Mutual Fund SIPs will not work without luck!!

[@patelchintan3112]

You bust so many myths. Very straightforward and to the point video. I have learnt a lot from you and will keep learning. You are the one who made me look at the associated risk along with returns. Keep up the good work. 👍

[@anchitsingla97]

I'm so glad I found this channel. I'm surprised how no other youtuber or so called advisor is only looking at the average scenario and not at all considering the worst case scenario. I think this channel helps me prepare for the worst case scenario, while hoping for atleast the average case scenario.

[@sharadvenkataraman8211]

An eye-opener. Still trying to absorb everything. Leaves me with more questions than before. And it's not such a bad thing.

[@pattufreefincal]

Thank you

[@Vijay55234]

You are telling truth..i myself realised this few month back ,and you confirm it .......keep good work...keep educating people...all the best....expect some more good videos like this in future... Please try to make some videos on directly investing in stock market rather then mutual funds....

[@pattufreefincal]

I will, thank you

[@86mantu]

There is something called flexible or value sip.. Try better then fixed sip

[@pattufreefincal]

@@86mantu I have also shown that timed investments do not outperform normal SIPs

[@sanjaysurwade2262]

Sir, you are genius. You may not be popular but definitely you will be respected. Regards

[@swamivivekananda-cyclonicm8781]

You are Absolutely right about compounding effect in Mutual Fund and explained really well. People take concept with actuals. But i think Market crash must have lit up the minds where even 5 year Invesmtent became negative although recovered later on.

[@sayakgupta212]

As I have already said before, you deserve much more subs! Please keep making daily videos and keep the knowledge flowing. Looking forward to videos about direct stock market investing too.

[@ashitkvora]

I second you. You can help prof by sharing this link with your friends and family who are interested in Personal Finance - kzbin.info/door/f5H6aT6NzCQES8OJIhciTw

[@SubhasishSahoo78]

What do you suggest an investor should do? Should we take money out of SIPs few years before you need the money when the market is at a high?

[@mpjegan]

As always Great work sir, the message was clear and simple for a novice like me having 3 years of investing but its the mentality of Indians to make things complex...Just a 2 hr walk through of your blog and videos/ series on ones interest is enough for an individual to get a plan for long term and he/she can then go in detail of owns interest to get more knowledge and it did help me a lot. Unfortunately, people never account for how much work and effort has gone into each posts and videos for the sake of educating us. Hats off Sir. Long live and God bless.

[@thesrj240]

This was pretty mindblowing! I love how everything is backed with numbers.

[@malharingale5875]

i made my dad watch this. he was all about sip and how he was able to afford a 15 lakh SUV, he invested heavily and did sip between 2010-2014 and sold his mutual funds in nov2019 which was all-time high for the market. now he gets how luck played a part more than sip. mutual fund distributors just don't speak the truth.

[@amitarora5983]

Pattu Sir ; These are very valid Points, (Avg can't be calculated), we are mesmerized by Online presentations & living in hope against hope, of preset strategy, that SIP will do wonders but it has failed miserably

[@rounakhasan1507]

For me it's your best video among I have seen yet. Many of of friends are blindly doing sip in small cap with no plan and strategy. The sales guys has brainwashed them 😢 too good sir.. Atleast those people has some brain will learn from it.

[@shivkumarpatil1986]

you are doing great job sir...people are unaware of risk factores in mutual fund sips..They are hoping for luck

[@pattufreefincal]

thank you

[@dl9258]

நல்ல பதிவு பட்டு அவர்களே. சிப் பற்றி தெளிவான புரிதல் தருகிறது. மேலும் இது போன்ற பல தகவல்களை எதிர்பார்க்கிறேன். 😊

[@pattufreefincal]

Nadri Iyya. Tamilil ezhudhatharrku mannikavum

[@dl9258]

@@pattufreefincal ஐயா வேண்டாம். நான் சிறியவன். 🙏🙏

[@scorpian6013]

Thanks for Video. You confirmed my thought process to be correct.

[@dindon8550]

Well informative video sir.. only few people care about telling truth.. I guess you are one among👏👏

[@junoonbeatz]

Sales Guy: You should definitely invest in MFs in SIP mode to beat inflation... You'll get 12% CAGR at least...and ohh! Don't check your Portfolio for at least 10 years.. you should invest for long term... Do invest in one blue-chip, one mid-cap, one small-cap, one ELSS, one debt mf, one sectoral fund... That'll diversify your portfolio... Poor naive common man: it sounds logical... After 5 years of negative return... Poor guy: hey, my balance is negative... You said it'll give me at least 12% return... Sales guy: I told you not to look in portfolio for 10 years... These are temporary fluctuations... Market will boom after this bear run.. After 10 years Poor guy: hey, I'm still not getting any return... You've swindled me... I'll cash out before I suffer further loss... Sales guy doesn't even respond... Meets one office colleague... Colleague: what MFs did you invest in? Poor guy: X, Y and Z colleague: you made a terrible mistake... You should have gone for A,B and C... Poor guy starts over and repeats the same mistake...

