Save LAKHS on LOANS with MUTUAL FUNDS! | Ankur Warikoo Hindi
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- Опубліковано 10 вер 2024
- Check your Loan Eligibility here:
Smallcase: www.smallcase....
Volt Money: voltmoney.in/c...
In this informative discussion, we explore a groundbreaking financial solution known as Loan Against Mutual Funds (LAMF). Discover how LAMF offers investors a strategic approach to accessing short-term liquidity without the need to liquidate their investment portfolios.
We delve into the mechanics of LAMF, highlighting its benefits and considerations for investors. From providing short-term liquidity to preserving investment growth potential, LAMF presents a compelling option for mutual fund investors seeking financial flexibility.
Don't miss this valuable opportunity to optimize your mutual fund investments and achieve financial success. Tune in now to learn how to leverage mutual funds effectively for your financial goals.
#MutualFunds #InvestmentStrategy #warikoo
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Check your Loan Eligibility here:
Smallcase: www.smallcase.com/loan-against-mutual-funds
Volt Money: voltmoney.in/check-loan-eligibility-against-mutual-funds?ref=ILX38F
Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
My Money Apps: bit.ly/3Zg56eR
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Hi Sir...
Very informative information and useful especially middle class family... Just wanted to know what are the risks in these type investments... Will I get all the invested money back with 100%.. ? Risks ke bareme bhi ek episode banayi... All types of risks...
Thank you for this informative video..
Guys @warikoo I just got LAMF from Yenmo, they are super quick and very reliable.
Guys @warikoo I just got LAMF from Yenmo, they are super quick and very reliable.
@warikoo Ankur the calculation is wrong.
Your calculation doesn't include loan repayment emi
In chunnus case this money can be considered as additional sip amount
And in munnus case it's emi
For a loan of 3L emi amount is 9750
So for an apple to apple comparison
You have to consider that emi amount as chunnus additional sip for 3 years 😊
When you consider that chunnu will have more money (@12% MF ) Growth
Basically when u take a LAMF it's just that you are borrowing money at 10.5 and investing it as Lumpsum
The comparison should be made in that way
I know this because I always calculate
That if I take a loan at say 10% and invest as Lumpsum vs pay the emi amount as sip.
There might be slight difference but doesn't worth the hassle and the issues comes with debt
LAMF can be used against selling at a loss when the market is down by a lot in that case you will making profit, when u compare LAMF vs Selling units.
In other scenario if u increase the loan tenure there might be a slight difference but not huge
Please check yourself and reply
I think correction needed "not HDFC its Bajaj Finserv".
@warikoo One interesting point to consider when Considering Redemption vs LAMF. If Someone is redeeming X amount and not paying Y amount as EMI for 3-4 Years He/She can effectively make a new SIP for Y amount for those 3 years. It will be interesting to see how much difference will be there between redemption vs LAMF.
In that case also, if your MF returns are higher let's say 13% per annum, then still taking a loan would be a better option rather than redeeming the amount and start an SIP with same EMI amount
If assume 12 % return, then how taking loan is good ? , we can start or increase sip amount with same fund , it's good option in my opinion@@shivalikchadha9702
Thanks for the info. The application process for LAMF on smallcase is really smooth.
Wow, I did not know about this awesome concept, super video❤❤❤❤❤
Volt money 😮😮 Wow 😮 it's actually seamless thank you for the video sir.
Dear sir, Mai to aapke pichhe aapki achievements ko dekhkar proud feel kar raha hun, Very inspiring pic for my life ❤❤❤
It's good to know that we can pledge our funds also for much lower interest rates. Cheers. Thanks. Awesome job. Keep doing ❤
250 ka cashback from Volt 😃, sahi haiiiiiii
Kese?
@@relaunchingsoon Warikoo ke description wale link se apply karo, milega cashback.
Incorrect assumption. When someone pays emi for loan then that much money is less for SIP. So the one who sells MF unit can afford to continue SIP but the one took loan cannot. So the difference will be much much less. Not 28 lakhs. Totally incorrect.
Ye baat video ke start mei batani chahiye na ki Dmat account se jo invest kar rahe hai ye unke liye nahi hai, time waste hua bina kaam ka
Kisne bola bro
Wow,I was in need of this topic right now. Think you sir.
Good morning sir.apke video dekhkar mera investment se releted hosla bad jaata hai.
Plus you can save on capital gains tax when you are planning to redeem MFs during emergency.
"Great video! Exploring different ways to leverage loans against mutual funds is insightful. Understanding the benefits can help investors make informed decisions and optimize their financial strategies. Thanks for breaking down the options!"
