Kya Mutual Funds sahi hai ? I WeekendInvesting Daily Byte 28 Aug 2024

[@BisFino-hb2df]

My father doesn't want to invest in smallcase because of repair order and taxation. He invests in mutual fund and never redeem. Now he shouts at me because of not listening to him as his funds have beaten my smallcases in last 3 years. He has Nippon and hdfc mutual funds.

[@AlokJain]

ok.

[@15BZD]

Hi. Everything will rise in this bull run. It's when market becomes choppy, monthly/quarterly rebalancing smallcase will outpace passive mutual funds which have nearly 70 stocks. Remember, it's a marathon, not sprint. Dad will be proud then.

[@srnk3416]

If a small case says rebalancing monthly, it doesn't mean all the stocks in it will be sold every month & new stocks will be bought. If something needs to be sold, it will be. If something needs to be added, it will be. Remaining will stay as-is. This is my understanding. @AlokJain ji can you please confirm?

[@vikyp989]

Your dad is right at present. The day Your investments outperform Your dad's investments he himself let you take the lead in investing. So swallow Your pride n ego and work on outperforming Your benchmark(dad's investments) and he will gladly come on board.

[@kalpadesai0606]

DII & FII buying trends is a gud addition..

[@koustavpoddar]

Smallcase makes sense only if you have large capital to deploy. Unlike mutual funds, where the expense ratio is decided by the fund house, in smallcase you have to manage the expense ratio yourself. So example say for a smallcase subscription costs Rs 5000 annually, then in order to maintain an expense ratio of 2% you have to invest Rs 2,50,000/- and if 1% then Rs 5,00,000/-. So for investors with less capital it makes more sense to invest in mutual funds. Everyone does not need to chase returns always, as the ultimate idea is to create wealth for a specific goal or purpose by investing amount of money within your means.

[@AlokJain]

Sure

[@Khadersheriff]

Certain funds there are charging ₹30k per year.

[@hiteshparmar935]

1. Retail public dont have the time and expertise to invest directly in stock 2. Comparing only 3 year return is not an objective analysis specially when its rising market 3. Underperformance by just 1-2% will not really make much of difference here

[@moongilthottam359]

Mutual funds: - Very low maintenance - invest and idle - Save on STCG on stock churns - Low initial cost compared to small cases - Reap benefits of 1.25L tax harvesting yearly in LTCG - returns reflect after TER Small case: - In full control what we buy - modify case based on risk appetite. - Safe custody of stocks compared to MF - Need not pay for subscription fees forever

[@15BZD]

TER means?

[@koustavpoddar]

@@15BZDTotal Expense Ratio!

[@modifan3144]

Subscription fee is there for small cases. Plus every time, rebalancing is done, broker charges some fee.

[@moongilthottam359]

​@@15BZDExpense Ratio

[@moongilthottam359]

​@@modifan3144I mean stay after wealth generated, you could still continue to be invested in the market but need not worry about rebalancing the portfolio..

[@nasrudeenh5542]

The 3-year CAGR of Nifty Midcap 150 TRI is at 28.84% while the category average returns of midcap funds stand at 27.02%. Note that the index returns do not account for any fees - nobody can invest in stocks/ETF without incurring transaction fees. Even if one chooses to invest in the index itself, he/she cannot beat the index because of the fees involved. As long as one makes twice as much as bank FD returns post taxes, one should be happy.

[@BisFino-hb2df]

Yes well said . In mutual fund we are free in mind , nothing to think , nothing to do.😅 Just invest and wait 😁

[@AlokJain]

there are many funds and strategies that beat benchmark

[@johnja5002]

63℅ of mutual funds didn't beat the market doesn't mean that 63% of investers didn't beat the benchmark. Maybe 70 or 80 percent people might be invested in the other 37% of the mutual funds.

[@tkdevlop]

In us 80% don't beat the market

[@jitendraperiwal148]

You have provided a good angle to analyse data. The more objective way to analyse is to add the AUM of a particular category of funds,say for example small cap , who have outperformed and divide it by the total AUM of that category. Only then you will be able to figure out the exact percentage of out performance or underperformance.

[@shubhodas2508]

I have 50% of my monthly SIPs in index mutual funds (Nifty, nifty JR, Nifty midcap 150 and Nasdaq 100) to buy and forget. With this minimal approach, I have no desire to beat the index.I love the zero touch approach here, and only even look at my portfolio once in 3 months. I invest the remaining 50% in Smallcases. And TBH, it's also hit or miss. Some have delivered great returns consistently. But, not all Smallcases are beating the index as well. Plus the additional effort it takes to do rebalances, SIPs adds up. Not to forger the 20% STCG that high churn portfolios attract now.

