Investing in Mutual Funds? Don't make these 5 blunders | Money-Minded Mandeep

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It is important for beginner investors and has exposure to mutual funds without a proper understanding of them. You all might be sitting on huge profits right now but keep in mind, that only a 50% drop will wipe out 100% profits. There, it becomes very important for you to be aware of the most common myths about mutual funds, or should I say, Blunders that almost all beginners investor makes.
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Chapters:
0:00 Crash is coming, & winter, too
1:26 Blunder 1
8:55 Blunder 2
11:34 Blunder 3
13:25 Blunder 4
16:24 Blunder 5
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#Investment #mutualfunds

[@LabourLawAdvisor]

DEMAT ACCOUNT: link.labourlawadvisor.in/demat DISCORD: labourlawadvisor.in/link/discord Best Mutual Fund App: labourlawadvisor.in/link/Mutual-Fund COURSES: labourlawadvisor.in/link/LPTI

[@akshaydeshmukh4619]

Bhai bahoot sahi smajhate ho aaap mandip bhaiiya , please equity mf selection ke liye next video lao thanks

[@ronidas4180]

HDFC INDEX FUND SENSEX PLAN PARAG PARIKH FARZi CAP🤪🤪 MOTILAL OSWAL NDQ 100 FOF Mera Y-tube channel to nahi hai... Pr sir ess comments me aapka ek comment to banta hai....😂😃

[@ben-uy1ud]

@Labour Law Advisor pls could you make a video on mutual fund taxation. 1) How do we need to pay the tax when we redeem (thru IT return?). 2) Are there any tax saving strategies like tax harvesting, rebalancing (need to know what are these) OR is it good to only redeem only say after my goal of 20 yrs (eg.) and pay 10% tax in the end? 3) Also, when is the right time to exit? 2 3 yrs before when we need the funds?... To take care of any market fluctuations. 4) what is indexation? Many are clueless wrt to MF taxation, any video on this topic would be really helpful - Thanks.

[@suryahr307]

Sir I didn't understand last blunder. You only said in some previous video that tax won't be applied for upto 1 lakh rs. So it is best to withdraw and re-invest when the value is around 1 lakh.

[@LabourLawAdvisor]

Video already made last year :)

[@ngocdausch]

Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.

[@posy-zj5qy]

People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.

[@strayhorn-dc1bq]

Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.

[@trosien-nz3je]

I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!

[@strayhorn-dc1bq]

Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@trosien-nz3je]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@niladridebsarkar9174]

Total 4 schemes, 1. Flexi cap, 2. Large cap (Index fund) 3. Debt fund (To park money and wait for market crash) 4. Small cap (long term view).

[@FINtalkss]

Index funds also in lime lite these days, Whats you views on same - esp for NFO - Tata Digital nifty index ETF fund of fund.

[@Harsimran5230]

@@FINtalkss he talked about sectoral fund. Index funds are slowly gaining market share.

[@FINtalkss]

@@Harsimran5230 there is New index based on IT sector I.e Digital Index newly introduced ... Based on that new Index ETF launched that is Tata Nifty Digital index that is replica of sectoral fund. So this os the first ever fund launched as of now on Digital index equal to sectoral fund ... is also start trending and good one to invest. Ultimately amount invest in mix of big and small cap IT Co only.

[@invoker8890]

What about mid cap?

[@selimansary7604]

Each point is significantly valuable. People who actually knows about mutual funds only they can feel it. 😊

[@manishalive]

I saw this video by chance and although I knew all about the funds, I was still intrigued to watch the video. You gave very good info for a just starting guy. Thanks.

[@parveenbhardwaj2252]

Whenever you think you know enough to start investing... Mandeep comes with new suprises... Very informative and blunders I was also into... Thanks

[@bolt9882]

One of the very few channels where I don't skip the intro😛

[@aniketchakraborty8544]

Maandeep Ji you are doing a very good work for us! Thank You Sir! Also, you have good knowledge, I have watched many of your videos!

[@gouravwalunj1622]

LLA you are doing great job,Please continue these series of detailed videos ,we like every video of Your's, and we want more videos related to Basics of Business,I regularly watch your videos & I really Appreciate your Work.You are doing Great job👌👌👌keep it up,we Support YOU !!!

