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

[@AkshatZayn]

👉My LIVE Stock Market course: wisdomhatch.com/courses/stock-market-live-course-crash-course-limited-seats-january/ ______________________________ 👉 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 ______________________________ 👉 I use Vested to invest in US Stocks. Exclusive $10 bonus on 1st Deposit if you sign up using this link: vested.app.link/akshat [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

[@Jatin.R.Sanghani]

Sip should be continued for at least 15 years ... don't sell.. Buy every dip..add some persentage every year in existing funds sip .. Don't try to time market.. These influencers are making money through videos ... Don't fall in there confusing trap

[@FelineAirstrip]

I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket.

[@WestonScally7614]

Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor.

[@SaintYvess]

Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.

[@sting_grayl]

pls how can I reach this expert, I need someone to help me manage my portfolio

[@SaintYvess]

*Jennifer Leigh Hickman* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@sting_grayl]

Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.

[@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.

[@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.

[@sagittariusguy2011]

Expense ratio ka kya which would eat your entire portfolio for free and they won't talk about that

[@atanuchatterjee7470]

KZbin has turned into a platform for influencers promoting their own interests, often ignoring the average viewer. Some are pushing mutual funds, while others are focused on stocks, creating confusion. It's important to educate yourself, trust your instincts, and have patience for long-term financial independence

[@cmrdecc6516]

Couldn't have said it better myself

[@Dpak1980]

4 mutual funds of mine are performing very well at 24%,38,47and 54%. why this man is saying you will never get rich by investing in MF is beyond me.

[@chaitanya5617]

What are they bro

[@gprocky2010]

Check their xirr. After many years of holding, ansolute returns give a false picture.

[@shahidmohsin]

According to him small caps are risky.... Ab to SEBI ne bhi bol diya that small caps are overvalued. Now they are going down.

[@sriniwinner]

Influencers have to keep making videos to make money from youtube. Huge income like p r sundar of option selling fame has probably 50% income from youtube. Predicting the market is a mugs game and not suited for normal investor. I do SIP in blue chip individually as well as mutual fund. Should not be sold unless there is a very specific reason contrary to the original reason for purchase.

[@ayanpaul27]

Considering you have written this comment 9 months ago, hopefully in the last month you got your answer. Quant is not even beating category average

[@MonkeyShop-ws6gb]

Meanwhile quant did 40%+ growth after this video.

[@rajasimon]

Ha ha yes yes. 😂

[@Rajkiran12]

This guy makes 150rs from every new addition to his community with useless stock picks.. I think mutual funds are far better these influencers

[@Kalyan-oc8oe]

Bro Nippon give me 104%😂

[@NareshKumar-gh5wu]

Your talks Not seems true

[@MrArjun936]

You exited?

[@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

[@kirank4623]

But what is the point of SIP when NAV of most funds are only increasing annually. Max they will stay stagnant 1 or 2 years. So isn't it better off to just do lumpsum and wait 8+ 10+ years for maturity......or do SIP for next 6 months so any crash or correction happen, it will have a good decreasing average and then u can do some lumpsums in those dips

[@Kishor-Reddy]

watching in Aug 2024 , quant small cap is still doing well

[@vigneshaithal]

Sold my house to buy Akshat's premium subscription😀

[@peepdi]

😅😅

[@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.

[@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

[@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

[@danlightened]

Excellent points. I would like to add one point. Unless it's buy and forget type shares like you mentioned, it's incredibly hard to actively manage a portfolio of small cap stocks. A hundred things can go wrong with a company and a thousand things (macroeconomics, geopolitics, climate etc) are affecting the stock market which inadvertently, affect your stocks. So, unless you spend all day staying up to date on all developments, better leave it to the experts. I spend most of my day doing that and it's usually not worth it. Unless you yourself are managing a few crores of portfolio where you can make a few lakhs each year.

[@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...

[@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?

[@kirank4623]

I have 50 Lakhs to invest. Can i do 30% small cap, 40% flexicap and midcap, 20% large cap index. 10% debt/gold etf ? I want to do lumpsum because the NAV of any fund only grows higher every year most cases. What is the point of doing SIP if your average is only increasing?? Or i can do max 6 months SIP and then do lumpsums on dips ? Please guide. My goal is atleast 15 to 18% CAGR long run 10+ years

[@ishan_9081]

I invested in Union bank mutual funds last year when this video was released and my profit till date is 35%.

