Volatile Markets? What am I Doing to Protect My Portfolio (Without Losing Returns)

[@zion.2410]

Shankar Nath is replying to all comments sums up on how humble he is.

[@shankarnath]

Nothing to do with humility :) .. a respectful & genuinely asked question always deserves a reply.

[@Srinath_Srinivasan]

This is how I see it: Nifty is far more attractive now than when it was at 26k. This is not the time for putting bank FDs. Wars will come and go. In the long term nifty is going to make new highs. Stay invested and keep buying every dip :). Hope all of you become rich and stay rich (Including me)

[@Abhyuday-up4cm]

Not EVERY DIP is suitable for everyone there are exceptions

[@shankarnath]

It's a good premise you've raised but notice, it's very one-dimensional. Some perspectives -- 1. The decision tree I mentioned earlier still applies. What's the probability and impact of gains versus the probability & impact of losses from this stage? Investors who invest emotionally (a majority) will find it difficult to gauge this way -- but I do & although it's simple math, it's pretty effective. Give it a shot -- ask yourself: at Nifty of 24k, what are the chances it can go down to 22,000 or go up to 27,000 from here. If the answer is 20% down and 80% up -- then boy, are we in trouble .. because this comes to a pre-tax return of 8.3% -- below what many of the FDs are offering over the next 1 year The idea here is not to push my angle. I don't have any -- other than improving one's decision making ability and to look beyond emotion 2. The second point is related to the word you used "cheaper". It's a one-dimensional word and I'm sure this means "drop in Nifty value". The problem is the value of the Nifty is a function of earnings. OK, I stand corrected -- "expected earnings" and if you've been keeping stock (no pun intended), many companies have downgraded their earnings. I read/listen to dozens of earnings calls and it's after 6-7 quarters that I'm noticing companies revising their guidance downwards. Things have really changed in the last 3-4 months so do factor that in with the "cheapness" bit. It's like the baker is giving you pastries at a good discount but his product is a bit stale Again, not putting anything here. My viewers/readers are big boys and big girls -- pls figure out these things for yourself 3. The orientation of a person matters. I myself belong to the league of too-gentle-a-men who didn't invest lock, stock & barrel when the markets fell by 52% in 2008. Why? Lots of reasons -- a) we didn't know the trough (7.8% or 15% or 30% or 40% or even more), b) lack of capital, c) loss of confidence etc. In this context, some of us are conservative, some aggressive, some right, some wrong -- it's how investing works -- there is no generalized rule there. At the end of the day, one should be comfortable with his/her decisions. For instance & I said that in the video also, I don't put in lumpsum money in equities. Stupid? Maybe .. but I'm more comfortable with an SIP/STP approach. It fits my balanced character and because of my long-term orientation, this works for me. But others might have other thoughts -- they need the money in 2 years or they can't bear even the slightest loss of capital etc. My point is -- never generalize for others. They aren't you & you aren't them --- This came out too long. Feel free to ignore

[@kakashisenpai99]

​@@shankarnath Why ignore?? It's full of learnings sir

[@nabeelyahiya]

⁠full attention sir No ignoring

[@mrshetty2019]

The GDP numbers are not great.. FII selling justify

[@deepankarpant4048]

I recently came across your channel, undoubtedly you post quality content with deep insights. Your channel is bound to grow just like undervalued stock with strong financials. Hope to see the same quality & values ahead

[@shankarnath]

Welcome aboard! Thank you very much for the endorsement & appreciation. I think this was accidental but did you notice -- there were three phrases in your comment : 1. The first one was super-appreciative 2. The second one was also super-appreciative 3. But the third line which started with a non-chalant phrase like "hope to see" came out very differently. It had a bit of expectation baked into it .. like the parent who is happy when the child get's 98 on 100 in the maths paper but will never forget to add "I hope you continue this way, don't get over-confident" Yup, words are very powerful!

