started watching your videos 4 months back, i must say this 4 months is the best period of my life. my views on personal finance took a u turn towards right direction. 1. didnt have term insurance (instead paying 1.5 lpa on endowment and ulip policies, not sure whether to continue or stop these) 2. didnt have emergency fund 3. had huge bad debts 4. no investments other than pf. i assume i have gained minimum safe Fin knowledge by knowing where i am and what to be done immediately, Also a plan without an action is a mere wish hence completed step 1. Took 1c pure term insurance (per your video). working on steps 2 & 3. Thank you so much for this enlightenment...
@InvestmentInsightsTamil3 жыл бұрын
Thats wonderful to hear. All the best with your financial journey.
@rti589710 ай бұрын
😅
@prabakaranramaraj37753 жыл бұрын
Best time to plant a tree is 20 years ago, next best time is now… So it’s never late and no better time than NOW:-) Well said Mr.Vijay I watched your entire videos in 2 weeks time and subscribed just after 1st video. Keep going I also like your humour every now and then:-)
@mahendrangurusamy14023 жыл бұрын
Agree. Humour in Vijay Sir's videos are the ones making us feel like, why did the video got ended so soon🤔
@sathishramkumar76923 жыл бұрын
முடிவு சொல்ல நான் என்ன நாட்டாமையா ? 👌👌..Make your own decision based on facts...
@arunkumarradhakrishnan77343 жыл бұрын
Vijay, You are one of the best teachers we blessed with🙏💐🏆
@ganpathji3 жыл бұрын
I was thinking about Lumpsum investment today in my mind. Thanks to the universe you came at the right time. Now, I am clear with your facts. Thank you very much.
@DrRaj-un6xh3 жыл бұрын
I almost watched 90% of your financial videos sir. . A huge respect to you for giving us a clear knowledge abt long-term investments
@sundars28193 жыл бұрын
Excellent! Its not just Financial Management...but learning for decision making! "You teach a man to fish, you feed him for life." Just what you have been doing! Thanks Vijay Mohan! Cheers!
@srinath7103 жыл бұрын
To be frank I am still waiting for the market correction.... But this video opened my eye . Thanks sir
@ranjith34773 жыл бұрын
Hello sir. Unga videos la clear ah understand aguthu... but One humble request. Beginners ku oru video podunga sir. Stock market use panra app and yepidi investment pananum like deposit. Ipidi oru video pota... Ena mari beginner's ku rombave helpful ah irukum...🙏
@madhans45793 жыл бұрын
Thanks Anna. If you could cover the difference between index fund vs ETF would be really helpful. Ex- UTI NIFTY INDEX MF vs UTI NIFTY 50 ETF.
@karthikraja39543 жыл бұрын
Looking forward for that analysis @investmentinsights
@murumuth3 жыл бұрын
Very good insights sir.. I have managed to watch almost 80% of your videos in the last one month.. Very useful and methodological.. I am sure I need to watch them again to digest it well... Keep up your good work..
@sudharsanrajendran4603 жыл бұрын
"Influence" .. gonna binge this book soon .. awesome eye opener boss ..! few days back watched Anand sir video about Groww .. just realising I was influenced by his opinion and almost believed Groww was bad eventhought when my mind saying it's not that bad back of my head ..! Thanks you !
@user-if3um7qe8n3 жыл бұрын
Anand sir is a leftist he ll always talk bad about bjp and support dmk
@ramkumar-ol8hi3 жыл бұрын
Groww app matter ipdi yarum cleara explain panala anna 🙏 sema ....n also usefulana information keep guiding us n also one more information shirt today sema perfect 🙏
@ganzee69283 жыл бұрын
You totally changed my opinion on lumpsum investing. The way you simplify things in your explanation + that nakkal humor is superb. Thank you!
@ganzee69283 жыл бұрын
How about investing lumpsum in a short term debt fund and doing a STP to invest in the equity fund over a period of time, say 6 months?
@ananthraj19762 жыл бұрын
உங்களுடைய காணோளி அனைத்தும் அருமையாக இருக்கிறது . உங்களுடைய தமிழ் உச்சரிப்பு சிறப்பு வாழ்த்துக்கள் .👍🏽👍🏽👍🏽💐💐💐
@angelinechandran3 жыл бұрын
Timing the Market ah vidunga... You have perfectly timed this video. More people will have lumpsum from tax return in US.
