Very informative video mam. Watching your videos since long time, every video has some sort of learning, I remember sharing my portfolio with you few years back for a review, have cleared a mutual fund distributor exam few months back for learning purpose. Thank you!
Is this safe investment through demet broking app like angel one or through distributor or Direct amc office? difference between this kind of route. 1 Angel one fund investment 2 distributor through fund investment 3 direct fund office 4 other apps mf central kuvera .. What difference in this way Like expense ratio any charges Because so much things.
I am having 3-4 ELSS funds in my portfolio since last 8 years. That equal 9-10% of total portfolio. It can't be switch in Groww app, only redeem is showing. 1. Now if I redeem them. Will it come under taxation or it's like ppf(no tax). 2. When should I redeem them and how to reinvest.
Sir, as you’re saying that the money is safe as it is invested in different stocks, but I remember the incidence of Franklin India fund house where there was a block of 2 to 3 years by Sabi and my own money was blocked in ultra shot fund as it was to be the most liquid fund in the market And I could not withdraw it when I was needed it most during Covid time
I have only two funds SBI focused equity fund 10000 sip SBI small cap fund.10000 sip Xirr 28%. Investment from last 7 years. Time horizon 15 year. Is it ok?
Namakar mam/ sir .. sbi small cap 5k Quant mid cap 5k Kotak blue chip 2500 Axis blue chip 2500 Parag Parekh flexi 10k Icic pru tech fund 8k Edelweiss balance adv : 4K Please suggest portfolio is fine or need any correction
Swp ka money kabhi khatm nahi hoga agar hum 0.5% monthly withdraw karte hain total amount ka balki hamesa grow bhi hota rahega hybrid fund mein karne se Kya ye shi hai plz suggest
4% per annum withdraw karna better hain safety ke liye, which means roughly 0.33% per month. This number is arrived because aap jo withdraw karte ho, uspar LTCG tax bhi lagne wala hain.
Dear mam Im rohit tiwari from amethi Uttar Pradesh Mam mai 60000 rupees annual mutual fund me invest karna chahta hun kaun kaun se fund me nivesh kare .abhi current me mai axis bluchip fund large cap and nippon small cap me invest kiye by sip ke
Portfolio review sip in Parag flex cap-10k hdfc sensex bse 7.5k Nippon small cap 5k ,Tata small cap 3k, kotak emerging mid 10k portfolio value 5 lacs need to start more sip of 10k pls sugges for 12 yr
Its quite funny how people here are commenting about 8% or even 4% withdrawal rate without even considering past market trends. The market may not give any return for few years or just give 6-7 percent return for few years as it does not perform consistently 12%. If the return itself is 6-7 for few years how does one plan to take of 4 or 8 which will not allow the portfolio to grow? Based on 30-50 Nifty model simulations a 2-2.85% SWR(safe withdrawal rate) is considered safe and consistent in long term. That means, 8.43 CR at 2.85% return will give you 2 lacs/month or 24 lacs per year. We don't want to take the risk and include everything because the market might just start going sideways or crash when one starts to withdraw money. Instead of blindly following a convention do thorough research because this small mistake may cost a lot in the future if one just depends and believes it instead of understanding the finer details.
For Mr. Sunil's question on how much needed for 2 lakhs/month, my calculation is 3 crores to be accumulated in three funds - Large cap and large-midcap and a balaced fund (1 crore each) @ 10% average growth for year. The SWP may be planned for around 20 years.