[@deepankarpant4048]

@@shankarnath Very observent of you and intriguing as I'm 23. Smelling some great learnings of life and markets ahead. ❤️

[@shankarnath]

@deepankarpant4048 Good luck! I learnt it the hard way but now -- if I want to appreciate someone, I only appreciate. Not a single word should indicate something else.

[@rb8607]

Hi.. sir you forgot to tell one thing To pay back loans in lumsum whenever the money meant to buy stocks getting accumulated in due to market situation like overvaluation or excessive volatility and uncertainty.. During these period 1) continue sip in mf 2) buy stocks as per allocation percent whenever portfolio stocks falls to good valuations 3) remaining accumulated money from old whenever i get new salary will be done lumsum to home loan.. obviously its interest is equivalent to fds and govt saving schemes.. 4) i am able to do it comfortably as i have parked my 1 year expenses in liquid debt instruments.

[@ankit22bansal22]

Sir according to DICGC 5 lakh rs money guaranteed per depositor, u said per bank as well..does it mean having 5 lakh in 5 different banks..total 25 lakh rs are guaranteed as each bank would guarantee 5 lakh? Asking about the single person having 5 accounts..

[@shivrampadmanabhan5054]

Yes it is protected in 5 different banks with 5L max in each.

[@shankarnath]

Yes. The DICGC insurance applied on principal & interest of upto 5 lakhs -- per bank. Pls refer to point 8 -- www.dicgc.org.in/fd_a-guidetodepositinsurance.html

[@ravib4u2003]

@@shivrampadmanabhan5054 it is including the interest that you earned not just the principal. So 5 Lakhs should be considered after calculating the interest that it will generate.

[@the.mirrorboy]

Sir, without any doubt you are the financial advisor to every common man like me. Your suggestions are that much valued to people like me. Continue to do this kind of videos. Today every youtube advisors are attracting peoples to their paid group/ communities. Where you are providing a concrete path to us to change our financial plans so on. Keep going boss❤

[@Raviteja_0502]

As always,very informative and very nice explanation . Thanks for the knowledge

[@shankarnath]

My pleasure. So nice of you! 🙌

[@dsaha7700]

Very Good Prospective provided to manage various debt investing process.. many thanks Shankar Ji...

[@shankarnath]

Always welcome! So nice of you 🙌

[@manikanthkommoju3176]

Sir Instead of investing in debt instrument. Can I allocate 30% in PPF, SSY & 70% in equity MF. because debt funds more or less give the same kind of returns what govt schemes are offering? (Not considering liquidity in my case)

[@shankarnath]

Please allocate in whatever manner that comforts you, Mr. Manikanth. The instrument doesn't matter as much. Wishing you the best!

[@abhisheksingh-xp7fj]

Video was excellent Point taken .concept of fd And bond wad good in volatile Market Conclusion . Keep investing

[@imankalyanmaity]

when market is volatile i do invest in the safest index, nifty50. did the same in 2022 again doing this time now, also adding low pe good business like hdfc, kotak, dr reddy etc. (never trusted or invested in govt companies other than banks)

[@harshithkamarapu9618]

@shankarnath you are literally giving liquid gold content on your videos. Very helpful

[@shankarnath]

Thank you so much, Harshith ji 🙌

[@lakshminarasimhanpb506]

Good one Shankar ji 😊

[@shankarnath]

Thank you!

[@dr.govindagrawal7351]

I am following you since you started shankara,i think the best straight forward way of investment is get allocation as per your conviction in debt, equity (small midcap),gold.its rollar coster ride,you can shift allocation as per your mood market conditions and your financial condition and needs

[@shankarnath]

Thanks for the support over the years. Absolutely, please do what feels most comfortable to you. I'll do it a bit different, so will every other person -- that's why we call it "personal" finance

[@renoll]

One thing about Equity savings fund is that they invest in their own funds, like Arbitrage and debt fund of their own AMC. Which seems odd. ICICI & Kotak does this. But it's still my favourite opportunity fund category. 🙌

[@shankarnath]

I don't think ICICI and Kotak equity savings funds are FOF. Can you share the links if that's the case?