@InvestmentInsightsTamil3 жыл бұрын
🤣👍🏽
@karthikeyanu62703 жыл бұрын
Apdiye oru $1000 money order ah pottu vidunga Angeline :)
@devsair3 жыл бұрын
Very Good presentation. Thanks. Your speech is unique, underlying with a rythm, which is very interesting.
@balasubramanian29313 жыл бұрын
Way of presenting the content is verithanam.. kalakkunga thala..
@bharathibaskaran33983 жыл бұрын
Excellent topic, as usual, presented with analysis from all angles. Every single nuance addressed :-) Great going, Vijay.
@v.prasath31303 жыл бұрын
Best one as usual.. One suggestion sir; Pl make a separate videos on "When/How to exit a mutual fund!" There are several questions related to exiting a MF arise for beginners, like: What is the producer to redeem a MF and how money will be brought back? Say , once I decide to exit my MF but market is dead low at that particular year, What will happen, years of savings will go in vain? How to manage such situation? Pl enlighten viewers sir! Tq! Keep rocking 🔥
@bharathimuthuraman81823 жыл бұрын
U
@sinap5743 жыл бұрын
Enter into MF investments with GOAL. Let us say that you needed 10 lakhs by end of 2025. However if your MF return by 2023 itself is 10lalhs.... then please withdraw from it and move to safe investments. May be a liquid or debt or even fd is ok. This is my view
@v.prasath31303 жыл бұрын
@@sinap574 tq
@mahesh22383 жыл бұрын
Much needed video from this channel. I was one among the many who raised this question and glad to have a detailed video on this. Nandrigal Pala 🙏
@parimaladeepak43393 жыл бұрын
Perfect timing! :) Thanks Mr. Vijay
@nandhakt3 жыл бұрын
11:33 Anand Srinivasan thaakka pattara🤣
@prabagaran.s12853 жыл бұрын
Influence book 📖 ah padichara vendithan, need to learn to differentiate between facts and opinion, long way to go !!!! Your thoughts are always connecting the dots , and eye opener for new beginning's Sharing your thoughts and opinions , without influencing others , very good 👌👌 skill of public speaking. Keep inspiring us always 👌👍👍👍👍
@paulrajanj3 жыл бұрын
Sir, you relate with statistics and investments. So I would request you to clarify few parameters (for example.odds ratio) which helps to take a concrete decision before investing. Thanks for all your efforts.
@jsinfo81545 ай бұрын
Theoratically, yes, if the time duration of investment is a few decades (investing for grand children?). Most of the middle class may have goals for 10 yr, 15yr or max 20yr. Someone investing for 10 years, may get a heart break if the market tanks as soon as he invests all the money. In case of a severe crash, the recovery may take 4 to 6 years before any profit is seen. We should not ignore the emotional aspect of investing. The rupee cost averaging (incremental investing) should not be used for maximizing the return. It is for reducing the downside risk. For investing around 10 yrs, even a mix of lumpsum (50%?) and remaing in SIP can possibly be a lesser riskier option (havent backtested this idea). Alternatively put the remaining 50% in a short term debt fund (or FD) and deploy the money when the market crashes 30% or 40% which is a very likely scenario in 10 a year period. Not for maximizing the return. But for peace of mind with the expectation of modest return. Just my thoughts, not based on statistics.
@ganpathji3 жыл бұрын
Hi Sir, I am working for a corporate company. In the past five years I am getting only single digit increment. That is even less than a inflation rate. I have put my hardwork and sincere to my Job. But even I am not able to get good increment amount. But everytime my company says your already in the higher scale of salary so we can't give you much (later I came to know they say this to everyone 😀). Please put a video sir, how the salary fixed in corporate for lower, middle and higer management. How to crack good increment? What corporates expect from us?
@justbe37083 жыл бұрын
Wow excellent content and simplified format. My mind voice about lumpsum and split investment, u answered very clearly. Thank you sir
@balajid11864 ай бұрын
Sip is best, athiga cash ah fd la poduga athoda intrest ah sip la potale safe ah earn panalam market high irunthalu low ah irunthalum....
@kanmanidinesh26843 жыл бұрын
Correct ta sonneenga sir.. Thank you so much for your knowledge sharing sessions...
