STOP making these Mutual Fund Mistakes | 5 Must know Mutual Fund Investing Strategies

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Your first exposure to the stock market would probably have been via mutual funds.
But let me tell you a HIDDEN TRUTH about Mutual Funds:
You lose LAKHS when you decide to sell.
In this video, I talk about the Dark Reality of Mutual Funds. Watch it till the end to understand holistically :)
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Attributions:
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[@AkshatZayn]

👉 My Investment Summit in Mumbai (4-day power packed event!) [Currently at 20%+ discount for first 100 sign-ups]: rzp.io/l/AkshatMumAug24 ______________________________ 👉 Join India's biggest investor community (only at 159/month): kzbin.info/door/qW8jxh4tH1Z1sWPbkGWL4gjoin ______________________________ 👉 You can register for my upcoming events: linktr.ee/akshatshrivastava.world ______________________________ ►Check out this exclusive offer by Vested ($10 credited to every funded account who signs up using this link) : vestedfinance.co.in/Akshat COUPON CODE: AKVES100 [Please note that the creator of this content is the client of Vested and has been paid compensation by Vested for their endorsement] _______________________________________________________

[@anandumnair8049]

The new government policy is amazing! I hope all other you tubers follow the guidelines

[@kevinvjacob4715]

Hi Akhsat, why do you not advocate in nifty next 50 ! Can you provide details

[@believeinmiracles9383]

Plz give timestamps

[@naveenchaudhary4072]

@@anandumnair8049 study iq ankit sir viewers yaha bhi hain 😎😎

[@kishanmukund5878]

So as per Akshat don't invest with MF

[@LiamFetherstonhaugh]

I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.

[@RobertDennison411]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@_LauraRowley]

It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.

[@Nickolas_M_Greer]

@@_LauraRowley How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@_LauraRowley]

@@Nickolas_M_Greer Rebecca Charlotte Craig is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@JustinWitt07]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@ChristopherAbelman]

wasn't financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly basis via my investment and got 5 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 in the financial market is a grand choice I made. Great video! Thanks for sharing!

[@FinnBraylon]

I hope to own a home one day. not quite long I started investing. I'm very curious already and need help on how to enhance and increase my returns. Any good investment tips will be appreciated.

[@PennyBergeron-os4ch]

Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Strategists have been aiding folks in recording gains over 250k just in a matter of months, so I think there are alot of wealth transfer in this downtime if you have someone who knows where to look like i do.

[@HildaBennet]

Hello, how did you handle it? I believe I require a pro after reading these comments

[@PennyBergeron-os4ch]

SONYA LEE MITCHELL is the manager I use. Just research the name. You'd find necessary details to set up an appointment.

[@VictorBiggerstaff]

thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@NicholasBall130]

I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

[@EleanorBaker474]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money or you could hire a financial expert.

[@StacieBMui]

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and I return at least $30k ROI, and this does not include capital gain.

[@StocksWolf752]

How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings

[@StacieBMui]

The advisor that guides me is Sonya lee Mitchell, most likely the internet is where to find her basic info, just search her name. She's established.

[@crystalcassandra5597]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@lucagreco1787]

The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?.

[@ishananand8024]

@Javier Muñoz I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

[@lucaswilliams9992]

I just looked up the broker you suggested on Google and I'm incredibly impressed with her credentials, so thank you for sharing. I'm going to send her an email right away.

[@Lol-qy1dy]

​@@lucaswilliams9992fu

[@sanjoybaul3356]

Nonsense video

[@MrRaghavreddy]

I have seen numbers of videos on M. Funds. But this video was an eye opener. U have explained in depth about funds, commisuon how fund managers loot from us.

[@frugalmind7050]

Index funds been outperforming most portfolios and funds, but that depends on what sector grew the most in the that period you are looking at, fund managers exists for a reason. Passive investing Isa good mix to have to bring your cost down.

[@bittu91]

What about flexicap fund? A lot of good flexicaps from PPFAS, PGIM etc. have been giving consistently good returns. PPFAS, for example, invests in large US stocks as well.

[@Suresh-454]

Many funds justify their expenses ratio. If they create Evan 2% Alfa compared to index that is more than expense ratio.

[@capricornus993]

A 1% commission on sip of 7200 amounts to 25 Lacs after 25 years. Hope that puts it in perspective.

[@Suresh-454]

@@capricornus993 100% u are correct but in case of small cap funds they can esay create 2 to 5 oersantage Alfa compared to index. When we getting 2 to 5 persentage extract nothing wrong in giving 1% extra. My view is For Large caps index is better becouse many fund not creating Alfa But small cap, active mutual fund is always better even though high exoence ratio

[@nkspro1]

​@@capricornus993 Either you pay commission on MF or you incur trading expenses, but you cant avoid expenses.

