My lessons from mutual fund investing over the last 10 years
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- Опубліковано 14 лип 2024
- Here are my lessons from mutual fund investing over the last ten years.
Selecting right fund is not possible!
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Returns do not matter:
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Loved it. Only a real teacher can invest himself so much for others to understand what he wants to convey
Sir now PPFAS LTE is in lime light. It is in 5 star rating. How do we know it is already became popular.
How high is its AUM?
@@pattufreefincal 1530 Cr
@@snsramkumar1530 is extremely less when compared to Mutual Fund AUM.
Best Take away for me is Building portfolio around one fund. And for me, that is Hybrid Aggressive fund. I now realized this after investing for 7-8 years. I wish somebody told me this 8 years ago.
I found a real guru. Your videos have stopped me many times from making naive impulsive calls after getting overexcited from discovering a new fund.
I'm new to investing sir... From all my understand From your videos I'm willing for long term investing say investing in index nifty and nifty next 50.... Just I'm going to stick with this two and 50:50 ratio investing and as manual investing no more SIP...and never wory about star rating, market falling.. Etc... Just stick to investing Every month for long time tats it....... Thanks for your videos sir 🙏🙏🙏
Pattu: I can't entirely agree with you on a few points. (1) Three years is not a magic number but we have to go with the sectoral cycles. (2) Some funds don't perform for a few years due to buy and hold of some sectors so one should remain invested and keep investing then ultimately after five years or so each sector having seen years of neglect, eventually outperform. So we have to see the fundamental problem as to why that fund is not performing, is it complete neglect by the fund manager or a problem with the sector. If there is a problem with that sector only then it's a good news as one is buying cheap. So patience is the key. (3) sometimes, fund managers invest in 2-3 such sectors where one is doing good and the other is doing bad so the net result is that you don't see the gains moving anywhere even though one of the sectors of the fund is doing good. I have one such fund, which was suggested by my former fund manager (regular fund). At that time, I didn't have any knowledge and I left it to him. It has a locking period of 60 years of age otherwise, 1 % exit load and returns not more than 7 %. So when I examined it, I found that the stock selection is not bad but IT companies they invested in are ruining any gains made by other good companies. So net results is always bad. So the "activeness" of the fund manager to timely exit the sector before it peaks out and move to a new promising sector is very important to choose an active fund. Otherwise, the savings are going to be doomed. With Parag Parikh Flexi cap etc. same problem happened. It gave good returns on digital boom but they didn't foresee its peak coming and didn't exit. So no sector is good or bad. Here timing is important. If you have chosen one sector then it's best to stick to it for good and see it's cycle. Mixing good and bad sectors is toxic. Its like you are mixing sin and cosine waves. :) (4) I don't agree with your aversion with small caps. One has to show trust in small Indian companies also otherwise we are overconcentrating the top 50 companies whether they perform or not. Of course, one needs a smart fund manager to pick good small caps. (5) Peaks are valleys are the real strength of small caps which gives us opportunity like "time machine" where one can go back in time and invest cheap.
Excellent video, I kind of agree that you dont need too many funds. Minimalist approach works better. However I disagree on point number 5.2, Manual investing has freedom and thats what I feel is a problem for lot of people. Because if you give freedom people may not invest if they see other expenses popping up. I feel and kind of has worked in my case, Following option:
1. Put SIP in MF
2. Whenever you have extra money left put that into your MF via lumpsum route.
That has helped in increasing my corpus leaps and bounds and whenever I look at my fund value 3-4 years later, I see very well what I have gained by not only sticking to SIP but also investing manually in same funds.
GREAT VIDEO SIR !!!!
Loved it,every investor must have a mind like you ; such a great personality i loved the talk about rating of the fund ,many early investors must see the value not the ratings
Thank you
Exactly what I was looking for. Thanks sir
Thank you this was very helpful and informative 👍👍
Ohhh Sir what a evergreen explanation, loved it.👍👍👍👍👍🙏🙏🙏🙏🙏
You are so real Sir !
Awesome video sir... Thanks a lot 😊
Completely agreed with all of them especially the 3rd and 4th point. Capital protection should be the priority and not how much returns the fund is generating.
Sir.. found your videos today on youtube while trying to increase my knowledge on MFs. I have been investing in MFs since so many years. Wish I could have come across your channel earlier. You have busted and exposed the entire MF industry with a bang. Your videos are eye opener. Plz keep educating us like this.
Thank you very much
Thank you Sir. Nice Info :)
Thank you Sir For this video
great information
Great video sir, please add a full-stop after each number to avoid confusion.
Thank you sir once again for this nice vedio
Sir, you are too good, 🙏
Worth watching
Aapki baat me dum hai bro 👍
Made sense! Thanks to your video. Could you review ABSL equity and Canara Robecco Emerging equity? These are the ones I hold now.
Point 5 awesome sir
Thanks for video. Question on why do you think current time is Right to invest for goal 10-15yr away? PE ratios are all time high. Also, simple returns calculation tells me that if somebody invested lumpsum around December 2017 hardly get 7% returns today...so then doesn't timing matter?
What could be best to finalize fund selection like higher / lower aum.
Multicap/large - high aum
Midcap/small - low aum
Excellent . What are the qualities you look for in a potential fund for long term investing high volatility appetite investor in 30s
I wanted to start investing in mutual fund. Is it a bad idea to look at star ratings for selection as far as the objective of the fund and my goal is somewhat same?
Sir please discuss about stock.
Sir I'm confused should we selected index fund or bluechip fund please make one delicate video for this please.
