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HomeUncategorizedSTOP making these Mutual Fund Mistakes | 5 Must know Mutual Fund...

STOP making these Mutual Fund Mistakes | 5 Must know Mutual Fund Investing Strategies

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Your first exposure to the stock market would probably have been via mutual funds.

But let me tell you a HIDDEN TRUTH about Mutual Funds:
You lose LAKHS when you decide to sell.

In this video, I talk about the Dark Reality of Mutual Funds. Watch it till the end to understand holistically 🙂
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Video Editor: Vallabh Salgaonkar

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62 COMMENTS

  1. 👉 My Investment Summit in Mumbai (4-day power packed event!) [Currently at 20%+ discount for first 100 sign-ups]:
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  2. Financially stable and free, the confidence of entering a supermarket without fear of getting your card declined has left my body finally

  3. I disagree on some points:

    1. most of the mutual funds have less than 0.8% expense ratio and no sales load, so 1-2% is not true

    2. The advertised CAGR is net of expense ratio, means if a mutual fund has returned 14% CAGR for a particular year, it has already deducted the expense ratio from it, and you will get complete 14% (except the taxes off course)

    3 ‘78% MF do not beat index’; I think this statement is misused a lot of times, yes MF might not beat the index every particular year but a simple quick search on tickertape will show you a lot of actively managed funds which have beaten the index over a 10-year period with less than 0.9% expense ratio (some are even close to 0.5%).

    I found great funds with a 10 year CAGR of 17-20% in flexi cap and upto 24% in mid/small cap category by leading fund houses like Axis, HDFC etc which is great tbh and index fund cant even come close to this ( I know comparing index with flexi/mid/small is not fair but if you analyze closely you will see even large cap funds easily beat the index over 5-10 year period)

    All you need to choose is a reliable AMC with a proven track record of that particular fund. Yes, past performance is not guarantee of the future return, but it still is an important metric to look, after all why do we prefer equity over gold, bonds, FD? because it has performed well HISTORICALLY.

    • I believe this data is about US funds about 70pc active funds not beating the index. Came across this in a few books including one by Tony Robbins

    • Tis is a good rebuttal to the video that Akshat made, was expecting a more detailed deep dive analysis into mutual funds however it was very short concise video. Quant mutual funds which was mentioned also has a expense ratio of 0.62%(direct plan) and compared to peers it seems okay. Also i couldnt fnd a single mutual fund in a direct plan with 2 % expense ratio. I also agree that it is reasonably easy to spot the winners in the large cap/blue chip category . And a lot of small cap funds beat the Nifty 250 small cap as suggested by akshat.

    • @@roji_va yes it holds true in a saturated market like US, but in a growing economy like India, finding quality MFs which beat the index is not too difficult, just a simple search on tickertape would shortlist a handful list of quality funds from which you can select

      I found great funds with a 10 year CAGR of 17-20% in flexi cap and upto 24% in mid/small cap category which is great tbh and index fund cant even come close to this

    • If you see ..now all youtubers are targeting to sales their stock market courses . This is marketing where by they create fear and sell their product showing that you do and earn more . reality is different… think

    • Everyone should read your comment, this video of Akshat is not well researched and content is at very high level and not accurate..

  4. Bhai as always loads of info, bole to faad video. This was an eye opener but at the same time I would want to add that for passive investors who have other passions can’t keep up with equity, not all can handle the equity anxiety. So for them mutual funds is the best option.
    Again keep making these videos, kudos to you 🎉🥳

    • why dont you try ‘my money universe’ channel then? he shows all his stocks with analysis. you will get to learn and keep up with them

    • 😂😂 Lolz he is making most of his money through you guys . who has practically no knowledge.. wo kuch bhi bole tum log wah wah bolne aajate ho.. Paisa deke comments karte ho.. 😂😂

  5. Hi, please do not influence retail investors by buying direct stocks so that they lose even their capital.In mutual funds at least they are getting 10% with peace if mind.

  6. Hi Akshat,
    This is definitely a wonderful video explaining some very key points and demerits of investing in MFs when nobody else has really come out and talked so brazenly about it. However with all due respect I feel you must also have acknowledged some bullet points around when and why MFs are a good choice of investment. You see, a lot of your viewers belong from salaried class and might not have huge capitals to rotate in stocks and be actively involved in doing so in order to make sizeable profits. And that too is a reality! And once they do save up and create a decent corpus, it’s all the more hard to risk it by making financial decisions yourself whilst knowing that you might not be the best at making these judgments. Now, for those who know and are confident, I am sure are doing it themselves – but for others making mistakes (which is inherently a way to learn and get better) in these investment decisions can lead to washed out savings – which can cause a lot more damage than doing any good. And most might not be able to deal with that. Then there are others those who can get seriously affected with ups and downs of markets, and end up losing sleep or get anxieties when markets are not performing good – now these are not tangible characteristics but can have a serious impact on one’s quality of life.
    So, although MFs might not be a great way to become super rich –
    1. They can be a good source of building corpuses slowly with returns beating inflation and inculcate habits of disciplined investing.
    2. They might give a person much more peace of mind during market fluctuations.
    3. Hedges the risk of washing one’s capital through inadvertent mistakes through stock investment.