[@BusinessideasBasti]

Thank You so much for guidance 💕

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 +44(7868) 6=9=2=4=6=3........

[@philipdemarkos1]

Mandeep, Thanks a lot for this detailed blunder list with respect to MF investments. Honestly, I have committed all these blunders. Good content with systematic delivery in easy-to-understand terms for non-BCom/Finance blokes like me. Keep up the good work. Thanks and Regards.

[@pr8794]

Wonderful Concepts.. This is a much needed content on MF's and amazing to see.

[@beginnerguitarlessons3133]

Love the way u explain everything appreciate your efforts ❤️🙇‍♂️

[@adwaitvedant3297]

While choosing Mutual find I will see following components 1) Lower expense ratio 2) Direct fund 3) Past record 4) Asset Under Management 5) Portfolio diversification

[@akashroy4467]

you are missing fund manager profile .... and one more thing past record means not ultra shortterm.. longer past records like 5 to 10 yrs.. New channel but good content. You can checkout this video to avoid mutual fund investment mistakes- kzbin.info/www/bejne/p3_HgZRtrsmheaM

[@namrathamohank6450]

Why direct over regular?

[@ankuryadav156]

​@@namrathamohank6450 you have to pay extra charge with low returns

[@anjb9115]

Keep Making this kind of videos!!! Thank You👏👏👏

[@sharadsarda6537]

Thanks Mandeep. You are transforming every one into money minded.

[@krishna.m4611]

Awesome eye-opening informative and very very impactful explaination with simple manner but highly researched sir. Eagerly waiting for next series you mentioned in this video. Best Regards.

[@7patel445]

Apki Jitni Tarif kare utani kam he.....Hats off sir ji....Keep continue 🔥👍👍

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 +44(7868) 6=9=2=4=6=3........

[@jasmeetsingh2069]

With ULIPs plan improving a lot as they face tough competition from Mutual funds and also the special benifits of having no LTCG in Ulips maturity amount, Please make a full detailed video showing why MFs are still better than Ulips taking in mind post tax returns

[@abdulkotwala]

Was blindly looking into expense ratio. I was not aware about the reality of NAV returns having expense ratio deducted already. Thanks bro!

[@DP-wm4mi]

Surprisingly, didn't make any of the blunders mentioned but was on the move to buy sectoral funds or get many mutual funds.. good video.. Thank you!!!

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 +44(7868) 6=9=2=4=6=3........

[@neeraj91mathur]

Awesome video again, to the point, and very informative. Great job LLA.

[@dishant_7]

So much knowledge . Wow .. i love this ! Thanks a lot♥️

[@soumyajitchowdhury2807]

I am totally blown away by your content delivery and easy-to-understand breakdowns of concepts. Thanx for making us Jagruk. I have one request, can you make a detailed video about SWP in mutual funds?. I have recently inherited some corpus and would like to know the points to be kept in mind while investing Lumpsum and taking the SWP route for monthly income. Thank you again.

[@sahilkushwaha5864]

Park it in any short term debt fund. Start an SWP to any equity mutual fund of your choice. In this way ur net return will be better if than if you would have kept it in bank account or in cash.

[@SanjoyDas-cz7zw]

Hi, I am following your channel for a long time, and I want to thank you for creating such informative content. I feel you may consider making a video on the topic " when to exit a small-cap mutual fund."

[@mehul6889]

I M from commerce background still his knowledge amazes me

[@shantanukale2658]

Liked the new studio/setup.❤ Content is always lit 🔥🔥

[@shashendrapauranik7643]

Just thanks for enlightenment...stay blessed!

[@vinaywadhwa99]

Thanks Mandeep. I was always confused about the expense ratio point and never got right answer from anywhere, I used to minus it from the returns to compare 2 MF schemes. Finally my confusion is clear that Expense Ratio is irrelevant when we are comparing returns of 2 MFs.

[@harshitvineetsharma7501]

Bhai kya bolte ho yar aap ♥️truly enjoyed watching even the complex subject .. God bless u brother

[@joelwilson9079]

Great video and I like your opinions; disagreeing on one: can/should have 4-5 diversified MF covering growth, emerging markets(small) , value/utilities based (time bounded) etc

[@phaniavireddy]

Seriously waiting for this upcoming videos about how to choose mutual funds.