Sir, for 2 lakh swp means 24 lakhs annually, if corpus is 3 crore rhen withdrawal will be 8 percent or even more as to get 24 Lakh after LTCG tax need to withdraw even more. With 8 to 10 percenr withdrawal rate, the corpus will not grow furrher. For inflation adjusted withdrawal the forpus needs to grow further, then withdrawal should not be more than 4 percent. This is my understanding
Editing jiyada hi ho gai Aaj . Simple hi rakhiye screen area recheck kijiye. Financial video main green screen nahi chahiye. Apki valuable information ki hame jiyada kadar hai. Ma'am hope you may check These things.👍
mam mai bussines kerta hu , mera age 27 hai , mam mai socha hu ki 2 cr ka loan le ker swp ker du aur jo withdrawal amount hoga uss se emi payment keru tenure 13 years tak swp keruga , muje loan 8 to 9% k interest per mil jayrga , 70% - small cap , 20% mid cap , 10% large cap , loan v total clear ho jayega aur final balance v aacha bach jaiyega kaisa rahega mam please guide me ?
bahut risky hain, loan lekar experts hi sirf invest karte hain woh bhi individual stocks par. Mutual fund mein loan lekar invest karne se returns bhi jyaada nahi hoga agar sab kuch theek raha toh, aur tension rahega woh alag.
Swati ji..you have always invited knowledgeable guests who dont hesitate in giving info about specific mutual funds. But this guest has been very disappointing. It seemed like he was confused and didnt want to give any info.
Why you need specific MFs ?! What if the funds he give not perform for next decade ?! Or some funds outperform those funds ?! He will have to take blame for it right ?!!
@@holypunk12 that's what his job is..otherwise what is he there for. The answers that he gave even a lay man can give. Previous guests like Hemant Rastogi and few others have confidently told about specific funds to invest in.
@@manojsuri007his job is tell abt the strategy not giving you specific funds ! A coach can give you tips on each stroke to play...he cant tell which stroke you should use play on the live match ! You should have your own discretion....!!
(1)I have a corpus of Rs. 1 crore in NPS as on date. I would like to continue the NPS for 4 more years and reach a corpus of Rs 1.5 Cr.. Can I have an SWP through NPS with this 1.5 cr? Or I have to go for annuity only. Please advise me the best options with this corpus of Rs 1.5 cr after 4 years (2) after 4 years, I will have a corpus of Rs. 1 cr in my PPF. Can I have a tax free monthly or annually withdrawal from PPF say Rs. 7 lakhs per annum and also continue to contribute 1.5 lakhs per annum? (I. E net Rs. 5.5 non taxable income) (3) I have some MFs also. Is it better to change the MFs ( I have large cap, mid cap, small cap, multi asset, flexicap, multicap, balanced/hybrid funds) or commence SWP from the same funds? I have a corpus of Rs. 80 lakhs at present in these MFs, which I will continue for next 4 to 5 years OR for some more years and then plan to start SWPs Thanks.
Seemed misinformed or disinterested.... 2 lacs SWP from 2 Cr corpus is almost 12% withdrawal rate..... Which isn't sustainable.... SWP amount should not be more than 6-8% of the corpus, to ensure that wealth keeps increasing...
Maam pranam, please 40000/- salary walo k liye bachat or investment ka video banaiye please apko dekhne se lagta hai ki aap chote garib logo ko v samjhate hai viewers v 40000/- wale hi h
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Yeh baat sahi hai ki Agar paisa (wealth) Ho to insane lumbey samin tak swasth 🌼( JAWAN) rahi sakta hai, Garib ko budey honey main samin compounding ka kaam karta😢😂 hai,
DON’T PUT ALL YOUR EGGS IN ONE BASKET, I think will be a risky proposition ? what are the possible risk in mutual no one explaining. Read term and condition is punch line ..not well explained. over all nice work .
Very informative video mam. Watching your videos since long time, every video has some sort of learning, I remember sharing my portfolio with you few years back for a review, have cleared a mutual fund distributor exam few months back for learning purpose.
Thank you!
That is amazing Ankit Jee. Stay Blessed, Healthy & B Wealthy
Superb questioning Swati ji. I'm a huge fan of your disposition and on-screen presence. 👍👏
Very informative video, thank you for creating and sharing it.