[@AlokJain]

in index mf you cannot beat the index. you are the index.

[@firebalxl5]

And you have smartly side stepped the other part of his comment

[@jaipalreddivari7206]

@@AlokJain Ha ha :)

[@enigmaviki]

Good that daily summary and heat map is back ! Watch your video after reaching home from work everyday. So, movers n shakers summary is a great feature

[@AlokJain]

Perfect!

[@perumaljanakiraman9126]

Different perspective on MF investing, Probably need to rethink on MF investing, Thank You Sir for the great work you & your team is doing for the Investors community...

[@dv3658]

My view- sip enables savings, a bit of discipline & investing in equity asset. Agreed benchmark under performance yet returns better than other assets, like babk, ulip etc. If not in mf, not other available asset to invest which is v pocket friendly.. like even ₹500 sip.

[@hemendrakaushik5269]

He takes biodata of all pilots before booking flight

[@AlokJain]

lol

[@muralitvtv4105]

Instead of seeing the recycled news in the TV it is very useful to see your content. It makes us to think whether we are going in the right direction or not. Thanks for the great stuff you are delivering on a daily basis. Appreciate.

[@AlokJain]

Tks

[@ambarishtoshniwal]

Interesting data, please make a video on comparison of performance between MF, Smallcase, PMS for this time period - 1 October 2021 to 1 October 2023. It was choppy market, with downtrend for few months and finally closed at same point. So indices has almost zero returns in this period. This is the litmus test for fund managers, who outperformed ? Who underperformed ? Regards Dr Ambarish

[@AlokJain]

There are thousands of mf smallcase and pms. We cannot possibly do it.

[@abhinavrustag]

How many smallcases have beaten their respective benchmarks. How many smallcases have exited the platform. Can the smallcase platform come out with this data . At least the MF industry is transparent in their disclosures.. not taking sides but comparison should be fair for both ways of investment

[@AlokJain]

most

[@abhinavrustag]

@@AlokJain only data points from smallcase platform would make me believe in this statement.

[@skchettry]

Alok Ji, I am a long term mutual fund investor and with equity and debt funds in my portfolio my XIRR is about 16%. Have tried smallcases; the frequent rebalances, order filling issues, the costs involved are some serious issues that i didn't like. Moreover with a big portfolio, i find it difficult to handle direct stocks, a do-nothing strategy suits me better. Yes i do have some direct stocks ehere i invest with certain studies with clear entry snd exit plans. So yes for me Mutual Funds Sahi Hai. For tackling underperformance there's a separate index fund investing for me as well.

[@AlokJain]

Sure

[@a.s.psastry7710]

Thanks for the data. Wish to be proactive in the stock market.

[@AlokJain]

Best of luck!

[@dv3658]

Also 1 does invest a part of disposable income, so holding on to it to create a corpus which also appreciates is ok, even a bit lower than benchmark. Sometimes somethings better ignored if larger outcome is ok.

[@AlokJain]

Ya

[@biplabkusahoo5636]

please provide same data for smallcase also how many of them underperform

[@abhishekdasdsp]

agreed 💯

[@chandrashekharphadnis293]

Agree. No data on smallcases.

[@MohitSharma-or9wi]

He won't as he is the brand ambassador of Smallcase

[@AlokJain]

I presented publicly available data. Get me data on that will happily present. load mat lo.

[@sumitgoyal0001]

Sir I m big fan of you ❤❤❤​@@AlokJain

[@abdulgaffoor178]

Sir , Today's episode on mutual fund was " bahoot sahi tha " . Please do remember the mutual fund audiences on your channel, who waits patiently every day to get " authentic insights " on mutual funds. Please continue more oftenly. THANK YOU.