[@shradhapandey3533]

I am completely unaware about or these mutual funds like investment are new to me..... thankyou so much for the first step of financial literacy 🙏🌸...keep making these kind of super interesting and informative videos....Mata Rani bless you Mandeep and LLA team...Jai Mata Di ❤️🙏😇🌸

[@saulgoodman980]

Great video! I'm still kinda confused about expense ratio though. If returns and NAVs are calculated after factoring in expense ratios, then why do we even need to bother?!

[@LabourLawAdvisor]

1. High expenses being deducted from NAV automatically means lower return. This is important, same MF will have 2 versions: regular and direct. Regular plan will have a higher expense ratio. Meaning, returns from the direct plan will be higher than those of regular plan even though it is the same mutual fund. 2. You would want to know which mutual funds fail to beat their benchmark and yet charge a high expense ratio. It's a sign to stay away from them. Only if a mutual fund justifies expense ratio by its performance, we need not worry.

[@saulgoodman980]

@@LabourLawAdvisor Coool, thank you!!

[@Aashiq3]

@@saulgoodman980 You still got Pinkman's money?

[@DeepakSharma-sp8cr]

Good video , we are in Sept end now and still market is only going up up and up.. unheared of 18yrs of bull run!!

[@venkatasivaprasadtangirala8535]

I am watching your videos and getting so much of knowledge. Thanks a lot

[@aadi800]

Committed the mistake of buying too many funds. I finalised the funds 2 days back and ended up investing in 10 of them. Will wait for your video on how to choose which equity MFs to invest in. That video is definitely of highest priority than any other videos that you may be planning. Thanks! Your content is definitely helpful and valuable.

[@1Bond007]

Oh bhai.. sfo Gaye they aap

[@chiragsharma293]

Bhai nifty index fund... Parag parikh flexi cap fund.... Mirae asset emerging bluechip fund... Thats it... Baki bina mtlb over diversify krne se kuch ni hoga

[@1Bond007]

@@chiragsharma293 Bhai , ye nifty index me kya kya Lena hai.. nifty 50, next 50 , 100 etc etc.. kuch funds name bi suggest karo Bhai.. main research karke dekunga

[@chiragsharma293]

@@1Bond007 nifty 50

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 +44(7868) 6=9=2=4=6=3........

[@amandeepsingh5476]

Very informative video.... although i was lucky enough not having done these blunders as i only have 2 MF, 1 with NAV of 30 and other of 450 and among that one is an index fund and both are for the purpose of long term

[@akashroy4467]

New channel but good content. You can checkout this video to avoid mutual fund investment mistakes- kzbin.info/www/bejne/p3_HgZRtrsmheaM

[@ganeshnarayanan2574]

Points are quite useful and educative on selection of funds, return and stay in long term based on expense ration and % of growth.

[@satyam-evajayate438]

We've done all these 5 mistakes before stabilizing portfolio, for learning purposes. It's important to have ELSS in the portfolio, as it will help not take emotional decisions due to lock-in period of 3 years. In these 3 years, investors become realistic and learn most of the aspects of wealth creation.

[@CreativityGoesLive]

I stopped by to see what different does this video has to offer. Must admit, this is totally what others don't cover.

[@krishnakantchoudhary797]

So true

[@tushar7988]

You are actually the first person who may have given this info.. My MF selection was strictly based on expense ratio.. Thank you Mandeep 👍👍

[@SuperImroz]

He's always the first person to give viewers appropriate advice.

[@SurajInd89]

Keep on investing in index funds. No one is forcing you not to. But after twenty years, don’t regret that, just to save that 0.5% in expense ratio, you had missed out a great opportunity to invest in a small or midcap fund.

[@T.S.R.]

@@SurajInd89 please bro suggest me a good index fund

[@SurajInd89]

@@T.S.R. I do not advise you to go for index funds if the intention is just to save expense ratio. Many index funds have tracking error almost equal to the expense ratio of active funds. So what's the purpose? I personally invest in only one index fund, that's UTI Nifty Index Fund, which has the lowest TER and tracking error among all the index funds tracking Nifty 50.

