Holding too many mutual funds? Easily trim your portfolio with these steps
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- Опубліковано 18 сер 2024
- freefincal.com...
Click above link for full set of instructions
Robo advisory template is here
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LTCG Equity taxation rule video is here
• Equity LTCG Tax With G...
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Another eye opener after my 4 years of experience in MF industry investment.Your videos are 24 carat Gold for many investors. Thanks a lot for your efforts Pattu Sir.
Free fincal is one of the most promising and underrated channel. The speaker has frankly laid out his thoughts and this is the real truth.This is frankly a veryu good platform for beginners and also for people who want to build serious wealth. Unfortunately in today's market other fake channels market themselves so well that the actual and true content are skipped.
This Video is EXACTLY for me. thanks
I noticed i have 27 funds in my portfolio. Before the market crash I invested only in two funds in equal ratios: PPFAS Flexi Cap Fund and Mirae Asset Emerging Bluechip. After the crash in March 2020, I invested in almost every FOF that gave great 1yr and 3 yr returns. Post this video I will start trimming down my portfolio
Hi Pattu, I have one question please. When in the video you talk about trimming a portfolio with 10 funds to 3, you talk about doing it gradually as and when the units are becoming free of exit load, keeping taxation in mind, etc, but when you talk about one of those 3 not performing, you simply say that do it at one shot, without referring to the duration that underperforming fund has been held for. I suppose, in a portfolio that has been consolidated to 3, the amount per fund is likely to be higher than before and then there is even more than need than before to be careful about exit load, tax applicable, etc, no? I wish that trimming further from 3-fund portfolio was given some more time and explanation. That part seemed too briefly handled to me.
Ya paatu sir..pls answer this.. Why in 1st instance of trimming is gradual & 2nd instance at one shot?
Sir, your explanation very simple but very effective. Thank you very much. Your are very impartial. I am learning a lot from your videos and articles. Pl keep it up. Its a great service to the investor community.
Thank you very much
It would be better to suggest why small portfolio is better than larger portfolio.. . Besides cluttering are there other disadvantages..
Even I wanted to know the same. I don't see any disadvantage other than managing problem.
You suggested redeem underforming funds and invest in New funds in one shot. But redemption takes few days. In those few days there will be market risk.
Sir Like u said I redeemed the units from one fund, and invested in another fund in a single lumsum but that fund nav keep on decreasing .my question is if did STP , NAV PRICE may reduced !
Kindly reply
Thala, you are amazing 🔥
Ohhh Sir what a practical explanation 🙂👍
What will happen if the fund I hold closes or have some problem and stops redemption?
So if we are keeping a funds for more than a year and returns are less than 1 lakhs then tax free. Nice info 👍
Thanku sir
Sir, I could not understand from around 10:00, where you explain the main concept of gradual shifting. As per my understanding, one reason is to keep the profit under 1 lac for every redemption by breaking the redemption in a number of times, to avoid paying LTCG tax, if NAV is by chance higher than Jan, 2018. Is that right? But the exit load part couldn't understand. If I am doing SIP, how do I ensure that I am redeeming units bought more than 1 year ago and not bought recently?
Great Analysis! That's awesome
This is what a newbie investor should watch, thanks a ton pattu sir🙏 , these TV channel mutual fund shows making people buy 3-5 funds that too for 2k/fund.
Thank you
😅😅😅 exactly
Hello pattu sir,
This really good information. I need to start reviewing my portfolio today. Can I use value research tool to find first table for perfomace and %holding.
Thanks
Kamlesh
How frequent we can shift the funds?
If I exit one fund and immediately invest in another, won’t I have to pay Capital Gains tax on the gains I received while selling off the first fund?
Sorry another question, if I switch a badly performing fund, am I not going against the basic idea of do an sip and stay invested despite bad performance? How will I evaluate whether this bad performance is a temporary phase and natural, or actually bad? Also, not trying to be lazy, but trying to correct my misunderstandings, if I have to think so much about mutual funds, then is it at all meaningful to do mf sip or rather should I invest in stock since I am already engaging time and energy?
One should give atleast 3 yr time before exiting from underperforming funds.
I want to know that will tax be implemented if I redeem within 2 months ...nav I s negative at current day
What do you think about NPS? I am using for retirement
Dear Pattu,
If I am holding many Equity MF in my Portfolio which have been held by me for over one year, therefore the exit load would be NIL. The current NAV of the MF is below the NAV as on 31st Jan 2018, therefore there would be NIL LTCG for FY 2018-19. In such scenario i would prefer to make the switch as lumpsum rather than over a period of 6 - 12 months as suggested in your video. Am I missing something here? Would appreciate your clarification the switch methodology.
Sir, Is there a calculator that you can suggest or provide for calculating LTCG tax or rather an excel workbook for trimming the portfolio
Hi sir...If I redeem from a nonperforming mutual fund (invested through SIP) money will be transferred to my bank account & then if I reinvest the money to a new fund at one shot how is it differ from lumpsum investment where I may catch up market high?
Bhai, you have shown xls table and core but hote to select fund for removal from that?
Sir, If we want to invest sector based mf like Tata digital mf and Nippon Pharma mf we can add the extra funds right?
What is the issue in having multiple funds?
