The man with integrity. Brilliant as always. 1. ULIP 2. Derivatives - F&O 3. Intraday/Buy Today Sell Tomorrow/Momentum/Swing Trading 4. Active Large Cap Mutual Funds 5. Peer 2 Peer Lending like 12% Club 6. Corporate Bonds 7. Flats/Apartments in 10+ years old buildings 8. Penny Stocks 9. Iinitial Public Offering 10. Cryptocurrency

I have been watching your videos since last 5 years. You have not changed a bit. Really respect your ethics & efforts for making such videos. Keep doing it, it's very rare to find such person with honesty & integrity. Thank you 🙏

1) ULIP (Option:Terms insurance and MF) 2) F&O 3) Intraday 4) Large Chap (Option: Index Fund) 5) P2P Lending 6) Corporate Bond (Option: Half FD Half MF) 7) Old Real estate (Option: Land, New Flat) 8) Penny stock 9) IPO (Option: Watch and buy later) 10) Crypto

Healthcare insurance is a cornerstone in anyone's financial strategy. Ensuring comprehensive coverage not only safeguards my well-being but also protects my hard-earned investments. It's pivotal to secure robust health insurance plans that provide peace of mind, allowing us to focus on growing our Investment without the constant worry of unexpected medical expenses.Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 63 and my husband 65 we are both retired with over $5 million in net worth and no debts. We started late but saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive income. ❤

In case of an IPO, the main benefit is listing gain. There's nothing wrong with this category as long as the selection criteria is right.

I started my investment journey with you in 2020....m growing at a reasonable well pace...thank you Guruji 🙏 You stand by your Dharma

Mark my words, no one on youtube will tell these golden things. Kudos to Panjal Kamra for sharing the best ever advice. Thanks for sharing the things that investors get to learn only after a decade of investing. Croro ki knowledge free me de di bhai ne ... respect ..

only one person at youtube who give us honest advice

Investing bhi ek strategy hai aur Trading bhi ek strategy hai but isko sikhana padega agar kisi bhi chiz me acha karna hai to long term us me tikna padega aur ek habit me dalna padega tabhi ja ke growth dikhega. Jiske pass Kam karne ke liye Rules hai discipline vo acha hi karega lekin Long term best hai wealth creation ke liye na ki short term I'm agree with pranjal sir always. Return jyada na soch ke investment jyada kare to acha return milega. Thank you so much sir❤ 🙏🙏🙏

It becomes hard not to get intimidated by such lucrative options in the market but if one sticks by his values then these options are just another distraction for him. Kudos Pranjal ji for shaking us time and again so that we don't fall in such traps

*❤️Only God knows how much grateful i am. After so much struggles I now own a new house and my family is happy once again everything is finally falling into place!!*

@5:5 5:55 you mentioned 3 types of trading, 1. Intra day 2. momentum 3. Swing You know, there is a significant difference between these 3 ways of trading. Swing trading can be for a few days or a few weeks, Momentum trading can be based on specific indicators value or event driven. Do you think all that is not good? Only long term value investing is good! We admire you, that's why we demand perfection! 😊

I have been watching your videos since last 2 years from rural area...you have not change a bit...love form West Bengal❤❤❤

Following you since 5 years,and generate aunual return of 19% avg in each..thanks for your guidance.. started investing in mutual fund when I was very young at an age of 24 years ,after watching your videos..and still continuing

I think trading can be a good way to make money if you plan when to buy and when to sell. KZfaqrs often say trading is bad, but they don't talk enough about the importance of knowing when to exit. It's interesting to see that many successful investors actually start with trading to make money before they invest in stocks for the long term. So, having a clear plan for when to buy and sell is really important.

Thank you so much Pranjal for your services, I literally redid my whole portfolio (not a big one, but still) based on your videos. Thank you for being honest, simple, humble and kind. You are an inspiration.

हमारे यहाँ तो यूलिप और इन्शुरन्स प्लान रिश्तेदारी बचाने के लेना पड़ता है। रिश्तेदार एजेंट बन जाते है और हमारे पीछे लग जाते है।

Why don't you tell people that how your finology subscription will help people in value investing, what is you USP against others

सबसे बड़ी problem ये है की FD का नाम आते ही हम लोग ये सोच के पीछे हट जाते हैं की लोग हँसेंगे की “क्या आज भी बाप दादा के ज़माने की तरह invest कर रहे हो”. जबकि सच्चाई ये है की FD ही एक इकलौती option है जो हम middle class लोगों को हर तरह की problem से निकाल लेती है।

Hi Pranjal, I have been watching and following you from last 5 years when I started earning. Your advice is always on top. Thanks ❤

What a conservative approach of investing...I think this video is much suitable for retired persons . If we are in our early 30's, why we should not consider good small/mid cap companies with strong fundamentals that could return 20- 25% in long run.