[@AmanSharma13494]

Markets have been volatile since the beginning of the year and my friend will remain the same in 2025…god knows when markets will learn to calm down

[@skumaran1275]

Hi Shankarnath ji , Could you come up with 1 lot of nift bees with covered call ?? Payoff and risks may be analysed by your fine research

[@shankarnath]

Thanks for the suggestion. Yes, that can be done .. but I'm not sure many people will like to watch it as it's a slightly niche topic. I'll anyways add it to the content queue

[@Yegnesh_KSA]

Very informative and precise video explained in detail. Many thanks 🙏

[@shankarnath]

My pleasure. Thank you so much for liking. Yes, not everything is golden but hopefully you found 1-2 useful things to process, experiment and apply

[@VGAKarnataka]

Shankar nath sir, you made a Lagaan team of Index funds,after you made that video, many smart beta indexes were introduced. Now make an attempt to reconsider the previous ones with 11 indexes... Personally I have choosen NIFTY NEXT 50 NIFTY MIDCAP 150 INDEX NIFTY 500 MONENTUM 50 NIFTY MIDSMALL 400 MQ 100 Nifty 500 Multicap MQ 50 Nifty Midcap 150 Momentum 50 Nifty Alpha Low Vol Index Nifty Smallcap 250 Quality 50

[@sandipkumar-k2o8f]

You too opened my mind.sir, pls share your allocation percentage for it too.

[@shankarnath]

Thanks for the suggestion

[@gauravvvvv]

Pls check these nos sir Very poor *Sector-Wise Growth (YoY vs QoQ)* - Manufacturing: 2.2% vs 14.3% (YoY) 2.2% vs 7% (QoQ) - Electricity: 3.3% vs 10.5% (YoY) 3.3% vs 10.4% (QoQ) - Construction: 7.7% vs 13.6% (YoY) 7.7% vs 10.5% (QoQ) - Trade, Hotels: 6% vs 4.5% (YoY) 6% vs 5.7% (QoQ) - Finance & Real Estate: 6.7% vs 6.2% (YoY) 6.7% vs 7.1% (QoQ) - Public Administration & Services: 9.2% vs 7.7% (YoY) 9.2% vs 9.5% (QoQ) *Industry-Wise Performance* - Industries Growth: 3.6% vs 13.6% (YoY) 3.6% vs 8.3% (QoQ) - Services Growth: 7.1% vs 6% (YoY) 7.1% vs 7.2% (QoQ) *Consumption and Investments* - Private Final Consumption: 6% vs 2.6% (YoY) 6% vs 7.4% (QoQ) - Government Final Consumption: 4.4% vs 14% (YoY) 4.4% vs -0.2% (QoQ) - Gross Fixed Capital Formation: 5.4% vs 11.6% (YoY) 5.4% vs 7.5% (QoQ) *Trade and Exports* Exports Growth: 2.8% vs 5% (YoY) 2.8% vs 8.7% (QoQ)

[@shankarnath]

You're right, there is weakness in the market. I'm seeing everyday when I go through the earnings report. There are still promising companies which I'll cover in my newsletter but the % of peppiness/enthusiasm within the management has fallen

[@gauravvvvv]

@shankarnath 💯💯

[@balasubramanian-dk2my]

Sir no doubt now is a great time to invest in FDs and debt instruments but unfortunately they are not tax friendly ,FDs are taxed on accrual basis , Debt funds indexation benefit is lifted , we have no option but to go for equity savings fund or balance advantage fund or multi asset fund holding them for more than 1 year we get Long term capital gain benefit which has exception till 1.5 lakhs per financial year .... Sad to see this is fall of debt funds big time

[@shankarnath]

Yes, you're right. The post-tax return on fixed income instruments barely escapes inflations (mostly not). The options in this video should be treated as a temporary parking space for your funds if one finds the current situation a little too hot to handle.

[@Ajinkya1977]

As usual, very helpful and informative. Thanks.