He is very casual in his answers like ahh its a very easy question but I can not tell you the answer
His Answers are top notch, I disagree with your above statements
Always a pleasure to hear Gaurav sir, very knowledgable and genuine person.
Mai hamesa hi aapki vedio ko dekhta hun aur apne friends ko dikhata hun aapki vedio se bahut seekhne ko milta hai
Thank you for the kind comment Tripathi Jee. Stay Blessed, Healthy & B Wealthy
Very nice madam👍 very interesting session 😊
Thank u swati mam for yr selfless service.God bless u.
Thank you for watching the video Ratan Jee. Stay Blessed, Healthy & B Wealthy
Mam there is one micro cap fund is already running from last one year. It's name is Motilal oswal nifty microcap 250 index fund.
Is this safe investment through demet broking app like angel one or through distributor or Direct amc office? difference between this kind of route.
1 Angel one fund investment
2 distributor through fund investment
3 direct fund office
4 other apps mf central kuvera ..
What difference in this way
Like expense ratio any charges
Because so much things.
I am having 3-4 ELSS funds in my portfolio since last 8 years. That equal 9-10% of total portfolio. It can't be switch in Groww app, only redeem is showing. 1. Now if I redeem them. Will it come under taxation or it's like ppf(no tax). 2. When should I redeem them and how to reinvest.
Is it good to invest in defence fund for long term ??
Sir, as you’re saying that the money is safe as it is invested in different stocks, but I remember the incidence of Franklin India fund house where there was a block of 2 to 3 years by Sabi and my own money was blocked in ultra shot fund as it was to be the most liquid fund in the market And I could not withdraw it when I was needed it most during Covid time
I have only two funds
SBI focused equity fund 10000 sip
SBI small cap fund.10000 sip
Xirr 28%. Investment from last 7 years.
Time horizon 15 year. Is it ok?
Excellent 👌👍
Tum khud dekh lo performance, tumhare samne hai,
Namakar mam/ sir ..
sbi small cap 5k
Quant mid cap 5k
Kotak blue chip 2500
Axis blue chip 2500
Parag Parekh flexi 10k
Icic pru tech fund 8k
Edelweiss balance adv : 4K
Please suggest portfolio is fine or need any correction
U left HDFC.... Quant flexi cap
Hi mam,
Could you please share your thoughts on jm midcap mutual fund.
Swp ka money kabhi khatm nahi hoga agar hum 0.5% monthly withdraw karte hain total amount ka balki hamesa grow bhi hota rahega hybrid fund mein karne se
Kya ye shi hai plz suggest
4% per annum withdraw karna better hain safety ke liye, which means roughly 0.33% per month. This number is arrived because aap jo withdraw karte ho, uspar LTCG tax bhi lagne wala hain.
Dear mam
Im rohit tiwari from amethi Uttar Pradesh
Mam mai 60000 rupees annual mutual fund me invest karna chahta hun kaun kaun se fund me nivesh kare .abhi current me mai axis bluchip fund large cap and nippon small cap me invest kiye by sip ke
Dear mam,I want 8 lakhs in 3.5yrs.How much amount of Sip should I start & suitable funds for this period.Please suggest
Portfolio review sip in Parag flex cap-10k hdfc sensex bse 7.5k Nippon small cap 5k ,Tata small cap 3k, kotak emerging mid 10k portfolio value 5 lacs need to start more sip of 10k pls sugges for 12 yr
Its quite funny how people here are commenting about 8% or even 4% withdrawal rate without even considering past market trends. The market may not give any return for few years or just give 6-7 percent return for few years as it does not perform consistently 12%. If the return itself is 6-7 for few years how does one plan to take of 4 or 8 which will not allow the portfolio to grow?
Based on 30-50 Nifty model simulations a 2-2.85% SWR(safe withdrawal rate) is considered safe and consistent in long term.
That means, 8.43 CR at 2.85% return will give you 2 lacs/month or 24 lacs per year.