Service of volt money is best❤
Bahut hi behtreen video, dil chhu liya sir aapne ❤❤❤
I am already using lamf to prepay my home loan
Almost saving 80000 per lac
And meanwhile my mf grown by 1.4 lakh in just 4 months
So in total 3.8 lakh saved against 3 lakh lamf for prepay my home loan and still 8 months remaining to pay my lamf
Bhai, ab kaisa chal raha portfolio? Ghar hai ya chala gaya? :P
@@AbhisekDas bro I have taken lamf when my portfolio is already at lowest 4 months ago as I have a gut feeling that such situation will occur and portfolio will fall
Same situation happened in 2018-19 after I started investment in 2017
I've recently been advised to explore saving money on loans through mutual funds. My current approach of simply holding assets doesn't feel sufficient in today's market, especially with inflation impacting my $2.5 million inherited portfolio. The idea is to diversify with stocks and bonds, but I'm concerned about ensuring financial stability post-retirement.
11:26 3 lakh ka interest calculate to kr liye aapne, magr uske monthly installment v to usse dene pade hoge 3 lakh ki ???
One of the best Advisor 😊
Jab market gir jaye aur invest karne ke liye jyada paise nahi ho to purane mutual fund pe loan leker lumsum amount invest kardo aur loan ko sip ke roop me pura kardo
Kya me sahi soch raha hu ???
😊😊😊
Wah Sachin g wah
Munnu is paying EMI and if chunnu is putting that money in mutual fund..then the difference will be not enough...plz count that as well it will be more clear to the viewer who are planning to make decision based on this video☺️
Sahi baat h, munnu EMI ka amount additionally kaha se laega, usko apni SIP rokni padegi
Munnu has to pay the emi, Chunnu is Free. Chunnu can invest this same emi as SIP ...why is it not considered??
Thank you for this idea. This helps. Wish you all the best.
Very Nice Information 🎉
मैंने मुन्नु जैसे लोन लिया हे सरजी। लेकिन वह 7-8% के ब्याज से मिला। आपका बहुत-बहुत धन्यवाद ❤
@ankur, this point should be considered, the scenario you have placed, it's half-baked, consider the EMI burden for the loan taker or add the same EMI amount for the other person as additional SIP, I believe the difference will not be much more... so I suggest before producing and influencing the persons with any information consider all the scenarios, in practical it's not good and 16% and 10.5% ROI on Pl is there..
In that case also, if your MF returns are higher let's say 13% per annum, then still taking a loan would be a better option rather than redeeming the amount and start an SIP with same EMI amount
I lost my Job in 2023 and Started this UA-cam channel to move forward in life. Hope I will Make it and Wish me good luck brothers ❤️
maine 2 saal pehle apne mf bech diye the, kash iske baare mein pehle pataa hota.
Thank you sirji. Perhaps another option which is worth mentioning is overdraft against FD where there are no processing charges. Generally, interest delta over FD is one to two percent (net cost) depending upon the bank and overdraft can be repaid whenever there is surplus cash to reduce the interest cost.
Sir this is brilliant 😊😊 super sir you slove my problem i need a money 😍😍 and also i have a mutul fund. I invented it from 5 years ago. Then i checked my eligibility. You solve my problem sir. Thank you so much sir 🙏🙏🙏
I m investing 500 in sip
Now i have 20k 😊
Which one
Which mutual fund
@@military.878 hdfc sensex index
Which mutual fund???
In your example, if the second person doesn’t have surplus money after taking LAMF and reduces his SIP to adjust with the EMI, how will his return be affected ? Can you compare this scenario ?
@ankur, this point should be considered, the scenario you have placed, it's half-baked, consider the EMI burden for the loan taker or add the same EMI amount for the other person as additional SIP, I believe the difference will not be much more... so I suggest before producing and influencing the persons with any information consider all the scenarios, in practical it's not good and 16% and 10.5% ROI on Pl is there
I MET ANKOOR WARIKOO TODAY!
guys u wouldn't believe me but i am at the airport right now in Hyderabad and i just met ankoor warikoo sir...!! he was so approachable and we had a nice chat.😅 loved the aura around him.
What an eye opener. You a😊re becoming God of knowledge in my life
But sir, I have a question..... The Rs.8,80,000 joo kii munnu ke pass extra hein, wo toh inflation(assuming 6%) adjust karne ke baad bhi bas 2.75 lakh bhi bante hai
Hain toh jyada hi na
2.75 lakh kam thodi h
Volt money ❤
Is it safe
Wow, never knew about this. This is so cool 🤑
How to wake up early pe bhi ya consistent pe ya free Mei books kese padhe google pe sahi rehta hai kya ?
