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Asset Types and Allocation / சொத்து வகைகள் மற்றும் ஒதுக்கீடு
Рет қаралды 107,054
Күн бұрынDifferent asset types in India and US market are explored along with their risk, return potential and recommended allocation in this episode in Tamil. Understanding different asset types help in making certain financial decisions now to achieve our long term financial goal.
Following Questions are answered:
1. If "Cash is King", how much cash can I hold at any point of time?
2. Is "Gold" good investment?
3. How much Stocks and Bonds exposure recommended?
My other Related Videos:
Power of Compounding: • Power of Compounding (...
Building Wealth Series: • Building Wealth Series...
Financial Freedom: • Financial Freedom / நி...
Understanding Sharemarket: • Understanding Share Ma...
Mutual Funds, Index Funds and ETFs: • Mutual Funds, Index Fu...
Recession Explained: • What is Recession? / ப...
Investment Insights: • Investment Insights - ...
LinkedIn: / vijay-mohan-sn
Twitter: / invstmntinsght
References:
Indian Inflation Chart:
www.theglobale...
Good Read on Gold Investment: awealthofcommo...
Historical Gold Price Chart: www.macrotrend...
Historical Gold Price in India:
www.bankbazaar...
Historical USD to INR exchange data:
www.investing....
India Housing Index:
residex.nhbonl...
Case Shiller US National Home Price Index:
fred.stlouisfe...
Indian Stock Market Return:
www.theglobale...
DISCLAIMER:
The content of this video is my own opinions and is for information purposes only. It is not intended as a substitute for professional financial advice. It is only intended to provide education about investments.
#VijayMohan #InvestmentInsights #BuildingWealth
@KanagarajNarayanasamy 3 жыл бұрын
gold rate in US dollars against rupees makes me think more about gold investments. thanks sir!!
@happysaving4042 3 жыл бұрын
Clear explanation!! Your channel will grow bigger heights...
@InvestmentInsightsTamil 3 жыл бұрын
Thank you. Glad you liked the content.
@mvijaysendhil10q 3 жыл бұрын
@@InvestmentInsightsTamil Hi Sir, do you have any template to check the financial planning/level of individuals.
@priyagopal5665 3 жыл бұрын
@@InvestmentInsightsTamil rte r trmememerrrmeereerbbb bbn
@gilly0770 2 жыл бұрын
Excellent content. Could you please do a video on building monthly Dividend paying portfolio as part of asset allocation in US ? I have read about turning ON reinvesting dividend till we retire and turn off after retirement to live off monthly dividends combining with 4% withdrawal rule.
@justbe3708 3 жыл бұрын
very clear, if we study the same subject in the book, it may take more than a month for the average man. The valuable book content is given as Juice here. Thanks to you.
@ramracing2 3 жыл бұрын
One of the best financial channels in Tamil. Very clear and easy to understand explanantion.
@vasantgoal 3 жыл бұрын
எனக்கு நிதி நிர்வாகம் தொடர்பாக அறிவு இருந்தாலும், நீங்கள் விளக்குவது அருமை, இன்றைய நிலை Asset allocation பற்றி உணர்த்தியுள்ளது. தற்போதைய சூழல் விவசாய நிலங்கள் மீது மரியாதை ஏற்படுத்தியுள்ளது, இதையும் Asset allocation ல சேர்த்துக்பொள்ளலாம்
@Maranchezhiyan 2 жыл бұрын
Asset allocation onu earukunu unga video pathu than thayrnjuketan THQ sir,eappa than unga channel play list pathuketurukan,kandipa en family members kandipa teach panuran
@greenthumbs9129 3 жыл бұрын
Very informative session for Tamil audiences. Great work.
@gurukphatty 6 ай бұрын
Sir. Iam following your channel for the past 2years and my investment knowledge grew from 0%to 50%.I should say.Thanks a lot for inspiring and showing us this path..and also I start my investment journey with lndex fund Since 6months .
@InvestmentInsightsTamil 6 ай бұрын
👏🏽
@VijayakrishnaAM 3 жыл бұрын
Wow sir! most underrated KZfaq channel !!plz do more and more videos I became ur fan
@annyimm 2 жыл бұрын
Am from science background,I know nothing about investments now am learning and your's is good in Tamil. Thank you sir.
