CA Suraj Deo
CA Suraj Deo
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Don’t Invest in 2025 before You Watch this | Stocks & Mutual Funds Myths | CA Suraj Deo
#personalfinance #investing #stockmarketforbeginners
In this video, I, Suraj Deo from Deo Talks discuss the common misconceptions about investing in stocks and mutual funds. Many believe that starting early or sticking to compounding strategies is the sure path to wealth. However, there are crucial situations when investing might not be the right choice. Whether you're a beginner or an established earner, this video discusses scenarios like high debt, lifestyle inflation, and insufficient emergency savings, and explains why focusing on income growth can sometimes be more beneficial. Join me as I break down these myths, helping you make more informed financial decisions.
Key Highlights:
- The Myth of Compounding & Real-Life Investing Challenges
- Importance of Increasing Income Before Investing
- Why High Expenses and Debt Can Undermine Investments
- Essential Role of an Emergency Fund
- And much more!
If you find these insights valuable, please like, subscribe, and join the Deo Talks community!
#investingmistakes #stockmarketbasics #mutualfundsindia #deotalks #personalfinancetips #FinanceAdviceIndia #CompoundingMyth
#emergencyfund
🤔 Have Questions or Comments? Drop them below, and let's engage in a thoughtful discussion!
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MY KEY LINKS:-
👨‍💻 LinkedIn - www.linkedin.com/in/casurajdeo
🎬 UA-cam - www.youtube.com/@CA_Surajdeo
WHO AM I:-
I’m Suraj Deo, a writer, a CA & CMA, who worked in Startup, and Big 4 firms (M&A, Deals Advisory, Due Diligence & Audit), and lives in Bangalore, India.
I love to write and talk about Finance, Startups, Health & Happiness.
Have a decade of experience & lifelong belief in Yoga.
If I can be of any help, consider subscribing to our community! See you in the next video.
Thanks for your time.
Let’s take care of this beautiful World. I will see you next.
And Smile…always Smile.😊
Переглядів: 807

Відео

Can You Claim HRA & Home Loan Benefits Together? Tax-Saving Tips for Salaried Individuals.
Переглядів 674Місяць тому
Can you claim HRA (House Rent Allowance) and Home Loan tax benefits together? In this video, I, Suraj Deo from Deo Talks will explain how salaried individuals in India can maximize tax savings by utilizing these two benefits effectively. Key Topics Covered: - Claiming HRA while owning a home: Rules for living in a different or the same city. - HRA and Home Loan tax benefits explained: What you ...
A Complete Guide on Why and How to Invest in Gold | CA Suraj Deo
Переглядів 1,1 тис.2 місяці тому
#goldinvestment #personalfinance #investing #deotalks #diwali Hello People, I’m Suraj Deo, and welcome back to Deo Talks! In this video, I’ll explain why gold should be part of your investment portfolio and discuss the best ways to invest in gold. Over the last 20 years, gold has delivered an average return of 11.2% and has been a reliable hedge against inflation and market downturns. Discover ...
When to SELL Your Shares or Stocks : Simple Stock Market Guide | CA Suraj Deo
Переглядів 5733 місяці тому
#personalfinance #investing #deotalks Hello People, I’m Suraj Deo, and welcome back to Deo Talks! When is the right time to sell your stocks? Selling your shares at the right time is crucial for maximizing returns and minimizing losses. In this video, I, Suraj Deo, will walk you through the key factors to consider when deciding to sell your stocks. From portfolio rebalancing to deteriorating fu...
Physical Gold, Gold ETFs or Sovereign Gold Bonds (SGBs) | Best way to Invest in Gold | CA Suraj Deo.
Переглядів 5234 місяці тому
Physical Gold, Gold ETFs or Sovereign Gold Bonds (SGBs) | Best way to Invest in Gold | CA Suraj Deo.
Investing in Mutual Funds? Don't make these mistakes | CA Suraj Deo
Переглядів 7085 місяців тому
Investing in Mutual Funds? Don't make these mistakes | CA Suraj Deo
Why You Should Invest in Gold: Your Ultimate Safety Net | CA Suraj Deo.
Переглядів 1,6 тис.6 місяців тому
Why You Should Invest in Gold: Your Ultimate Safety Net | CA Suraj Deo.
Indian Rupee vs. Global Currencies: performing really good (Except vs. USD) | CA Suraj Deo
Переглядів 3127 місяців тому
Indian Rupee vs. Global Currencies: performing really good (Except vs. USD) | CA Suraj Deo
FY 2024 Ended: How to Review Your Personal Finance and Why It's So Important | CA Suraj Deo.
Переглядів 2,6 тис.8 місяців тому
FY 2024 Ended: How to Review Your Personal Finance and Why It's So Important | CA Suraj Deo.
How Government Decisions Affect Your Wallet (Common Man) | CA Suraj Deo.
Переглядів 6539 місяців тому
How Government Decisions Affect Your Wallet (Common Man) | CA Suraj Deo.
NPS Guide: Tax benefits for both Salaried & Self Employed Individuals | CA Suraj Deo.
Переглядів 1,3 тис.10 місяців тому
NPS Guide: Tax benefits for both Salaried & Self Employed Individuals | CA Suraj Deo.
How to Claim both HRA and Home Loan Benefits, HRA with Parents & No HRA Options: Your Tax Guide
Переглядів 5 тис.10 місяців тому
How to Claim both HRA and Home Loan Benefits, HRA with Parents & No HRA Options: Your Tax Guide
Income Tax Guide 2024: Old vs New Tax Regime - Which is better option | CA Suraj Deo.
Переглядів 3,1 тис.11 місяців тому
Income Tax Guide 2024: Old vs New Tax Regime - Which is better option | CA Suraj Deo.
Avoid These Mistakes while Investing in an ELSS Fund | CA Suraj Deo
Переглядів 4 тис.Рік тому
Avoid These Mistakes while Investing in an ELSS Fund | CA Suraj Deo
How to Select the Best ELSS Funds in 2024 | CA Suraj Deo.
Переглядів 4,6 тис.Рік тому
How to Select the Best ELSS Funds in 2024 | CA Suraj Deo.
Why Startups Failed to Raise Money in 2023? | Macro View On Startup Funding
Переглядів 249Рік тому
Why Startups Failed to Raise Money in 2023? | Macro View On Startup Funding
A CA explains: An Invisible Tax - How Governments Use This Trick.
Переглядів 1,7 тис.Рік тому
A CA explains: An Invisible Tax - How Governments Use This Trick.
How Rising Interest Rates Impact VCs, Startups, and Funding | Funding Challenges
Переглядів 815Рік тому
How Rising Interest Rates Impact VCs, Startups, and Funding | Funding Challenges
How Rising Interest Rates Affect You, Me, and The Economy | Impact of Interest Rate Hikes on People
Переглядів 813Рік тому
How Rising Interest Rates Affect You, Me, and The Economy | Impact of Interest Rate Hikes on People
Importance of Risk Management in Investing as well as in Life #investing #stockmarket
Переглядів 843Рік тому
Importance of Risk Management in Investing as well as in Life #investing #stockmarket

