Is DIY Investing Complicating Your Investments? | Case Study by Parimal Ade
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- Опубліковано 17 січ 2025
- #DIYInvesting #InvestmentStrategies #ParimalAde #FinancialEducation #InvestSmart #WealthBuilding #StockMarket #InvestmentTips #CaseStudy #financialliteracy
In this eye-opening video, Parimal Ade analyzes the complexities of DIY investing and how it might be affecting your portfolio performance. Many investors believe that managing their own investments is straightforward. However, without proper knowledge and strategy, DIY investing can lead to unnecessary complications and missed opportunities.
In this case study, we’ll explore real-life examples that reveal common pitfalls experienced by DIY investors. Learn how to simplify your investment approach, recognize the signs of overcomplication, and make more informed decisions to maximize your returns.
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Direct > Regular
The dude's mistake was to hyperdiversify. He would end up with index returns.
The benefit of switching to direct isn't realized till about 6 years due to taxes paid. Parimal ji should have mentioned it. Analyzing at 2 years is going to yield less as expected. So decision was not wrong.
My dad uses a MFD. His portfolio has 44 funds. Many thematic and sectoral. My BP increases when I see it. He still doesn't want to change to direct. Thanks to sweet talk of MFD. Can't help boomer parents. All young people can learn from those mistakes and do DIY investing with 5 MFs
1. Flexicap
2. Large cap index
3..small /mid cap
4..Balanced advantage
5. Gold etf
yeah personally i would stick to 1, 3 and 5 and would add n50 and nn50
I have only 2 funds
Nifty 50 index direct
Ppfas flexi cap direct
Most sensible choice....😊
Both r Large cap.....10-11% return in 15+ years 😢😢😢😢😢😢
@@RaviKumar-oc8sw PPFAS is Flexi. Has US allocation as well.
Maximum 12% cagr returns in the next 20 years. Unless you have mid and small caps 40-50% in your portfolio it's not possible to cross 15%.
@@GajananEkadant 75% Giants&Large company me Paisa hai..due to heavy AUM
Same case here-
1. There was no value addition by my agent.
2. No switchinng was suggested for poor performing funds (3 for 3 years)
3. Diversification was poor.
4. 2 were repetative.
5. Waiting for lock_in Period end for 2.
*What I did?* -
1. Opted for *direct* instead of regular.
2. I needed money during transit Period for education goal of child.
3. Selected 3 new, diversified funds (2, those whose companies good but did not perform well in last 1 year, avoided small & mid-cap, recently)
3. Holding cash, waiting for moderately appropriate valuations for mid & small caps. Will start 2 new afterwards. (till then creating position in silver & gold ETFs)
4. Trying bulk inputs at appropriate falls, (looking at companies's technicals, funds presently invests in)
5. In short, trying to get more out of my small investments 😅
People in India are not used to financial advisor.
Happy new year sir , thank you speaking reality
Thank you 👍🏻
Every video of yours is a slap on our face to bring us back from sleeping slumber. Thanks
When I first started I had so many MFs and slowly over period of time with knowledge from Parimal ji and others I got down to less than 10 and still optimizing for better returns
Excellent video
Thank you parimal Sir
1.) Why choose only 5 to 7 funds ?
What if i consider funds as one company and consider it as an X % of return generator ?
Is it not everyone should focus on overall return on investment than complicating by how many funds we have ?
2.) Most active funds can not beat smart beta index funds, and they dont have any comments why someone should not go ahead with smart beta index ( good supporting data from USA and India).
3.) As MF advisor do not provide logical reason for choosing active regular funds over index / smart beta index, it reduces trust and have to change.
The reason to not choose funds like company is simple. One fund invests in 10 different companies and if you have multiple funds you are indirectly investing in the same company through multiple funds which does not make much sense
Bhai logo please don't marking mutual fund confusion
Only five direct funds enough
1. Small cap
2.. mid cap fund
3. Large cap
4. Flexi cap
5. Index fund
6. Multi cap fund.
Not required. Just 3 enough. Flexi,mid ,small. Flexicaps are pseudo largecaps.