We don't want to take the risk and include everything because the market might just start going sideways or crash when one starts to withdraw money.
Instead of blindly following a convention do thorough research because this small mistake may cost a lot in the future if one just depends and believes it instead of understanding the finer details.
For Mr. Sunil's question on how much needed for 2 lakhs/month, my calculation is 3 crores to be accumulated in three funds - Large cap and large-midcap and a balaced fund (1 crore each) @ 10% average growth for year. The SWP may be planned for around 20 years.
Sir, for 2 lakh swp means 24 lakhs annually, if corpus is 3 crore rhen withdrawal will be 8 percent or even more as to get 24 Lakh after LTCG tax need to withdraw even more. With 8 to 10 percenr withdrawal rate, the corpus will not grow furrher. For inflation adjusted withdrawal the forpus needs to grow further, then withdrawal should not be more than 4 percent. This is my understanding
Swati Ma'am, your voice is really do sweet ♥️My que is if I want to 20K SWP monthly for next 15 months, how lumpsum fund is required?
As per 4% rule
Aapko 60L invest karna chahiye.
4 percent nikalna chayie kiya SWP SE @@abhaysinghabhay
Editing jiyada hi ho gai Aaj . Simple hi rakhiye screen area recheck kijiye. Financial video main green screen nahi chahiye. Apki valuable information ki hame jiyada kadar hai. Ma'am hope you may check These things.👍
mam mai bussines kerta hu , mera age 27 hai , mam mai socha hu ki 2 cr ka loan le ker swp ker du aur jo withdrawal amount hoga uss se emi payment keru tenure 13 years tak swp keruga , muje loan 8 to 9% k interest per mil jayrga , 70% - small cap , 20% mid cap , 10% large cap , loan v total clear ho jayega aur final balance v aacha bach jaiyega kaisa rahega mam please guide me ?
bahut risky hain, loan lekar experts hi sirf invest karte hain woh bhi individual stocks par. Mutual fund mein loan lekar invest karne se returns bhi jyaada nahi hoga agar sab kuch theek raha toh, aur tension rahega woh alag.
Same thing happened with me on the day market crushed I haven't got that day NAV though I put my amount before cutoff time
Don't bring person who only give abstract information
Gaurav ji ke Jabab shandar bebak
आजकल क्वांट म्यूचुअल फंड के बारे में न्यूज चल रही है, कृपया एक डिटेल वीडियो बनाइए
Swati plz clear SWP is monthly for rs 2 crore corpus plz do reply ?
Swati ji..you have always invited knowledgeable guests who dont hesitate in giving info about specific mutual funds. But this guest has been very disappointing. It seemed like he was confused and didnt want to give any info.
Sahi kaha sir. Also, pehle sawaal ka proper answer nahi mila jo china Japan wala tha. Better reasoning and understanding chahiye is topic pe
Why you need specific MFs ?! What if the funds he give not perform for next decade ?! Or some funds outperform those funds ?! He will have to take blame for it right ?!!
@@holypunk12 that's what his job is..otherwise what is he there for. The answers that he gave even a lay man can give. Previous guests like Hemant Rastogi and few others have confidently told about specific funds to invest in.
@@manojsuri007his job is tell abt the strategy not giving you specific funds ! A coach can give you tips on each stroke to play...he cant tell which stroke you should use play on the live match ! You should have your own discretion....!!
@@holypunk12 Clarity is important no hawabazi.
Hello mam, your screen looks different, and it looks good
Hello mam...meri age 30 yrs h.. mujhe 60lakh ka swp krna h...50k monthy need h mujhe...plz mutual fund suggest kriye
Epf and vpf retirement fund calculate par video dal dijiye
Thanks Gaurav sir, big fan & investor.