Dear Ankur sir,
You missed one point in between, We saved the difference of proccessing fees too. which is also a big amount
Very informative video sir..... Thanks
Best video thanks warikoo.
Capital Gains Tax should also be considered for the opportunity cost whichever applicable, great explanation!
Please make real video on how new age rich people become rich and successful
💙💙💙💙💙
What about emi , why you not considering emi, what if chunnu increase sip by emi amount
Sir I'm preparing for a govt job.
I will feel blessed if on any day I get guidance on my future money management from you when I'll start my own earnings. 🤩
Dear Warikoo sir, I love your content, its so helpful in my day to day life. With no offence i found below me smatch in the excel..
Chunnu can increase sip value where as Munmu is repaying the LAMF..
I assume there would be difference of 1.5% (12 - 10.5).. not a major chunk of loss
Yes correct.
That’s How Wealthy people save taxes
LAMF is similar to LAS for demat securities which each broker/depository provides as per there own set of rules.
I would eagerly wait for Smallcase or Volt to provide loan against MF irrespective of portfolio as most of people are buying through direct route.
Very helpful video thanks for sharing 👍
Calculation isn't accurate.
Do the calculation by assuming that Chunnu invested the EMI amount regularly (instead of paying EMIs). Also assume that loan fees is invested in MF too.
Ultimately, it might be almost the same.
Volt money is Amazing 🎉
Wow sir i follow you you are teacher❤❤❤❤❤❤❤❤❤❤
While taking lamf.our mutual amount will continue to grow during our loan tenure sir
Please make a video for best investment options for retired senior citizens. Perhaps js a "shorts" video
Hi ankur. This video also motivated me to take loan against my small investment I would like to mention. These loans are still considered to be bad debst as work as same as credit cards loans. Most importantly they don't charge the simple interest such they're interest rate calculated as fixed/flat not as reducing. Please clarify how this become cheaper if by any chance I if I unable to one emi they'll charge heavy interest and my years of investment will be on risk. That's why this thing is not legitimate and not being practiced by any regulated banks. These investments just considered as security but can't get you a loan. Please some disaproved if I am wrong.
Hi Shivam,
Let us break some Myths.
1. Interest rate is on reducing principle- Just like when one pays back principal & the interest burden also reduces, same is with LAMF. When you repay the principal every month in whatsoever amount you desire to pay, your interest cost will also come down. At Volt 10.49% interest is on reducing principle & NOT on Flat.
2. We only deduct interest only EMI- If you take personal loan your EMI will be Principal+Interest, if you take LAMF your EMI will be 'Interest only EMI'.
Let us explain with an example.
If you take a 1L personal loan for 12 months at 10.49%, your first month EMI will be Rs 8814/-
If you take a 1L LAMF for 12 months at 10.49%, your first month EMI will be Rs 874/-
The difference is we don't auto debit the principal part, as we have given freedome to our customers to repay flexibly & giving them a benefit to become debt free faster.
We hope we were able to answer your questions.
Sir I wanna start from level zero. So I wanna invest 1000rs per month.... So please guide me the best possible way to get higher returns for long term....
Your ad doest sounds like an add which is the scariest part how you difines. Still big fan a practicing the things you tought earlier.
Very super and informative video sir
Hi Sir I have got 4 mutual funds Sip and my horizon is 15-20 years. Can you please revert if the portfolio is good. 2 small cap- Nippon & Tata. 1 Flexi cap- Parag pareikh 1 Mid cap- Quant.
Volt- TATA , smallcase- Bajaj
Sirji stocks pledge rakhna bhi lamf ko hi kente hai ?
Vote for warikoo sir❤❤❤❤
Thanks Ankur❤❤
Hello sir i am form nepal but currently working in dubai and i am 19 years old with small salary and i need help😢, i recently started watching your videos and i found it very helpful😊but please can you tell me , will i be able to invest some money in the platforms that you have recommended on the videos? Because i am nepali citizen and i am in dubai so can i? Please reply sir i am a young boy with labour work i need help, just one reply and advice please🙏❤
Munnu has to repay loan back but chunnu has money which he can invest again. This is an half info
Sir how to make a girlfriend ya personal development pe khuch baniye pls
Sir mere funds bhi demat me hain.
But I liked the concept you told here 😎
Sir maine apna sara Mutule fund direct AMC ke APP se liya hai aur usko Assetplus ke site pe import kiya hai aur waha se mujhe lone mil raha hai.
Looks like by mistake you used Bajaj Finserv screenshot while talking about HDFC at the end of this video.