[@anuragsharma4805]

I am aware about all those points you have highlighted. Thanks I have invested in total 5 funds -- 3 flexicap, 1 is bluechip and 1 is large mid cap fund. My target is annual cagr of 12% so that I can do swp of 10% (if more returns then add to investment corpus) All my funds are growth and direct investment

[@Derbyjana]

Brother could you please help go as nifty 50 plan or sip which one is better bro

[@anuragsharma4805]

If your time horizon is more than 10 years for SIP then go with small caps. Avoid SIP less than 5 years. Nifty companies are matured businesses and cagr is between 10 to 15% on 5yrs

[@AmigoFriend]

@@Derbyjana sip will be always advisable

[@traveleatlove7832]

Hi Akshat, This is definitely a wonderful video explaining some very key points and demerits of investing in MFs when nobody else has really come out and talked so brazenly about it. However with all due respect I feel you must also have acknowledged some bullet points around when and why MFs are a good choice of investment. You see, a lot of your viewers belong from salaried class and might not have huge capitals to rotate in stocks and be actively involved in doing so in order to make sizeable profits. And that too is a reality! And once they do save up and create a decent corpus, it’s all the more hard to risk it by making financial decisions yourself whilst knowing that you might not be the best at making these judgments. Now, for those who know and are confident, I am sure are doing it themselves - but for others making mistakes (which is inherently a way to learn and get better) in these investment decisions can lead to washed out savings - which can cause a lot more damage than doing any good. And most might not be able to deal with that. Then there are others those who can get seriously affected with ups and downs of markets, and end up losing sleep or get anxieties when markets are not performing good - now these are not tangible characteristics but can have a serious impact on one’s quality of life. So, although MFs might not be a great way to become super rich - 1. They can be a good source of building corpuses slowly with returns beating inflation and inculcate habits of disciplined investing. 2. They might give a person much more peace of mind during market fluctuations. 3. Hedges the risk of washing one’s capital through inadvertent mistakes through stock investment.

[@souravl8565]

I think MFs have a part in portfolio just like FD is emergency fund - once you have some security, you can play with extra money. At least you should not be worried about putting food on table tomorrow. I now want to learn more about direct stock as I have been investing in MFs. Once I learn I'll see how comfortable I am in moving some money from MFs to direct stock.

[@akshats338]

Feedback ☝️Appreciated. Wanting more info and insight? WatsApp the number above, Endeavour to reach out.

[@swapnilsrivastava7659]

And this is where the MFDs come. Everyone might be seeing that investing through a broker is losing them on profits but nobody acknowledges the fact that they are the one who can help you in making correct decisions. I have been investing through a broker. I might be giving 1% to them but I live in peace. Whenever I want to invest money or redeem it I just call him and it's done.

[@akshats338]

@@swapnilsrivastava7659 ᴛʜᴀɴᴋꜱ❤️Ŧᴏʀ ᴡᴀᴛᴄʜɪɴɢ📌 ꜱᴇɴᴅ ᴀ ᴍᴇꜱꜱᴀɢᴇ ᴏɴ ᴡʜᴀꜱᴀᴘᴘ…✙𝟏𝟐𝟎𝟏𝟐𝟕𝟓𝟏𝟐𝟒𝟕 !

[@umapathimuthu]

3:20 3:24

[@harshag1335]

Ur 20-30min financial awareness videos are better than bollywood films🤣😂 Kudos to ur efforts&time👍

[@shubham2489]

Bhai as always loads of info, bole to faad video. This was an eye opener but at the same time I would want to add that for passive investors who have other passions can't keep up with equity, not all can handle the equity anxiety. So for them mutual funds is the best option. Again keep making these videos, kudos to you 🎉🥳

[@sushilkumar3zz9b]

why dont you try 'my money universe' channel then? he shows all his stocks with analysis. you will get to learn and keep up with them

[@DebabrataPathak1]

😂😂 Lolz he is making most of his money through you guys . who has practically no knowledge.. wo kuch bhi bole tum log wah wah bolne aajate ho.. Paisa deke comments karte ho.. 😂😂

[@naveenkumarsharma2716]

Excellent presentation 👏👏👏👏, For common people… the simple investing in Direct Index Nifty 50 is better than complicated small or sectoral MFs .

[@prajaktag1145]

Thanks a ton for this video! As a complete beginner, it really did clear a lot of complex stuff for me and gave me the confidence to invest.

[@romilbhakuni2102]

I’ve been investing 40k per month through SIPs since 2017 and maintaining a 20%+ CAGR. I don’t know if I’m lucky but I didn’t have a lot of knowledge, I just looked at the past records and maybe changed some of the funds or the SIP amounts a couple of times based on their performance. Currently I’m quite happy with the returns.

[@pritamshah6699]

Can you share your mutual funds stock details ?

[@romilbhakuni2102]

@@pritamshah6699 Sure I have the following: Kotak Emerging Equity 23.57% XIRR SBI Magnum Midcap 24.75% XIRR ICICI Prudential Bluechip 17.66% XIRR HSBC Small Cap 27.94 XIRR Aditya Birla Sun Life Pure Value 18.25% XIRR I also have 2 tax relief funds just for the tax benefits: DSP Tax Saver 16.26% XIRR Aditya Birla Sun Life ELSS Tax Relief 8.04% XIRR I've recently added 3 more funds but its too early to tell how are they performing.

[@romilbhakuni2102]

Also, I think the fact that I kept investing through the pandemic and the recent market lows due to the Russia-Ukraine conflict has ultimately given me higher returns.

[@gjw1wj721]

MF's are good for long term returns (greater than 3 years). It is during recession and external incidents like election, Union budget and war, you might get huge returns. If you spend 1 hour time every day and monitor the market you can make more returns in MF compared to regular SIP. I invest on monthly basis on random days by chasing for the lowest NAV in every month for better returns. Always monitor MF to invest at low NAV and sell at high profit when the NAV goes high.

