Why use debt funds when we have EPF and PPF
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- Опубліковано 24 кві 2020
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After 3 year of my investment journey now I realise this video sir.🥰
Very good and funny videos bring a great sense of entertainment!
very useful channel.Thanks a lot sir.
nice to see you doing back to back videos. Hope you will do tamil video tomorrow.
I opened PPF account in 2012 and every year just invested 500 annually but the recent equity crash and Franklin fiasco, I think I'll max out 1.5 lakhs annually in PPF and then remaining investable surplus in debt funds and equity funds using 40:60 allocation respectively
Sir I don't miss any videos of yours. Sir please review L & t triple Ace bond fund. Thank you.
Since during a total market crash like this all the funds are at a lower value of their respective NAVs, is this a good time for switching from a less preferable (for whatever reasons) fund to a more preferable one? Coz: no tax load, low NAV entry in the preferred fund.
Seeking your judgement in this?
Thank you for this beautiful video.
Do you know that even "ICICI equity and debt fund MD" also has been closed? They also didn't pay latest dividend due to liquidity crunch. You need to review all Debt fund to assess the situation.
Biggest problem is that in our country we still do not have a healthy and sovereign secondary bond market. It's RBI and government everywhere!
Could you review Axis All Seasons Debt FoF for a very long term all weather debt basket in my portfolio?
Expect more return from equity. Don't expect from debt portion.
Hi Sir, I have been watching your videos for sometime now. Its very informative. I just wanted to know, when we rebalance every year from equity to debt and vice versa. What would be the tax component? Will it be huge? Thank you...
Hi Sir, what are your recent views on Debt mutual funds after new taxation rules?
Hi Sir,
Arbitrage or Debt fund which is better, kindly throw some light in this.
Sir recommend some good monthly income plan mutual funds now known as conservative hybrid funds
Sir what is your view on NPS tier 2 account?
I was thinking i can rebalance using my contributions in epf and ppf. Again an eye opener
Kindly explain the taxation on debt fund... With example fr 10% tax slab
Sirji, looking at current situation of fear, is it safe to continue investment in small amc parag parikh mutual fund, My SIP in PP long term is giving relatively better returns, but i am worried of amc size
What will happen to the AMC? Can you explain a little bit?
I have PPF account, which is more than 15 years old.. Can i use it for rebalancing down the line?
That depend on your networth!
Hello Sir, I follow almost all your video and FAQ, NPS tier2 account with 100%debit can it used for rebalance
only after the taxation is clear
Dear Sir,
Since I had a bit of free time I went through the returns of a lot of equity funds over a period from 2005 to 2020. I observed that the returns of almost all the funds ( whether large cap, thematic, sector specific etc) gave returns of 9.5 to 10.5 % ( approximately).
Does this mean that ( due to the cyclical behaviour of the markets) returns in almost all equity funds average out over a period of time?
Thank you
I dont think we can Y/N for sure
What difference does it make if i rebalance my portfolio myself vs investing in a couple of aggressive hybrids or balanced advantage?
Because their asset allocation will not change but yours must with time so you need the liquidity!
@@pattufreefincal but what if one has to keep the same asset allocation for say next 15 yrs
@@dhruvsharma1110 why do you want to keep the same allocation?
@@dk2969 If he starts very young, say at age of 25, then he doesn't really need to bother about reducing equity till 40.
This game all for 1 or 2 % return more from investment. Fund managers taking risk from investor's money. Now people stuck.
Still debt are important.
Can I have a discuss with you. I have retired this year. Appreciate your support. Thanks
*discussion
Please consult one of the advisors on our list
freefincal.com/list-of-fee-only-financial-planners-in-india/
is the world prepared for debt and equity to go down together? Its a real possibility now. Given the sub zero real rates and rates going up from here is stong possibility.
Never get into predictions.. Nifty 13000 +
@@pran10000 when you enter any asset class you have a long term.prediction that it will go up... Don't you? We have to anticipate the possibilities ....else you will take one step forward and 3 steps back in the stock market.... Alredy short term debt is yielding next to nothing with huge inflation long term debt is also sub zero... Stock market yield is a big zero..... So plan accordingly ... just because I am bearish does not me I am not invested ..I am just hedged...when I see comments like yours the fear increases in me .....
@@shashiy4545 Right I get that.
Don't you look back and feel that you are better off being a bit more optimistic? Hedging is one thing but to invest in an asset class like equity its all optimism in the end right?
Also why is stock market yield big zero, I didn't get that? Not only did the markets recover, their long term yield is decent as far as I understand.
@@pran10000 the div yield of our market is 1% our official inflation is 7% so the income you will get from stock investments is negative...our earning yield is 2.5%...even if earnings grow by 8% per year you wouldn't even breakeven against inflation. And our earning is seeing degrowth for years now... any negetive shock like raising interest rate or currecy crisis will crash this house of cards....as this rally has no fundamental ground....it mere speculation driven by cheap money from central banks.... You must also realise that people who dint have sizable cash before this crash have hardly made any money..... So if you were optimistic before the crash you would be fully invested and still be chewing water...
@@shashiy4545 Thanks that's quite informative.
So what according to you can a retail investor do if you expect really poor returns? Just maintain assest allocation and hope for the best?
NPS tier II account for debt portion good enough?
Sir What is rebalance.Klndly explain in tamil .
V.Vood. Visit my allocation.
Nice Video Sir.
Sir, I love your videos its always true and point to point, I have a question
. Looking forward for your reply :-)
I want to invest in Index fund direct plan which adds dividends auto in my SIP again.
So I chose this fund ICICI Prudential Nifty Index Fund - Direct-Growth.
Questions:-
1. It is the right fund that is direct and adds dividends to my SIP again or I need to change it.
2. What's your review about this fund, It's current Assets is ₹ 688 Cr. I think when time goes on this its value increases.
3. Any third Index fund you want to suggest for me.
Same question for me also sir.... I'm new to investment after lock down I'll clear my Kyc and start investing in index funds for long period
You can use any index funds (Nifty 50 or Nifty Next 50) having reasonable AUM and low expense ratio.
Don't go for a dividend plan.
@@rnhotta18129 Why ? I think if the dividend added direct your sip again if help it grow more in a long period of time
@@richiustad Dividends from Mutual funds are not like the dividends you get owning direct equity.
You get your own money and are taxed accordingly. The NAV drops in the same proportion as declared dividends.
Don't listen those mutual fund agents who insist on a dividend payout option.
Always go for direct growth plan.
Hope i have answered your query.
Thank you.
First view
Not Agreed. My debt portion is F/D and PPF No problem is Tax Deduction. I Can see my Equity portion only is Risk , I Don"t Want See My Debt is Risk Or Lose Or Lack of Withdravel.
ok don't agree!
@@pattufreefincal mutual funds sahi hai