@balacool1 Жыл бұрын
I think In India real estate is depends on location anna. In city its not giving much return but in many village area now its giving double income in 5 years
@mgvinod2k 3 жыл бұрын
Real investment insights , outstanding analysis and explanation . A big thank you for all your efforts & time for sharing such a wonderful information which makes layman to understand better than jorgans.
@InvestmentInsightsTamil 3 жыл бұрын
Glad you find it useful.
@usilaikirusthavan2869 3 жыл бұрын
மிகவும் பயனுள்ளதாக இருந்த து ஐயா
@jayasakthibharaneedharan5539 3 жыл бұрын
Very clear explanation sir...nowadays your videos are my favorite...we got better understanding but i don't know how to implement this in real life situation....For middle class people how they implement in our life.. Make videos for us sir.. Thank you...
@karthickc1988 3 жыл бұрын
Nice explanation sir👍. Very good tamil . No so much fancy words. All are real words from yours experience 🙏
@mvijaysendhil10q 3 жыл бұрын
Very impressive information. Explaining like a friend/bro/dad. God bless you sir.
@saravan432 3 жыл бұрын
Excellent explanation of asset classes and a perfect summary.. good job 👏 👍🏻
@kamaleshmanogaran5853 2 жыл бұрын
Seriously you are best teacher ❤✌
@sathish2song Жыл бұрын
Your vidoes are amazing. After I watched your video, I bought some ETF from your excel.Where can I buy index fud ? If you can explain difference between buying ETF and Index will be very helpful
@InvestmentInsightsTamil Жыл бұрын
They are essentially same. For long term investment, it is no different. You are fine with ETFs.
@karthickparameswaran4993 3 жыл бұрын
vijayji , will be helpful if you cover how to buy bonds in india and usa in topic , whereby as a non financial person if someone needs guide on how to check for bond list and how to but and what process and dependencies are there.. looking forward for that video
@InvestmentInsightsTamil 3 жыл бұрын
Good suggestion.
@raveendhranathp5758 3 жыл бұрын
Excellent content. Engaging style. Great usefulness. Thanks s ton!
@harshinibansi9686 2 жыл бұрын
Thank you sir! Lots of gratitude to you
@sivamurugesh7737 3 жыл бұрын
Dear Mr Vijaymohan Sir, Thanks for your insights and it a big eye opener for ppl like me to know about stock market. one thing u keep stressing about index funds. How do think index fund growth in India,as you explained the Indian index is having more narrow dips when compared to US. When I read some of the articles they are not talking postive about index funds and they say frequent dips or narrow will offset the growth. Pls share your insights....... A big thanks for your service and I wish your channel grow great heights....
@InvestmentInsightsTamil 3 жыл бұрын
Those articles must be sponsored by mutual fund industry.🤣 India is an emerging market and so it will be lot more volatile compared to US. But then also it means, it has more potential to grow in long term. I would say, do not worry about the dips. Invest for long term. As I said in "Risks in Index Fund", the dips not matter in long term.
@sivamurugesh7737 3 жыл бұрын
@@InvestmentInsightsTamil Thx for the response
@ebenezerbenedict3076 3 жыл бұрын
Very good information Sir. Thank you for the guidance. Good comparison between US and India.Thank you 🙏
@KishoreKumar-ql1pe 3 жыл бұрын
Clear and Simple explanation. Thanks
@DividendIncomeBloodhound 4 жыл бұрын
Real estate and stocks for me are the best.. but this is all great information again! Dropped you a sub
@muthuswamy5449 3 жыл бұрын
Thank you sir it's more valuable for youngsters like me
@purushchennai5253 4 жыл бұрын
Sir your video good its useful 👍. I want more videos for middle class people best investment plan.
@tthahseenali 4 жыл бұрын
Thank you so much! Simple and effective explanation.
@Sikkender02 3 жыл бұрын
Hi Very recently i started to watch your channel. Very informative and lead me guide some finance discipline steps. Please share more videos... Very informative.. highly appreciated...
@InvestmentInsightsTamil 3 жыл бұрын
Glad you find it informative.
@balasubramanian2931 10 ай бұрын
Good content thalaiva!! Refreshed!
@sridharj8303 3 жыл бұрын
Good explanation and its helpful to us
@004vyom 3 жыл бұрын
Hello Vijay Whats your take on Sovereign Gold Bonds in India.. I thought it is worth investing in it for 8 years since Gold rate has always been on the rise.. But this video jeopardised my thoughts!!