[@romilbhakuni2102]

@@gjw1wj721 Yes I think I have to start doing that eventually.

[@RakeshSharma-ji4rf]

There are few advantages of mutual funds. You should not forget these points. 1. You can buy and forget in good AMC which you can't do in individual shares. 2. If individual person do shuffling in portfolio then he need to pay capital gain taxes which is not there in mutual funds. We need to pay capital gain taxes only at the time of redemption. 3. They have access to management. 4. They have priority in exits and entry. I prefer both approach. Large cap buy and forget types shares, I buy myself like Nestle. Rest I prefer mutual funds like elss and small cap and international funds.

[@swapniljoshi8650]

Even this if u are an absolute noob ist better to give it to mutual fund than not ofc stock picking is the best way to go but if not mf sure

[@funmann1234]

Excellent observation, Mr Rakesh...the biggest advantage of MF is that the invester does not incur capital gains in churning.

[@greedygoblin9441]

This sounds great until u look at the percentage ur mutual fund manager takes

[@dmascare6486]

The same approach

[@gjw1wj721]

@@greedygoblin9441 Any day MF's are much safer and reliable than Stocks. Stocks have very high volatility compared to MF's. I invest only 15% in stocks and 40% in MF's. Always monitor MF to invest at low NAV and sell at high profit when the NAV goes high.

[@Nikhilesh55]

Hi Akshat, does it make sense to invest in Stocks directly and small portion in Index MF as well?

[@NitinPatil-dh2xl]

Hi akshat, this your video will create inherent resistance in rising share price of your favourite stock hdfc amc.

[@jaganvigneshkumar]

1) Do I know when to sell my mutual fund - NO. 2) How do find my mutual fund - Simple p/e checks. Risk o meter. Expected outcome projection shown in MF calculators 3) How much I pay my MF company or Moderator as fees? - I do not have exact value. One regular & one direct sip. Will check these points as improvements from my side. Kudos & credit to your video

[@user-xi7nq5fy6d]

Hi, did you find answer to those questions ? specially when to sell your MF. What else you learned in a year, i am new to MF

[@AkashRanjanBaral]

Thanks for this informative video. But I would like to add a few observations related to the mutual funds. 1. I have started my mutual fund with a bluechip fund from 2016 which has delivered a return of roughly 13-14%. Back then index funds were not that popular, nor any financial influencers would talk about it. I find the concept of index mutual funds getting popular recently although it is there since long. So I wonder if there may be something else in next 5-10 years of time and then these influencers will start discouraging the index funds. 2. Many people find it difficult to pick right stocks at the right time and it is a difficult task for the retail investors especially for the salaried class. Also we have to check the past return of a company to invest and no one can predict the future return of a company no matter how good it may be, so is the case for mutual funds.

[@LaLiga_SantanderOfficial]

ᴛʜᴀɴᴋs 👆ғᴏʀ ᴡᴀᴛᴄʜɪɴɢ☝️ ғᴏʀ ᴍᴇɴᴛᴏʀsʜɪᴘ, ɪɴғᴏʀᴍᴀᴛɪᴏɴ ᴀɴᴅ ɢᴜɪᴅᴀɴᴄᴇs ᴡʜᴀsᴀᴘ ᴍᴇ ᴅɪʀᴇᴄᴛ.🎉

[@unknown-cq4ee]

Bhai shrivastavat ka Kuch personal issue hai mutual fund se...... Jo disadvantage isne mf ka bataya hai wo problem stock me bhi ho sakti

[@user-cs9uv4qc7z]

Bhai healthy ratio rakh lo. 60:40 index versus actively managed. Check the fund manager profile If you believe your fund manager is rockstar keep some of your money in active fund. I do this and have portfolio cagr of 23%

[@mNivesh]

Bro, Invest through a distributor. His sole job is select right funds for you. 60:40 ratio is too subjective as it all depends on your age, job profile, marital status, goals tenure etc. Index funds are popular now but distributors were recommending back then also. A distributor will charge you an average on 0.80% of your funds. 800 rupees on your one lakh. that's like two starbuck trip in whole year, but the returns your distributor will help you generate will be atleast 5% higher because of active and professional management.

[@MrKguha]

@@mNivesh what is a distributer please?

[@Naruto23524]

You have guts sir. No one in the entire financial community has targeted a particular mutual fund because they are scared but opened their dark side. You risked yourself for us. Thankyou 🙏🏻❤️

[@sushilkumar3zz9b]

bro you havent seen 'my money universe' content then. see that

[@sandhyakalghatgi]

Being a government official, as they both husband and wife said, she, Ayushi chand is not allowed to speak on social media. How can she sit and discuss the budget and about economics and all ? They are telling a lie. Both husband wife were scammers. Please unsubscribe them.

[@jayeshkhatri3620]

Which mutual fund did he target???