(1)I have a corpus of Rs. 1 crore in NPS as on date. I would like to continue the NPS for 4 more years and reach a corpus of Rs 1.5 Cr.. Can I have an SWP through NPS with this 1.5 cr? Or I have to go for annuity only. Please advise me the best options with this corpus of Rs 1.5 cr after 4 years
(2) after 4 years, I will have a corpus of Rs. 1 cr in my PPF. Can I have a tax free monthly or annually withdrawal from PPF say Rs. 7 lakhs per annum and also continue to contribute 1.5 lakhs per annum? (I. E net Rs. 5.5 non taxable income)
(3) I have some MFs also. Is it better to change the MFs ( I have large cap, mid cap, small cap, multi asset, flexicap, multicap, balanced/hybrid funds) or commence SWP from the same funds? I have a corpus of Rs. 80 lakhs at present in these MFs, which I will continue for next 4 to 5 years OR for some more years and then plan to start SWPs
Thanks.
Yes ppf best hai 7 lakh annually tax free le skte ho life time
Physical investment and demate investment ?
Seemed misinformed or disinterested.... 2 lacs SWP from 2 Cr corpus is almost 12% withdrawal rate..... Which isn't sustainable.... SWP amount should not be more than 6-8% of the corpus, to ensure that wealth keeps increasing...
True...8 percent max..1 lakh will be perfect swp for 2cr corpus
What is with the background? Swatiji, please remove it- extremely distracting
These discussions are hopefully a bit more serious than a party theme
Apko tv pe dekhta hun😁💓
Thank you so much
Mam am your big fan,,and also u are so beautiful mam ❤
30000 ki sip pr month kr do 30/15/15 araund 2cr redi 😅 then SWP 2lakh
Nice information
Aise logo ko invites na kare jo open minded nahi hai...aap ki ek alag reputation hai Sawati ji hum investor ke pass...
Namaste ma'am 🙏
Namaste Niharika Jee. Stay Blessed, Healthy & B Wealthy
Nice information.
Thanks!
Thank you for watching the video Rakesh Jee. Stay Blessed, Healthy & B Wealthy
Maam pranam, please 40000/- salary walo k liye bachat or investment ka video banaiye please apko dekhne se lagta hai ki aap chote garib logo ko v samjhate hai viewers v 40000/- wale hi h
Please write in English, it will good for us.😊
Nice information sir
Swp me exit load lagta hai kya
Nahi
Index fund me tracking erro mayne rakhta hai!!!!!!
very abstract information this time, not expected from guests, pls. take care, host, henceforth.
As this video was recorded last Sunday, can give more insight/ update with respective Quant Mutual Fund 🙏🙏
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Yeh baat sahi hai ki Agar paisa (wealth) Ho to insane lumbey samin tak swasth 🌼( JAWAN) rahi sakta hai, Garib ko budey honey main samin compounding ka kaam karta😢😂 hai,
DON’T PUT ALL YOUR EGGS IN ONE BASKET, I think will be a risky proposition ? what are the possible risk in mutual no one explaining. Read term and condition is punch line ..not well explained. over all nice work .
Ma'am inko mat bulaya karo ..inhe koi knowledge nahi hai ya batana nahi chahte 😊
Small Cap exposure is extremely Low !!!
Very confusing answers
Mam.mea.bedesa.me.kam.karta.hu.mera.umar.40.sal.hea.2.lakh.ak.must..20.sal.ke.lea.jama.karna.kon.sa.newesh.best.rahega.kitna.melega
Please don't invite this "expert" again. His opinions are very casual and misleading
,💐💐💐
He is not interested 😂
He sounded arrogant too. In one of the questions, he was laughing as if it was a stupid ques. Swatiji, plz dont invite ppl like him.
Useless person invited
I love u❤
Swati Maam....Please share ur email id
Is it good to invest in defence fund for long term ??
आजकल क्वांट म्यूचुअल फंड के बारे में न्यूज चल रही है, कृपया एक डिटेल वीडियो बनाइए
Is it good to invest in defence fund for long term ??
Is it good to invest in defence fund for long term ??