[@shankarnath]

Most welcome Ajinkya ji 🙌

[@bhattrkb]

Nice video dear.

[@shankarnath]

Thank you

[@baskark2601]

Thank you Shankar Nath 🎉

[@shankarnath]

Most welcome! 🙌

[@ishaanrawal9327]

Hello Shankar, I absolutely love your videos, I've gained immense value from them! Thanks a lot :) . I am in a dilemma and would really appreciate your opinion on it. I recently started my first job and have been investing in the Indian Equity market. I am bullish on India, and have been investing in Mutual funds, index(MidCap, SmallCap, MidCap Opportunities, LargeMidCap) and sectoral(Natural resources and New Energy, India Manufacturing, Banking and Financial Services, India Infrastructure, Healthcare, Technology). I do not see a need to withdraw the funds anytime in the close future. The questions I have are, 1. Is the allocation spread too widely? Should it be a smaller lot for better returns? 2. I am yet to start investing in stocks properly. With long term gains in sight, would it be better if I only focus on the mutual funds? Thanks a lot!

[@shankarnath]

Hello - glad you like my work 1. You'll have to work with a financial advisor on the same. If DIY, please use apps/platforms like Tickertape, Valueresearchonline etc. to figure this out. I think you don't need the pro plan on Tickertape to check your allocation & it's automated - so try that out 2. Mutual funds are a bunch of stocks. Other than that, everything is based on your skill level. If you don't know stock-picking, then focus on funds like MFs, smallcases, PMS etc. If you can identify good stocks & have the time to track them, then you can do direct stocks. Most people will do a mix of both but the underlying factor is your level of knowledge & hardwork

[@deepakguled809]

I feel Parag Parikh conservative hybrid fund is fund it’s also 11% annualised returns and safe compared to pure equity or pure debt only funds This fund has 78% in debt and remaining in equities

[@shankarnath]

Unfortunately debt taxation applies here. Also, the 11% returns one sees now is difficult to sustain. Pls evaluate basis these two

[@chanduprajan5436]

Very balanced view and very good advice❤❤❤

[@shankarnath]

Glad you think so! Thank you 🙌

[@funlearn007]

Hi sir let say market correct by a good 15-20% more in 6-8 months and then we have signs of earning revival, does you consider using MTF facility provided by brokers for leveraging the situation.

[@shankarnath]

Hi. I've never tried margin trading so I really can't answer this from experience. Sorry!

[@indiautube4915]

But since equities have become cheap (or will become even cheaper with further fall) isnt it the right time to invest more in equity or rebalance from debt to equity

[@somendrasarkar1653]

You should invest in FD when market reaches all time high. Currently with Nifty down 5% I would continue to invest in equity.

[@shankarnath]

The word "cheaper" can be deceiving. Here's a viewpoint -- I'm sure you're referring to the 7.8% decline in Nifty from it's all-time high. In reality, the decline does us nothing -- and the truth is: the value of the Nifty is a function of earnings. Infact, it's a function of "expected earnings" and if you've been keeping track, many companies have downgraded their earnings in the latest earnings calls. I say so because after going through dozens of earnings calls and seen 5-7 quarters of consistent upbeat earnings and sentiments by the management, I'm noticing companies aren't all that peppy and are revising their guidance downards. I'm not scaring you on this and I continue to be a bottom-up stock picker with a long-term orientation -- but please watch out with what's happening at a deeper layer if you haven't been that far

[@soloncomputersolutions8059]

thanks sir, for great informative video

[@shankarnath]

Most welcome. Glad you liked it!

[@shivajisingh100]

Hello Sir, always good to get your perspective. I have 1 question, apart from FD abd debt funds, whats your view on gold and silver for next 12 months? Should that not be part of portfolio? If so how much you have?