@KarthikeyanRamaswami 3 жыл бұрын
US-REITs cannot be classified as High Risk. VNQ Vanguard Real Estate REITs ETF quoted as (4- Risk Rated = Moderate Risk).
@ajayb8730 2 жыл бұрын
really you're a gem to all sir. do more content pls
@AXH24 4 ай бұрын
Thank you
@Groovemingle2024 20 күн бұрын
Sir, my MF portfolio is large cap- 66% mid cap- 22% and small cap- 12% these include debts 3%, hybrid23% and foreign 5% and rest are Equity. Should i continue in same flow or do I need some change ?
@painreliever1728 3 жыл бұрын
Gold return info really good
@mahadevk868 2 жыл бұрын
sir, In the asset allocation, you didnt mention PPF and NPS in india
@jeshraw 3 жыл бұрын
Clear presentation Sir....Thank you..
@InvestmentInsightsTamil 3 жыл бұрын
Thanks and welcome
@chandraprakashmc7741 2 жыл бұрын
Sir clear classification.. one question.. I see many places u mentioned long term in stock market... So what's the figure value of this "long term"..
@InvestmentInsightsTamil 2 жыл бұрын
More than 7 years.
@chandraprakashmc7741 2 жыл бұрын
@@InvestmentInsightsTamil ok sir thankyou
@sriharij4596 3 жыл бұрын
Great video once again. Do you have a video covering Indian bond market. There isn't much resources available about Indian bond market.
@InvestmentInsightsTamil 3 жыл бұрын
I do have a video about Bonds in general. Check, "Share Market /Bonds" playlist.
@goldstarracademy5553 3 жыл бұрын
Sir, Could you please share your portfolio in percentage??
@btthiyagu 3 жыл бұрын
Good video sir..How to buy ounce of gold bar in US? How much need to pay for customs if we carry it to India?
@jaffera3756 4 жыл бұрын
Great job. Do more videos....please
@PremKumar-oq2wl 8 ай бұрын
Nice
@timetravellor5558 3 жыл бұрын
Super explantion sir. Sir, also please explain how to buy rental income property
@InvestmentInsightsTamil 3 жыл бұрын
Glad you liked it. I am not really a Real Estate expert. Can't really share much on rental income property. Sorry.
@abimanyu2047 3 жыл бұрын
நன்றி.. ❤️
@SURENDHIRAN369 2 жыл бұрын
Clear Explain...
@SURESHBABU-cx2jw Жыл бұрын
excellent info.
@siraj6282 2 жыл бұрын
Hi Vijay sir, i am 36 years old, i will achieve my 25x annual expenses when i will be close to 40. I want to know your ideas regarding what percentage should i have in bonds and stocks after getting to the 25x, having 60 percent in stocks seems a bit risky for me...I am looking to quit my job after achieving 25x [for personal reasons]. Your inputs will be much appreciated. Thank you.
@suguind 3 жыл бұрын
Sir thanks for your valuable information kindly talk about cryptocurrency
@InvestmentInsightsTamil 3 жыл бұрын
Watch the Bitcoin series in this channel.
@Bharani204 Жыл бұрын
Sir what is allocation
@WeThePower 3 жыл бұрын
Awesome work sir
@sivanatarajan4874 3 жыл бұрын
Excellent explanation 👌👌👌
@InvestmentInsightsTamil 3 жыл бұрын
Glad you liked it
@pdanielrajr 4 жыл бұрын
super sir professional teacher
@rajuganesanpillai7060 2 жыл бұрын
Thanks 🙏🙏
@vasudevansivalingam8494 4 жыл бұрын
Great info 👍
@kaasupanam619 4 жыл бұрын
thanks and subscribed
@navine1088 3 жыл бұрын
Sir, after watching all your videos, Is it still required for us to approach a financial advisor? (I am taking notes of your videos)
@InvestmentInsightsTamil 3 жыл бұрын
It depends on how comfortable you are with handling financial stuffs by yourself.
@rajukamal 2 жыл бұрын
Hello Vijay guru, What is your take on investing in index funds in India vs US? If we can expect 16-18% returns in India, do you expect 10-12% returns in US + rupee depreciation beat the index funds in India?
@InvestmentInsightsTamil 2 жыл бұрын
No one knows how the future is going to be. I would suggest to have both the exposures.