[@steverichards7060]

Thanks for this enlightening video...will review the funds now

[@abhijitnaik1695]

I have been investing in SIP’s through a proper financial consultant for last 18 yrs and CAGR has always been in excess of 15% . Even during the crash of 2020 it went down to 5% ….. anyway you have your views and I have mine

[@LaLiga_SantanderOfficial]

ᴛʜᴀɴᴋs 👆ғᴏʀ ᴡᴀᴛᴄʜɪɴɢ☝️ ғᴏʀ ᴍᴇɴᴛᴏʀsʜɪᴘ, ɪɴғᴏʀᴍᴀᴛɪᴏɴ ᴀɴᴅ ɢᴜɪᴅᴀɴᴄᴇs ᴡʜᴀsᴀᴘ ᴍᴇ ᴅɪʀᴇᴄᴛ.🎉🎉 🎉

[@benjaminoommenthomas6757]

How can we find a financial consultant?

[@rohitg4615]

This was really very informative one. To be honest even I've made the mistake of investing huge amounts on MF by looking at the past results and it makes more sense about that won't be the scenario in the real world. The churning ratio concept was the eye opener. Thank you for making these informative videos as always...🙏

[@bansy569]

In which fund did you invest?

[@kitten_with_bad_breath]

Any gains?

[@balakrishnabhandare9926]

Hi, please do not influence retail investors by buying direct stocks so that they lose even their capital.In mutual funds at least they are getting 10% with peace if mind.

[@kishorekumar-re7tt]

Akshat, i understand that we shouldn't take past short term performance but Quant beats it's peer performance even on 3, 5 year periods

[@vineeth9295]

Quant is beating even in 10 year period.

[@indiautube4915]

Check the quant mf performance now after adani episode

[@viyarawat]

Omg this was eye opening thing. I never thought we are paying 15-20% as commissions on our profit. This is huge. Time to revisit my mutual funds portfolio

[@viyarawat]

Ye bot kahan kahan se aa jate h ..@KZbin kuch karo yar inka

[@nirmalraj4425]

Well said.

[@samking618]

Read my comment above before taking any major decision as the video is not based on facts and wrong on so many levels

[@abhaygarg12493]

Befkuf bana raha hai .88% expense ratio ko 2% se kyu calculate Kiya and exit load tab hota hai jab sirf very short term m exit kr jao. Usko calculation m kyu lena kaun paise invest karta hai fir 15 days

[@MyMoneyUniverse]

not really 100% true bro. but anyways if u r interested in stocks nd mutual funds then u can see my whole portfolio with analysis that i update every week. might help. good luck!

[@shubhampanwar5861]

Great information. I am in a phase of my life where i am spending more time on getting better at my skills to earn more so investing in MF instead of direct stocks. as you said in your videos " firstfocus on your active income area" and get better at it. Thanks for your videos Akshat, love learning from you🙏🏼

[@bansy569]

Yup you are doing fantastic, this video is BS

[@renusharma8240]

An eyeopner thanks

[@samking618]

I disagree on some points: 1. most of the mutual funds have less than 0.8% expense ratio and no sales load, so 1-2% is not true 2. The advertised CAGR is net of expense ratio, means if a mutual fund has returned 14% CAGR for a particular year, it has already deducted the expense ratio from it, and you will get complete 14% (except the taxes off course) 3 '78% MF do not beat index'; I think this statement is misused a lot of times, yes MF might not beat the index every particular year but a simple quick search on tickertape will show you a lot of actively managed funds which have beaten the index over a 10-year period with less than 0.9% expense ratio (some are even close to 0.5%). I found great funds with a 10 year CAGR of 17-20% in flexi cap and upto 24% in mid/small cap category by leading fund houses like Axis, HDFC etc which is great tbh and index fund cant even come close to this ( I know comparing index with flexi/mid/small is not fair but if you analyze closely you will see even large cap funds easily beat the index over 5-10 year period) All you need to choose is a reliable AMC with a proven track record of that particular fund. Yes, past performance is not guarantee of the future return, but it still is an important metric to look, after all why do we prefer equity over gold, bonds, FD? because it has performed well HISTORICALLY.

[@roji_va]

I believe this data is about US funds about 70pc active funds not beating the index. Came across this in a few books including one by Tony Robbins

[@arunsadanandabhat8518]

Tis is a good rebuttal to the video that Akshat made, was expecting a more detailed deep dive analysis into mutual funds however it was very short concise video. Quant mutual funds which was mentioned also has a expense ratio of 0.62%(direct plan) and compared to peers it seems okay. Also i couldnt fnd a single mutual fund in a direct plan with 2 % expense ratio. I also agree that it is reasonably easy to spot the winners in the large cap/blue chip category . And a lot of small cap funds beat the Nifty 250 small cap as suggested by akshat.

[@samking618]

@@roji_va yes it holds true in a saturated market like US, but in a growing economy like India, finding quality MFs which beat the index is not too difficult, just a simple search on tickertape would shortlist a handful list of quality funds from which you can select I found great funds with a 10 year CAGR of 17-20% in flexi cap and upto 24% in mid/small cap category which is great tbh and index fund cant even come close to this

[@suhagmaru]

If you see ..now all youtubers are targeting to sales their stock market courses . This is marketing where by they create fear and sell their product showing that you do and earn more . reality is different... think

[@androidsingh1049]

Everyone should read your comment, this video of Akshat is not well researched and content is at very high level and not accurate..

[@SiddharthaShering]

Hey Akshat! This video has been an eye opening moment for me personally. Have been following you for quite some time but this is my first time commenting. The last 30 seconds summarised the entire mutual fund industry in an extremely raw sense. Looking forward to making my set of mistakes in stock picking this year!