Honestly & loyalty is rare now , respect 🙌 sir

Sir, Point no. 1 : We need a video agar kisi youngsters ne below 30 years agar ULIP Plan me invest kar diya hai toh usko surrender karne me kitna value lagega ?? Because humlog 80 C me paisa bachane ke karan paisa dal chuke hai. Point no. 2 / 3: Already loss 3.5 Lakhs in F&O and trading, wo toh wapas nahi ayega 😢😢😢. Baki me koi investment nahi hai

Thx have just started stocks &MF at a late stage as senior citizen your videos are very helpful

This is one of your best videos! I agree with every one of these on your list!

You are my best financial teacher ❤

You are the best and most honest person on the internet...I have been following you since long time now... appreciate your work ❤🥺

No need to thank me, i am just listing for my self. 1. ULIP plan. 2. Future and options. 3. Trading. 4. Active large cap mutual fund. 5. P2P lending. 6. Corporate bonds 7. Real estate (10-15 years old flats) 8. Penny Stocks 9. IPO 10. Crypto Thank you pranjal for this video, guys please watch full video with his justification about why we should avoid these.

❤ Thanks for your Valuable Knowledge with Your valuable Experience ❤

You missed it LIC plan 😅

Now this Pranjal Kamra is not same which was 5yrs ago whom I started watching. It’s a True review what I think. But still I watch all your videos. Sometimes it feels like you are more to sell your products in half of the content you upload now a days

You are my first choice when I need advice. You are truly amazing guy.

My all time favourite mentor❤❤

I believe IPO wala point is incorrect. Not every IPO is like that. Even I'd say 70% of companies are not like that. Yes you need to research but for the past 3yrs., I have managed to gain a lot through IPO - listing gain. You don't always have to be investing for long term in a stock.

The man with very high values, integrity, humbleness, honesty. No Hate! Only truth and harsh truth!! RESPECT Pranjal Kamra ✅✅💯💯

He has a very transparent and honest look. 😊👏🏼👏🏼👏🏼

স্যার দারুন লাগলো, আপনাকে অসংখ্য ধন্যবাদ ।

Thanks Sir for share your great experiences 🙏🙏

FROM KASHMIR THE ULTIMATE HONESTY AND DIALOGUE DELIVERY. LOVE U SIR

Very well articulated content snd inshort a good gist to avoid blunders in investment. Appreciate your efforts and transparency and your truth

I disagree with the point of Corporate bonds. The mains thing are corporate bonds are to get fixed return you cant get fixed returnin mutual fund Ya your point is absolutely right but you can buy bonds of that companies whose share you own that would be safe bet because you have already done due delligence before buying share. Secondly IPO mai sabse important OFS and Fresh Issue bhi dekh na chahiye... For example Utkarsh Small Finance accha IPO tha promoter bhi acche the discounted rate mai bhi offer kiya tha. Uss IPO mai apply karna banta tha.. lastly crypto galat nahi hai wo unregulated hai iss liye invest nahi karna chahiye. because agar crypto ke baare mai reseach karoge toh acche use case samaj mai aayenge.

PK sir i am big fan of yours because your advice is honest and true i am Nitesh from Toronto Canada if is possible i like to talk to you please sir,

Excellent advice.Thank you for such honesty........rare today

I agree with you. But one thing f&o is not investing it's just like business. This is what I believe.

Pranjal bhai I am one of your great fan I believe we can also cover guaranted income schemes and LIC schemes as well where the effective rate of return is only 5% but people get caught in this trap as well

One doubt with respect to ULIP. what’s the option for people who are in late 40’s & most of the insurance policies got matured. I think for them ULIP is not a bad choice.

bro you hv improved so so much.. ur opinion and videos hv become better and important thing is u actually give good advice

RIGHT PRANJAL. ALL ARE CORRECT. FD must be enough. What is enough. Your two years total expense in my view. STOCK- Reasonable amount. Long term. But if bad is bought then do not keep. Not easy to decide. Property- it should most important if for living. As a investment good but do not bent on Loan EMI. Now a days and way forward jobs are not secured. Also buy in proper location which comming up in case of investment. All these are big matter not easy to explain in few line. Not even few hour. However, this is basic and basic are usually unchanged. My view only.

