Do this first: Worry about investing later
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- Опубліковано 25 чер 2019
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Many couples/ individuals are going to be asset rich/ cash poor in their older age with significant chunk of net income going towards a home mortgage. Throw in consumer loans and the investible surplus reduces further. Home equity is not something that one can bank upon, unless we have some 'good' reverse mortgage plans. What say Prof.
Eye opener.. Thank u professor
Halfway through watching this video, I have made a final decision to close off my personal loan. Thank you for helping to clear the clouds!
Unnecessary buying involves multiple pairs of shoes , chappals, shirts , trousers, saris , cell phones, eating out at expensive restaurant, electronic gadgets and list is long ....
In "How to track financial goals" spread sheet, after 1year of investing for retirement, what are the values that has to be updated in 2nd year other than current mothly expense & yearly expense?
When calculating for 2nd year, how does the sheet consider the amount already invested in 1st year?
For Q& A . how does moving out of F&O segment effect a stock?
Cloud kitchen may be a option for secondary income.
I have seen most people invest in a mutual fund per each goal they have. I had this misconception as well as a beginner. But after doing some readings, got to know that having just 2 to 3 fund is enough to manage our equity part of the investment. My question is how to track your investment on say 5 different goals from 2 mutual funds? I have gone through your video about how to track goals and it was very informative but it says about equity and debt as a whole. Would appreciate if you could add this to your QA or a video for it so I can plan better and also it could be informative to all the others who have the same belief . Thanks in Advance.
This is much needed. Please include this in your upcoming Q&A.
There are some debt funds of Banking and PSU funds. There is not much video explaining this category over the Internet. So if you can make a video explaining the risks and returns associated with these funds in this bad phase of debt funds then that would be good. There is also one specific fund in this category by LIC. If possible review it...
Thanks again . Waiting for your views on latest Sebi regulations.
For Q&A : If husband and wife invest from their own incomes and the only goal is retirement+wealth accumulation (all other done), can they have identical Equity MF schemes in their portfolio or is it better to pick different schemes? ( 3 schemes each including ELSS ). What if the parents also start investing child's extra cash (scholarship, gift etc). Same MF scheme choices or different?
Is it good to have 1 large cap for 15 years, 1 large & mid cap for 25 years, 1 small cap for 30 years, 1 multi cap for 10 years & 1 liquid fund for emergency purposes. I am already doing SIP in 1 large & mid cap, 1 small cap & 1 liquid fund. I am planning to invest as SIP in the rest. Will it be a good portfolio? I have not mentioned my fund as I don't want any review on fund. Just want to know about the portfolio.
Hi Pattu,
My question is with regard to an HUF account. I don't clearly understand how it helps in terms of tax saving, it's applicability, utility in one's financial planning journey.
Do you think it is something that a small nuclear family should consider? how should it be used? Will be good to understand your views on it. If you can share some examples it will be helpful.
Sir, Can you please suggest exit strategies in any MF? For equity, one such strategy we follow , is to take profit if I get 15%, in any stock and move it to a fixed income instrument.. pls throw some light
Which is Safest debt fund , liquid ??? Quantum??? and the most aggressive equity fund???
Please make a video on "Middle income Trap" as a continuation of this video
Hey Pattu , it wood be good if you tell something about tax filing in case of mutual funds. Like which section under CG , is used for equity/debt fund etc. It will be good for DIY investors.
Also on how to calculate full value of consideration and cost of acquisition in case of STP etc. It's very confusing.
I am planning to accumulate money to buy a house 10 years down the line can you suggest 2 funds that I can consider for the equity part. What's your thought on SBI focused equity ?
Great sir
Your video r awesome
Sir, What is your view on conservative balanced and equity savings funds...? Can one choose between these for short term...if yes what will be better one.? and if you agree please name some AMC s for each category????
With Regards.
Sir, my asset allocation is thus 70% in fixed income 30% physical gold. Right now, it is impossible for me to attain 60-40% asset allocation in equity and fixed income as it is only recently that I have started investing into equity.Do I need to sell some gold and invest into equity?
Sir, I have a question in taxation and please help if possible,
As a NRI , is it mandatory to disclose the overseas salary in ITR 2 form filing?
Please suggest some method of of saving tax on capital gain out of mutual funds, is it ELSS OK?
Thanks in advance.
Hi Pattu, my query to your "Q&A" is about "Gold" as an asset class, which is well used by most of Indians as we all know as its 1 of the major house hold savings we see around us! For the benefit of all viewers, could you share your thoughts about this precious yellow metal forming part of our portfolio like an alternate to cash & as a hedge etc! what's' your take on it !?
I have a feeling that he's already made a video on this. Please check by searching on his channel page.
Erosion of salary at 10 th shows mismanagement or high dependency or high loans and their interest. Isn't it?
Hello sir , I am young investor and would like to start investing for retirement portfolio I am thinking about nifty + nifty next 50 combo about 60% allocation in NN50 , is this good , do I need any other Category of fund for this portfolio ? Can you suggest which category of mutual fund will be ideal for this goal?
You have a recommendation for ICICI Prudential Arbitrage Fund in Plumbline suggestion.
Please review Reliance Arbitrage Fund in comparison with ICICI Prudential Arbitrage Fund.
Hi Sir
My question for Q&A
How can a person (probably I.T professional) traveling back and forth to onsite invest or what should be the ideal strategy
Should the person bump in more money as and when he gets more income or continue to invest same amount as he was with the income in India.
Ofcourse you pump in money for your goals and speed up the timeline when you achieve. Seems pretty straight forward don't you think
Sir, As a beginner i am getting this affinity to invest only in NFO funds(Be it a Debt/equity fund)and hold those funds for a longer term?
Please throw some light on this type of ideology.🙏🏼
This is like investing in new mutual funds with no track record. It's better to invest in consistent performing mutual funds with good track record rather than nfos
Same as affinity for buying in IPO. Should be avoided as we don't know the performance. All AMC do fancy jargon laced marketing to get the subscription of mf.
very good informtion on basic money management
Sir i hav 20lac in cash should i buy home or invest in mf, fd or in my father's business. Thanks in advance
This can't be decided based on information you provided. It has to be a decision based on your current goals and priorities. Asking pattu isn't reasonable without such information, gotta check with a fee only financial advisor
Hi ,
Greetings
My questions are :
1) Best platform for MF investing. How are new entrants in Direct MFs : Paytm Money and Goalwise
2) Ideal SIP date
Sir, I am just graduated from IITM. I somehow have 3.4 lac. I have invested in Nifty and ITC. I don't have any fixed income component. I thought ITC is good company and invested it for long term. I bought it at 306 and now it's 10% down. Is it safe for me to continue? Or how much should I sell and put it in fixed income?
If you invested for long term why worry about short term pain 🙃
@@PrasannaMunukutla how to manage risk for long term?
Did u still stayed with itc!?
Left ITC when stock fell by 15%