[@akshats338]

Feedback ☝️Appreciated. Wanting more info and insight? WatsApp the number above, Endeavour to reach out.

[@akshats338]

Feedback ☝️Appreciated. Wanting more info and insight? WatsApp the number above, Endeavour to reach out.

[@srikanthsocial2583]

Hi Akshat, thanks for sharing such a detail video. Can you also please guide us to few Smallcap 250 index MF/Index ETF and large-cap index MF or Index ETF's.I am unable to find exact match within my AMC's. Appreciate if you can share few tips on how to find and compare Index MF vs Index ETF funds?

[@joshpeters4100]

Financially stable and free, the confidence of entering a supermarket without fear of getting your card declined has left my body finally

[@joshpeters4100]

PeterDT1

[@joshpeters4100]

*tele*gram*

[@jaio4685]

I check my investment in SIP after every 3 months. This helps me in planning which SIP is profitable and which is low on profits. However till date all my SIP have given me on an average 26-35% return which is still invested and will be there for long term.

[@financemojo]

Hey, you make really good videos. Your content is very apt and required at this time. Was just wondering if you can also analyze the property sharing business like Alyf. Is it worth investing in a property sharing model?

[@explorewithnandagopal]

Such a beautiful way of explaining and with nice examples. Thank you. Is it better to go for NFO from good mutual fund houses or buy existing MF where some of the NAV have already peaked and costly???

[@Rahul3219]

In small cap category index funds are not beating most of other funds.... 70% of small cap funds are beating index in category by atleast 4-5 %,which will make huge difference.. Mid cap index are good enough to invest... But not small cap index... And also in case of large cap, index funds are outperforming just because of last one and half year, which was full of uncertainties .. So in uncertainty all the stocks goes up n down with almost same degree, which beats group of specific stocks choosen with horizon of 5-10 year... Index funds are good but not in case of small case, where thousands of stocks are there to choose from...

[@marlenaaj]

Hi Akshat, thanks for this and for adding the English subtitles. You seem well versed in investing and I have one question. As a foreigner in the States and given the times, would it be better to go into into real estates or stocks. I have been confused on the better option and where and how to go about this. Can't seem to find the most appropriate and of utmost importance is higher income and a less time intensive option.

[@thepotter867]

Why not both? With the present economy, you should never forget to diversify. Do not put all your eggs in one basket. As one who has been into Real Estates for as long as I can remember, I made my first million late last year from stocks alone (got the services of an expert because I also have time constraints). I also experiment with a couple of other things. Hard to imagine that I had initially refused to try out new possibilities. Good luck.

[@amymansfield8184]

@@thepotter867 ...Very sound and realistic. I too have been into both for sometime now and though I won't say I have lost a fortune, I have squandered quite a lot... You mentioned using pros, if its not a problem. do you mind telling who you used or recommending a good one? I could definitely use the help of one right now... I look forward to you replying...

[@mrmoore2485]

stocks are your best bet atm, the housing market are currently a mess

[@thepotter867]

@@amymansfield8184 Funny enough, I can honestly relate. I don't know if I am permitted to go into details here, but mine is "Stephen Joseph Kohlhofer" and you could look him up . I'm not so sure he takes on new people right now, but you could try.

[@latoriamartins4643]

@@thepotter867 casually strolled into this thread and boom, I know this smallish man. Once attended a fundraiser he was also in attendance here in Vancouver,, calm looking man with with a funny accent,, He's in the States though, I doubt he works with non residents,,,

[@ras-qu5pp]

You are different from others. For the last 7 months, I follow what you said. Heard you first time. Subscribed. It is better to have one bird in hand, rather than two in bushes!

[@dwaparbhartari5453]

Nifty 50 index also contain particular stocks which are either not performing well or very insane pe ratio .Active funds will avoids these stock so your return will definitely better than index .But if you solely invest your money in large caps then wealth will not generate ,you need to go to midcap and small cap for it .

[@Cristian_M_]

Successful people don't become that way overnight. What most people see as a glance of wealth, a great career, and purpose is the result of hard work and hustle over time. I pray that anyone who is reading this will be successful in life.,.,.

[@thylda7877]

I’m celebrating a $30k stock portfolio today. I started this journey with 6k. I have invsted on time and also with the right terms now I have time for my family and the life ahead of me

[@robertgeorge238]

Wow, this is really amazing. How do you come about it

[@zoeyswaniawski7306]

​@@thylda7877我正在尋找可以短期冒險的東西，我的積蓄中有 15,000 美元

[@Brookeinda]

You’re right but a lot of people remain poor due to ignorance

[@hamidu_-]

Not because of ignorance, it’s because of the high rate of unprofessionalism in the cypto market

[@krishnanhariharan5203]

It's always a 👍pleasure to hear you Akshat. Always honest and caring😊.

[@dipankarnath6030]

Please do a video on BCG shares which was bought & sold by investors on 5th & 6th December, which is still not delivered, and affecting 15000+ retail investors with no resolution so far.

