What happens when a bank fails? (தமிழ்)

Рет қаралды 33,121

Күн бұрын

When a bank fails, what happens to our money, loans and safe deposits? Explained in Tamil with English subtitles.
00:00 Intro
00:32 When does a bank fail?
03:50 FDIC
04:26 What happens when a bank fails?
05:54 What happens to our loans when a bank fails?
06:19 Safe deposit box?
06:27 What is the failed bank is not acquired?
06:47 What happens to uninsured deposits?
07:44 What happens to the creditors (bond holders)?
08:09 What happens to the stock holders?
References:
www.fdic.gov/consumers/bankin...
www.fdic.gov/resources/deposi...
www.investopedia.com/terms/b/...
positivemoney.org/how-money-w...
Related Episodes:
USA Bank crisis: • USA Bank Crisis (தமிழ்)
GFC: • Global Financial Crisi...
GFC-2: • Global Financial Crisi...
LinkedIn: / vijay-mohan-sn
Twitter: / invstmntinsght
Instagram: / vm.investmentinsights
Web: vijaymohans.com/
#VijayMohan #InvestmentInsights #bankfailure
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.

Пікірлер: 93

@vigneshmohankumar8398 Жыл бұрын

Love your slang equally as your content... 🎉🎉🎉

@muralidharan.m645 Жыл бұрын

In the way he talks and explaining the concept is awesome 😎💯

@truthwillsetyoufree5463 Жыл бұрын

Great teaching, thank you

@Anbu-Ini Жыл бұрын

Thanks for the simplified explanation boss..

@vivhari Жыл бұрын

Nice explanation with graceful charisma... 🎉🎉

@bharathvajkm5650 Жыл бұрын

Nice explanation. Need a video on explaining the plunge protection team in the US and their working behind the scenes. Today also I guess they came and protected (manipulated I should say) the market from crashing.

@kjkeyan Жыл бұрын

Very informative sir. Thanks

@narainsrividya341 Жыл бұрын

Excellent simple explanation across both SVB episodes. Echo the thoughts from other comments about your interview with Rahul. Great to hear your journey and we can pick some leaves out of your book. 👍

@madhavi9835 Жыл бұрын

Well explained !

@ravinarayanan2010 Жыл бұрын

Very clear explanation

@RajagopalSankaranarayanan Жыл бұрын

Sir awesome explanation this has been a great learning ❤

@rajaa577 Жыл бұрын

Very well explained sir

@arung82 Жыл бұрын

Hello sir your explanation is easy and simple to understand. Thanks for your initiative…

@prajan5971 Жыл бұрын

Thank you so much Vijay 😊

@rajasekarmax6462 8 ай бұрын

Great sir 💯

@SamyUsa Жыл бұрын

Awaiting for "Parthathum Pidithathum" video sir, please make it every week if possible.

@mr.gowtham7950 Жыл бұрын

Your the good explainar

@priyamohan9522 Жыл бұрын

Excellent video and great explanation. All the bank policies are streamlined in US. There only rich take more burden, middle class and lower middle class are spared. Also they follow another good policy which is called progressive taxation. More earnings more tax applicable. But in India a person earns 11 lakh inr per annum pays 30% income tax also a person who earns 110 lakh inr per annum or more also pays 30% tax which is very rude and destroys or at least hurts a lot lower and middle class category

@BeeYemerge Жыл бұрын

5:59 - super expression Mr. Vijay #beeyem

@GokulnathSP Жыл бұрын

Summary : If you have X amount as bank deposits and maximum insured amount for each bank is Y, we need X/Y different bank accounts (if X>Y and put maximum amount of Y in each bank). One account is enough if your X

@dkkalai223 Жыл бұрын

Super sir❤

@thatsoneminuteCUT Жыл бұрын

Thanks

@buthipriyan3872 Жыл бұрын

Brokarage (grow,Angelone,upstocks,zerodha)Dhivaal aana Namma stocks enna aagum 🤔

@jayakanthanmani4793 Жыл бұрын

Your stocks are in your demat account managed by either NSDL or CDSL, it's not held by any brokerage firm. your stocks are safe in decentralised form.

@buthipriyan3872 Жыл бұрын

@@jayakanthanmani4793 Thank you :D

@MukeshKumar-kq1st Жыл бұрын

But your money which was not used for purchase of any share held in broking app will fly away with the broking company

@gomonkey6673 Жыл бұрын

Need a detailed video on this, because Anand Srinivasan highly recommend against these apps quoting to such issues could happen

@arrshath Жыл бұрын

@@MukeshKumar-kq1st First week of every month brokerage should transfer client's unused funds to thier bank account. It's SEBI's rule

@bartperry1262 Жыл бұрын

Congratulations! I went to my bank yesterday to close my account. I was told they did not have the cash to close it. (Only 318,000.00) I was very very upset and called the police. The police showed up and they eventually came up with my funds. If ANY bank can not come up with that amount in CASH within a few minutes, something is wrong. I am so glad the police helped me get my cash out. I went to the local coin shop and spent over 80K in cash for silver. I will be spending another 100K today in Dallas Texas for silver at a bullion dealers spot.