Thank you PK sir for informative video,

Pranjal Kamra, wisdom's voice so clear, From investments to risks, he steers. Instruments of finance, he decodes with precision, Guiding us all to make wise decisions.

I have done all three mistakes kash ye vedios 6 saal pehle dekh leta

If not crypto then why gold, this way even gold has no intrinsic value leaving the fact that it is a tangible asset.

I respect you Finance Guru ji 🙏

Great video PranjalJi please keep doing such honest videos. These points are never highlighted by other Finfluencers. Yellow 💛 💛 Tshirt as usual bahot achhi dikh rahi hai 👌

Nicely explained and financially educating common Indian, that will save their hardly earned money..Keep it up Pranjal sir

Great video PK. More power to you.

सर मैं आपकी IPO की बात से सहमत नहीं ... वह आपकी बात सही है कि कोई भी व्यक्ति अपनी चीज ज्यादा प्राइस में ही बेचेगा ... एक एग्जांपल आप 40 लाख का फ्लैट लिया और आप ज्यादा प्राइस में यानी कि 70 लाख में बेच रहे हो ... तो मुझे नहीं लेना चाहिए, पर मुझे से कोई वोही फ्लैट 1 करोड़ में लेने के लिए तैयार है। ... मैं आपसे 70 लाख मे फ्लैट खरीद लूंगा सही बात है ना ... वैसे ही IPO होता है। ... ऊस कंपनी का स्टॉक IPO थ्रू में अप्लाई करके प्रायमरी मार्केट खरीद के सेकेंडरी मार्केट बेच दुगा और प्रॉफिट करूंगा ... और IPO में लोग इन्वेस्ट के लिए नहीं जाते लिस्टिंग गेन के लिए जाते ही प्रॉफिट करने। ... इसलिए अच्छे IPO अप्लाई करना अच्छी बात है और और उसे प्रॉफिट बिल होता है। इसलिए गलत बात मत करे

Mai toh ye nahi manta kyu ki me future and option se month me 10 lakh + kamata hu and me 2 saal se trading kr raha hu

Pranjal sir, I have been watching and learning from you for years, and never saw you promoting any betting app or any scam app. Agar ap karte to apke lakho rupee badh jate, par hum logo ke karodo maybe arbo chale bhi jaate because we trust you. Thank you for never spreading false promotions and for providing right finance information ❤

Shi bola bro ❤

A person who said Future and and options are mass destruction that person earn millions dollar from future and options in every quarter in US derivative market 😂😅

I admit all your point but why companies are raised debt from public .... As per SEBI(Issue & listing of debt securities) Regulation, 2008, Large entities as specified in regulation, is required to raise debt from public of its 25% of its incremental Borrowings in a financial year.

Hi, i am from kerala i dont know whether you notice my comment but you made me really interesting about stock market. I have been watching your videos before you reach 1M. and you corrected my misconceptions and exaggerated advices from other you tubers!!!❤❤❤in my opinion your channel 'Intrinsic value' is higher than any channel and May be others have 10M subscribers may be because of their aggressive and easy way to learn about market but subscribers what you have is more than 500M valuable, because they subscribed youe bcse of your honesty and greatness to share true picture of the market ❤❤❤

Absolutely amazing... Have followed you for last 2-3 years. Your way of analysis, neutrality, depth of explaining & off course your expression - really help us a lot...Hope it helps other beginners too... Thank you very much 👍 Keep it up...

all ulips or guaranteed or anything is good or bad, each and every thing has there own prospect. Influencer courses are good if he is selling them. When you think that try no that other person not earn will not make you grow.

Great Person..ऐसे लोग सामने बात करते है, छाती ठोक के, सच ऐसा हि होता है, सर, इस उम्र मै ऐसा काम, वाह्, आपको बहुत आगे लेके जाएंगे, मुझे मेरी गुड़िया ओर लड़के के नाम से 2 -2 लाख इन्वेस्ट करना है, कहा करु सर। मेरा लगभग 2 करोड़ फिक्स्ड डिपाजिट मै है, ओर 10 लाख NPS मै।

Pranjal cannot be more wrong for Crypto. He knows about all the 9 things he discussed but for crypto he gave lots of wrong information. This shows that a person should not talk like expert unless he knows about that subject

Aapka aur wariko ka style kaafi milta hai 😊 Your honesty is so true 👍

Pranjal bahi maine last 2 years se investment se 51 '/, percentage pe profit mein hoon mere portfolio me only 4 stocks I hv but I'm satisfied with my decision

प्रांजल सर, सैल्यूट है आपको, इतनी बेबाकी से अपनी बात रखने के लिए और हम जैसों का मार्गदर्शन करने के लिए । ❤

I must say you an honest and realistic person.I have never invstd my money in crypto or likewise but I am a bit late Comer in this market.ur videos always make me confident.