Sir your videos are always very informative. Can you make a video on investments option for people who are in late fifties.
@warikoo , facing issue with this, says pan is not FATCA verified
Mr. Warikoo Please add chapters or sections or timestamps in your video it's kinda annoying for someone who knows about a part and wants to skip to next
He took personal loan interest rate as high i.e 16%
While you can easily get 12-13%personal loan if you have 750+ credit score
Hello sir🙏my name is sayan..
Mera ek ques tha ki apne jaise bola ki LAMF ke process se hum hamare portfolio se loan le sakte haii.. To loan lene se hamare portfolio ka kuch% unit lock ho jate hai mutual fund ke pass.. To mera a ques hai ki jabtak ey loan period chalega to un lock unit bhi grow hoga ye fir jo baki unlog hai srif ohi growth hoga.. Plzz reply 🙏❤
Hey, Valid question.
Yes even your Pledged/locked mutual funds will also grow.
That is the best part that Mutual Funds is income generating assets & while you take loan against mutual funds, your mutual funds will grow as well.
Ankur Sir, Sip on a particular date every month is good investment but it is not best way to drag your ultimate profit. Rather same sip in different way of investment approach in same MF can open investors eyes.
Sir pl make a video on education loan plplpl
Sir............
Sir why lender not investing that amount in mutual fund. Why they give loan and earn money?
This is something new
Mere mutual funds online Demate se hi kharida hua hai.. mere me limit to shi hai
Ankur sir tell us the process to achieve our desires without loan or emi methods ; which type of investments can be done so that we can achieve our desires as it will be helpful for our audience as well please pickup my question
Some new content after long time. Munnu needs to do time travel to know about lamf through this video 😅 lamf is good for new investors, mature investors should opt for profit booking IMO
MFs are a long-term investment vehicle. Profit booking in MFs & re investing in some other MFs is zero sum game as in long term returns are more or like similar. So irrespective of mature or new investors, selling mutual funds is a bad idea, always.
Sir small case mai sirf interest jaata hai ya emi banta hai
I have a question sir, for the 3 year tenure where munnu had to pay 10k extra every month towards EMI of LAMF, please workout a calculation if Chunnu paid 20k a month towards SIP for 3 years (as no EMI burden) or munnu stopped SIP for 3 years to pay EMIs. Wouldn’t this be a fair calculation?
Warm regards,
Eternal love & respect for you.
Mutual fund and LAMF dono ka monthly deposit bi to badh jayega.....
Warikoo sir pls let me know I want loan against mutual Fund pls suggest best reliable sebi and rbi regulated apps or plateform for above purpose
Thx sir ❤
Thank you Sir ❤
As a Commerce Students 😊Knows this .
Sir, when we take LAMF we also need to pay Loan EMI.
300000 for 3 year at 10.5 % will mean a EMi of close to 9800
To make the calculation fair this amount should also be considered and added back to Chunnu's SIP amount for 3 year.
I agree if we consider 12% return on MF and personal loan at 16% .. LAMF will still be better
But if you manage to get around 15% on MF and personal loan at 13 to 15% then the difference may not be big. And you do not have any loan against your name as well.
Just a thought from my side
The interest of 51k that you're paying on LAMF is also coming out of some place. If invested, that will also grow in a period of 10 years as the rest of the portfolio does. It should also be accounted for accordingly instead of going just for the face value.
Even I thought about this..
Ankur Sir mujhe volt se 675000 ka eligibility dikha rha hai aur yeh sach me 10.49 percentage de rha hai
Thankyou so much ❤❤❤❤❤❤❤❤
I love you sir
Aapne loan liya hai kya volt money se
@@mithleshgupta8521 search Kiya tha mil rha tha nai liya
Thank you Sir I didn't knrw that..
Dear Sir, also u can consider govt. bank gold loan. Less interest rate and lowest processing fee.
ShreeKrishna
Very very nice👍
As Always Valueable Content 💥
This concept is very good, but sir we are investing in mutual funds using our demat account, then this scheme is not useful for us . SIP with third party person is not safe (this is my opinion). So can you tell that how can we take LAMF against our mutual fund in demat account.
If market down during loan tenure, who will benefit in this scenario.... how does it work in bear market. Instead of paying EMI , We can make SIP for same EMI amount . it would benefit in bear market
SIR IF YOU EVER SEE THIS. PLEASE MAKE A VIDEO ON TAXATION ON MUTUAL FUNDS AND STOCKS PLEASE 🙏🏻. HAVE A LOT OF DOUBTS ABOUT IT.