[@harisoma]

Akshit... Mutual fund sahi nahi hai... ham logonko koi rasthaa nahi hai... Equity picking & investing requires lot of time and taking such work will be good if we have corpus something like you. Anyhow great video....!! but not such easy way for ordinary investor.. Rock as always 🙌👏

[@SanjaySharma-ys4wr]

If you stay invested for long atleast for 5 years you will surely make money in MF। Atleast same will be better than FD and will better inflation। If fund manager under direct scheme is charging .5% nothing wrong। As market keep getting efficient generating return will becomes difficult for all( whether retail of fund manager) but for sure he will generate better than retail investor. Therefore not entirely agree with view point

[@srithasritha9557]

All the Finfluencers there are talking about Quant mutual funds off late. All these must be paid. Think on your own and take the decision !

[@kunshskeyboardskills3429]

My selection of MF is based on logic of Median returns in category over 5 years and stability of Fund Manager

[@sanjaypagare3505]

Very nice sirji,eye opening vdo,we all are completely aware from all 3 Questions.Thanks..

[@raghavh7171]

Hello Akshat, seems you missed to talk about direct vs regular mutual funds. Choosing one over the other, for the same fund, makes a huge impact on the returns.

[@meonline7793]

Will u explain?

[@abhishekanand2403]

Hey Akshat, As always great video. It would be great if you can roll out any analysis on 1. National Pension Scheme(NPS) as investment & tax saving option, 2. Any other pension options and 3. How to manage our parents retirement fund Thanks

[@mugdhaborse891]

Nifty 50 direct investment SBI me kr skte he kya.

[@raziyaazmath4569]

Watched this video for the first time. You spoke very logical and very nice in explaining. Thank you.

[@sukritsaha4727]

Agree and appreciate only part statements or narrative of yours.

[@Akshats247]

ᴛʜᴀɴᴋs 👆ғᴏʀ ᴡᴀᴛᴄʜɪɴɢ☝️ ғᴏʀ ᴍᴇɴᴛᴏʀsʜɪᴘ, ɪɴғᴏʀᴍᴀᴛɪᴏɴ ᴀɴᴅ ɢᴜɪᴅᴀɴᴄᴇs ᴡʜᴀsᴀᴘ ᴍᴇ ᴅɪʀᴇᴄᴛ.

[@stayreasonablestayreasonab8133]

Nifty 50 is safe and not Nifty Next 50. Good to learn. Lot of interesting points made. Excellent episode.

[@bhargavp3085]

Lol

[@ap-nr3zi]

Tell this to Japanese.

[@nfuel99]

I want a nifty49 index fund without Adani enterprise.

[@dmascare6486]

In the past 10 years Nifty 50 has generated 13.2 percent annualised returns. Whereas the direct plan of Nippon India Small Cap Fund has given an annualised return of 27.30% in the past 10 years (Even considering 2% expense ratio, it's still way better than the Index fund..... There's a famous quote "Penny wise, Pound foolish"

[@anupamsingh25]

​@@nfuel99😅😅😅😅

[@gangnamstyle5270]

Thank you for sharing your opinion however it looks like you have some Conflicting interests. The more people try their luck at direct investing the more they may sign up for the products you offer or continue watching you. My two cents, I can be wrong but I help but be skeptical.

[@harishrao2000]

Precisely, also direct investing takes up lot of time and is stressful. It is not really possible for someone with a full time job and other commitments to venture into direct investing. If that is so easy, everyone will be doing that and become crorepathis. Mutual Funds offer a good middle ground between FDs and direct stock investing. You might not be making crazy profits, but you don't have to keep staring at stock market all day and everyday either.

[@gangnamstyle5270]

@@harishrao2000 correct I remember when I used to do direct investing, I was making better returns but after my promotion I had to work 10+ hours a day and mutual funds came to the rescue. I still invest in direct stocks, but very carefully and less often. I made more net income by focusing on my job.

[@davinci2030]

Thanks Akshat. You have cleared my doubts. Direct stock investing ❕

[@deepakkumarpandit2259]

Itna achha knowledgeable apne video me bataya 🙏🙏🙏 But isko thoda Hindi me bataya Hota toh bahut sare logo ko fayda hota🙏🙏

[@marathigeetmehfil6040]

Satish here from Goa.Totally agreed with you your point of view. I myself was able to gain more than 10% returns last year which was better than many mutual funds. My picks included your fav HUL and Ibull hsg which i booked profits.. Thanks for your value added videos.

[@SumitKumar-zj9ff]

last year was insane...everyone made money.

[@saradbratamishra6948]

Very useful video sir.. But my query is your unanswered first question " When to sell Mutual fund?? " And my 2nd question is which is better---- Sensex index fund or Nifty 50 index fund? Pls answer🙏🙏

[@phacocataractdrlvkraju5]

Superb info for beginners and skeptic like me. Thank you Akshat 🙏

[@AmitKumar-wl5nq]

hello akshat you said how we can understand about value of nifty whether undervalued or over valued plz can u explain a bit more

[@alimousvi9846]

Cool sir. I also made same mistake and started ELSS of quant. Parag also as per your recommendation. But please suggest one more. PPL say mirae is also not good now.

[@markdsouza2145]

I have invested in quant and parag both are good elss. I invest in elss mutual fund

[@puntoevo]

I also have both QUANT and PPFAS ELSS funds, I'll keep investing in them continuously,

[@pallaviiii847]

@@puntoevo wo mutual funds ache hi tho he, mistake kyu bola.

[@puntoevo]

@@pallaviiii847 ya, don't know, I think both of these AMC has different strategies which are good to balance the risk.