[@15BZD]

same here

[@mahadevaniyer2726]

Hi, this point, about knowing your fund manager and his style is crucial! Especially, if you're there for the long haul! I started my investing journey with four mutual funds (of course direct plans, इतना तो ज्ञान होना ही चाहिए!) Out of those four, I'm still with 3 of them and over the past 15 years, they have delivered cagr in the high teens, slightly beyond what I have been able to achieve in my folio, it's ok! We'll learn! I won't name them but there are only 4 funds which have given a cagr of 18-20 % over the past 10 years! Also, we should ascertain whether the fund managers style matches our personal outlook! If this alone people are able to do instead of chasing recent winners, they'll do well with MFs & smallcases! The latter was not there back then! Now, an old dog finds it difficult to learn new tricks! Besides, as long as one's requirement is satisfied, why take ' Panga' 😅

[@aaronalphonso9229]

It would be more interesting on a mathematical standpoint to see if mutual funds are beating the benchmark when weighted by AUM. This would be the indicator to people if they should buy mutual funds.

[@anoopverma9226]

Luckily the scheme I am invested in, are beating the benchmark

[@gautamrathod9090]

Thank you for sharing

[@AlokJain]

You bet!

[@9092295555]

Mutual funds have to beat index only but small case have to beat index along with nirmalasitaraman(STCG) and SEBI(Rules and Requlations and Churn costs ) .

[@AlokJain]

And they do!

[@9092295555]

​@@AlokJain only question is how long and how far .....

[@makc3887]

😂

[@Ritesh91188]

Being both smallcase and mf investor Here are the 2 points: 1. SIP investments in smallcases may not accurately reflect the intended weightage of stocks if the SIP amount is less than the minimum required amount. 2. Frequent transactions in smallcases can result in significant costs, which have increased further after the recent budget changes.

[@AlokJain]

better to invest more smallcases costs are marginally higher so if performance is near MF then no point, else no issue

[@narendersachdev8220]

Great content yet again! Hats off to your regular data backed videos. If 63% funds underperformed benchmarks. Does it not make stronger case in favour of index funds? Cost effective and you will perform better than 63% of funds that underperform? Will be curious to know your view on this Alok sir!

[@AlokJain]

Yes. But why not beat the index too!!

[@NIFTY_BEE]

Your videos are so helpful. Thank you so much. If you can share your thoughts on momentum funds, it will be great help

[@AlokJain]

Will do!

[@Mahindrank-w6k]

I dont see any underperformed index funds in the list as several have performed really well for the past 10 - 15 years. Nifty 50, Midcap, smallcap, Nifty next 50, Midcap 150, smallcap 250, LargeMidcap 250 Index Fund and Nifty 500 Value 50 Index. Mutual funds are for long term investments and should not be calculated for short terms.

[@AlokJain]

Index funds by design cannot underperform

[@BisFino-hb2df]

Factor based etfs kya mf se better hai for long term?? Past 2 years those ETFs even have beaten mid and small cap funds also. I am saying about alpha 30 and 50 , momentum 30 and 50

[@AlokJain]

possible

[@ashutoshdongare5370]

Absolute Truth, I did realize this very early in my investment Journey hence got out of most of my MFs.. 1) MFs have to invest SIP money into the market irrespective of market conditions 2) MFs are over diversified due to which the gains are averaged out 3) MFs are slower to buy and sell due to the size of AUM, they have higher impact and slippage costs not ideal to stop losses or grab new opportunities 4) You must pay Expense ratio on your total investment, for smaller investments, this is ideal but for higher amounts this becomes expensive in absolute amount terms.

[@AlokJain]

ya

[@AmalRanjan]

One major risk that people mostly don't consider about mutual funds is that the mutual fund company may not honour the investors' redemption request. This is usually ignored because the chances of this happening are miniscule, however, they are not zero. A very good example of this was Franklin Templeton's sudden closure of their debt funds in 2020. I was lucky that I had withdrawn almost of my units (worth 2.7 lakh rupees) just 3 days before the news came. Only 10000 rupees were stuck because it was a fresh m SIP installment which I forgot to pause. 😅

[@AlokJain]

Kaun samjhaye mausi ko 😀

[@wagvin1]

Mr. Alok, I am regular viewer and also investor in weekend investment. Question- on today's topic about mutual fund, how about , we don't loose 15-20 of profit every year in taxes in mutual fund, is that not incentive for mutual fund investing? And always try to stay on performing mutual fund by doing periodic reviews?

[@AlokJain]

The narrative that taxation gap is huge is a myth. It is minor. Will explain ina. Video soon

[@hardikpatel788]

IMO, smallcases does not publish the genuine NAV to track the performance. I feel fact sheet values seems manipulated. I didn't find any data to compare with MF whether smallcase has outperforms MF or not. Aprt from, there is good % slippage in order execution. STCG, demat charges & finally IT return charges also there. So it nutshell, even MF has small underperforms the smallcase, it would be acceptable for most of investors.