[@shankarnath]

Hello Shivaji. 1. I don't present any views in my video, I only conduct research and leave it to you to use the information presented & assess in consultaion to your own research 2. Personally, I keep some gold & silver in my portfolio 3. I have around 3% right now. I want to increase this to 5% over time

[@shashidharreddy2959]

When EBBETFs are giving 8 to 10 % XIRR, do we really need to go to FD, which we have to break when nifty really falls and loose all the high interest?

[@shankarnath]

Please review the section on FDs and bonds in this video. That will help you understand this part better. In brief - FD returns are fixed, bond returns are not. The 8-10% XIRR you've quoted (called bond yields) varies and if the repo rate goes up unexpectedly, then the yields will drop to 7% or lower overnight. So, there are pros and cons -- if keen on knowing more, pls research over the Internet

[@aloksharma3712]

Shankar sir, I follow you on all your vedios and your newsletter. Don't get me wrong what I wanted to ask was are you also following this approach for your portfolio and if so how much %. Or is this generally given as it just looked out of context in today's scenario.

[@shankarnath]

Thanks for your vote of confidence. Since you've been following me for sometime, you already know that I don't share my portfolio as that's not the objective of this channel. Therefore -- pls assume I follow none of what I say in my videos. This works fine with me because this way I don't have to reveal my portfolio.

[@sumanpaulchowdhury8333]

Which one is better according to you for in terms of safety? Dynamic asset allocation funds or equity savings fund?

[@shankarnath]

Equity savings fund is less volatile when compared to DAAF

[@t063-shubhambhatt3]

Shankar sir, please make seperate video about ppfas dynamic asset fund .

[@shankarnath]

Thanks for the suggestion

[@gopikrishnan102]

Can you make video on sebi new asset class that having min 10L ticket size.

[@shankarnath]

Thanks for the suggestion. Let me see if I can get enough material on it

[@gowtham615]

Respected sir, Why don't you start a Small case ? Pl think about it.

[@shankarnath]

Thanks for the suggestion

[@shanmukhananda]

Hi Sir, can you please your views on minimum variance fund

[@shankarnath]

Hi, I haven't analysed it yet. You can review it for yourself here -- www.icicidirect.com/mailimages/ICICI_Prudential_Equity_Minimum_Variance_Fund_PPT.pdf

[@vigneshraghuraman8045]

Whats your view on wealth management stocks ?

[@shankarnath]

Haven't analysed those. Sorry!

[@simply-vik2]

Shouldn't it be 12 minus (-4) = 16% ? @Shankar Nath

[@shankarnath]

I used basic math i.e. 60% chance of gaining 20% + 40% chance of losing 10% .. (60% * 20%) + (40% * -10%) = 12-4 = 8%

[@kevalkumar9694]

USEFUL

[@shankarnath]

Thanks

[@DPratikRPatil]

Hello Sir, I just want to ask is it ok to invest in 52 weeks low stocks as consumption is less asian paints and d mart is at discount is it good decision to invest now. Im not taking investment advice but need overall thought behind this.

[@ojas.rastogi]

Sharing some info. Stock is not at discount if it's at 52 week low. It is at discount when PE is low. Value is a function of earnings. Recent data from companies and gdp data released today suggests a consumption slowdown, unlike what was seen in past 6-8 quarters. This means while prices are down, or are sales. It could possibly mean that PE is higher than before, therefore not justifying the discounted price proposition.

[@shankarnath]

Hello Pratik ji -- I don't adhere to any strategy which accepts only price as a determining variable. A company reaches a 52-week low for a reason and understandably, it's not the right reasons. You are better served to not use a 52-week low as your investing criteria .. at best, wait for a turnaround to happen. This will require you to read up earnings reports and assess the industry dynamics. The example you took -- Asian Paints -- the price has come down by 30% but please note, the company has also given 3 quarters of negative growth. It's like you coming to my pastry shop and I offer you a cheesecake at a 30% discount and not telling you that the dish is stale. Hope this helps.

[@karanmalpani4149]

The GOAT , love your newsletter

[@shankarnath]

Glad you like my work 🙌

[@saikiran37]

Hello Sir, Thank you for the great video and insights. Could you suggest some good books or materials on learning to read charts?