[@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

[@AbhishekSingh-f3d]

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

[@ontheway01958]

​@@AbhishekSingh-f3d hi any advice ? I started today

[@AbhishekSingh-f3d]

@@ontheway01958 1. Don't expect results before 6 months - 1 year. 2. Market was on bull run for long, so all MF gave good returns, but this is temporary, so be prepared to switch MFs. 3. Have some emergency money seperate. So you don't have to exit the market at low profit/loss in case of emergency. As a thumb rule I assume that my money in MFs are locked for 3 years.

[@sukhbirsahni3100]

Sir pl make your point in short. You talk so much that the listener gets distracted. You could have said all this in 5 minutes

[@teakadamavericks8846]

the more you watch, the more they earn I guess

[@jayal.7697]

👍

[@rubyshorts281]

@@teakadamavericks8846yt algorithm pushes the rank of video if you watch more

[@SanthoshKumar-nr5he]

bro chill🤣

[@AQ_02]

I agree...

[@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.

[@GAMINGwithDivyangParmar-17]

The one who understands all these functions doesn't need a mutual fund distributor. They did not loot in all cases, the amount you pay is for their services.

[@SumitKumar-zj9ff]

Best advice is simple advice especially to retail investors who are not finance experts. It is totally ok to sell your courses but pl don't create panic. Most of the retail investors will lose money and they dont have time or apptitude to become a ace investors even after paying a large sum to you. Mutual funds are best for people who are not full time investors like you.

[@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.

[@anupamsingh25]

​@@nfuel99😅😅😅😅

[@danlightened]

Nifty next 50 is just as good and are also comprising of large cap stocks.

[@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!!

[@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

[@NitinP-n7v]

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?

[@shafiqaansari1044]

Exactly i have invested in SIP and just not even 10% for more than 3 years

[@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

[@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..

[@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.

[@romilbhakuni2102]

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

[@yourghost9596]

Which platform do you use to invest? Im pretty blind in all these

[@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,,,

[@varunbhayana16]

Motivating people to learn stock market and selling your courses.. index funds for large cap is pretty good

[@picshh]

One doubt I have is on Compounding in Mutual funds. Can you explain what is compounding in Mutual Funds Vs stocks ??

[@pankaj231185]

Within the first 40secs of this video, I paused to comment this, "I always always always had this question, sala yeh mutual fund bechna kab hai". Thank you so much Akshat for bringing up this question...

[@adarshm305]

Yeah the commission thing is there. But it is good to have some support from someone right? If we are going direct, who will be there to tell us it is time to go out?

[@Akshat.247]

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

[@adarshabadrinath1304]

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

[@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!

[@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

[@danlightened]

😂😅

[@rockfella27]

I have been investing heavily since 2019, even more when COVID happened. My folio doubled in no time. When market was ATH in Jan 2024 I withdrew half of it, purchased a 3BHK house without taking a bank loan. I think I nailed it pretty nicely. Now I live in my own house and pay Rs. 2015 monthly maintenance as compared to 30k rent just 6 months ago.

[@rajagowtham7258]

How much money you have invested per month on an average?and how much returns when at the point you with drawn it?

[@beingpractical3293]

After investing in mf from last 10 years. Take one fund each from all categary, and remain invested for 5 to 10 year, without switching. You will get greater than 12% return.

[@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?

[@user-sd7vp4yn7s]

@meonline7793 Regular funds charge more expense than Direct funds. Always invest in Direct funds. If you are doing thru Banks netbanking or Bank demat then you only find Regular funds as bank are distributor. Direct funds you can do thru directly thru Fund House site.

[@1Bond007]

Nothing bad in giving 0.5-0.8% to fund house if the investor is not good at direct stock research , buy , timely exit etc..

[@capricornus993]

1% on a sip of 7200 (86400/year) amounts to 25 lac over a 25 year tenure. Decide for yourself if it’s okay..

[@capricornus993]

@@suraaj2344 Yes, I do. Because with school level economics and math you can sufficiently analyse a business. Obviously, you still do keep learning along the way. But to blindly hand over your capital to others because you don’t want to put in the effort is plain lazy. Business analysis doesn’t take up your whole day, and it’s not as if you need to keep analysing every month or so. The hard part is staying invested over along time with buys during dips. What you’re describing is trading, not investing. I’m not blindly against MFs but people need to know when there’s something better out there..

[@LaLiga_SantanderOfficial]

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

[@kumareshdas4119]

Noy impressed Im investing for last 11 yrs Im vry much happy

[@alokbansal9193]

Hi Akshat, nice content.. Can you guide how to buy mutual fund directly.. I was planning to buy Axis Nasdaq fund directly..