[@AlokJain]

Sure. That may be your opinion.

[@Rajjain_]

there are rule based momentum index, would love your thoughts on those.

[@AlokJain]

Its decent but in my view 6 mth rebalance is huge risj

[@DrCajetanTellis]

I’m a big fan of you and momentum investing. I wish you had brought up the issue of long term mutual fund investing. A person who invests for 30 years say, gives about one percent of his wealth to the management, which translates to 30 percent of his wealth. It doesn’t make sense. This should be highlighted to the common man , rather than telling everyone that mutual fund sahi hai. I expected you to bring up this point

[@AlokJain]

you also then know that average mf holder holds the mf for just one year. now rethink your logic sir :)

[@15BZD]

hi Doc, indirect mutual funds, if say, charge 1% Expense Ratio, then it is levied only on the amount you invest and not every year. Wealth managers may charge % of AUM every year.

[@PranavKumar-m8k]

@@AlokJain I have been holding from last 15 years and its value is 5x of invested amount but I agree that smallcase or direct equity would have resulted in better return if the scripts are good

[@raghuramk9987]

​@@15BZDThe 1% Expense Ratio (taking the example ratio mentioned by you) is deducted every trading day before declaring the NAV. If there are 230 trading days, daily deduction is (1/230)% as long as your money is there in the scheme and not just the year in which you have invested.

[@pramodmahapatra7066]

Valuable presentation . 👍Need some insight on pms sir, Which class should invest in it? 🙏

[@AlokJain]

Money bags

[@varadigovinda111rajulu7]

Good evening sir Thank u very much sir

[@MeetauJoshi-q8f]

Do small cases and PMS have benchmark? The simple answer is ‘No’. Had there been … 80% PMS and small cases would have underperformed! Your hypothesis of all MF investors are equally distributed across all AMCs is absolutely wrong. AUM of 37% schemes performing better than the benchmark is much higher than the non performing 63%. The data transparency of Mutual Funds (thanks to SEBI) keeps investors aware which schemes to invest. This is not the case with small cases or PMS… their published data do not have any comparison. And comparing a small case apple to apple with another small case or mutual fund is really tough. The mutual funds based on Nifty200Momemtum30 index and Nifty500Value50 index are performing better than not only Weekend investing small cases but also many other popular small cases

[@AlokJain]

LoL

[@LegoNinjagoIN]

I feel with 20% STCG smallcases are at a tax disadvantage and this would impact the XIRR when compared with good mutual funds like PPFAS etc. Better to stick to MF in this scenario.

[@religionofpeace782]

PPFAS is good mutual fund?😂 Last 3 years it's just sleepwalking...no future no vision from the fund managers. When asked why they are underperforming they say "we are happy to underperform". Now what would you say to such people who are happy underperforming for years!

[@LegoNinjagoIN]

@@religionofpeace782 Check last 10y performance, in frothy markets they are maintaining high cash position, which I appreciate

[@AlokJain]

makes a diff of 1.5% on a 15% return. If alternate gives you 17% you are still better off. If you get 25% you have hit a six.

[@biswanathdutta4219]

Have you analyzed multifactor index funds like alpha50 and alpha low val 30 etc?

[@AlokJain]

No

[@rageshrcn]

If the full time Fund Managers can't beat the market how the hell retail normal investors who has other occupation can beat..Only index investing sahi hai

[@AlokJain]

index is a middle ground

[@rageshrcn]

@@AlokJain No one can assure beating the market ..But Index can assure to be par with the market

[@swordfishbigb01]

Also would loved to know how is the amount that weekend investing charge for the small cases compare with the expense ratio charged by mutual funds. Just a simply comparision to understand it better.

[@AlokJain]

We advise to keep aum so that charges are less than 1 pct

[@Kirmbadi1934]

Thank you

[@AlokJain]

Welcome!

[@Huhmungus]

Hdfc flexicap fund, been investing since 2015 best performer. The flop show was franklin us opportunities fof for me.

[@william-karra]

Thank You Sir, for the inputs on Mutual Funds. Did not know about the underperformance factor. Will remember this to consider when to exit.😊

[@AlokJain]

Glad it was helpful!

