Це відео не доступне.
Перепрошуємо.
Will I get my money back if my mutual fund gets into trouble? 😭
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- Опубліковано 19 сер 2024
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This is one reason I won't invest into one fund( for the same category) I had my money in Templeton Debt which was frozen. My money to put in the market was stuck in COVID..as I had to keep money for the emergency.. fund..
I think we should make a distinction between debt and equity mutual funds. Franklin templeton case was a debt fund - so the underlying assets were not so liquid plus they had some bond defaults. Equity mutual funds on the other hand dont have this problem. Sure under redemption pressure there could be a loss but there is less risk of the entire capital gets stuck or getting completely wiped out .
I agree but it does not change the way investor feel.
Sir how do you compare NPS with Mutual fund
Market risk is different from fraud risk in a specific AMC. Don’t confuse the two.
You fail to understand my point: Market risk cannot be turned off because of fraud so we wont "get our money back" in the traditional sense.
Thanks for elucidating this point many people are lured into thinking that amfi or sebi will at least return their invested corpus. Firstly if you redeem even ur original corpus you need to pay exit load and also one can completely loaw their invested corpus.
IMHO, fund investors should consider a few hygiene markers while investing
1. Invest in funds which do not change fund managers often.
2. Invest in funds which do not have a very diverse portfolio (goes against hedging logic...but this helps track the fund better)
3. Invest in funds which have, historically, returned at least on par with the index
4. Invest in funds whose AUM is not bloated (you'll have to figure out how to identify that)
5. Invest in funds which have been consistent with returns over a 7-10 year period.
1 fund manager will change after we inevst
3 AUM will grow after we invest
rest at some level subjective
Even RBI's DICGC is not giving 5lakh insurance money back to the depositers sir
Hello Pattu , need ur suggestion on upcoming nfo of Navi Multicap 500 50:25:25 Index fund.
Unnecessary
@@pattufreefincal it is the first Index fund in this category. So Need ur views on the fund
@@subhabratachoudhury So what? Why do you need it in your portfolio? Don't you have any other fund?
@freefincal: could you make a separate video on the risks of ETFs you discussed here along with alternatives (perhaps index funds) for index investment pls
search past videos
If AMC defaults or goes on loss..& closes the company what will ...will SEBI do ?
AMC cannot default because they are not borrowing money from us. If they lose money, they will sell the business to someone else as has happened many times
Pardon me if this is a basic question - does market risk include potential fraud by the fund house?
I can understand redemption risk and risks in the case of a market downturn. But does the regulator protect us in case of fraud? Suppose that the fund house launders the money instead of investing it, am I protected?
They cannot launder the money as MFs are trusts. Those basic risks are taken care of. But one can't include all possible frauds. As the saying goes, it is not a risk if you can expect it! So, the regulator cannot protect investors against any unexpected risks. They will learn from it and make new laws.
@@pattufreefincal only new laws...money took by some AMC by frauds its should be purely SEBI or government responsibility...unexpected climate danger government paying compensation...this is planned fraud ...why no responsibility and why money/compensation for people
Thank you. This is exactly the question I had in mind. And thanks Pattu sir for the reply.
Thanks a lot for the reply.
Investing in index can be safer option then or have diversification rules like not more than 10% of portfolio money in one single fund and a similar limit for fund house?
it is safer but you can still diversify as per your comfort level
If a person large amount of ETF units (>= ETF creation lot size) can those units be sold / redeemed with AMC?
In principle yes but depends on the T&C of the AMC.
As an unemployed youth , do I need to pay STCG ?
If the STCG is within the tax free slab, no
@@pattufreefincal The exemption limit is Rs. 2,50,000 for resident individual of the age below 60 years.
Is this the amount per financial year?
Is this applicable for index funds as well ?
naturally!
Pattu sir, But if we stay invested for a long time say 15 years then regardless of these issues, it would be profitable, is my understanding correct?
Why should it be?! 15Y is a long time. A fund house can change owners 2-3 times by then!
@@pattufreefincal Sorry but I don't understand, you mean to say the AMC will get bigger ?
I don't understand his reply either!
@@pattabiramanmuthu9235 Sorry I meant the AMC business can change hands 2-3 times in 15Y. Will edit the above comment to reflect this
Hi sir., I'm planning to move abroad to do my Masters .In last 2yrs i have built a decent mutual fund portfolio by investing in passive index funds. Shall i hold it or redeem it sir. Your views pls.
No idea. I cannot answer vague questions
Is it possible to buy insurance for this?
no
@@pattufreefincalhi sir, shud we hold quant mutual funds to avoid redemption risk
But is there any way that fund house defaults and all our money with the fund house is gone ???
MF are trusts. So it is unlikely
@@pattufreefincal Thanks for the reply sir. Also please share the exit strategy from mutual funds. I heard that SWP is better because we can get average return from that. And when we have start SWP when our requirement is met and 1 year before keeping our expenses after 1 year in mind.Please help me with this
@@anirudhsasank See
freefincal.com/how-to-systematically-reduce-risk-in-your-investment-portfolio/
Thank you sir.Romba nandri from Andhra Guy 😊@@pattufreefincal