@santhabalamurugan46593 жыл бұрын
Please put your video about ITC
@pgrv1233 жыл бұрын
Dear Vijay, As usual well explained and clearly stated with data. I had asked the question about lumpsum investing few weeks ago and decided to jump in full based on your response. Thanks very much again for your time and sincere efforts.
@sanjeevs31613 жыл бұрын
Thanks to Vijay for yet another great enlightenment on Financial Investment- it’s timing , analysis etc Looking forward to more Q&A videos & I’m positive you’ll do an exclusive session on “investment options for kids in India & USA” 🙏🏻
@lienthu76433 жыл бұрын
Lokkk
@baratharumugam22923 жыл бұрын
Great Explanation about Lumpsum investing, Thanks Sir.
@sdheepan2 жыл бұрын
This is a wonderful explanation for lumpsum vs averaging the market. It has changed my opinion.
@vijayabhaskar.s95423 жыл бұрын
Hi Vijay, Could you please explain about the followings (looks interesting also very confusing) 1. What is Meme stock 2. What is Ape community 3. Who is Short sellers 4. What is hedge fund community 5. What is Synthetic shares 6. Why retail investors going against hedge funds community 7. What is happening in Gamestop, AMC, BB etc... 8. What is short squeeze, Gamma squeeze and Fomo buying 9. What is naked shorting
@srinivasr68253 жыл бұрын
Big Fan of your talk . Vijay you have super clarity.. Keep going 🙏👍
@manigandanc32533 жыл бұрын
Thanks for the subtitles sir. It's helping a lot for physically challenged people
@manikandannatarajan68333 жыл бұрын
Well said. good explanation about lumpsum investment.
@venstomon9313 жыл бұрын
Very good narration.. This gentleman will have very good connect with Tamil audience since he explains concepts very clearly in Tamil.
@bharanimurugaiah2083 Жыл бұрын
Plz explain about how lumpsum works
@kalyan1744 ай бұрын
Excellent way of explaining and inspiring. Great work,Thank you so much.
@selvamanysrinivasan64402 жыл бұрын
Vijay Sir, Based on widely held view, I thought Dollar Cost Averaging was an unshakeable fact for lowering costs. Amazing that you show it is not the case based on data!! I just subscribed to your channel 👍👌
@Spagatti_Monkey3 жыл бұрын
Got all the answers brother🤝. You are the best 🙏🏻🙏🏻🙏🏻🙏🏻
@sanjaybala98173 жыл бұрын
Heading should include Index Funds, Lump sum investment is good for Index Funds only, not advisable to buy individual stocks when market is too high. beginners may misunderstand.
@sivakumarnatarajan37343 жыл бұрын
Almost watched all your videos Mr.Vijay. Very informative and awaiting for your upcoming videos
@MS-xn3ek3 жыл бұрын
Brother Vijay. Kudos to you for educating financial nuances to us. I am very much settled in USA. I Have mutual fund and stock investments more than 50L in india. What is the best way to bring the money back to USA with less taxes. Not able to travel to India since last 2 years due to covid19. Please suggest some good way to transfer money slowly from india to usa. Please advise
@InvestmentInsightsTamil3 жыл бұрын
I am not familiar with that. You might have to talk to a tax advisor or a CA in India to get some good suggestions.
@MS-xn3ek3 жыл бұрын
@@InvestmentInsightsTamil Thank you so much. I will work with CA in India and share the outcome with you here so that others who needs this details can benefit. You are a rockstar bro.
@KalkiKarthik2 жыл бұрын
@@MS-xn3ek Sir, did you find the way to do it? I'm also in a similar situation.
@ganeshbaskaran99112 жыл бұрын
SIP I go for 100% Equity funds. But lumpsum I invest in Debt fund and then do a STP over 1 to 2 years. (Understand I lose out on Capital gain), but used to feel principle is protected... You have always advised "any surplus, not needed for 5 years, put it in Index.". That has definitely made me relook at my approach 👍 Many thanks for all your tips!!!
@karthikeyanu62703 жыл бұрын
100 more Subscribers to 60K Subscribers .. Good to see... 100K vantha udane kandippa treat vaikringa sir :)
@jsanthi91023 жыл бұрын
Sir... Best 5 mutual funds to invest from India video podunga. Like 5 conservative, 5 medium, 5 high risk funds. Based on ur analysis.
@InvestmentInsightsTamil3 жыл бұрын
My recommendation is already in "Stocks Portfolio" episode.