[@rajatm6815]

I am investing in share market since last 2 years and till now I only face losses even investing in companies like Wipro, Relaxo, Prince Pipes, Trident. I hope aapki videos 2 saal pehle hi dekhna start kar deta taaki dhang ki stock picking sikh jata.

[@Satishrane2]

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.

[@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!

[@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.

[@avijitpaul3309]

very insightful. One thing i did not understood how much i am paying as a commission to the fund manager while removing my fund

[@Akshat.247]

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

[@steverichards7060]

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

[@nirjharmishra6552]

When we talk about index funds, arent we banking on the position of a company rather than the company itself? For small cap top 100 , it dosent matter if some comapnies go bankrupt the postion they are holding will be replaced by another company?

[@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

[@gollamudimadhukiran1573]

You are wrong. I tried to invest on my own. But mutual funds have given me more returns. Every body will think they are very clever.

[@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.

[@sarthakmittal6343]

How is this man so confident with whatever he is saying.

[@natureexplorer2193]

You can't blame particularly one mf quant. Quant is doing very good. We love it if somebody sleeping by just investing that might be you. Quant is good and returning 50% bcz they are intelligent and active not begging like icici Or hdfc

[@spg6651]

In a long run everyone is dead -- These long term plans such as 25 years plans are totally useless -- Direct investment is the best -- You are the boss and transaction cost is very less

[@krishnabansal7086]

How do I join the member community

[@Akshats247]

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

[@Akshats247]

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

[@ganeshdatt-jc1pm]

Imvesting in diversified MF is the simplest way to make wealth. Not agree with ur biased view on quant. Check their vision and philosphy. They r doing good work for rerail investors. Not just making videos and making money from youtube.

[@rajasimon]

Ha ha literally my point. They are doing great and here he makes a statement for not doing that mf for his benefits 😂

[@rvyasca123]

Misleading! 1. Quant mutual fund's AUM did get increased and still it's beating respective indices with high margins. 2. They do not charge 2%, they charge 0.95% expense 3. Investors can surely come into emotions and make irresponsible buy/sell, where mutual funds stay in deciplined. 4. This is the main catch: Mutual fund once invested in, it grows with compound interest. If you sell within a year, you will pay 15%tax. If you umtouch it for several years, full amount will enjoy compound returns. 5. Each time you sell funds, bank or mutual fund house will deduct TDS which is.much higher than 15%. Offcourse you will get excess tax refunded but that will be at the end of the year and you will loose opportunity. This will impact big on your returns over a long time. 6. Numerous mutual funds provide return of more than 20% CAGR for last more than 10 years...like UTI transportation...Quant will sure give that return. Wouldn't that be worth avoiding all these pitfalls and pay 0.95% to the people who have a team of MBA'sand CA's to manage your money? I would! Oh ya, Quant hedges with futures and options which normal investors can't.

[@girijan7889]

You are doing a commendable work by giving these insights about MF. Really thank you as a new entrant to this field.

[@kishorekb30]

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

[@arvind1137]

Till now nobody told. We are loosing 20% of our profit through expense ratio. You are great sir.

[@sachinshetty3238]

Sir it’s not correct please check properly go through advisors then only you can understand what is expense ratio how much charge you will have to pay 😢

[@infinityrocks888]

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

[@parikshithkulkarni312]

Better to go for actively managed but choose a good fundhouse

[@sapanparekh01]

Don't really agree with the last part. Given the expense ratio is a % of AUM, they will always have incentive to make more. More returns, gets them an even bigger AUM. Very problematic to say it you want to "make money" only way is to do direct. Most people will burn their hands with direct investing

[@samsmarine123]

Hey Akshat,want to add an important info . I have been investing in 3 mutual funds one large Cap and 1 mid cap and one 1 small cap from 2017. They could generate a return on 18 to 20 % . CAGR. Also they had been beating the index .Now the direct mutual fund market expense ratio is 0.5 to 0.8. Few people like us don’t have time for stock research so mutual funds investing has been a better option.

[@RahulPal-mz4oj]

What about return of last year when there was a bearish sentiment.

[@indiautube4915]

Also they have been beating the market - no actively managed mf can consistently do it..after few years those will fall back and there will be other "5 star" rated funds. Then you will have to sell existing ones, pay captial gains tax and move to latest top performers. All he is suggesting is invest in index mutual fund and keep cost low

[@TheDarkKnifhtg]

Which are the 3 funds you are invested in?