[@jaiminbajaj]

Looking at this, I think smallcase is actually a better way to invest. Best smallcase managers may still have AUM less than 100 cr so they can churn and deliver those market beating returns. I have a sense that Akshat will push his smallcase too as most people here are complaining they don’t have time and skills to do direct stock picking!!

[@govindarajan6576]

Very well thought 👏 ùnbiased.

[@rahulranjan3815]

It’ good to have this Amulya knowledge you’re spreading through this platforms. Keep up mate 👍

[@ashishk8462]

I have been following your videos since a year now. I have never seen you talk about the ins and outs of ULIP plans in portfolio... It would be great if you can make a video the same sharing your views! Thank you

[@sushiltiwari7361]

ULIP is worst tool of the investment period.

[@sandeepshah105]

Generally the thump rule, don't mix insurance with investments

[@infinityrocks888]

For Small Cap, should we consider an actively managed fund or a Small Cap Index fund?

[@Peace.sacrifice]

Another eye opening video. Thanks bro

[@lakshminarasimhanpb506]

Thanks for this information sharing, Akshay bro !

[@manojreddy8248]

Quant can change the position based on current scenario. HUL Cannot be changed once invested. It's like comparing apples and oranges

[@chaitanyakumarreddy4796]

True ...If we follow every word of these gurus we will be lifelong below middle class guys ...Every investor should have his own style of investing depending on his risk appetite

[@RahulPal-mz4oj]

Once the AUM of quant ballons up, it won't be able to change positions as easily.

[@SumitKumar-zj9ff]

@@RahulPal-mz4oj He is there to sell his course. sabko pagal banado. MF is best way to go if you are not full time investor. Comparing Quant and HUL was insane

[@dbhuwan]

Hi Akshat, great video, can you pls do similar analysis of 1) Index ETFs vs Index MFs? Arent ETFs better because they are not actively managed by fund managers yet yield index based returns. 2) Investing in Indian Nasdaq ETFs (like MON100/MAFANG) vs Investing in NASDAQ through Vested (Middlemen who charge their own commission + currency exchange fee + Bank remittance fee etc)

[@sahil11o9]

Yes,etfs take way less like 0.05-0.5% type of commission

[@akshats338]

Feedback ☝️Appreciated. Wanting more info and insight? WatsApp the number above, Endeavour to reach out.

[@harshilroy1]

Read about efficient market hypothesis. India is far away from being an efficient market. We in India are still having a decade or two where active funds will outperform the benchmark. Don’t ignore active funds.

[@SumitKumar-zj9ff]

@@sahil11o9 etf are less liquid. If you have a large portfolio then it becomes a issue especially in indian market

[@Manoj-cr1ji]

Insightful video. Doesnt mutual fund charge on the current NAV. based on the example they would charge 2% on 1.1lakh right??

[@arunz9241]

Thanks so much Akshat..this is really an eye opener for beginners like me

[@rahulanantwar9532]

On lighter note akshat’s favourite line go sell everything today or sell your house 😅.. best way to communicate 😊 . But Learn lot from akshat

[@karanzaveri6369]

Great video sir, eye opener 😁 great teacher to teach from experience

[@faiz697]

What about smallcases ? Thery also have some annual charges

[@devadaskodial2]

I truly liked the information, indeed very helpful in investing your money if one try understanding it in depth. We have to take freequent look at the investment to do the right manipulation... thanks Akshat 👍👍

[@singhvlogger1407]

Please make a follow up video on this topic it will greatly help many people. I've invested a lot of money in MFs.

[@gprocky2010]

Go to stock picking only if you understand it. Else, low cost index fund is best 👌

[@SatishKumar-ro7mc]

After watching this video, I have decided to invest in Quant Mutual fund and I also pity for those 2 million subscribers of this channel because you are not able to pick good KZbinr for learning about investment how can you pick stocks 😂😂😂

[@amritpalsingh3293]

He has since started investing in mutual Funds. See his latest videos

[@kapildhanraj5965]

Akshat thanks alot for bringing this awareness. All i can do on youtube for you is to thank you 1000 times. Greaat job… Keep it up and may the god bless your family and you a great future…

[@ramyatripathi6797]

Excellent course selling strategy. Creating demand for pre-ready supply.

[@capricornus993]

No one asked..

[@ray-haan]

Hey Akshat, i regularly checkout your PF/investing content, thanks for educating me. I think several folks in mid-30s (incl. myself) can benefit from a bit of wealth building options, especially because we've lost atleast 2 full cycles of ~2x compounding, so please create something on it if you agree with the idea... cheers ps. if there's already such targeted (30s) content then can you direct me to it please

[@MyMoneyUniverse]

hey rehan, until then u can see my playlist of step-by-step finance planning . good luck buddy!

[@vivekbratabiswas5111]

Hi Akshat , I like your commentaries. But in this particular one .... what was the objective? Are u asking the common retailers to go for direct stock investing instead of mutual funds? I understand and buy your logic on Index fund investing and know that active large cap funds r not beating the indices. But What is the problem with Quant mutual fund ? QUANT strategy is different from value or growth investment. They follow an algorithm based on data and quickly charn their portfolios for beta. I am sure that u know this but did not mention that in this commentary. More and more people r moving now from regular to direct mode of investing in MF. Every investment has cost .... be it expense ratio or commission paid to brokers or PMS . Suggest u talk on Quant investing model.