I dont know why people hate ULIP that much. I find it very good and intuitive. I myself have 2 ULIPs and satisfied with them.

सर! आपने अगर honesty के साथ लोगों का मार्गदर्शन किया ना तो आपको दुउंवाऐं भी मिलेगी ओर तरक्की भी! 😇

Jo selflessly dusro ka accha sochte hain....unke Sath hamesha accha Hota Hai....😊😊

Invest in 'Index Funds' is far better than 'Active Large Cap Mutual Funds'........ Best suggsion sir. I (and surely many others) never thought it like the way you describe. Thanks a lot 🙏

My financial education started after your channel on KZfaq.Thank you for helping many people.Keep going.All the best.😁

bhai is bande k charan kaha hai...u nail in every video of yours....u just make anyone fall for ur advice even if he does not want to cuz the honesty and the resoning u give is just pure!

Good pk Two points I m not agree 1) corporate bond, if Tata and mahindra & mahindra list we can trust them , good rating company we can subscribe bond 2) ipo, if gray market premium is more then 30% then we can have listing gain.

Aaj Tak ka sabse accha video hai a... Bahut valuable video tha Sir... ♥️

I have started investing in share market and mutual fund since 5 year after watching your videos.. it’s really help to plan my future. Thank you Pranjal

Future and option is not regular investment like fd and mutual fund .It is trading and profit earned is consider as a business income.

Public ke mehnat se kamaye hue paise ko bachaya hai aapne , good advice everyone should follow.👍

If someone asks me, what advice I would give to my younger self, I would say watch this video. This video is that precious ❤

Such an honest man...

Brilliant. First time iv subscribed to any channel after viewing 1st video. Great advice, iv lost a lot in derivative trading in initial years of my career.

बहुत सही वीडियो भाई, थैंक यू, तीन साल हो ज्ञे मार्केट में फिर भी इस वीडियो से काफ़ी कुछ सीखने को मिला

101 % Genuine guy

That's why you are my favourite. People love you because of your honesty.

Happy Teacher's Day. You are one of my finance teacher. But regarding cryptocurrency investment, I respectfully differ with you.

Pranjal is among the most honest and ethical finfluencers I’ve come across, and this video also reflects the same qualities. Keep up the good work! 👍

Don't ever lose your USP.. Honesty n Integrity. Very few people like you.

Whatever I know about investing, I've learnt it from your videos. Thanks for educating us. You and all successful investors appreciate Index funds a lot and I wanted to start SIP in index fund but when I checked the returns on internet those were showing very low compared other Cap funds. I am sure it was something in data I couldn't read correctly and I think many like me would have skipped index funds due to this reason. May I please request a video around how to read and validate the information available on internet

Sir please make a video on key entered transaction and rules with it in contrast to rbi the video will really be helpful to us🙏

This is very good list...I'm glad that I already follow it, this video has only reinforced my thought process was right.

i am 39 years old and i have sold and tried and experienced all of this i wish someone had told me about these 20 years back, ❤ Thank You for helping our Youth ❤

Amit Sangwan - Best clarity giver

The cost that a miner pays for mining 1 unit of crypto is the fair value of that crypto. Of course I am talking about major cryptos. What people fail to realize is for btc it will remain above its mining cost which for this halving is aprox $18000. After the next halving the mining rewards will be cut in half so if we don't discover any new power source which might reduce the mining cost drastically btc has only 2 options either the price will increase or the whole btc will fall to zero.

9:00 I am not agree on this part... Sometimes Company needs very large amount of funds which is not easy to get it from banks. Banks may demand more documentary evidences for processing such that much of loan such as ITRs, Monthly and Annual GST Returns, Stock Statements, Projected Financial Statements, Auditors Report... This may increase compliance cost of the company. Further more, Bank also put his nominee director in the compqny's board which may inturrpt the management decisions... Therefore, company has another best option to raise funds from public with offering a little more interest on their debentures / bonds.

To be frank, you are the only financial content creator I trust.

I don't agree for IPO, however it is correct that without any study analysis, huge money should not be invested in unknown IPO.