КОМЕНТАРІ

  • @artipandey5909
    @artipandey5909 29 днів тому

    Well said Suraj👍

  • @sushmas698
    @sushmas698 29 днів тому

    Wealth creation is combination of activities 👍

  • @SreenivasKK
    @SreenivasKK Місяць тому

    Where can I open NPS account?

    • @CA_Surajdeo
      @CA_Surajdeo 29 днів тому

      Hi Sree, you can open NPS acc with any bank like SBI, ICICI etc.

  • @chitrasinha4209
    @chitrasinha4209 Місяць тому

    Good 👍

  • @sushmas698
    @sushmas698 Місяць тому

    I believe compounding really works if portfolio has some solid stocks for a longer time.. with rest it usually back to square one after 4-5 years of investment correction. The points you have mentioned are really helpful

    • @CA_Surajdeo
      @CA_Surajdeo Місяць тому

      Very true! Thanks for sharing

  • @akhileshakhil1925
    @akhileshakhil1925 Місяць тому

    Sir i need some advice for my future i have 5lacs what should i invest on?? Any suggestions

    • @CA_Surajdeo
      @CA_Surajdeo Місяць тому

      Hi Akhilesh, if you want a stress free yet great returns, and don’t need to redeem your money in the near 8-10 yrs then just buy nifty 50 index or etf plus do some US index investing in S&P500 or Nasdaq 100. No need to bother about individual stocks etc and no need to complicate ur investment

    • @Casubhi
      @Casubhi Місяць тому

      @@CA_Surajdeo which one to add along with nifty 50, Nasdaq 100 or S&P 500 index funds?

  • @Casubhi
    @Casubhi Місяць тому

    Nice one Suraj, so many practical suggestions jo har kisi k kaam aa sakta hi👍👍👍

  • @CA_Surajdeo
    @CA_Surajdeo Місяць тому

    Do you think compounding always works for every people ? Share your thoughts below!

    • @Rajan-cs6zg
      @Rajan-cs6zg Місяць тому

      Rightly put in the video, people think that it works effectively for everyone in all situations. but that's not the case in general.👍

  • @Sushma-f9f
    @Sushma-f9f Місяць тому

    Very helpful video.. i have always been confused between how HRA works with home loan 👍

  • @sushmas698
    @sushmas698 Місяць тому

    Thanks for clearing up the confusion around claiming HRA and home loan benefits together. This is going to save people so much on taxes.

    • @CA_Surajdeo
      @CA_Surajdeo Місяць тому

      Yes correct, thanks a lot.