[@Swaritarora]

Would be worth looking what is AUM of the underperforming mutual funds vs AUM of mutual funds beating the benchmarks

[@AlokJain]

Yes will study

[@rajivgusain5725]

Hello sir can you create one video on smallcases. Also if you can talk about windmill capital, which has some of the major smallcases in it. Does it make sense to invest in them.

[@AlokJain]

why not. do invest if you like any smallcase

[@rakeshovr1]

Coukd you create a similar analysis taking a basket of small case just like you did fot MF for an apple to apple comparison. Fund houses like Quqnt JM Nippon have given excellent results in the last 3 years across different categories

[@AlokJain]

All results are at weekendinvesting.smallcase.com

[@shabbarak]

Sir agreed that many MF did not beat the benchmark, but it certainly beat the bank FD. For common people who don't understand the stock market MF's are the best investment opportunity I feel

[@AlokJain]

As I said as long as beating inflation still goid

[@thomseys]

Please make a video on F.I.R.E.....everywhere i see video on this.

[@shubhamsachan6419]

sir it was better if you show above MF performance data for atleast last 10 years.

[@AlokJain]

ok

[@ashishsahu3232]

Ye sab data laate kaha se ho sir.really great

[@AjayKumarSharma-ic4un]

Super intelligent presentation as always

[@AlokJain]

So nice of you

[@tirthendubagchi2154]

Doesn't matter u choose Direct or Regular MF or Smallcase . The question is can you use the Power of Compounding to ur advantage. The factor that creates wealth is P and T. R is 12 or 13% does not matter . Invest P and T😂.

[@AlokJain]

It matters over 20 30 yrs

[@AnuragBhatnagarabby]

Hi Alok can you please do a analysis on the taxation impact between smallcase and mutual funds?

[@AlokJain]

Sure

[@mohendraborah1452]

Sir you said most of the MF underperform the index. Well why not ETF investing where the cost is least and they closely follow the index if not beat them but never underperform the index. Pl make a video that ETF investing for small investors with money upto 20 to 50 lakhs.

[@Beatindex20]

Investing in mf sips since 2010 , 5 k to 180k at present. 3 Schemes to 9 schemes right now. Consistently preforming 23 percent Xirr.

[@AlokJain]

Good for you. You r in the 36 pct camp

[@Beatindex20]

Will continue to stay invested for another 6 years with same Sip allocation. .i vl be in top top 10 pct. (:"""Will compound the compounded "")²

[@anshulbhushan]

in order to be transparent, please compare your strategies with the mutual fund momentum funds (nifty 200 mom 30, midcap mom 50, smallcap mom funds by mirae, etc). Additionally, please show your returns post expenses - smallcase now does a good job giving that calculator. You will find that your strategies will also not be able to beat benchmarks all the time. Would be good to compare consistency year on year.

[@AlokJain]

All our results are out in open in case u have not seen. Calculate and if they are not good absolutely no need to subscribe. No gun to head!

[@romeshkirpalani848]

Dear Sir - That was to the point! Do Mutual Funds published their annual report? Where to find them? Thanks

[@AlokJain]

Their website and AMFI

[@thomseys]

Hi Alokji, as always fantastic videos. I have one question. If capital base increases, momentum investment has limit of 2-25 Lakhs, But mutual fund can absorb large capital. Your comment please.

[@AlokJain]

Move to HNI i strategy

[@TheRightOctave]

Please start a smallcase comprising of probable Turnaround companies.

[@AlokJain]

Not my style of investing

[@ravindarsingh3002]

People are very much attracted towards mutual funds due to which banks are struggling for deposits. Now banks have to run a campaign "Bank Deposits Sahi Hai"😂😂

[@alokasharma3170]

Also wouldn't each individual return be different in the same MF if he does a lumpsum on a dip and the other just does SIP, so the lumpsum investor would have out-performed the index.

[@AlokJain]

performance is measure of fund basis point to point. user will have diff basis their allocation.

[@AlokJain]

peter lynch ran magellan fund for 13 yrs at 28% CAGR Average mf investor in it did not make money.

[@nagreddyposhetty1133]

Good evening sir, kindly have a look on ETF as long-term investment

[@AlokJain]

it is a good passive one to beat inflation

[@bhupeshjuneja9540]

Very often a personal judgement is seen to have been applied in the stock selection. In a bull market some of the wrong decisions also might not hurt. The real test is a normal market in which some funds give periods of negative returns.