[@duderocks6483]

Hahahaha, herd mentality!

[@pran10000]

Hilarious 😂

[@arun.k5427]

There are so many advices on how to exit from mutual funds when u r near your goal. Do not worry and be methodical about your investment. Buying fund manually every month is a good idea. But how can you figure out the day that the prices are lowest on that month. Take emotion out of investing. Keep calm and reap reward

[@Aryan-pi6ek]

Yes Its very much true, e.g HDFC mid cap most renowned mutual fund, check for last 3 years and Nav average is around 52 thats as of today

[@amansingh18]

Thanks sir for the video... Keep doing great work. Truth shall prevail. :)

[@teebone25]

All good information, everything makes sense, no doubt. But in the end the video only leaves one more confused than before he watched the video. Not a troll or a hater, infact I've been amazed at the amount of depth and detail you bring into your videos..but as content consumers or viewers one only hopes for more clarity but this doesn't do that. I'm saying this as a viewer who's subscribed to you and likes most of your videos.

[@pattufreefincal]

The solution is simple: Use conservative return estimates, have proper asset allocation and risk management in place and always keep an eye on the target corpus. I have said this 100s of time before probably in this video too!

[@teebone25]

@@pattufreefincal makes sense...I'm fairly new to the channel so im just realising how many times you've mentioned this! Also, thank you for taking the feedback positively! :)

[@kirankumar14690]

That's sounds right; Would be easy if we have an example with a single investor's data along with sensex data

[@pattufreefincal]

See my own in the previous video!!

[@nileshkaleshwar7329]

Yes even I'm also releasing this after long time investing in SIP

[@anveshchecka3070]

More power to u Pattu ji! 👍

[@Seenivasan1992]

Thank you sir... For saving my valuable money ...

[@TTtintumon]

Good job.... Thanks for sharing it.

[@cv8255]

Eye opener video Pattu sir .Keep it up.

[@rajeshpg99]

Another eye opener..

[@omkumartolani2029]

Pattu Sir: If your SIP ends when the market is low and you end up not making any money, rather you lose 10-20% from your total investment, what are the options? Do you extend the period of SIPs and wait till the market goes up and then withdraw or can you keep the invested amount still in the fund and withdraw when the NAV goes up.

[@MrSainath48]

We can relate stock market growth to Gdp growth. I can say for the last 25 years there is no negative growth.. please calculate sip return with nifty or sensex with last 25 years chart.. where the real growth started..

[@pattufreefincal]

wow! So simple no? No risk at all then let us plot a handful of data points and assume this

[@kartz24]

Sorry to say this sir, I don’t know what’s your aim with this series of videos.... education is important but it should motivate someone to get confidence and invest more and create wealth. But I am afraid your videos may do the other way. 👍🏼 good luck with your journey in youtube.

[@pattufreefincal]

Good luck to you too kid

[@subhadeep043]

He is telling d truth. Never do mutual fund.

[@kartz24]

freefincal - Prudent DIY Investing please read the above comment. Looks like your message delivered correctly !

[@sayakgupta212]

@Subhadeep : Please don't get him wrong. All that Pattu is saying is, don't just depend on time and luck to make your equity investment work. He is trying to make us understand that we need to recognize the risk, and try to minimize drawdown by tactical asset allocation. That way we can have a good night sleep and reach our goals. Just to make us aware of this he is trying to bust the myths created by AMCs/Agents about SIP. If you don't want to get into such complications, try to get a good dynamic asset allocator fund, that way tactical allocation will be taken care by fundmanager.

[@sayakgupta212]

Depends on the bachha, does he really want to learn or not? :)

[@Namrata_Arora]

I want to invest in mirae asset hybrid fund, uti nifty 50 and uti nifty next 50 for my retirement which is 30 years away... Could you suggest in what ratio I should invest in these? Thank you

[@mukesh_kumar-]

SIMPLY SUPER SIR

[@venkatkrishnakumar9927]

Thank you Sir

[@surekhashetty4517]

Keep educating....superb knowledge

[@pattufreefincal]

thank you

[@padmakumarpatil3429]

Is it Ok to invest via small lumpsum investment into mutual fund and large lumpsump investment in index fund?