In Step 2, when you say 25 lakh in equity funds for keeping 2 funds, does that mean total investment of 25 lakh in the year? Or whats the time frame?
Same question.
What is that AMC is shutdown?
Hello Sir, are these value oriented funds any good or are they just another name for small cap funds?. Thanks
How often should we review the performance of a fund. In a down market most of the funds don't perform , some advisors say withdraw when funds fall about 10%. Do you suggest the same. 🙏
I recommend giving the fund at least 3Y from date of 1st investment to perform
Nice. Exectly as i want
Hi...thanks 4 the video..its great..
thank you
Sir, can you make video about why you choose PPF and EPF over ELSS as tax saving instrument?
pl see the latest video on Mirae Taxsaver
Sir First main fund in my portfolio is Aggressive hybrid fund ,Second fund I am nervous to invest in a pure midcap fund so for some midcap exposure which is better FLEXICAP FUND or LARGE AND MIDCAP FUND ? (Investment horizon 12-15 years) , Nowadays Multicap funds have become flexicap funds , your opinion would be lot helpful , thank you
Please search "Index investing india freefincal" in youtube... There will be a video around 40 minutes... please see that 2 to 3 times... Your questions will be answered there.
@@kmbala555 Sir for first primary fund i feel aggressive hybrid funds are slightly less risky than Index funds , for second fund Nifty next 50 index is highly risky , so i feel it is better to go with a flexicap or large and midcap which is less risky than a nifty next 50 index or midcap index , if investment horizon is 20 years flexicap fund is always rewarding than any index fund (UTI nifty index gave CAGR of 15% , whereas Aditya birla flexicap or DSP Flexicap delivered 20% CAGR for 20 years goal)
@@balasubramanian-dk2my Hello... I'll share my thoughts for your comment... It's your money and It should be your decision.
You need to first understand difference between Active and Passive funds.
Passive funds will track some market index. It is not depend on any Fund manager.
Active funds will be managed by Fund manager who will try to beat market index.
As you told, Aditya birla flexicap or DSP Flexicap fund may achieved 20% CAGR. But that doesn't mean It will perform like this for another 20 years. Let's say, you were investing in one of that fund... After 5 years, that Manager has been replaced by another one, then will you change your fund? and More over, Let's say If that Fund manager's strategies is not producing profits? Will you track/review your fund performance periodically?
In one his video, He proved 75 to 80% active mutual funds failed to produce results upto their benchmark (market index) and He didn't include expense ratio and few other expenses. Most important is, those 20 % funds can fail or remaining 80% funds can beat the market in future. We can't analyze/predict those things.
So, my suggestion is to go with Passive funds. No matter what Nifty fund you chose, you will get returns according to the market. Active funds might give you returns more than market or may not. No one knows...
>
Most of the reviewers believe Nifty next 50 is champion index. Please check out those blogs and videos.
You can get returns more than market by Active funds only if you do below things periodically, otherwise it's pure luck.
* Need to know about Fund Manager
* You Should not worry about expense ratio
* If Fund Manager changes, Need to evaluate about new Fund Manager and Change to new fund if needed
* You don't know the Fund Manager's strategy
* Just keep in mind, Still you might get low returns than market
Or You can get market returns by just choosing one Nifty 50 Index fund and one Nifty 50 Index Fund.
* No need to care about Fund Manager
* Low expense ratio
* You will surely get market returns (with less than 1% deviation)
Before I start watching Pattu's video, I thought Active Funds are best and Very few funds were not able to beat Passive funds. Now I suggest everyone to invest in Passive funds over Active funds. Believe me, No one cares about the Fund manager and their past performance.
@@kmbala555 - Ok sir I understand your point , let me provide some more clarity to it
Nifty 50 is a great index and I agree many largecap funds may not provide higher returns than nifty 50 in long term ,but aggressive hybrid funds are slightly less risky than nifty 50 index funds as they it has inbuilt rebalancing and downside protection , and me choosing active fund - my aim is not to beat the Index , I am looking for a active fund which has good midcap exposure but not a pure midcap fund , I highly agree Nifty 50 index is better than any active largecap fund
But Actively managed fund which has midcap exposure is better than nifty next 50 index ... Please compare icici nifty next 50 fund with leading AMC's Flexicap fund or large and midcap fund ...you will understand sir , Nifty next 50 can provides CAGR of 12-14 % long term .... Actively managed funds with midcap exposure can identify Quality stocks with great growth potential
Which nifty next 50 will not provide ... My aim is not to beat the index ,my aim is to have some midcap exposure with cushioning of a Largecap stocks
We can expect easily atleast 15% CAGR with Flexicap or large and midcap in 15 years time ,many funds have that track record but nifty next 50 index does not have such a track record
sir first few minutes your explanation looks like you have peeked into my MF portfolio..... haha
ha ha
Me Too
Me too
I am unable to download the free robo advisory tool. Can someone please assit?
Now it's not free anymore...
Too good!
I was doing the same
Sir please suggest low volatility elss fund
Check my list freefincal.com/category/plumbline-select-mutual-funds/
Nice information again
thank you
Awesome
How can I get free robo advisory software? It is not available now..
So that you means you cannot get it free
ooops
Me too 😂