Thanks for the Video. Just wanted to let you know there is a crackling sound in your recording, I noticed it in one or two of your other videos as well. Just wanted to let you know.
I thought it was the AC, not that. Wonder if it is either mac or a win pc next to it. thanks
@@pattufreefincal sir, not saying that there is some noise with Audio, but please try this.. search for 'Audacity remove noise'. it makes the audio crystal clear. especially with the audio / podcasts like yours where noise is not much. best part is it takes less than 1 minute to do this .. and Audacity is open source. Thanks..
Sir after redeeming how should i invest in another MF? lumpsum??
Agreed...
Sir.. Neenga vettu onnu thundu rendu nu pesuringa sir.. Tx for the video
Tonga minga parvastrusu linda
Thanks professor. As always it's very useful. What's your view on averaging. Does it help to create wealth in the long term and in reaching the goals.
What averaging?
@@pattufreefincalaveraging the NAV. Buying more when current NAV is lesser than average NAV
That is a form of dip investing. It offers psychological benefits not quantitative as shown before
@@pattufreefincal thanks again professor. when time permits kindly share the link on dip investing.
Mid cap or focud fund which is better ?
thanks for sharing your lessons. I have been seeing your videos for a while now, its very useful. I have a question and pardon my ignorance how monthly investment manually is better than SIP since you also mentioned its not abt market timing. what advantage we have in manual investing over sip
I can change the monthly investment at will and I want to stop investing for a few months because of higher expenses , there is no commitment to a single fund (which is the biggest advantage imo). If there is only one fund, there is it not an advantage but most of have at least a couple and say one is large cap and one is mid cap, I can invest more in mid caps when they are down. Whether this is better or not is secondary imo. I have the freedom to so do. The point is that distributors and AMCs sound as if stopping SIPs is a crime because of conflict of interest. All that said, if some wants to keep their SIps running, it does not matter much as anyway they too much learn to manage risk
@@pattufreefincal Great Sir. your response helps to understand the point. thanks for your time and sharing your knowledge
Sir , why sbi bank blocks investments in small cap funds ?
What do I do apart from this
“Its not possible to generate alpha over index funds” could you elaborate on this?
Hi, what are your thoughts on smallcase, we can select stock here or use readymade portfolio, it has it's own index, and no fee like MF
I will check
freefincal - Prudent DIY Investing yes pattu plz share your views regarding smallcase. Btw awesome video as always ✌🏻👍🏼
@@pattufreefincal Can you provide your view on small case please?
I am watching your educational videos very recently and shared with others. Very helpful. One doubt. Like many I am investing by SIP. Apart from discipline is there any drawback in SIP?
Discipline i not a drawback in SIP!! Please read my response to another comment
@@pattufreefincal After posting my comment I saw your answer from the reply to the other. I understand that freedom and choice in your type of investment with discipline. I did not mean drawback in SIP but lack of our discipline in freedom investment you follow and suggest. Anyhow thanks a lot. I wish more and more investors follow your method
me invested in tata quant and adithya birla life psu NFO now it''s value is -32% down.with out any knowledge we should not invest in NFO
How to review Fund performance if not compared with it's peer??
See freefincal for posts on this wil also post a video
Sir, can you do a comparison of funds available that offer diversification like international equity to lower risk like PPFAS LTE.. etc please ?
compare what and what?
@@pattufreefincal sir, compare other funds which fall in this category(20-25% exposure in international equity), also a different comparison of international equity funds available to us.
2.08 % Monthly (yearly 25%) Return
on Capital of 1 lac
Monthly Compounding
Return After 21 years...???
>>>>> ₹ 1,08,42,000/-
2% monthly is difficult or easy ....?🤷♂🤔
Can index fund give 15 % return what is u r say plz make a vedio???
I dont know if anything can!
Thank you arjun...
I'm getting confused
Sometimes you tell to buy Balanced fund today u told to buy large cap or midcap
Though I support only buying balanced
He didnt tell to buy large/midcap. He used it as an example only
Do you also invest in direct equity.?
Yes but only a small portion
Sir best index fund plz suggest is uti best
When you ask for best index fund, you have failed to understand the purpose of index investing, sorry
Any index fund is ok....
There is no best or not best in index funds.
Still u wan to compare there is a tracking error, which one is less that's the better fund.
Good.
I am planning for mutual fund SIP amount 15000/- per month, don't want 80c as it is already covered.
I have decided below portfolio pl. Suggest it is ok or require some changes. Planning is for 16 year.
1. Axis blue chip fund -2000
2. Icici prod blue chip -2000
3.mirae asset emerging blue chip -2000
4. Loyal standard multi cap fund -2000
5. Mirae asset India equity fund-2000
6. L&T mid cap fund -1500
7.axis mid cap fund -1500
8. SBI small cap fund -1000
9. HDFC small cap fund -1000
Grateful if you please suggest on the above please.
Invest all in motilal s &p 500 index fund
Which app holds for 16yrs ...as groww app only allows 3-5yrs max.. Plz do reply
Middle aged sadist man...utter demotivational person
Better then giving false hope and at end suffering due to that, by the way you can choose not to listen and spend your valuable time for the things which can benefit you
It's not a demotivation. These are some realities we will face as we move ahead. We are an emerging economy now no longer a developing one. So all the immense growth you saw in the past will not be exactly replicated in the future. There is going to be slow down and we need to plan with enough buffer. All that matters is are you disappointed at the end? If you do not want to be, then it's better to be a little disappointed now and invest as much as you can. You can choose your strategy but with the baseline that Pattu suggests. Focus on the asset allocation, well and enough diversification, lesser risk and the target corpus.
AMC distributer spotted..