[@shounakdatta8997]

You should also mention the principle of portfolio balancing in mutual funds

[@gauravtyagi1890]

Thanks, Akshat ... this was really helpful... you really explained this very well.

[@sumanshekhar7960]

Hey Akshat, could you please emphasize when to go for Index ETFs vs Index Mutual Funds?

[@tanujsharma478]

Yes please

[@kartikeyaR]

Look for expense ratio, In MF u can invest any amount above min investment, in ETF u have to buy it in whole, there's volatility in ETFs but there's also liquidity, MFs have longer settlement cycle unlike ETFs T+2 Hope it helped

[@yash2403]

😊😊😊

[@sumanshekhar7960]

That's all fine. But, what about the real returns and fund management. That's something that confuses me.

[@surya123ification]

If you want to trade an index then you go for ETF. Otherwise, you can pic Index mutual fund. (FYI - Index ETF expanse ratio is a lot cheaper than Index Mutual fund)

[@prasadshinde917]

Hi, wanted to know does it still make sense to invest in US stocks if the Indian government has increased tcs from 5% to 20% ?

[@nextsave]

Hello Sir, your knowledge and views are quite valuable and a good guide for common people. I have a request that can you make few videos in Hindi completely or Hinglish to forward them to our previous generation , so they get benefitted too😄

[@pealikundu550]

Thank you Akhast i hv got some of my answer which I hv asked .

[@praveenpai1060]

I'm assuming most of your subscribers know the difference between direct and regular plans. But a simple piece of advice would be to invest majority in Nifty 50 index direct - growth plans irrespective of AMC. Also decide on E:D asset allocation, and use that to titrate your portfolio.

[@JS_Vishal]

When we sell the mutual funds if our portfolio is 15% in profit and then start over all again .. Then won’t we be losing out in the compounding effect??

[@sachinkumarchalvaji7210]

Definetely losing great things takes time

[@DR-jl6fm]

ETFs v/s index Mutual Funds... which is good for long term... please make a video on this

[@morrisgarage8887]

Nice video. I have started individual stock investment along with mutual funds and it is more rewarding.

[@sarangbhirad]

Hi Akshat. Please do make a video on the retirement corpus, how to plan that amount, etc. Also, would love to know what your personal ballpark figure is about the retirement corpus.

[@LaLiga_SantanderOfficial]

ᴛʜᴀɴᴋs 👆ғᴏʀ ᴡᴀᴛᴄʜɪɴɢ☝️ ғᴏʀ ᴍᴇɴᴛᴏʀsʜɪᴘ, ɪɴғᴏʀᴍᴀᴛɪᴏɴ ᴀɴᴅ ɢᴜɪᴅᴀɴᴄᴇs ᴡʜᴀsᴀᴘ ᴍᴇ ᴅɪʀᴇᴄᴛ.🎉

[@hiteshs4204]

Hi Akshat, What about the smallcase? How is it different than mutual fund? As its more transparent than MFs. I think considering your knowledge and the skills, do you think to apply those by creating a smallcase? We will be happy to subscribe to.

[@adarshabadrinath1304]

Knowledge, communication skills and empathy for the audience...you offer a great combination, Akshat 👏

[@prakashbhagwat5876]

Eye opening video. Thanks Akshat ji 🙏

[@zan1971]

Your pinned comment didn't say if the graph at 18:58 is overvalued or undervalued like you said it would. I feel like looking at the growth trend just before the place you circled, it's actually average and has a chance of going either way. Also can you show a bit of math about how exactly does the index fund beat the large cap mutual funds? From what I understand, the index fund gives the lowest return of all and large cap is slightly better with a bit more risk. And yes I agree that you should invest in stocks on your own to make most money but the stress that comes with it might not be worth it.

[@susso_bhan]

You can check that using RSI graph in tradingview in daily timeframe for nifty 50... As per my knowledge its not overvalued atm but also not highly undervalued as well... happy investing

[@indiautube4915]

Where did he say index funds beat all large cap funds. 5:35 he is saying 78% will not beat the index. Remaining 22% will beat..but no active mf can consistently beat index. So every few years you have to shift money from exisitng funds to latest "top performers" and pay capital gains tax

[@zan1971]

@@indiautube4915 How exactly are 78% not beating the index?

[@indiautube4915]

@@zan1971 please google for index funds vs actively managed funds and go through those articles

[@zan1971]

@@indiautube4915 I have and also compared the rate of returns of the large cap funds vs the index funds. I did all of this before investing my money in the markets and large cap funds are literally just better index funds.

[@saxenaamit7404]

Even in stocks if one had a habit of churning and booking profits than he would have lost an opportunity to make wealth in many Multibaggerw stocks like Motherson , Wipro , RIL , Titan , Sanofi , Infosys , TCS etc etc … so not always booking profit is good. Many a times it is counter productive. MF schemes is not designed to churn after short span of time like 3-5 yrs because the fund manager who manages schemes is already churning the stocks which are there in the portfolio.

[@devBotPlus]

Thanks bro! Your videos are even valid for Pakistan Mutual Funds and PSX. It literally helped me a lot 🙏

[@manish071088]

@akshat What about the dividend received on our stocks by MF. S Is ot consider in Our interest ?