@rajaramsuganya Жыл бұрын
@@InvestmentInsightsTamil I think where we are going to live matters
@sujatharavikumar3720 3 жыл бұрын
What about NCD investments Sir Please help me
@Venkatesh_J Жыл бұрын
Thank you anna
@shanthir7741 3 жыл бұрын
We are investing as you said in all aspects. But we don't have enough knowledge about stocks. How can we invest in stocks. I need your help sir. 🙏
@InvestmentInsightsTamil 3 жыл бұрын
Do not invest in individual stocks. Stick to Index fund. You do not actually need anything more than that.
@sameerahamed1456 4 жыл бұрын
Bro index fund video poduga
@InvestmentInsightsTamil 4 жыл бұрын
Its already there: kzfaq.info/get/bejne/qsx-i7edm5qse2w.html
@yuvaneshmadrassomasundaram189 2 жыл бұрын
Do you recommend investing in Indian real estate (Chennai) while we are in the US? Any pros and cons related to this Thanks!
@InvestmentInsightsTamil 2 жыл бұрын
I don't. That does not mean that it is not recommended. It is personal choice. Do it if you like that.
@rajukamal Жыл бұрын
I am revisiting these videos and had a doubt Vijay guru. Would you consider retirement funds like 401k, PF in your asset allocation? I am asking because one has to make decisions like contributing to after tax 401k vs other assets.
@InvestmentInsightsTamil Жыл бұрын
Yes, definitely.
@rajukamal Жыл бұрын
@@InvestmentInsightsTamil Thank you for the response.
@AsafSamsudeen-hq8rn Жыл бұрын
Great
@sathya08 4 жыл бұрын
Do you have REITs in India ? If yes what are they?
@InvestmentInsightsTamil 4 жыл бұрын
REITs are at early stage in India. I see just Embassy Office Parks as listed REIT in India: ir.embassyofficeparks.com/investors/investor-overview/default.aspx
@vasudevansivalingam8494 4 жыл бұрын
Is it advisable to keep emergency fund in money market?
@InvestmentInsightsTamil 4 жыл бұрын
Sure. Definitely better than having it in checking account that is not earning any interest.
@vmuruganmurugan1131 2 жыл бұрын
Super sir
@drajeshmail 3 жыл бұрын
Vijay Mohan, In USA, Does paying mortgage considered as real estate investment . Also mortgage 15 years vs 30 years tenure, your feedback on that pls .
@InvestmentInsightsTamil 3 жыл бұрын
It is better not to see that as an investment, but as an utility for our stay. 15 vs 30 - totally personal choice. 15 - if you do not like to be in debt for long. 30 - if you think 3% loan is very cheap for paying it off soon.
@sangeethaselvaraj1949 2 жыл бұрын
@@InvestmentInsightsTamil Sir for FIRE you mentioned to have corpus of 25X or 30X. In that can we consider the value of our house too if mortgage is completed.
@InvestmentInsightsTamil 2 жыл бұрын
@@sangeethaselvaraj1949 Sure. But it is better to exclude illiquid assets as we will not get cash flow from it after retirement.
@sangeethaselvaraj1949 2 жыл бұрын
@@InvestmentInsightsTamil Got it Sir. Thank you so much for clarifying.
@vigneshramesh9901 3 жыл бұрын
Thanks sir
@manikandannatarajan6833 3 жыл бұрын
Hi, you have said bond index fund. I am not clear on this. Are you talking about buying bank bonds / corporate bonds or bond funds (i.e. mutual funds) ? The reason I am asking this, last year I bought some tier II bank bonds. If you give some light on this, it would be great.
@InvestmentInsightsTamil 3 жыл бұрын
I meant bond funds.
@manikandannatarajan6833 3 жыл бұрын
@@InvestmentInsightsTamil மிகவும் நன்றி
@maheswaranr7193 2 жыл бұрын
Hi Vijay..i have a doubt in retrns % calculation. Considering I have 2 FDs, I can think like the total amount from the sum of 2 FDs would give a return of 8 to 9% But if I have 1 mutual fund and 1 index fund, how to consider the annual return from these 2... Should I consider 13 to 15 % for each of them or something different ?
@sivag2032 Жыл бұрын
If it is one time purchase it is pretty similar.
@kgopala 2 жыл бұрын
Sir, REITS fund is available in India?