[@thrallingFRglory]

Suraj What small cap or mid cap fund would you suggest for someone just starting out? I don’t necessarily have any short term goals. The intention is to stay in it for the long haul.

[@akanshusingh3707]

amazing production, best in class!!

[@Xxcept1onXD]

I love the way you are spreading awareness for eco-friendly lifestly in your intro. It's not about saving money all the time, you should do something for the environment also

[@akashroy4467]

New channel but good content. You can checkout this video to avoid mutual fund investment mistakes- kzbin.info/www/bejne/p3_HgZRtrsmheaM

[@adityaramaprasad586]

Hey LLA Experts , Can you make short series of 3 to 4 videos on how to save income tax, investment in MF, share market for beginners. Thanks in advance. These videos will give us an idea of how to start the journey to financial freedom and diversified investment.

[@vishnuk1031]

Have been part of the discord community. A huge community indeed.

[@VictorAvinashSinha]

Absolutely!

[@albertishu9066]

Trust me guys he brings the most comprehensive and detailed video on any topic

[@pratikpatil3730]

helped a lot, made me realise so many things. thanks!

[@anandaggarwal5510]

thanks Mandeep for always guiding us, the only thing I have done is choose Sectoral Fund, but I did it intentionally and no one told me or guided me about same. I am invested in Tata Digital India fund started Sep 2020 only, I have most conviction on IT companies may bcoz I working in TCS from 8 years now :)

[@himanshisharma3052]

i agree, did the same

[@samsm0507]

Hello Mandip. Was just curious about a small thing, if you could clarify. If I start an SIP with a mutual fund, and along with the SIP, I also keep adding extra funds (in lumpsum) to it in dips, or market corrections, then is it considered to be a good strategy ?

[@mohithooda5769]

Depends on the fund. or you can invest in more than 1 fund also.

[@Kaalpurush_Katha]

Bohot e informative video.. Subscribed kar diya.. Ek heart mil jaye to bohot achha lagta.. 🥰🥰

[@kunalsinghdeo1049]

Great content bro, never thought of these points.

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 +44(7868) 6=9=2=4=6=3........

[@gauravkanade6790]

Hi Mandeep, That's was a great video. Do you think it's a good idea to allocate 5-10% of investment corpus to sectoral funds (Sectors which clearly look promising for the next decade like Pharma & Consumption).

[@mohithooda5769]

You could do it. But please know that you most probably could see the fund in red for a long time, so you must have patience to last that phase.

[@apurvhellstinger]

Bro you're not just smart and explain in simple language,But your intro song is also metal that's an added trust factor ,

[@mohanayare]

I felt like pressing 'Like' button min 5-6 times while watching this VDO. I was committing mistake of focussing on TER. U clarified it well. Thanks👍🏻

[@ramakrishnadeshaboina5950]

Thank you for your valuable suggestions on MF , recently I have started One SIP MF

[@vineetkapoor1300]

Strongly disagree with keeping 1-2 funds. e.g. For retirement which is 20-30 yrs, small cap and mid cap will definitely outperform multicap and largecap. So fund type selection is dependent on goal. Goals can be many.

[@abheypathania]

Maximum 4-5 funds are ideal.. i guess...

[@nirajgaudani6147]

5 funds

[@gauravagrawal9265]

Correct

[@bhargavchandel9205]

Small cap Mid cap Large cap Tech Nifty 50 index thats all you need ! 15-20% cagr

[@Kharadi_Construction_status]

Also you start investing in some good fund, they stop accepting more money. So you start with another and then they stop. Now you cant sell the first 2 as they are truly good funds. But are forced to invest in 3rd.

[@navneet2649]

@14:48 so whenever we see returns in % mentioned on any platform like Groww, Moneycontrol etc then it will always be after deducting the expense ratio, right? In ur eg also NAV returns is after the expense ratio and hence MF1 will be better than MF2 even toh ER of MF1 is greater, right?

