amazing video. When is the good time to start SIP in debt funds. If we start when the interest rates are rising; wouldn't it average out on long term horizon?

[@kmbala555]

If you wait for interest rates to get high, then it won't happen. So when you have some money to invest, that's the right time to invest.

[@pain7823]

Do debt funds pay interest to their investor and if they do, where can we find the information about how much interest a debt fund has paid in past years or is it just the difference in the NAV at the time of investing in the fund and the time when you redeem your shares in the fund

[@shivakumarburli672]

If interest rate remain same, then atleast coupon rate can be expected? Currently debt fund yields are pretty bad! Why sir?

[@7777777model]

Good video, lot of learning. Thanks

[@Oxygenfactory1]

Very nicely explained 👏 👌

[@kunalgadekar4183]

Hindi mae vidoes hota to jyada reach milti, indian mae log axar hindi mae sunn na jyada pasand karte hain, jinko english samjta hain vo bhi hindi hi preferred karnge, aur jisko hindi nahi samajti vo bahut rare hoge to vo log CC on karke english subtitles read kr sakte hain, bas mujhe yahi lagta hain ki hindi language se jyada log connect kar paoge.

[@theindian5817]

Does this means investing on bonds are better than investing on debt funds.

[@shami_fin]

Excellent... as always!

[@ETMONEY]

Thank you! Cheers!

[@harpreetvishnoi6433]

This is amazing!! Thank you

[@ETMONEY]

Glad you like it!

[@krishnamohanr4929]

Excellent and well explained..you guys are doing a great job

[@ETMONEY]

Thank you

[@Mumbaiwestbengal96]

Ultrashort fund is probably the best debt fund.

[@maddyphilful]

In terms of standard deviation for PSU debt funds is it good or worse. As i lost in understanding

[@snehaldesai3031]

Very Well Explained Shankar.

[@ETMONEY]

Thank you very much

[@madhurkhanna94]

Insightful and well explained

[@ETMONEY]

Thanks

[@Saurabh.P]

So shall we not keep part of the emergency fund in liquid debt funds for longer time? Like ET money SmartDeposit?

[@story_teller4268]

Thanks for posting a vedio in english!

[@kavali_king]

Very informative session. I have few queries to you :-) 1) Can we consider EPF + PPF as DEBT instruments ? If so 2) Am I good to have around 25% of net worth in these 2 ( EPF + PPF ) ? If not 3) Do you advise me to move a part of that from EPF+PPF to some DEBT fund ?? If yes 4) what will be the better % ( of my net worth ) to have in EPF + PPF and what % should be in DEBT Mutual Funds ?? 5) Last but not least - if I am looking for 10 year Investment horizon then what kind of DEBT fund that you suggest ??

[@kmbala555]

1. EPF and PPF are debt instruments 2. You need to choose debt - equity ratio. But you should have atleast 30% in debt. In case you are having only these two as debt components, then build a strong emergency fund or add one debt fund. Reason is simple, in case you exhausted emergency fund, next step is to withdraw money from debt components. But EPF and PPF have delay in liquidity 3) Of course not. EPF and PPF are awesome debt components. 4) Determine your asses allocation, if u have strong emergency fund, put all your money in PPF, if you exhausted the PPF limit, choose one debt fund. If you don't have strong emergency fund, put some money in debt fund and invest remaining in PPF 5) Buy one ultra short term fund with average returns. Don't go for fund with extraordinary returns and fund with bad returns. Other people will suggest to go for funds with higher maturity periods. But keep in mind, Debt is more risker than equity. We should invest in debt for decent returns so that we can take risk with equity part, so understanding these things and invest wise.

[@shilpagupta2557]

Great information

[@ETMONEY]

Glad it was helpful!

[@anutoshbhattacharya6287]

Hi Shankar, To be frank this video is complex. Struggled to understood it properly. I have one question . If i have 50% of my total savings into bank FD then do i need to consider the Debt mutual funds.

[@satyam-evajayate438]

Yes. Up to 5 lakhs per bank is fine. It's better move to DEBT funds basing on your retirements. You need advice and never invest without understanding.

[@OrganicFarmingKarthik]

Very informative video . Hoping to follow your future videos

[@abhinavarora36]

credit risk mutual funds are longer maturity or short maturity bonds ?

[@arindammitra1097]

Sir...Fed has hinted that it is going to increase the interest rates 2 times anytime within 2023 due to high inflation. How it is going to Indian debt market? One of my short term fund has decreased .20% in last 2 days. Shall it be a good idea to shift to low duration or ultra-short term funds? Sir, Please advice.