@muniesprabu21863 жыл бұрын
Your way of presentation is very clear and simple..excellent👍
@hanuvignesh43422 жыл бұрын
Suggest good source to buy stock and mutual fund
@diymakeself Жыл бұрын
நன்றி அய்யா ... Freeinfo சயக்கோ கிட்ட இருந்து .. நம்ப மக்களை காப்பாத்துங்க...
@karthikeyanu62703 жыл бұрын
Good video on a right time sir, மிக்க நன்றி :)
@gunasekaranrengaswamy65953 жыл бұрын
Another amazing episode! What a clarity of thought and unbiased views Mr.Vijay, my lumpsum questions got answered well though I didn't raise it with you!
@gurunathamoorthyvenkatasub63853 жыл бұрын
Hello Vijay Mohan.. Very good insight .. appreciate your layman’s term of suggestion and examples for financial planning .. 👌👌👌
@SaravananSekar793 жыл бұрын
You are doing a great job by explaining it simply. Kudos and keep up the good work.
@iamnothing852 жыл бұрын
There is a say that it takes 10 years to see to double your value in investment so if you put lump sum the same consequence. I am not saying it is wrong but your mind would not accept if it just returns like 5 - 10% of the value in a year. Therefore it is best to go constant amount but regularly and there are lots of factor to consider.
@vjcoolbuddy3 жыл бұрын
The influenced opinion was really good sir. Thank you very much for it. Can you try to add this also, maybe as a separate video series.?🙂
@priyamohan95223 жыл бұрын
Great explanation with data regarding SIP and lump sum investment Sir. Mistakes happen everywhere. But if a customer invests directly and mistakes happen atleast customers can go to some extent to claim their money. But with GROWW 0% chances
@meenakumar53732 жыл бұрын
Got a very nice explanation of lump sum investments.. Thanks Bro
@bay_leaf_area14793 жыл бұрын
For the same reason of "Time in the Market > Timing the market" - I plan to invest a lump-sum in 529 next month and leave it for 15 yrs (and follow the Vanguard glide path). Your 529 calculator was pretty handy!
@GokulSriramP3 жыл бұрын
Wonderful data... Was looking for one such data so far.. Thank you so much
@bharathipriya91353 жыл бұрын
Kudos to you sir for clearly spoken about the Groww App issue and also helping people not to get influence of other's opinions... Thanks for recommending an interesting book to read...
@Rraja3603 Жыл бұрын
"There is no single medicine for all diseases" similarly this strategy may work for index investing but not for stocks. According to your theory, let say if someone invested lumpsum in NIKKEI in 90s or in Shanghai index in 2008 what would have happen. Basically i am lumpsum investor, i only invest if i see a undervalue in that investment whether it is a stock or index. If i don't see any value i just hold money. Simple!
@suhag4535 Жыл бұрын
Fact based decision always clear and concise. It is good survey and eye opener sir hats off keep it up. True purpose of education is to train the mind to think - Albert Einstein 😊
@peermohamed80283 жыл бұрын
Thank you so much for your insights Sir.I was about to go with SIP ,now my opinion got changed to lumpsum investment with your historical facts.
@manimuthu39663 жыл бұрын
Hi Bro. This is best video for me. now i am in position to invest INR 5L in Index fund. based on your advice and my own understanding. i am already start investing index fund by SIP. Tq so much for your information and support.
@premkumar81453 жыл бұрын
Sir your examples with explanation was really awesome.....Thanks for your great explanation 👍🏻
@rajanveeramani54083 жыл бұрын
Enlightening, I have made few correction with your insights. Thanks!
@krishnank2283 жыл бұрын
அருமையான டாபிக்!!! செம வீடியோ!!
@unknowns993 жыл бұрын
Sir, awesome explanation. You are so useful.
@prasannasrinivasan42583 жыл бұрын
Fantastic video ❤️❤️ thanks Sir.
@rajuamet3 жыл бұрын
I admire your clarity in explaining the contents.
@somusundaram70843 жыл бұрын
பதினோரு மாதங்களுக்கு ஒரு முறை பத்து சதம் இறங்கும்போது அதற்காக காத்திருந்து முதலீடு செய்யலாமே. அந்த பதினோரு மாதங்களில் சந்தை ஒன்றும் அதி வேகமாக ஏறி விடவும் போவதில்லை, இல்லையா?