[@shankarnath]

Most welcome. Sorry, I'm not into charts/technical analysis .. I won't know of any books on the subject.

[@malayananda2484]

Arbitrage fund is the best, as taxation is less

[@vchandm23]

Nope it depends TATA DVR vs TATA MOTORS was horrible bloodbath arbitrage

[@duvvapranay4668]

Didn't get you, arbitrage fund includes many holdings ryt? How it is not safer, can you explain

[@cooltrader9904]

is algo trading can make money intial investment of 42000 pa and after 2nd year 30000 p.a pleaese reply

[@shankarnath]

I don't know. Sorry!

[@dineshkomakula3001]

Shankar sir can i invest in arbitrage fund for 6months to create emergency fund

[@shankarnath]

Yes, many people keep their emergency fund in arbitrage instruments

[@arunkumarthiyagarajan9816]

Sir please do one video for best nifty 100 smart beta index mutual funds ( within nifty 100)

[@shankarnath]

Thanks for the suggestion

[@arunkumarthiyagarajan9816]

@shankarnath thank you very much sir

[@swaroop4170]

Make videos on Term insurance and Health insurance policies

[@shankarnath]

There are already videos on health and term insurance..pls have a look on my channel

[@AkshayChaudhari5]

Wait for your videos are worth ;). Amazing insights .

[@shankarnath]

Thank you very much 🙌

[@adityanakadi1861]

Invest when others are fearful 🔥

[@nfuel99]

Im buying gold to hedge from uncertainty.

[@atravelerfouji2574]

Sir please do analysis of Manorama industry,, please use this company for your news letter,, as you study garware fiber ,, Manorama industry has same possibility to improve margin, next 3 quter result will come very good because of low base, please analysis

[@shankarnath]

Hello. We had seen Manorama Industries recently. Excellent Q2 but had found it a bit expensive to our liking (EV-EBITDA of 58; one of the highest amongst food processing cos.) You're right though. FY25 is expected to come out good, thanks to the +25,000 MTPA capacity the company built last year. Another positive for the company is the price of CBE which is expected to stay a bit high for another 1-1.5 years. I'll take a look at it again & if relevant, will find a place for it in my newsletter

[@atravelerfouji2574]

@shankarnath thank you so much sir🙏

[@BeNOone902]

Gratitude❤

[@shankarnath]

Thanks!

[@praveennair335]

Thanku Shankar ji for coming up with video on guidance on this uncertain and volatile market,👍

[@shankarnath]

Most welcome Praveen ji 🙌

[@vishalsagar...]

It's looks like good time to invest in gilt fund

[@shankarnath]

Pls watch the longer video first before making up your mind -- this one: kzbin.info/www/bejne/pme6m4Khnadkmrs

[@Sumitrims]

Awesome

[@shankarnath]

Thanks!

[@sandipkumar-k2o8f]

Thanks

[@shankarnath]

Thank you Sandip ji for this kind gratuity and for your appreciation. I'm happy you like my work 🙌

[@mankoooo1]

Great

[@shankarnath]

Thank you

[@SahilSharma-uo9bs]

Hi Shankar ji, thanks for this. Definitely going to explore debt oriented MFs more. A couple of questions following today’s GDP growth rate data announcement. I would think this would accelerate the rate cuts, given how low the growth rate data came out to be. What is your view on that? And if you agree (the extent might vary), would you look at building equity positions in some specific sectors now or still wait a quarter or more? Finally, if the answers to all the above are yes, what sectors would you look at - AMCs, insurance, housing loan, consumer spending etc?

[@shankarnath]

Most welcome. Yes, always good to have fixed income securities in one's portfolio -- it offers good stability 1. A lower growth rate should prompt the RBI to act and reduce interest rates. I must say -- I stopped predicting macroeconomic scenarios many years back, it only creates confusion & most experts get it wrong 2. I'm sector agnostic at all times, I do bottom-up stock picking so not really looking at specific sectors.