[@kushalbaindur8006]

Opportunity cost is one more important factor that impacts in the overall returns as compared to smallcase + liquidity

[@AlokJain]

yes

[@soyalsayyad1079]

Now days strategy based index have also come.. Like momentum 50 150 midcap.. Investment more than 1lakh/year Should be in smallcases.

[@AlokJain]

More than 2 lac

[@drsuraksha]

Retail 93% underperform to benchmark.majority can not fragment large cap,mid cap and small cap in their portfolio.

[@AlokJain]

k

[@anillimaye7555]

Kindly share data on MultiAsset MFs.

[@AlokJain]

sorry i dont have

[@user-zm8kd3eq8y]

Return is overrated Staying fully invested for long term is underrated

[@AlokJain]

Ya

[@aashishkhanna6489]

We get a return on mutual fund investment via appreciation of the unit value of that fund. Now cosider fund NAV moved from 50 to 150 in 3 years. And then 150 to 300 in next 3 years. Should we call that decline in fund performance?

[@AlokJain]

nope you are lucky. many arent

[@sunilwagh7098]

How about Index Funds Direct plan...if they are at par, it's still good to go with them

[@religionofpeace782]

Small cap index didn't move a bit from 2008 to 2017. Will you be able to hold for 9 years of zero returns?

[@AlokJain]

yes you will get index returns. not bad.

[@drsuraksha]

Underperformed compare to which benchmark?

[@AlokJain]

respective

[@aloksingh5926]

You should include the figure by how much index fund beats Mutual fund

[@AlokJain]

data was from ET

[@softiceable]

I have heard/read several times that MFs have tax benefits over smallcase but haven't found any details as to how? Can anyone plz share some references that I can go through?

[@AlokJain]

Pls see ABV. Will cover soon

[@softiceable]

@@AlokJain sorry what is ABV? A quick Google search for ABV threw up Alcohol by volume. I hope you aren't talking about that.

[@iq14zero]

People are going crazy about mutual funds and so are the influencers. At this pace, 1 out of every 3 KZbin video will be on mutual funds.

[@shankarlal-fo3tz]

🙏🙏

[@dr.satishnaik1699]

My returns are more than 25 per cent I M.F. Iam not an expert. So apprehensive about direct stock market

[@AlokJain]

grt

[@krnsrth]

I feel mutual fund underperformance data is wrong some how...

[@religionofpeace782]

Yes..I think its 95% of funds underperforming not just 60-80%.

[@AlokJain]

we went with ET data

[@money.8788]

Sir what about yours momentum small case

[@AlokJain]

Go see...!!

[@sandeepdhillo]

Better invest in smart beta/factor based ETF/Funds .....nothing can beat them in long term

[@AlokJain]

ya

[@RanjanKumar-oo5te]

Good evening,Please make a video on Mutual fund SWP.

[@AlokJain]

i have no experience. ask some friend who does that.

[@shankarsubramanian8767]

sir! 70 % of the investors also have no knowledge of the stock markets either - for them this is better than FD

[@AlokJain]

For sure

[@Topblogger7]

I am invested in quant funds and ppfcp. My fund managers are sandeep Tandon sir n team and ppfcp by Rajeev Thakkar sir n team.

[@AlokJain]

grt

[@Topblogger7]

@@AlokJain thanks 🙏❤️

[@paragmital]

What are your views on Small cases, what % of small cases beat their benchmarks

[@AlokJain]

Much higher pct. In our case more than 90 pct in last 3

[@basantchoubey5137]

I think whether its PMS or direct investing, majority of it (85℅ or more) underperform index.. In MF if someone is doing through any good organization, there is a good chance of getting around 15℅ CAGR for long term(10-15 yrs or more). Majoriry of people who do direct investing through stock or MF on their own(besides index fund) lose badly. So I think for long term, its much much better to invest through MF, index MF if doing alone otherwise do it through a credible compnay with good track record.

[@AlokJain]

yup better than losing. for sure

[@tirthendubagchi2154]

I know people who do direct MF to save expense ratio. They do their own research and get 20%✓ XIRR. I do regular MF , advised by my HDFC bank Wealth Advisor with whom I can talk anytime...My XIRR is 30%. So I think it's always better seek professional advice .