@kishoreprabhu8353 жыл бұрын
Thanks for your content brother, you are eye opener for all of us ❤️
@pathmavathim46783 жыл бұрын
Thank you sir.. nalla theliva puriyira mathiri solrenga sir..
@sudhakareeeking3 жыл бұрын
Super Sir. Ur way of explanation is ultimate.
@rajendra13043 жыл бұрын
Thought provoking approach, thanks for making such wonderful videos 🙏
@ajayprab13 жыл бұрын
Excellent video with statistically validated facts!
@kathirr24383 жыл бұрын
Vijay, you have set high expectations. Can you make videos on latest market events? It could be anything about tech,retail,financials,real estate, minerals,biotech,etc... Btw, I also want to ask you about hedge fund mafias. Post at your convenience! Thanks in advance!
@InvestmentInsightsTamil3 жыл бұрын
I try to create content that is relevant any time. I will try as much as possible to not get into current affairs. Saying that, if I run dry on subjects to cover, then can get into latest events.
@kathirr24383 жыл бұрын
@@InvestmentInsightsTamil thanks boss!
@hemar11263 жыл бұрын
Your exercise was an excellent one,it helps in many ways not only in investment, keep up your good work.
@sathiyamoorthyselladurai87453 жыл бұрын
Sema Sir.... clearity very level...thanks for your efforts ...
@mahendrangurusamy14023 жыл бұрын
First Thanks for the LumpSum Investment video. You had delivered what you promised. The video is as usual educating, providing clear understanding and helping us to take our own decisions 👍❤ Bell 🔔 button click pannadhu useful aagiduchu🙂
@janprabu3 жыл бұрын
Wonderful explanation... Thank you for share your thoughts.
@harehare3488 Жыл бұрын
Who are watching this in Mar-23 ? This episode is still relevant?
@InvestmentInsightsTamil Жыл бұрын
It is timeless and still relevant.😉
@balusamy88033 жыл бұрын
Really good explanation fact vs opinion..👍
@tik_tik_tik013 жыл бұрын
Sir US Market is different form Indian market majority of your subscriber from India
@InvestmentInsightsTamil3 жыл бұрын
From lumpsum investment perspective, they are all the same. You will not see anything different in Indian Index.
@iamtheelijah4365Ай бұрын
Still i couldn't understand about share market, no one explained about the share market step by step 🙄
@pradeepanchandra16632 жыл бұрын
Semma advice. Ithu vithyasamaana insight.
@RajaSekar-eu1nk3 жыл бұрын
Sip is intended for monthly salary earners to invest regularly. There is no particular time to invest.
@user-nb1hn9ij2q Жыл бұрын
Another great video! Thank you!
@sanjithkumar14662 жыл бұрын
One big blindspot in this video. Lumpsum may have better chance to beat dollar cost averaging. But during the great depression (i think 10 years from 1930-1940), dollar cost proved to be a better. investment. This is illustrated in the book 'Intelligent Investor'. So, dollar cost averaging provides the safety net as well. Market beat pandradhe venam index la podunga nu solra neenga, 'beating dollar cost' nu solradhu, irony ah iruku... (nagaichuvai :) ]
@InvestmentInsightsTamil2 жыл бұрын
You cherry picked a specific period for your conclusion. You have to look at the whole period to understand the chances. BTW, I am not saying DCA is bad. DCA is good for investing as and when we have the money to invest. But instead if we forcefully breakdown a lumpsum into DCA, historical data shows that it does not come out ahead most of the times.
@karthickc19883 жыл бұрын
Bro I like your videos. Please Update a video with expert about The Intergovernmental Panel on Climate Change. Because ulagam destroy aana namba earn pana money , health epdi use Panna mudiyum 👍
@ranjithsp66793 жыл бұрын
Sir The groww app problem is done by the icici AMC not groww the problem with groww is they didn't put funds in our demat account that led to the controversy. ICICI AMC is more responsible than groww. When your funds are in the AMC they can transfer the funds within their fund house so groww can't take any actions.
@ajithp1113 жыл бұрын
Keep up Mr.Vijay way of talking and explain good
@neelsmoon3 жыл бұрын
Blind following . Fact and opinion, we said sir.
@rajkumarb263 жыл бұрын
Boss...as usual you've rocked in this one too
@sivasankaranmuthukumarasam11242 жыл бұрын
Super sir, like an experienced teacher you explained the details.,