[@nikhiljoshi9458]

Why gold is not included ?

[@shankarnath]

Gold is a lot rougher than the other instruments. Downside can go as high as -13% -- and this video is on safe options. Minus 13% is not safe!

[@praveenv5980]

Shankar sir pls do a video on options available on startup investments and risks involved.

[@shankarnath]

Thanks for the suggestion. I'll try

[@awaise92]

Shankar sir, I do SIPs in Nifty index. Do you think I should reduce my allocation in Nifty index and move to Debt instruments as advised in this video? Or should I move my existing Nifty portfolio itself to less volatile instruments?

[@shankarnath]

Hello. Apologies, I can't advice/suggest you anything, that part is best done by a financial advisor who can study & work with you. Personally, I don't stop my SIPs because of volatility. This video is more applicable to how to manage lumpsum investments at such a moment. If a person is uncomfortable with this volatility/uncertainty then there are safer options as highlighted here

[@awaise92]

@shankarnath Thank you so much for your response sir.. Appreciate it!

[@mannirox31]

Should we focus on contra or value funds now

[@shankarnath]

Kindly consult a financial advisor on detailed analysis of specific schemes and strategies

[@dhananjaymalhotra7854]

Hi Sir. My question is regarding the taxation on fd interest income. My mother is a housewife and her only income is fd interest income. If I opt for the new tax regime for her, will she have to pay any tax on her income (which will be less than 7 lakh rupees)?

[@shankarnath]

Hi. Sorry, taxation is not my strong suit. I wanted to insert taxation rules in this video but with so many changes happening, I left it aside. It's better to consult a tax advisor, apologies!

[@akashchoudhary9657]

No!! Make sure to file ITR to get a refund though

[@oldman713]

i have been investing in mutual funds for the past 1.5 years but it was today i learned about equity savings fund. thanks a lot Sir as always very informative content

[@shankarnath]

Thank you 🙌 I'm happy you found this useful. I use equity savings fund for my STPs all the time

[@aloksharma3712]

Thanks sir. But I found a little contradiction with your previous vedios specially momentum play. Would you suggest investment in them at market dips. Your this vedio is on the premise that next 2-3 years is a bearish phase. I think if you look at macros it's more a correction in a bull phase. Happy to know your views

[@shankarnath]

Hello Alok ji -- it's difficult for me to answer this question. It seems you have taken bits and pieces of information and stitched together a static profile of me. I'm afraid a lot of it has been taken out-of-context. I'll sit this one out.

[@ronykarmakar3713]

Sir are u Bengali because ur surname nath

[@shankarnath]

No, I'm a South Indian

[@தனஞ்சயன்]

100th like🎉

[@shankarnath]

Thank you 🙌

[@kamleshkumar-yy2rw]

Basically, you're trying to teach us portfolio diversification across the instrumenta . And it totally depends upon investor psychology. As far I understand long term investors shouldn't worry too much about the market volatility.

[@amanamritam9175]

Sir You are telling to invest in safe heaven for sometime due to overheated market but how much one should invest is not being told as it is foolishness to sold equities to move money to stable asset but one can always invest fresh money in safe asset

[@shankarnath]

Since the situation for each individual differs, please work with a financial advisor on a specific strategy/blueprint

[@9894589854]

We sold off a property recently, sale happened right when correction started and I thought i was lucky and was actually hoping for a situation like this. However, I am finding it extremely difficult to invest lumpsum in these times. Committed myself to do 5-7L a week over the next 4 months across 6 MFs (comfortable with selection) irrespective of what happens to the markets. I am in for long term. If you were in my shoes, would you be doing what i am doing? If not, What will you be doing differently? I know there's no right or wring answer, but need your thoughts. 🙏

[@shankarnath]

I'll do what I generally do -- also explained in the video. 1. Invest the lumpsum amount in 5 different equity savings or arbitrage funds that aligns with my portfolio construct. Say 10 lakhs * 5 2. I'll then setup an STP each of that 10 lakhs wherein 50k moves away from that ESF/arbitrage fund each month into a pure-equity fund over 24 months. So in the next 2 years, the entire 50 lakhs would have gotten invested into equities. So unlike your plan of 4 months, I would have done it over 24 months. Nothing wrong with your approach, nothing wrong with mine. It's just a comfort factor. Hope this helps.