[@jatinmehta8651]

Great presentation as usual .. in-depth and jargons made easy to understand. Keep it up, Shankar. I would like to draw your attention to charts/tables that you use during presentation.. they are too blurred to read and they should be in mobile screen compatible font size. Please look into it

[@atanugoswami6134]

The video is very informative... Appreciate the effort of the whole team... But your app needs some serious work... There are various issues with the app...

[@thepixelsnapper]

Amazing insight, this video is like putting together of years of experience and knowledge in the finance field..!!!

[@Dedicatetosir]

The best presenter with superb content, analysis and humble voice. Good luck Shankar

[@ETMONEY]

Thank you very much

[@sushantrathod9772]

I agree

[@gjayar]

Excellent... wow

[@ETMONEY]

Thanks!

[@KarthikRao1995]

This was a good one. Really informative

[@sarthak241989]

Excellent video sir. Finally knew the types of accrual based funds and difference with duration fund as there was confusion as even ultra short term can b termed as a duration fund.

[@DensonGeorge18]

The % interest rate on a bond is not compounded ?

[@suryateja6027]

Nice video.. please suggest if SIP is good or Lumpsum investment is good in debt funds?

[@Vivek788]

Thanks for the great video. One thing I find difficult to grasp if whether any of the investment strategies explained here applies to retail investors into a debt MF. Namely, was the suggestion to buy debt MF units when the interest rate are expected to be lowered and vice versa? It seemed like a great strategy for an MF manager to buy and sell bonds based on YTM, interest rate changes etc, but not for a retail investor. Please guide me and if possible state what would be a good investment strategy for Debt MF owners. Another video to capture the detailed would also be great.

[@ETMONEY]

Most welcome Curious to know - have you tried these plays after watching this video and some more research on the Internet? If not, it will be difficult to explain and understand. I've been using this for over 7 years and it's worked very well. And yes, it took me (also retail investor) 2-3 months to figure things but the rewards more than made up the efforts.

[@ramyasri6093]

Sir. Great initiative.. Can you please tell how to know which debt fund has invested in AT1/Perpetual bonds & how to identify perpetual bonds. ?

[@stormshadow0808]

Very informative as always. Amazed by your explanation skills.

[@ETMONEY]

Thank you for your appreciate Rahul Chanda

[@abhinav139]

Nice Explanation 👍

[@ETMONEY]

Thanks

[@ulhasvaze]

very well explain

[@vinay0409]

Hi I have invested in 4 mutual funds directly from source account like icici, Nippon, axis, etc, can I track all if them in etmoney like myCAMS please let me know

[@vinay0409]

@@ETMONEY can you tell em steps I am not able to find it anywhere I have my pdf file but there is no any option in EtMoney to upload it please help

[@rsingh4044]

Very informative

[@SuvojyotiRoy]

Brilliant stuff!

[@ETMONEY]

Thx!

[@sunitapanigrahi906]

Great work!!!Could you also make a video on roll down strategies pleaseee!!!

[@pavankumary4654]

Way of delivering content is very good 🙂

[@ETMONEY]

Thanks!

[@madhavanv6688]

Thanks a ton, Mr. Sankar Nath for the informative video. Eagerly looking forward to other videos mentioned by you to enhance my financial literacy. With infinite love

[@ETMONEY]

Most welcome, Madhavan Venkatachari. Glad you liked this content

[@nitinsadana]

Thank you for the video. I have a question. Won't treating a longer term debt investing strategy into multiple short term investments , as suggested in the video, attract a higher net overall capital gains tax , since the difference between STCG and LTCG is 3 years for debt funds.?

[@ETMONEY]

Most welcome. There seems to be some confusion here. The approach put forward was to look at shorter duration funds rather than longer duration funds.

[@nitinsadana]

@@ETMONEY so the suggestion is to invest in shorter duration funds but how do we decide when to withdraw from a shorter duration fund as it may have tax implication

[@karanbayad8]

pls make a video on arbitrage funds too

[@mukeshrohilla5945]

🔴🔴🔴Very informative video 🙏🙏🙏

[@ETMONEY]

Thank you

[@ashimmaheshwary8272]

Very informative.

[@ETMONEY]

Glad it was helpful!

[@soumenghosal522]

Thanks sir. I shall be happy if you explain whether expense ratio will be charged each time I switch a fund. Although, fund remains within the same fund house i.e. from one scheme to other say equity to debt or vice versa.