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4 Investing Rules Every 20-something Should Follow (and mistakes to avoid)
Рет қаралды 9,385
Күн бұрынIf you're in your 20s and looking to invest your hard-earned money, this video is for you! We know it can be overwhelming to figure out how to start investing, but don't worry, we've got your back.
In this video, we're going to chat about all things investments - rules to follow, things to do, and things to avoid.
So grab your favourite snack and join us as we dive into the world of investing in your 20s. Let's do this!
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@PrateekSinghLearnApp Жыл бұрын
Please make a note of the correction on Dividends in index funds - There are 2 types of funds - growth & IDCW. in the growth fund dividend is re-invested, whereas in IDCW it is paid out to the subscriber.
@a.r4k3sh Жыл бұрын
damn, i had this doubt since very long about what's that IDCW thingy.
@muvvalabhaskar3948 Жыл бұрын
1.emergency fund for 6 months to 1 year 2. Health insurance 3.Term insurance 4.sip in index Just keep it simple good to go
@PrateekSinghLearnApp Жыл бұрын
Amazing Bhaskar :)
@manansolanki4186 Жыл бұрын
10:00 There are some index fund that pay dividends and if not they will invest back to increase the networth of the fund so you are not missing on anything. 15:20 There has been change in consideration in holding patterns , Vijay shekhar Sharma who is a promoter but his stack is also considered as public. 17:24 ELSS is 3 years lock in period. 22:00 Nifty 50 is not top 50 market cap wise company, it's a benchmark that represents India's growth and all sectors have been included also it depends wheather a stock is in futures trading or not and how much free float is available e.g. DMART is way bigger than many of the Nifty 50 companies.
@PrateekSinghLearnApp Жыл бұрын
Correction made and pinned as comment, Thanks Manan 🙌🏼
@sameerdhamija07 Жыл бұрын
Big Fan of your sense of Humour Prateek Sir, agar aaj aap LearnApp nahi chale rahe hote to mostly aapne Kapil Sharma ko takkar di hoti aur aap Comedy show chala rahe hote, I guess..😅😅
@PrateekSinghLearnApp Жыл бұрын
Oh dude, i secretly will start stand up once LearnApp is on autopilot 😬😬🤫
@sameerdhamija07 Жыл бұрын
@@PrateekSinghLearnApp I'll be your first audience..😁
@Prakashkumar-xd3ry Жыл бұрын
I want to learn investing and change my life
@PrateekSinghLearnApp Жыл бұрын
Let’s do it together, do let us know what you would want to learn next…🙌🏼
@MayurCreativeStudio Жыл бұрын
Golden Words By Prateek Sir “Short Term Mei Kuch Nahi Hota” ❤
@PrateekSinghLearnApp Жыл бұрын
❤️❤️
@noopurp123 Жыл бұрын
@HRM FINANCE Still, Short term me kuch nahi hota...The kind of returns you can see in long term, you cannot even imagine in short term...
@stutibhandari5210 Жыл бұрын
so engaging, so informative! 🌟
@funsukwangdoo Жыл бұрын
Good content, keep it up! I predict many more views and subs will come your way
@PrateekSinghLearnApp Жыл бұрын
Thank you 🙏
@sarunpmurali Жыл бұрын
As Far as I know the dividends received by MF from individual stocks are actually reflected in the NAV. So the dividends also add up to the total returns from the MF. This dividend should not be confused with the dividends paid by the mutual fund scheme.
@PrateekSinghLearnApp Жыл бұрын
Have made the correction and pinned in the comment, thanks for replying though
@Adrenalinsingh Жыл бұрын
Awesome video. Very informative
@PrateekSinghLearnApp Жыл бұрын
Glad it was helpful!
@stephensharon1428 Жыл бұрын
Brother thanks for the video I will forward to my son 😀👏👏👏
@TARUNPARASHAR Жыл бұрын
This was fun to watch 🤣🤣🤣
@BiswajeetSahoo-jp8ro Жыл бұрын
I really enjoyed this new concept of this show. It's just I feel like the organisation of ideas could have been better and also like a set flow of ideas would have made it even more interesting. Nevertheless I really am excited to see next such episodes.
@PrateekSinghLearnApp Жыл бұрын
Feedback noted
@vlogsofwanderlust Жыл бұрын
30 series v kijiyega . Love your videos . Boostups my investments ❤
@PrateekSinghLearnApp Жыл бұрын
Good idea, will do
@abhrarajchanda5514 Жыл бұрын
10:18 Bhai in index fund either etf price or through mf NAV, if you get dividend the price of etf or the NAV in mf gets factored in it. So you're not losing in dividends. They get adjusted in the price.
@smilefoundation7278 Жыл бұрын
yes, Prateek may be confused at that time. NAV reflects all the actions.
@PrateekSinghLearnApp Жыл бұрын
Thanks for pointing out Abhraraj Have pinned it in the comments
@jinalsinghvi7673 Жыл бұрын
Very much Helpful Video. Waiting for the next video
@PrateekSinghLearnApp Жыл бұрын
Thank you!