    • I think MFs have a part in portfolio just like FD is emergency fund – once you have some security, you can play with extra money. At least you should not be worried about putting food on table tomorrow. I now want to learn more about direct stock as I have been investing in MFs. Once I learn I’ll see how comfortable I am in moving some money from MFs to direct stock.

    • And this is where the MFDs come. Everyone might be seeing that investing through a broker is losing them on profits but nobody acknowledges the fact that they are the one who can help you in making correct decisions. I have been investing through a broker. I might be giving 1% to them but I live in peace. Whenever I want to invest money or redeem it I just call him and it’s done.

    • @@swapnilsrivastava7659 ᴛʜᴀɴᴋꜱ❤️Ŧᴏʀ ᴡᴀᴛᴄʜɪɴɢ📌
      ꜱᴇɴᴅ ᴀ ᴍᴇꜱꜱᴀɢᴇ ᴏɴ
      ᴡʜᴀꜱᴀᴘᴘ…✙𝟏𝟐𝟎𝟏𝟐𝟕𝟓𝟏𝟐𝟒𝟕 !

  7. I have seen numbers of videos on M. Funds. But this video was an eye opener. U have explained in depth about funds, commisuon how fund managers loot from us.

  8. Hi Akshat, thanks for this and for adding the English subtitles. You seem well versed in investing and I have one question. As a foreigner in the States and given the times, would it be better to go into into real estates or stocks. I have been confused on the better option and where and how to go about this. Can’t seem to find the most appropriate and of utmost importance is higher income and a less time intensive option.

    • Why not both? With the present economy, you should never forget to diversify. Do not put all your eggs in one basket. As one who has been into Real Estates for as long as I can remember, I made my first million late last year from stocks alone (got the services of an expert because I also have time constraints). I also experiment with a couple of other things. Hard to imagine that I had initially refused to try out new possibilities. Good luck.

    • @@thepotter867 …Very sound and realistic. I too have been into both for sometime now and though I won’t say I have lost a fortune, I have squandered quite a lot… You mentioned using
      pros, if its not a problem. do you mind telling who you used or recommending a good one? I could definitely use the help of one right now… I look forward to you
      replying…

    • @@amymansfield8184 Funny enough, I can honestly relate. I don’t know if I am permitted to go into details here, but mine is “Stephen Joseph Kohlhofer” and you could look him up . I’m not so sure he takes on new people right now, but you could try.

    • @@thepotter867 casually strolled into this thread and boom, I know this smallish man. Once attended a fundraiser he was also in attendance here in Vancouver,, calm looking man with with a funny accent,, He’s in the States though, I
      doubt he works with non residents,,,

  9. I am aware about all those points you have highlighted. Thanks

    I have invested in total 5 funds — 3 flexicap, 1 is bluechip and 1 is large mid cap fund. My target is annual cagr of 12% so that I can do swp of 10% (if more returns then add to investment corpus)
    All my funds are growth and direct investment

  10. The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?.

  11. Index funds been outperforming most portfolios and funds, but that depends on what sector grew the most in the that period you are looking at, fund managers exists for a reason. Passive investing Isa good mix to have to bring your cost down.

  12. Thanks a ton for this video! As a complete beginner, it really did clear a lot of complex stuff for me and gave me the confidence to invest.

  13. I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

    • Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money or you could hire a financial expert.

    • Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and I return at least $30k ROI, and this does not include capital gain.

    • How can I reach this adviser of yours? because I’m seeking for a more effective investment approach on my savings

    • The advisor that guides me is Sonya lee Mitchell, most likely the internet is where to find her basic info, just search her name. She’s established.

    • I just googled her and I’m really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

  14. wasn’t financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly basis via my investment and got 5 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made. Great video! Thanks for sharing!

    • I hope to own a home one day. not quite long I started investing. I’m very curious already and need help on how to enhance and increase my returns. Any good investment tips will be appreciated.

    • Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Strategists have been aiding folks in recording gains over 250k just in a matter of months, so I think there are alot of wealth transfer in this downtime if you have someone who knows where to look like i do.

    • SONYA LEE MITCHELL is the manager I use. Just research the name. You’d find necessary details to set up an appointment.

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