[@9894589854]

@shankarnath thank you sir, I will deliberate over it.

[@SarcasticAssertive]

Pls try to reduce your videos time to half of current long time….

[@shankarnath]

Kindly watch my videos at 2x speed, that'll cut it down to half

[@vijaysharma6677]

​@@shankarnath Witty, sharp reply

[@aksket2000]

What do you think on Wint Wealth?

[@shankarnath]

Sorry, I've never tried out the Wintwealth platform

[@madanjhawar1389]

It should be 12 - (-4) = 16% of difference instead of 8%

[@shankarnath]

Can you help me understand how this comes to 16%? I used basic math i.e. 60% chance of gaining 20% + 40% chance of losing 10% .. (60% * 20%) + (40% * -10%) = 12-4 = 8%

[@madanjhawar1389]

@@shankarnath You are right that the expected return is 8%. I read it as the difference in the two scenarios which is 16%. P.S.: Recently came across your videos and totally fell in love.

[@ha123461]

What u have done here is quick maths. It's fast, but it's not accurate.

[@shankarnath]

@@ha123461 Can you highlight the inaccuracies? Keen to learn

[@shankarnath]

@@madanjhawar1389 No worries, glad it got sorted. Thank you, I'm happy you like my work.

[@Amitgddn]

Equity mf like parag parikh already keeping cash , every sip gets cash allocation

[@aryankamath4409]

you always bring a new perspective. thank you for putting in so much effort 🫡

[@shankarnath]

I appreciate that! Thank you!

[@aswathsukumaran1251]

Key Takeaways from the Video: Volatile Markets? What Am I Doing to Protect My Portfolio (Without Losing Returns) • Market Overview: • Recent months marked by uncertainty due to global conflicts, economic slowdowns, high valuations, and declining equity markets (India down 9-10%). • Mutual funds are holding significant cash reserves (₹3.7 lakh crores) due to uncertainty. • Mathematical Decision Framework: • Projected scenarios for Nifty: 60% chance of a 20% rise and 40% chance of a 10% drop. • Net potential gain: 8%, comparable to fixed deposit (FD) returns, highlighting the need for safer strategies. • Safer Investment Options: 1. Fixed Deposits (FDs): • Safe, liquid, and high returns (up to 9.5% with certain banks). • Taxable at the depositor’s slab rate but ideal for short-term investments. 2. Bonds: • Government bonds (G-Secs, treasury bills) and PSUs provide safety with 7-8% returns. • Longer durations are more sensitive to interest rate changes but may also offer capital appreciation. 3. Debt Mutual Funds and ETFs: • Invest in fixed-income securities for capital preservation. • Offer better-than-inflation returns and suit diverse investment horizons. • Arbitrage Funds: • Exploit price differences between cash and futures markets, offering 5-8% returns. • Treated as equity for tax purposes, ideal for short-term parking (3-9 months). • Equity Savings Funds: • Combine equity, debt, and arbitrage to balance risks and generate moderate returns (up to 15%). • Suitable for incremental deployment in uncertain markets. • Equity Strategies During Volatility: • Focus on non-cyclicals (FMCG, pharma, utilities), blue-chip stocks, or dividend-paying companies. • Look for near-term high-revenue-growth stocks to leverage earnings momentum. • Practical Portfolio Recommendations: • Combine FDs, bonds, and debt funds for stability. • Use systematic transfer plans (STPs) to gradually move into equity from safer instruments. • Final Advice: • Keep investing simple, stress-free, and grounded in reliable instruments. • Utilize tools like Stable Money for competitive FD options.