  • @Sushma-f9f
    @Sushma-f9f Місяць тому

    Thank you for this summary video 👍

  • @artipandey5909
    @artipandey5909 Місяць тому

    Very nice video

  • @Rajan-cs6zg
    @Rajan-cs6zg Місяць тому

    A good series or rather a ight step, useful for most of us👍👍

  • @rajatbansal3416
    @rajatbansal3416 Місяць тому

    is there anything different for house under construction ? my situation is that my house is under construction and I am living on rent in a different city. Can I claim both HRA and home loan interest ?

    • @CA_Surajdeo
      @CA_Surajdeo Місяць тому

      Yes, you can claim both but for interest portion, there are certain rules, I am simplifying that below: - For a house under construction: a. Interest on Home Loan (Section 24(b)): Deduction up to ₹2,00,000 starts only after construction is completed. Pre-construction interest can be claimed in 5 equal parts from the year construction finishes. b. Principal Repayment (Section 80C): Deduction up to ₹1,50,000 is allowed only after construction is completed. So. Simply put, The tax deduction for principal repayment starts only after the construction is completed. However, for interest paid during the construction phase, you can claim it later (in 5 installments after construction completion). Thankyou.

  • @JyotiSharma-si9sv
    @JyotiSharma-si9sv Місяць тому

    Tax rules can be so tricky, but you’ve made them easy to follow.👌👌

  • @Saurya-yb5zt
    @Saurya-yb5zt Місяць тому

    Amazing breakdown of such a complex topic! Case studies made it super easy to understand.

  • @CA_Surajdeo
    @CA_Surajdeo Місяць тому

    This Video is just the first chapter! Part 2 will be out soon to answer more of your questions. Make sure you are subscribed.

  • @sushmas698
    @sushmas698 Місяць тому

    Good time to invest as the market has corrected enough 👍

    • @CA_Surajdeo
      @CA_Surajdeo Місяць тому

      Absolutely, and the easiest is to go for index or etf

  • @chidambardesai6095
    @chidambardesai6095 Місяць тому

    Upcoming Sevaran gold bond issue date Sir and some youtubers telling that sgb completely closed by govt plz make a video about sgb regarding sir

    • @CA_Surajdeo
      @CA_Surajdeo Місяць тому

      Hello Mr Desai, Final notification should be very soon on RBI site. See, SGBs are not backed by real gold, which makes them risky as they now make up 17% of India’s gold reserves. Gold prices have almost doubled since 2019, increasing the government’s costs for older SGBs sold at lower prices. On top of that, the fixed 2.5% yearly interest adds to the expense, making SGBs costlier. I think, to reduce these risks, the government is taking time to decide on future SGB issues.

  • @CA_Surajdeo
    @CA_Surajdeo 2 місяці тому

    Do check out the full video. 👉Link in the shorts description.

  • @gsuman1989able
    @gsuman1989able 2 місяці тому

    💯% Insightful

  • @JyotiSharma-si9sv
    @JyotiSharma-si9sv 2 місяці тому

    Very informative👌👌

  • @PoojaRani-m8e
    @PoojaRani-m8e 2 місяці тому

    Great information

  • @chitrasinha4209
    @chitrasinha4209 2 місяці тому

    Great information bhai👍

  • @MindfulMinds322
    @MindfulMinds322 2 місяці тому

    Great information about gold investment 👍

    • @CA_Surajdeo
      @CA_Surajdeo 2 місяці тому

      Thank you if that was helpful

  • @danny339
    @danny339 2 місяці тому

    Such a clear explanation sir ...

    • @CA_Surajdeo
      @CA_Surajdeo 2 місяці тому

      Thank you very much, will be glad if it can helpful🙏

  • @nikhiltawade3983
    @nikhiltawade3983 2 місяці тому

    Great information bro

    • @CA_Surajdeo
      @CA_Surajdeo 2 місяці тому

      Glad you think so! Thanks a lot.

  • @CA_Surajdeo
    @CA_Surajdeo 2 місяці тому

    Happy Diwali everyone! Remember, gold and equity serve different purposes in your portfolio. Don't compare them - instead, consider investing in both to balance your wealth and reduce risks! Which gold option are you choosing this festive season - Physical Gold, ETFs, or SGBs? Let me know in the comments! 🙌

    • @MrinalSeth-mv5xt
      @MrinalSeth-mv5xt 2 місяці тому

      It’s gold coin for me. The usual one which we have been buying in almost every Dhanteras for the last 4-5 yrs.