[@deekae8814]

Every mutual fund / stocks will not work without luck right? They why are you always insisting SIP alone?

[@padmakumarpatil3429]

I also dont like SIP BUT PEOPLE STILL BELIEVE IT?PLS SUGGEST ME ABT ALTERNATE METHOD OF INVESTING?

[@kunjnaik5975]

Then what to do to invest in mutual fund explain with all scenario please make video on this

[@pattufreefincal]

See kzbin.info/www/bejne/mmLdiZmNrJyYpbs

[@tarunfirestoned]

So how do you suggest about investing money?

[@pattufreefincal]

You can invest via SIP as long as you know how to manage risks

[@sharemarketingbull116]

Nice sir thanks

[@capitalbeast3251]

Then what is the best investment tool?

[@pattufreefincal]

Did I say do not invest in mfs?

[@capitalbeast3251]

that’s why i am asking you....what is the best investment tool?

[@mohanishnalawade4300]

Stock market is a daylight robbery... secondary mkt is platform of betting nd speculation... fundamentals are always initially overshadowed by speculation...and as its mixed sentiments it is still difficult to quantify... its the volatility which provides oppourtunity for returns... linear trend is practically impossible...

[@kirankumar14690]

Also give us an information how much mutual fund charges an investor; entry load , exit load, tax etc

[@simransidhu617]

I am getting 17 percent return last 6 years

[@kapilgoelcoaching]

Need help Pattu sir. After downloaded and executed the exe, and after accepting the license terms, dialogue box comes and throws an error - can't open "Freefincal-Robo-advisory-template-final-June-20-2018-EXE-Version.xlsm" - error description "unknown". I am using MS excel 2013 version, enabled all macros already. Please help.

[@venkateshna3011]

Superb video

[@pattufreefincal]

Thank you

[@shobhitgarg5707]

Nyc video

[@marshgray]

Sir, what about sip in debt funds?

[@SrikanthMatrubai]

Sorry SIP continues to remain the best tool to 1. Accumulate savings 2. Put savings to work 3. Beat inflation over long periods of time 4. Professionally managed schemes, no headache of stock selection 5. Tax efficient wealth creation

[@dhirajsanil]

Invest in debt funds

[@prithvisharma824]

Sir only one thing mital fund is right or wrong and is it is right than how to creat welth on it rply me

[@sabyasachirimpa]

Negative minds never create wealth, be positive thinker to be wealthy from the market.

[@srinivasanr4491]

Being blind about the risks is negative too

[@pran10000]

Tell that to the guy who got 0 returns after religiously doing SIP for 15 years...

[@sabyasachirimpa]

@@pran10000 Not a single person I know got 0 returns over the 15 years. You may be following a fake religion that's why you achieve ZERO.

[@pran10000]

@@sabyasachirimpa look at the data man... Just because you don't know him it doesn't mean he doesn't exist! Even if someone got 5% he's going to be pretty dejected, imagine his plight if he based important goals an imaginary return of 15%. I too am optimistic and invest in the markets and so does Pattu but it never hurts to know the worse outcome, does it? Unfortunately nobody tells you that, they only say 12- 15% CAGR is guaranteed over long term which is bullshit. All they want to sell is their SIPs..

[@sabyasachirimpa]

@@pran10000 In investing you should not leave everything for granted, yes you need brain to get 15% return, stock market may not give you 15% return you have to acquire it through your intelligence.

[@DeepakkumarPrasad]

If not SIP in mutual funds , what else you think can work. Everywhere all we can do is read past history , how do we predict future and be sure that so n so fund will do good in future.?

[@pattufreefincal]

Did I say do not invest in sips? I invest each month in funds and 60% of my networth in ins equity funds. I am only saying understand risks and invest! Why is that so hard to understand!!

[@HarunRashid-fo3jx]

I am a common man and not a sales person. I criticized you in previous videos for your misleading explanations.

[@viveklee7]

sir, could you give solutions in your upcoming videos?

[@pattufreefincal]

Have I not done this in the last slide with the links in the video

[@viveklee7]

freefincal - Prudent DIY Investing thank you sir. I have found two links in the description. i am very new to the mutual fund. I have started two sips with 1000 rs each. I am expecting more financial solutions videos for lower middleclass people from yourside. Thanks sir.

[@kapilgoelcoaching]

Below is the error for using robo advisory exe tool

[@dharamveersingh7627]

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