[@wewe-fx6un]

​@@TheDarkKnifhtg je baat

[@shubhamgupta3858]

Bhai aap kaun sa aap use karte hai us stock ke liye

[@Akshat.247]

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

[@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.

[@rahuljain52]

Can you please do a video on advantages and disadvantages of PMS services...

[@Akshat.247]

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

[@kushik.naveen]

The fact that Quant Mf has high Churn rate is because they use Quantitative Investing style, use data extensively, and that’s how they were able to achieve such high Returns. The CIO has mentioned they will try to continue these strategies and hopefully they will be able to beat the market

[@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.. 😂😂

[@kalpeshvakharia2288]

For normal people stock research not possible , advisor convinced and then get commission also so many exps but finally investors get good return then other investment instruments ,

[@adityavk1420]

Don't stock pick if you don't have knowledge, you'll lose your money. Invest in nifty mutual funds consistently. This guy is trying to sell his courses. Mutual funds are the best option to start as a beginner investor

[@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

[@Abhishek89706]

Sir quant small cap fund direct growth plan liya hai mf ke liye invested rahu ya nahi

[@WHITE-pz8sv]

Isse mat pucho. Agle saal bola tha ki quant niche ja sakta ha. Aur dekho pura saal bohut upar geya

[@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.

[@MangoCitizen]

Quant still making average 40% + returns after 1 yr!!

[@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% ?

[@arnabchattaraj5259]

Undervalued but in rising path time to buy

[@Akshat.247]

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

[@atatu82]

So to prove you can easily make 12% return you turn to historical CAGR of Nifty and then you say to assume that Quant will continue to give the return as it has given historical good CAGR is absolute nonsense.. inconsistent positions within first 10 mins of the video!!

[@danlightened]

Yes, there's some inconsistency. But an index isn't a mutual fund. An index is only adjusted once or twice a year and it doesn't do speculations of future growth. It just adds or removes companies who fail to meet certain criterias. Like in Nifty 50, it's India's first 50 companies with the most market capitalisation. So, if someone's value reduces below the biggest 50, it gets the boot. Although, there are more criteria like free float, volume of trade etc. We market participants or the mutual fund managers use too much of your brains. And we make too many changes. Sometimes these changes give exceptional returns for a couple of years followed by under performance for a few years. And this is proven in the fact that 78% of fund managers have been unable to outperform the index.

[@ravindrarao7516]

Hi Akshat, you are addressing less than 1% investors those who are well versed with stock market and I want to remind you that,they are still concentrating in stock market only.

[@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.

[@ajitkumar-cr9oe]

Most people investing in Mutual fund already knows what u said. No one sells house to invest in mutual fund. People r more smarter. However u r topic is great

[@sanu588amit]

Jab tak bada aum nahi hota tab tak invest karo quant pe, returns hi uska proof hai performance kesa hai amc ka, track karte raho yearly returns & churning % jab kam dikhega dusre jagah invest karo. Good concept adapted by Quant Mutual Fund.

[@ziko640]

I keep on hearing from you that mutual fund expense ratio is 1-2%. But for direct funds mostly it is in between 0.5-0.8% . Though it is not less, but please update yourself

[@samking618]

Agreed

[@capricornus993]

And you please update yourself as well. There are Mfs where direct investment also commands 1-1.5% TER. And mass majority doesn’t even know there’s a direct investment option. You’re a fool if you think Akshat doesn’t know about direct TER you’re mentioning. But since he speaks to the general public, he has to avoid speaking in terms of specific cases (like the one you brought up). Just a friendly advice, avoid putting your not so well thought out statements on a public forum, it hurts to read them..

[@samking618]

@@capricornus993 he could simply tell to go for direct plan vs regular, instead of completely disregarding the MFs Tbh, most of us would start with hardly 10k-20k SIP monthly with tough job schedule so MFs are the only wise option Stock picking is only for those with huge funds and time (like akshat) so the 1-2% alpha over index or mutual funds becomes worthwhile

[@capricornus993]

@@samking618 Okay, now think about this- 1% commission on a sip of 7200 (86400/year) amounts to 25 Lacs after 25 years. If that’s something you can live with, well and good. That’s the intent of the video. I’m a member of his community and he himself invests in MFs as well. It’s just trying to elaborate the bigger picture. As always, the decision is yours to make..

[@dharmiclegends]

@@capricornus993 hi, how does 7200 monthly sip commission @1% come to 25 lakhs in 25 years?

[@vijuvijay7335]

Can you make a video on what industry should we consider in the portfolio for the next 15 years? Eg: technology had booned in covid, gold/metals was performing and continue to increase, finance exposure comforts during inflation, how about infrastructure? I feel India will have better in the coming years. Would like to hear from you, opinions and advises?