@chandanck3806 Жыл бұрын
This is great. Can you do it for different age groups like 30s 35s etc
@PrateekSinghLearnApp Жыл бұрын
Will do it 🙌🏼
@utkarshjha657 Жыл бұрын
How to change bank account linked with trading platform (if needed)?
@k3shavGupta Жыл бұрын
Hey I am 18 I have started investing 1000-2000 bucks in stocks and crypto any investment advice . I mostly invest in nifty companies, Bitcoin and ether
@MitraMainak Жыл бұрын
Dividends in Index investing are reinvested back, The only difference is that the Growth Plan is more tax-efficient than the Dividend Reinvestment or IDCW Reinvestment plan. Index Fund beats most of the Top100 stocks related mutual funds , but for midcap and smallcap the actively managed funds mostly perform better than Index funds.
@PrateekSinghLearnApp Жыл бұрын
Correction made and pinned in the top comment
@MitraMainak Жыл бұрын
@@PrateekSinghLearnApp Learners we all are
@bhanuprakash128 Жыл бұрын
which is better in returns etfs or index funds because both do same thing but expense ratio varies a lot?
@pradeepp9904 Жыл бұрын
Both are good, returns are similar more or less, but before investing in etf make sure it is liquid enough to buy and sell at right price. Example niftybees is popular and very liquid
@PrateekSinghLearnApp Жыл бұрын
The difference in returns is not worth this research. However, ETFs maybe giving that extra 0.01% that you are looking for
@anirbandatta3758 Жыл бұрын
Cant say its a good video as lot of wrong information is there. Please do your research properly before educating others. Even in pinned comment you have not rectified all your mistakes as of today. (one of them is ELSS lock in period is 3 years )
@krishnans4714 Жыл бұрын
Just copy nifty 50 each stock weightage wise and invest we get divident, so in our portfolio we have 50 stock.. Is it good prateek sir??
@AbhishekYadav-he4eg Жыл бұрын
Yeah great advice, loved it, but all I need now is a job and I am set.
@PrateekSinghLearnApp Жыл бұрын
Would this be your fist job? What do you think you are good at
@AbhishekYadav-he4eg Жыл бұрын
@@PrateekSinghLearnApp I am very good at consuming content and finding new ways to procrastinate, Fuck, I didn't know you guys will reply, I don't even have a resume. I am probably unemployable right now, you guys take care, take my advice and please don't reply to such comments its hard on people like me and now I will regret that I missed an opportunity. take care
@PrateekSinghLearnApp Жыл бұрын
hahaha, Abhishek, we wish you the best. And don't think too much be a doer and you will definitely find your way.
@ShriSamridhi Жыл бұрын
Which one is more beneficial to invest nifty 50 index fund or Equity & gold smallcase
@PrateekSinghLearnApp Жыл бұрын
Nifty 50 is the easiest way to get started
@sauravsajeendran3939 Жыл бұрын
i would like to know whats your opinion about investing in the 20s and start trading by pledging the stock by 30s without any job , full time trader . now i have studied many things through many platform and i will get 10 year experience . how would you say ?
@PrateekSinghLearnApp Жыл бұрын
You could start investing in your 20s, or rather you definitely should! There are different strategies out there which are around pledging your existing share & using that capital to trade in the markets. This definitely seems like a way forward.
@anikdas4838 Жыл бұрын
Hi, I am really confused about the term option trading and the taxes included in trading.. if you could guide me it would be really helpful and I will be highly obliged..
@PrateekSinghLearnApp Жыл бұрын
Hey Anik, In order to understand what Options trading is, you could read our blogs by visiting blog.learnapp.com/ where we have covered most of the basics of options trading. OR Join the Options Prime where you go all the way from understanding basic concept like call and put, how are premiums calculated and create a backtested system - all of this in just 2 Days. And guess what!? It's absolutely free! Apply here: workshops.learnapp.com/optionsprime
@anikdas4838 Жыл бұрын
@@PrateekSinghLearnApp it would be great if you could make a video about it
@jack-uq3wn Жыл бұрын
1:05 jese jay shah ne banayi 🤣
@PrateekSinghLearnApp Жыл бұрын
Hehe
@himanshubokade Жыл бұрын
Sir please explain SLB mechanisim in the market
@A2fingyan Жыл бұрын
ELSS lockin is 3 years
@PrateekSinghLearnApp Жыл бұрын
Noted
@TheCuriousCurator-Hindi Жыл бұрын
It's surprising to know ki elss ka lock in nahi pata inko. Either ways content is educational for most videos.
@PrateekSinghLearnApp Жыл бұрын
Arrey sorry about that my mistake, I have terrible memory 🫣
@pravinshende9732 Жыл бұрын
How many no of Nifty bees are available in market, like there are limited no of shares of reliance or any other company..
@PrateekSinghLearnApp Жыл бұрын
No not limited, but why would you ask that? Trying to understand your context
@pravinshende9732 Жыл бұрын
@@PrateekSinghLearnApp I trade in option. And I want to use niftybees to hedge nifty option/fut. Also interested to invest in eft. So before using bees to trade wanted to know more about it.....