  • @sushmas698
    @sushmas698 2 місяці тому

    Loved how you broke down each point, especially about rotating sectors! The analogy 'new is the better gold' makes so much sense for today's market trends. 👍

    • @CA_Surajdeo
      @CA_Surajdeo 2 місяці тому

      Great to hear! that, thank you

  • @artipandey5909
    @artipandey5909 2 місяці тому

    I’ve been confused about when to sell my stocks, and this video clarified a lot of things! Great work, especially on the sector rotation and recognizing mistakes. Thanks

  • @MindfulMinds322
    @MindfulMinds322 2 місяці тому

    This is such an insightful guide on when to sell stocks! The examples you shared really hit home, especially the one about rebalancing the portfolio with TCS. Thanks for simplifying

  • @Casubhi
    @Casubhi 3 місяці тому

    Sir, #1 and #7 on rebalancing the investment and accepting a mistake on bad investment, are the most common yet most effective points which majority of people have ignored . Even I have some good investment, still lacks #7 . Thanks for sharing 👍👍

    • @CA_Surajdeo
      @CA_Surajdeo 3 місяці тому

      @@Casubhi thanks a lot for taking ur time and writing this.

  • @sanjaysinha6261
    @sanjaysinha6261 3 місяці тому

    All the examples you have provided r out Dated and well known to us। Don't be shy of providing, if I say momentum examples! Your presentation good but not enlighting

    • @CA_Surajdeo
      @CA_Surajdeo 3 місяці тому

      @@sanjaysinha6261 Sir, thank you for your time. Sanjay sir, Most videos on UA-cam are meant for the general public, and I understand that U must be a seasoned investor, as you're already familiar with these points. However, many people, incl my friends, despite excelling in their jobs or businesses, are still unaware of some basics, like the difference between regular and direct MFs etc, As for the points being 'outdated,' I believe the basics always hold value, as they are often overlooked in favor of expert opinions. Ignoring these fundamentals is where many go wrong. Hope I am making some sense here. Thanks 🙏

  • @Atuldjfjr
    @Atuldjfjr 3 місяці тому

    Why Contil India and Dhanalaxmi Roto Spinners Can Be Multibaggers: 1. Contil India: Scalable Export Business: Specializes in packaged food exports, tapping into the rising global demand for Indian products. Global Supply Chain Shifts: With disruptions in supply chains, Indian exporters are filling market gaps, providing growth opportunities. Valuation Upside: Market cap is less than 100 crores, leaving huge scope for growth. The company has already delivered over 5,000% returns till date. 2. Dhanalaxmi Roto Spinners: Yarn Industry Growth: With Bangladesh’s textile crisis, India’s yarn exports are seeing increased demand. Dhanalaxmi, as a yarn manufacturer, is positioned to capture this opportunity. Government Support: India’s focus on textile exports and modernization offers a strong tailwind for growth. Low-Cap Growth Potential: Market cap under 100 crores, offering huge room for appreciation. The stock has already given more than 16,000% returns. Both companies are well-positioned to benefit from global trends and market shifts, making them potential multibaggers in the coming years.

  • @Saurya-yb5zt
    @Saurya-yb5zt 3 місяці тому

    Deciding to sell is really tough most of the times 👍

    • @CA_Surajdeo
      @CA_Surajdeo 3 місяці тому

      Thank you, will come up with part 2 of this video.

  • @sushmas698
    @sushmas698 3 місяці тому

    Rightly said each Asset class has unique benefits.. Gold is forever beneficial 👍

  • @sushmas698
    @sushmas698 3 місяці тому

    Wow never heard of the methods name though heard about ways to manage the loans .. great video 👍

    • @CA_Surajdeo
      @CA_Surajdeo 3 місяці тому

      Yes these methods are mentioned in various books written on debt management.

  • @Rajan-cs6zg
    @Rajan-cs6zg 3 місяці тому

    Really helpfully, thanks for sharing sir.👍👍

  • @upendranainaru6514
    @upendranainaru6514 3 місяці тому

    Learned a lot 😍

    • @CA_Surajdeo
      @CA_Surajdeo 3 місяці тому

      Thankyou if that’s the case

  • @upendranainaru6514
    @upendranainaru6514 3 місяці тому

    Yes Sir.

  • @upendranainaru6514
    @upendranainaru6514 3 місяці тому

    Yes we cant depend only on stock market..

  • @artipandey5909
    @artipandey5909 3 місяці тому

    Bahut badhiya jankari dene ke liye dhanyawaad

    • @CA_Surajdeo
      @CA_Surajdeo 3 місяці тому

      @@artipandey5909 thank you

  • @sushmas698
    @sushmas698 4 місяці тому

    Rightly said financial review at least once a year is very important. We get to know a lot of unnecessary expenses and subscriptions piling up which are actually not required.

    • @CA_Surajdeo
      @CA_Surajdeo 4 місяці тому

      Yes correct, those savings will not add up to huge gains but the habit and awareness will help in other things

  • @Saurya-yb5zt
    @Saurya-yb5zt 4 місяці тому

    Really true: personal finance is personal and no one size or one tips fits all 👍👍👍👍