[@SantoshSingh-te7ge]

Respected sir Pls answer mai through the zerodha niftybees me invest krna jyda good idea hoga ya nifty index ka mutual fund lena

[@rishiwaghmare8832]

First video watched on the channel. Very informative interesting and really great graphic design used like summary at the end.. He is honest about what is he saying like link in description will help channel grow.. Even if you don't you are helping channel by watching.. Wish you all the best sir.. Subscribed the channel 👍🏻

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 + 44 (7868) 6 = 9= 2= 4 = 6= 3....

[@pravinyadav8261]

Thanks for informative content. I am asking very simple question, lets consider I want to invest 50k monthly then 25k each in two funds or 10k each in 5 funds. I believe 25k each in two funds is more riskier than 10k each in 5 funds. Everyone says Portfolio should be diversified so 10k each in 5 funds would be ideal scenario. Another concern about sector fund but I believe some sectors funds like ICICI prudential technology funds are giving consistent returns over several past years so its not bad to put sector fund in portfolio might be only 20% allocation from entire portfolio and its all depends on requirements. In long term perspective sectors fund are quite good specially IT sectors which always outperform other sectors in long term 10 to 15 years

[@shivbhardwaj4771]

Hey man, finance guy here IT sector has done well over the LAST 10-15 years, pick a sector for the next 10-15 years Trust your own analysis over everything else and always quadruple check your calculations Pick something simple that'll work over a long amount of time

[@pravinyadav8261]

@@shivbhardwaj4771 True. Always believe our own analysis. IT sector is definitely winner for long run.

[@Jaibajrangbali1709]

The term Diversification applies only in case of people who are investing in stocks. Mutual funds are already diversified as they select almost 50-100 stocks. So selecting just 2 categories will be enough diversification.

[@pravinyadav8261]

@@Jaibajrangbali1709 Yes correct if investment amount is less e.g. 10k per month but I am saying diversify in terms of index, small cap, large cap, flexicap, sector and foreign securities when want to invest large amount

[@Jaibajrangbali1709]

@@pravinyadav8261 Brother diversification has nothing to do with amount. Even if you invest billions. If you are picking MF then just select 2 or 3 good ones.

[@vipinsolanki7253]

heartily thanks bhai ...aadhi tension khatam kar d aapne ..

[@travelkeen]

Thanks for video..m begginer..gonna help me for sure .. पॉइंट noted

[@sanchitgupta1457]

Awesome video again Mandeep. Thank you. My mistake: 1. Selling often. 2. Striving for a low expense ratio.

[@akashroy4467]

New channel but good content. You can checkout this video to avoid mutual fund investment mistakes- kzbin.info/www/bejne/p3_HgZRtrsmheaM

[@Sachin1197]

hmm NAVI still at 0.06%

[@barboza1591]

We need more video's on this topic please 🙏🙏🙏🙏🙏

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 +44(7868) 6=9=2=4=6=3........

[@themutualfundtalk2955]

To know more about mutual funds, check out our video on how to select a good mutual fund. kzbin.info/www/bejne/sHuWhKmFesuAgtk

[@pdpanchal115]

Very good explanation. Thank you so much. Please explain how expense ratio cut from SIP ? It cut every year or when we exit from SIP?

[@pavankumark5611]

Thank you Mandeep, when we can expect how to select equity MF series? eagerly waiting for this ..!

[@FinancialSagea]

Knowledgeable video sir ...thank you Fortunately I kept on my mind these things 😊🙏

[@GirishG]

I did B,C and D mistakes 😅 thank you so much Mandeep for this video. Please make a video on how the LTCG tax is paid? Do we need to file the tax or the AMC does it on behalf of me and gives me the remaining money? Also, how the period in exit load is considered when I do SIP?

[@themutualfundtalk2955]

To know how LTCG tax is paid, check out our video on it. kzbin.info/www/bejne/fXndpZVrj6uUiZI

[@hardikp8580]

.

[@Dasgauravraja]

Sir you are like God you explain So easily and nicely that I am really motivated to invest in stocks I have been invested but I have done it mostly play agent now I can understand that I should do it under direct futures on switch to give me a better returns and thank you for enlightening us

[@Dheeraj_Singh29]

Hi Mandeep ! Thank you for the great content, I have a SIP on small cases for the small case account called ( All-weather Investing), being a long-term goal. Could you please help me understand does this fall under Growth or Dividend Fund

[@nampks3]

very well explained. thank you. only thing is your view on sectorial/thematic funds. you're right on pharma example. ppl we should not have herd mentality. but imagine who started SIP in pharma 5 or may be 7 years ago.. if one has some knowledge and long term horizon, can take some calculated risk..not more than 5 or 10%.