@a.r4k3sh Жыл бұрын
Which is a better option an ETF or a passively managed Mutual fund ? How to allocate the salary in different parts let's say Expenses, Emergency Fund, Investments and in how much proportions, is there any rule to follow ? If doing SIP, will it be enough or do we have to increase it Year after Year, just like how the Salary goes up year after year ? Let's say i don't buy all this and say if want to go DIY but i want to secure my future with slightly greater returns than passive investing obviously by SIP but there is a limited money available each month after all the kharcha, if yes then how can someone go through all that, are there any playbooks available in the world of Personal Finance ? How to stay calm in the market crashes, every now & then someone in their 20's get's distracted very easily, i'm talking about majority but there are odd ones who takes charge of their future in the early age with proper wisdom & practice, how can someone stay invested each month, is there anything like auto debit, like salary credited, amount debited towards SIP, just like EMI's ?
@PrateekSinghLearnApp Жыл бұрын
Hey, don't worry too much about ETFs or Index funds. Doesn't make too much difference. And yeah there are some simple thumb rules you can follow. Save at least a minimum of 10% of your income, First allocate your savings to buying insurances (Health & Life), then save for a liquid emergency fund (6*monthly expenses). I hope this makes sense :)
@a.r4k3sh Жыл бұрын
@@PrateekSinghLearnApp this is quite simple, I was unnecessarily getting worried, thank you.
@MD-izwatching Жыл бұрын
ELSS is 3 Years Locked in not 5 Years.
@PrateekSinghLearnApp Жыл бұрын
Correct thanks alot
@pirates8883 Жыл бұрын
Nifty bees me small invest kare toh charges in longer term sip se jyada honge ya kam
@PrateekSinghLearnApp Жыл бұрын
We can backtest this but you cannot take it as a thumb rule for future investments also depends on the fund that you are comparing it with
@maheshshaw3148 Жыл бұрын
Is it possible to make 10%in a month for a long 10 year by trading or somehow
@PrateekSinghLearnApp Жыл бұрын
No it’s not this is an incorrect expectation. Mahesh, do something for me. Goto google and find a compound interest calculator and put in an initial capital of 1L and 10% monthly return compound this for 10 years and tell me the answer. This will make you realise what a large number you are targeting and why it’s unrealistic.
@nishantpratapsingh6628 Жыл бұрын
927 crores approx., from 1 lakh in 10 years. 🎆🤗👏
@bharathkumarn502 Жыл бұрын
Bhaut Dard hua re🤣
@PrateekSinghLearnApp Жыл бұрын
Hahaha bharath
@harshitbelwal9925 Жыл бұрын
Can I know what is your official mail address from which we are supposed to get the reply for the form we have filled. And what is the approx date?
@PrateekSinghLearnApp Жыл бұрын
Hey you can reach out to us at help@learnapp.co For application status related to Prime, we send updates via Email/ Whatsapp.
@amitkumar-vk5yt Жыл бұрын
I hope the content is scripted . Prateek Sir loved the content 🥰
@PrateekSinghLearnApp Жыл бұрын
Thanks Amit 🙌🏼😂
@CollinDavis Жыл бұрын
I am 35. Why am I even watching this video?
@PrateekSinghLearnApp Жыл бұрын
Probably teach someone in their 20s how to go about investing post watching this video?
@uunistu8006 Жыл бұрын
How much greedy someone should be in their 20's 😄?!
@PrateekSinghLearnApp Жыл бұрын
We all wanted everything for nothing in our 20s, nothing wrong in it….I too was like that it’s human nature but I guess now we have good sources in the internet to teach us otherwise
@uunistu8006 Жыл бұрын
@@PrateekSinghLearnApp So it will be ideal to strive efficiency.. but let's see.. Keep providing such stuff 👌 🙂
@tejnp Жыл бұрын
ELSS lock-in for 5 years.. Ha ha.. Lost all trust on data you present on this channel. Pls post correction for ELSS lock-in period... And shocked to hear you repeated it 5-6 times.
@Rohan-cw3wp Жыл бұрын
DMART AFFLE INDIA EQUITAS SMALL FINANCE BANK 🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥
@yursfraandly9783 Жыл бұрын
QuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestionsQuestions
@PrateekSinghLearnApp Жыл бұрын
You missed the mark
@vijayraj458 Жыл бұрын
Do a video on black Rock 🪨 And how this company make 💵 🤔
@PrateekSinghLearnApp Жыл бұрын
Ah interesting ok
@vijayraj458 Жыл бұрын
I want to learn investing and change my life 🪂
@PrateekSinghLearnApp Жыл бұрын
Wohooo
@thedood5665 Жыл бұрын
What's the actual diff btwn investing in passive index fund & buying ETF?? which will profit in long run
@muvvalabhaskar3948 Жыл бұрын
Etf price fluctuation is there through out the day but in mutual fund NAV changes only at end of day . And you can sell etf just like stock but for mutual fund you will get money after 2 or 3 days
@PrateekSinghLearnApp Жыл бұрын
On point Muvvala, hope that clarified your doubt dood
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