@@religionofpeace782 guru ji international stock vi hai flexi fund me and index fund lowest cost of nitfy 50 fund with lowest expenses.and multi cap gold and silver and other asset
Always great content sir thax
Ek youtuber keh rahe stop investing in mid and small and wait for correction
Kaun?
Upto some extent true.
Nahi itna nahi sochna. Ye sab tab sochna chaiye if you believe india wont grow.
Agar sip karoge and market down gaya to imagine ki tum down mai bhi invest karoge kyunki kabhi to market upar jayega hi to return aa jayega.
Main points are
1) sip nonstop
2) be in for long term 7+
i think he is talking about pranjal kamra
Who knows ke correction aayega bhi ya nhi....
Very genuine sir
Happy New Year to you and to your team
I have four funds
1. Parag Parikh flexi cap
2. Motilal Oswal mid cap
3. Nippon India multy cap
4. ICICI prudential value fund
I shall wait for NFO of reputed like Tata, Mirae etc or other, for my new investments in Small & Midcaps, after their good valuations. Wise AMCs do it, I know.
Dear Sir, Is direct or indirect mutual fund not managed by mutual fund company, if yes, then how anyone can manage your portfolio
Don't worry agle saal aap ne joh fund suggest kiya hai na.. Uska cagr nikalo... Aur unke 22 funds ke cagr nikalo.. Same hoga.. Apko diya hua charges waste
I have simple approach:
Not more than 5 funds.
1 large
1 mid
1 smallcap
1 gold/silver fund etf
1 dynamic asset association allocation fund short term 3-5 years.
Important is allocation consult ur financial advisor don't follow any finfluencer
Absolutely sir
i do Direct Mutual funds last 7 years 🎉
Hey can you pls let me know in which app you are investing? Because I'm a new investor and using groww app.
And investing in direct mutual funds kindly let me know about your experience in the past 7 years.
My portfolio is NIFTY INDEX FUND, FLEXI CAP FUND AND SMALL CAP FUND, 3 FUNDS I'M INVESTING
Happy new year sir
OseL Device company ko analysis ki jiye
Most of distributors have no interest in their customers and they only focus in their commissions. This is also true for insurance adviser
Did he go for 20 different fund houses or 20 funds? Also, I am still not clear about your verdict. Are you suggesting that it is better to go for a distributor? How will a person assess how good is the distributor? Aajkal bahut log LIC agent ke jaise MF ka bhi kaam karte hain. Fund ka review mil jaata hai. Distributor ka kahan se milega? BTW, valueresearchonline par bhi woh log advisory services provide karte hain aur woh log direct fund mein hi invest karwate hain at a quarterly subscription. Fir aap bologe ki aapki growth mein unka koi interest nahi hai. Fir investor kya kare?
Sab distributor sebi ka ho ya regular wala ho. Sab bakwas hai.. Agar stocks ka koi bharosa nahi.. Toh mutual fund house itne stock le rahe hai.. Unka bhi output great nahi hai.. Toh Yeh sebi wala banda kya ukhad lega
The best simplysity is to invest in ETFs instead of mutual funds bcz most of the mutual funds don't even beat their bench mark index . Why you are not telling this ??😅😅
Happy new year 2025 in advance.
Sir I'm 52 yrs old..is it will be justified if I now start sip in small cap mf for long term atleast 10 yrs.
you should start SIP 2025 may not give returns compared to what we got in past. To be safer side large cap is better as small/mid are volatile. Experts can correct if wrong thanks
According to my knowledge you should invest in nifty 50 index fund which is safe. Pls don't take any type of risk at this age. Best of luck!
I'm 53 years. I do SIP in small cap, mid cap and Nifty 50 index fund.
Sir give us new year promo code to subscribe your products. Thanks
stupid analogy. Seems like a made up story😂. If he has seen videos on direct vs regular , he would have definitely learned not to overdiversify. no sane person will do this.
There is no point in paying distributors. Choose 3-4 funds(flexi, small and mid) and stick to them no changes needed. Just because distributor is not fraud doesn't mean i should pay him. There is no point in having regular meetings for mutual funds and all with a distributor.😂