[@akashroy4467]

New channel but good content. You can checkout this video to avoid mutual fund investment mistakes- kzbin.info/www/bejne/p3_HgZRtrsmheaM

[@charikachawla9685]

Waiting eagerly for upcoming series on equity MFs 😁

[@esso9763]

Excellent sharing. Very useful information imparted ✨✨✨

[@sankhachakraborty4384]

Thank you for the useful advice 👍

[@pranshuanand4560]

Bhai my dad had a similar portfolio. He had 34 MFs in his portfolio. He had just 4 index funds of different fund houses. Cut the clutter in 2019. Quant active fund Quant smallcap fund & everyone's dear PPFAS. A bit on the risky side but barely any overlap and I believe it will work well with the time horizon of 10years.

[@wewe-fx6un]

Smart

[@mohithooda5769]

Quant smallcap would've given you mind blowing returns last 3/5 years.

[@rohitsinha3876]

Thanks. You are actually doing society a huge favor. I also have a request. Can you also share some strategies for HNI for mid term and long term goals?

[@Nitishk58]

Gaye 179 rs💔

[@rohitsinha3876]

@@Nitishk58 😂

[@Happysoul_3]

He is an HNI, farak ni pdta 😂

[@bhaveshvaishnav633]

Thank you for sharing this knowledge :)

[@sumitkashyap4568]

One info that didn't know about expense ratio. Even i thought it will be deducted from my returns. Thanks a lot for this info ❤

[@mithileshtripathi9987]

I select my Mutual Fund Schemes by looking at various criterias. It's not based on any one point like expense ratio, coz for me returns are more important than the price I pay for that return. Basically it's the net return we get. Love ❤ Labour Law posts. I'm happy to say that I'm not part of any of those blunders...

[@shabaazs791]

Good morning sir. I plan i invest 1lakh in SBI multicap fund which has current NAV of 10.9 My reasoning is this: SBI has consistently performed well across all segments of MF (Small,Mid,Large,Flexi,ELSS) And the fund managers of this scheme have managed other SBI mutual funds successfully. So i am confident that the NAV of this scheme won't be around 10 or lower after 2years. I expect it to cross 20NAV in two years based on performance of other Sbi MFs. Is my reasoning correct?

[@A_k_k__]

​@@shabaazs791u invested? How much returns u got?

[@rushabhpalan6306]

Approximately 18.3% returns uptill now. as NAV is at 12.92 @@A_k_k__

[@AnamikaPS]

I would appreciate if you make a video on how to declutter the list of mutual funds

[@niteenlathkar8748]

you are too good...! thanku for creating such videos

[@gazpachopolice7211]

My mistake is having too many mutual funds. To be fair, a large number of them are debt funds. I used to buy into different debt funds so as seperate them by Capital Gains tax period. And then these segregated portfolios added to the number. I do have a large number of equity funds. Yes I do get attracted to "shiny new objects"😂 but I don't sell my old funds unless their are underperforming.

[@ansh51]

I started into equities a couple of years back with ELSS funds and it was my time of least financial literacy. I made a blunder and I am currently sitting with 5 ELSS funds in my portfolio which I cannot exit due to lock-ins hah.

[@Abhishek-V]

Good for you, you'll get compounding in those funds during bull run.

[@flyhighflyfast]

same. Have 3 ELSS Funds now

[@suryahr307]

Sir I didn't understand last blunder. You only said in some previous video that tax won't be applied for upto 1 lakh rs. So it is best to withdraw and re-invest when the value is around 1 lakh.

[@lurlwdvis1587]

Appreciate your feed back and thanks for watching for more guidance W~H~A~T~S~A~P~P 🔥 +44(7868) 6=9=2=4=6=3........

[@Jaibajrangbali1709]

fake account 😂😂😂😂

[@akairyuugamine09]

Yeah I saw tax harvesting video of Ankur warikoo with excel sheet you save little tax by tax harvesting

[@tejaschinchore7697]

Thanks Mandeep. Could you please suggest some ELSS ? And also the application where we can invest in them.