@RamKumar-so7sr 3 жыл бұрын
Subtitles neraya edathula chart details ha marachiduchi next time atha konjam adjust pana parunga But content worth 🔥🔥🔥🔥🔥
@InvestmentInsightsTamil 3 жыл бұрын
Subtitles is overlay on video. I cannot control it on where it displays. If you are Tamil, disable the subtitle and watch without it.
@RamKumar-so7sr 3 жыл бұрын
@@InvestmentInsightsTamil ✌️
@arvindhemamalini 3 жыл бұрын
Can you explain about bonds in a video
@InvestmentInsightsTamil 3 жыл бұрын
It is already in the channel. Check Share Market/Bonds playlist.
@IronMan-hg4vx 3 жыл бұрын
All your videos are very good but one negative feedback... Neenga adikadi america pathi pesuringa it diverts us and losing track, relate pannika konja kastama iruku... I hope your target audience is indian tamils.
@InvestmentInsightsTamil 3 жыл бұрын
Target audience is Tamils, both in Tamilnadu and America and also anyone who dont mind reading english subtitles. America ku vara first generation makkalaana engala maathiri patta aatkaluku, financial guidance kodukka yaarumey kedaiyaathu. Athunaala thaan oru concepta explain pannum pothu, athu yeppadi America ku fit aahum nu sethu solren. Ungalauku relate panna kastum nu enaku theriyum. Just antha parta skip pannikonga.
@sathya08 4 жыл бұрын
What are the trading apps in India with zero commissions? Like in US we have Robinhood and Webull!!
@InvestmentInsightsTamil 4 жыл бұрын
I am not that familiar with Indian brokerages. But I am hearing lot of good things about zerodha.
@yokanandthirupathi9087 4 жыл бұрын
@@InvestmentInsightsTamil I recently came across Kuvera. It is also good. Zero commission and we can do direct investment. I'm investing in index funds using this app. But, still buying stocks or bonds are not possible. It is suited for Mutual fund investments.
@BLACKMEN-hy2kp Жыл бұрын
👍❤🎉
@adhithyagovindasamy1675 2 жыл бұрын
How to invest in Bonds...? In which platform
@InvestmentInsightsTamil 2 жыл бұрын
Buy debt funds rather than individual bonds. You should be able to do it just like the equity mutual funds.
@adhithyagovindasamy1675 2 жыл бұрын
@@InvestmentInsightsTamil Thank u
@rajasankar5905 3 жыл бұрын
Neenga osho follower ahhh!!!!
@InvestmentInsightsTamil 3 жыл бұрын
Yen?
@freshfilings 3 жыл бұрын
Hii sir.. in which financial firm u had ur career..?
@InvestmentInsightsTamil 3 жыл бұрын
Check my Linked in profile.
@freshfilings 3 жыл бұрын
@@InvestmentInsightsTamil Unga Tamil keka romba nalla irukku sir.. Unga knowledge share panrathukku romba nanri...
@KanagarajNarayanasamy 3 жыл бұрын
sir is it possible to buy US bonds in INDIA??
@InvestmentInsightsTamil 3 жыл бұрын
I believe you need International (Global) account to buy US bonds. Fees could be hefty.
@KanagarajNarayanasamy 3 жыл бұрын
@@InvestmentInsightsTamil thanks sir 🙏
@nanthakumar5084 3 жыл бұрын
Sir How to contact you? Sir small small doubt sir
@InvestmentInsightsTamil 3 жыл бұрын
Send me an email to vm.investment.insights@gmail.com
@baskarm4636 2 жыл бұрын
👍👍👍👍
@vsk78 4 жыл бұрын
👍
@lakshmanansm6162 3 жыл бұрын
Sir I will meet you sir?
@babuanandarajduraipandian610 3 жыл бұрын
Sir Is there any tax or fee need to pay while withdraw money from mutual fund? Pls clarify.
@mahidar100 10 ай бұрын
Who is here after choosing wrong answer in the poll 😅
@jaisonjack 3 жыл бұрын
I think u invest the u tube
@deepaks3570 2 жыл бұрын
U r carefully ignoring the gold growth from low points..entha kenayan peak la irukaappa Thangam vaanguvaan..y r u not taking lowest points
@deepaks3570 2 жыл бұрын
If u say so buying something on d peak will blow u off even for stocks .
@sarvesh-21 6 ай бұрын
i am 21 years old😀
@sureshkumarmukeshkumar9454 4 ай бұрын
Enjoy Ur investment journey
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