[@shrikantbapat9109]

Sir, very nice if a retail investor focus on the 37% performing funds and compare the returns with best pms available with very high fees and also capital gains to be paid for every portfolio balancing Then sir doesn't it make sense to be in those 37 % funds.. Eagerly waiting for a response Please correct me if I'm wrong Thanks

[@AlokJain]

no guranteees

[@shrikantbapat9109]

Sir, then the other way round should also be true i.e Even pms don't guarantee any performance, inspite of highly concentrated portfolio with high conviction bets Please suggest whether I am correct

[@udayjoshi3508]

I think for anyone beginning to do SIPs in MF, Nifty 50 & Nifty next 50 should be the only investment portfolio. No Midcaps & Smallcaps even in index also.

[@AlokJain]

too safe for many

[@udayjoshi3508]

@@AlokJain It certainly looks like it. I am a 26yrs old, and I believe people entering their 20s have gone nuts.

[@srnk3416]

Can have small % portfolio in MC, but MC index return is close to SC, so SC is not worth the higher risk & volatility. Nifty 50 Equal Weight index is worth considering. Usually much higher returns than N50 (normal mkt cap weighted) but of course more volatile, but still gives more peace of mind with the kind of mega stocks in N50. Actually this EW version several times gives higher returns than Next50. So need to check whether the extra risk with Next50 is worth it, or just use N50-EW 😀

[@anoopbarman]

Alok Ji..I started watching ur video last 15 days....sorry to say...u r directing something else.....very diplomatic but indicating towards other direction...its my observation towards ur videos..may be i m wrong...but trying to proof that PMS services is much better than all

[@AlokJain]

tension mat lo sir. aapko mf pasand hai to lage rahiye !

[@anoopbarman]

@@AlokJain I m new in market...trying to learn...thanks to u to giving such kind of inputs...ek leher si chal padi hai in stock market...very few ppl giving such kind of explations..thanks for ur reply...🙏

[@vsmunda]

Money coming through MFs has held our market..... It's the blind faith of MF investors which has kept our market alive...

[@sarathchandrarepaka9595]

Sir not many good products in smallcase are available I explored many I can count on my fingers good and reliable smallcase ( weekend investing is one ) Also the downside and upside of smallcase is very high compared to MF

[@AlokJain]

ok

[@manoharap.s.pallavalli2694]

Study of limited funds and comapring there performance is not correct . May be take large nos

[@AlokJain]

Ok

[@neerajagarwal4235]

Liked

[@sagarKeUspaar]

If I be the devils advocate here, I think in case of some good MF houses where funds are managed by active fund managers , there is some value..MFs with high churn rate do not have to pay ltcg or stcg..if one has to do the transactions individually, one should be ready to pay taxes.

[@AlokJain]

Yes mf have tax advantages yet bcos they have bulk aum they cannot be as agile

[@sagarsurve6690]

Taxation isnt in favour of smallcase investing

[@AlokJain]

Tax is more no doubt but is the deal still good is the Q. . Pre tax Returns of 13 pct in mf and arnd 15 pct in smallcase is same. Many smallcases have given far more

[@sagarsurve6690]

@@AlokJain instead few smart beta mutual funds and index funds are better options ? Lowest on expense ratio too

[@sachinkhare1708]

Going by your own analogy, Am I literally supposed to know work profile of my Pilot, his biases, and flying pattern? May be yes only if I am a billionaire and hiring a charter plane. For general commercial flights and passengers brand name and its recent & mid term track record should be sufficient I guess. It was too much of stretch TBH.

[@AlokJain]

ok np

[@You-soul-ti6yc]

MFs or Index funds are better than Smallcase in most of the scenarios ...be it taxation, hassles and for risk adjusted return

[@You-soul-ti6yc]

You are considering data only for last 3 years ...please take atleast last 20 years performance

[@AlokJain]

Nope

[@raulasharma]

How many people care about all this ..people get 6 to 7 percent in FD. They dont care about bemchmrk returns ..jisko 6 percent mil raha tha uske liye 13 to 15 percent is more than enough 😅😅

[@AlokJain]

true

[@PrashantPatil-zo9yx]

I am not running MF nor MF manager but i must say this is hugely biased data interpretation and point of view! But i can understand it as yoi wont be spending your time and energy in creating all dis contents w/o it havinf explicit benifit towards increasing your AUM . So no complains!

[@AlokJain]

ok

[@krnsrth]

Do you know who is Pilot of plane??? Really😂😂😂

[@religionofpeace782]

I think that's what he is saying that most people don't bother to know and just chill believing that nayya paar laga dega,but sometimes nayya doob bhi jaata hai aur insaan upar se aur upar uth jaata hai.