[@harshilparikh238]

Great content. Can you make the video about Balanced advantage mutual fund & its comparison with other large+mid & multicap funds ?

[@Sandsubha]

I have only one...sbi small cap since 2018. Planning to hold 30 years only till retirement.

[@wewe-fx6un]

Small cap? Watch out

[@digifactbangla4888]

Small cap? Don't

[@abhinandantantri7187]

Not entirely blunder D,but more of considering lower expense ratio without considering the NAV.

[@dhananjaytaware5411]

Thank you for this great knowledge

[@spacerec]

Very well explained. Respect!

[@yashagarwal1985]

Blunder 1: Low NAV high Return❌ Blunder 2 : Investing in sectoral funds Blunder 3: Too many mutual funds Blunder 4 : Expense ratio should not be the only criteria!! Blunder 5 : Frequently withdrawal

[@RajagopalaRaoS]

I had selected too many mutual funds. I was investing in 6 Mutual funds, 2 for each type for security. But your point of investing in minimal funds made sense. In a way, returns are better too in my calculations. Thank you for that

[@MrAlpesh1981]

How? What if these funds did not perform. Its always good to diversify in top 5 funds from same segment rather to invest in one.

[@lmaomemes421]

I want a sip of 5000 permonth which mf is best

[@Nishiskitchenrecipe]

Thanks for sharing valuable information ℹ

[@adityadutt4744]

Panic selling, expense ratio being the primary reason to invest in a particular MF, absolute returns, sectoral investing. Although panic selling being the biggest mistake.

[@shubhammatolia5347]

just started investing in MFs. Low NAV ke chakkar me 10% investment kiya of the amount jo muje invest krna hai abhi😅.Baaki blunders to pta bhi nai the🤷. Ye bhi dekhna hota hai kya.😁 Thanks for the advice🤟😎Baki paisa dhyaan se lagayege ab.😌

[@ajitmedhekar2778]

Thank you for this information, Mandeep !! I have around 6-7 MF in my folio of different categories and sectors. All are giving good returns so far. But Mandeep your point is right to have minimal of MFs in folio which covers most of sectors. I have one question - Can we directly invest in the stocks in which MFs are investing ? So instead of having 4-5 MFs, I can have selected 10-15 stocks in my folio in which those MFs were investing.

[@shouryaprakash7767]

but you need to track them regularly as fund managers can change it anytime.

[@Jaibajrangbali1709]

Not a good idea brother Fund managers do many other things which we have no idea about.

[@mohithooda5769]

Super risky

[@Maverick4able]

Hi LLA Team Your videos are definitely very helpful, big fan and follower. I am beginner in stock investment, so I stick to mutual fund. I have one question, this is coming from a statement made by Michael Burry Index funds are good, they generate better returns as well. But if majority people invest in index only, even though they have that level value or not. Will there be any chances of bubble because of blindly investing in Index? What are your suggestions? Looking forward for video or any thoughts. Thanks, Nikhil

[@mohithooda5769]

Nah it won't. Most people do not invest in index funds, and even if they do, it's barely 5-10% of their portfolio. As the fund tracks the nifty index, chances of it bursting are very less.

[@subhamag04]

Hey, you had mentioned that you would be releasing a video on how to declutter mutual fund portfolio. Any plans on that?

[@rtej2005]

Earlier I had around 6 funds.. now I have just 3. Initially, I believed in lower NAV funds/ NFOs and lower expense ratio ones but I soon realized it is not the case as I experienced them first hand and the change in expense ratio intimation emails busted the myth.... Waiting for the next video... 😊🙂

[@shabaazs791]

Good morning sir. I plan to invest 1lakh in SBI multicap fund which has current NAV of 10.9 My reasoning is this: SBI has consistently performed well across all segments of MF (Small,Mid,Large,Flexi,ELSS) And the fund managers of this scheme have managed other SBI mutual funds successfully. So i am confident that the NAV of this scheme won't be around 10 or lower after 2years. I expect it to cross 20NAV in two years. Is my reasoning correct?