[@vijuvijay7335]

@akshatshriverstava. Is it the number with the handle? +191xxxx?

[@swapnonilghosh8607]

Markets are looking overvalued. Secondly, when talking about direct stock picking we'll have to devote more time in the stock market than usual. Until and unless one is working around the periphery of capital market or whose sole job is trading, it is complicated to do stock picking. That is the reason why majority of people put their money in mfs (talking about middle class) i.e time constraints.

[@anir2286]

Some smart media influencer says don’t invest in stocks, don’t buy house, don’t buy gold and now we have someone who says no mutual. No crypto so should we just keep the money in with us also not in bank.

[@gunasekarankulandaivel7301]

Hi Akshat, We have taxation of 10% for the profit as LTCG. Let us take case study, I invested 5 Lakhs rupee during Jan 2020 and became 10 Lakh by Dec 2021 (in two years). Though I understand that the market is over valued in 2021, I couldn't sell because I will loose 50k rupees for LCGT tax. This is 10% of my profit. Even if I switch the entire money to Debt funds, it will take two years to reach the same 10% value which I have lost by paying taxes. Could you share your views on the same?

[@wkskdnam]

Visit a CA for tax savings investments. Than withdraw money.

[@G-vlogs.]

Go for tax harvesting to save taxes to some extent.

[@MYSTERYTRADER06]

Sorry but no problem with quant small cap till now. People scared when they see lot of %return in the market ... High risk high gain that's all about stock market. Quant is doing very well indeed as of now. And i don't think you should exit in any mutual fund If want to see good results then stay for 10 years.

[@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 👌

[@architdwivedi9025]

Hi Akshat, I'm curious to know how you draw such comprehensible insights. Can you make a video on your research methodology?

[@Akshat.247]

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

[@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

[@Vdbail]

Best to enter MF when AUM is at 2k-4k range and exit at 14k-15k range

[@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.

[@sureshkblr]

Excellent point about profit booking. We are not Warren buffet to hold everything forever

[@jayaraj222]

There is lots of difference between mutual funds and stocks. Not everyone wants to venture into direct equity considering risk, time and professional advice. Good doctor will charge higher.. the difference between wholesale and retail product is 5% which is higher than 1-2% of mf charges.. brokerage or charges are paid in every asset class like gold, stocks, real estate, paintings, insurance.. why only target mf. We never ask our tender coconut vender how much is your commission.. If any stocks in the index funds underperform consistently.. why should we take the beating by continuing.. many indian funds have beaten index funds consistently.. Free advice from a non sebi registered adviser is more dangerous..

[@saiteja7829]

The commission calculation is very misleading. You're clubbing exit load into the overall commission. Say the expense ratio is 0.88% and the exit load is 1%, total would be 0.88% as exit load only kicks in if you exit before stipulated time. So if the profits are 10%, the total commission would be 1.1*0.88=9.68. I do believe it's fear mongering.

[@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?

[@danlightened]

Basing investment in MFs based on past returns could be the worst thing. Because fund managers or people in general, are biased towards something or at least, prefer something. So, if you see at the markets, half the time, every cap might go up or down simultaneously but often when the large caps are growing, the small cap index is falling and visa versa. And then there's sector rotation. At any given time, except for when there's crazy exuberance in the market, 4-5 sectors are going up, 4-5 are going down, 4-5 are consolidating or something like that. Then after a few months or years, another 4-5 sectors are going up and you get the idea. So, if you invest in a fund that was overweight on small caps or few sectors which were outperforming since the last 3-4 years, there's a good chance that they will now underperform. Yes, there will be Active fund managers who can get out of their outperforming sectors when you might start to go down and get into sector which will be outperforming in the next few years, but timing the market that accurately is next to impossible.

[@terabaap378]

1- Jo log market track kar rahe he unko in and out ka pata hai simple salaried person ko kab nikalna hai kab buy karna hai nahi pata.. simple chej hai all time invested raho. I.e- retirement ke time corpus jo milta hai usme PF ka sub se bada portion isliye hota hai kyuki uthane ka option nahi hai ya kum hai. 8% annual return me bhi PF ka portion sub se jayada aata hai.

[@sumanshekhar7960]

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

[@tanujsharma478]

Yes please

[@Mbaaspirant2025]

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)

[@RDXRX718]

Thats not the way markets work dude. You need to understand that we cant time it. Only thing you have to do is keep investing. Thats only mantra