@sudharsanl1725 Жыл бұрын

Govido... Goooovindo... Sir in this situation what to do... I mean in case of uncertainty prevails.. people say diversified investment helps.. when banking sector gets affected all other sectors which are tied to it directly or indirectly will also be affected.... please suggest / share your POVs. Thanks for the clear explanations in your video...👍

@ananthnarayanan9296 Жыл бұрын

Gurunadha! Video for Health insurance in India please 🙏

@baskarmuthukrishnan5998 Жыл бұрын

Super.sri

@prabagaran.s1285 Жыл бұрын

👌👌👌👍👍

@ArunKumar-tj8gl Жыл бұрын

👌👌👌

@thapesKs Жыл бұрын

இந்தியா, சீனா, தென் ஆபிரிக்கா,பிரேசில், ரஸ்யா இந்த நாடுகள் எல்லாம் சேர்ந்து பொதுவான ஒரு நாணயத்தில் வர்த்தகம் செய்வதற்கும் 2018 ல் இருந்து அதை உருவாக்குவற்கும் உழைத்துக் கொண்டிருக்கிறார்கள் என்று செய்திகள் சொல்கின்றன.. இது எவ்வளவு சாத்தியம் மற்றும் இதனால் டொலரின் செல்வாக்கு என்ன ஆகும் என்பதை பற்றியெல்லாம் ஒரு பதிவு போடுங்கள் Vijay Mohan.

@Mylife01759 Жыл бұрын

Vijay can you explain about Derivatives

@shivarajkumar7925 Жыл бұрын

Nice one! In india , banks are insured upto 1 lakh only I guess. Any thoughts or suggestions for people with high deposit on fd or other in indian banks?

@Thaliva123 Жыл бұрын

You talk like Sri Lankan tamil, I wonder if you have Sri Lankan friends in USA. Anyhow, your knowledge is very helpful.

@sm12560 Жыл бұрын

Bro, 2500 shares in credit suisse. Around 15000 dollars pushvanam. Conversion announced by UBS @22.48 shares of CS to UBS. But still have to wait till 2023 end for that to happen. For me, this is second time loss. In 2008 also lost 25000 dollars

@arifsafetyviews3421 Жыл бұрын

Sir, What about life insurance schemes offered by bankrupt bank , can we get back our maturity amount?

@balasubramani1114 Жыл бұрын

Hi Vijay.. please make a video on how the index list like nifty 50 is revised. How will the stocks sold for the company left the list.. Why adani group companies are still listed in nifty indexes even after a major downfall. As index funds are highly recommended now it is good to know on how it operates. Thanks

@InvestmentInsightsTamil Жыл бұрын

Sure. It is in my To Do list.

@priyamohan9522 Жыл бұрын

Also Sir it is said that people with B1 and b2 visas are also allowed to stay, work in US. Is it true,?. If so please share a video regarding this. I'm sure this will benefit all

@ayyappanmuthukrishnan4624 Жыл бұрын

Hi Sir, if we deposited some money in Mutual fund and mutual fund house goes bankrupt or merged to some other mutual fund house due to SEBI regulations, what will happen to our deposit.please reply

@ashwinachu8608 Жыл бұрын

6:02 😂🤣

@rameshr2746 Жыл бұрын

Current account money enna aagum??

@radhamanogari6024 Жыл бұрын

What will happen to PPF accounts if the linked bank is bankrupt

@zigggzaggg Жыл бұрын

Sir, u said the healthy bank which acquired the failed bank collects all the assets(home loans) from people, why cant the healthy bank be responsible for the liabilities(depositors money) too, in addition to fdic, it can give rest of money?

@manimat9994 Жыл бұрын

Anna what will happen stock broker bust We loose all money

@devsanjay7063 Жыл бұрын

6:01 ROFL 😂😂😂😅😁🤣

@Bala4433 Жыл бұрын

Creditor vs depositors whats the difference

@RajeshKumar-qk8ud Жыл бұрын

So when a person retired and deposited the retirement amount in a bank. If the bank got bankrupt after for him this situation is very high risk. So the person has to split the and deposit the retirement amount. Correct me if I’m wrong.

@InvestmentInsightsTamil Жыл бұрын

That is true.

@manimat9994 Жыл бұрын

Anna I am in uk here stock broker pay dividend ever year . If we reinvest divident Manually every year powerof compound work same as normal growth

@InvestmentInsightsTamil Жыл бұрын

The power of compounding concept is just to understand how our investment can grow exponentially over time. A 10% growth of 10,000 is 1000 (resulting in 11,000). The next 10% growth of 11,000 is 1100 (resulting in 12100). We don't have to complicate that concept. The more the time you give your money to grow, the better its growth will be. So yeah, reinvesting the dividends helps. But just because you did not do it, it does not mean you are going to lose the growth from your original investment. It still grows.

@atrocitiesfunworld1435 Жыл бұрын

Hi sir, 5 lacks insurance amount applicable only for FD amount or Saving amount.

@balaji4154 Жыл бұрын

both

@zigggzaggg Жыл бұрын

Sir u are saying that if bank fails the depositors money will be given by the healthy bank which aqcuired the failed bank if not the fdic will give the insured money, is it correct?

@InvestmentInsightsTamil Жыл бұрын

That is correct.

@kandyreddiar983 Жыл бұрын

What will happen to the securities accounts with brokers (e.g. ICICI Direct accounts) if the banks fail ?

@InvestmentInsightsTamil Жыл бұрын

Check the 10th question here: kzfaq.info/get/bejne/g7VygdOLxLqZg4k.html

@gopalkannan4934 11 ай бұрын

உங்களை சந்தித்ததில் மிக்க மகிழ்ச்சி. இந்தியாவில் இருந்து index fund invest செய்வதும், USA இருந்து index fund invest செய்வதும் சமமான லாபமா?

@InvestmentInsightsTamil 11 ай бұрын

India Vs USA: kzfaq.info/get/bejne/kJiTmrZhy8-vaXk.html

@esakkisankar30 Жыл бұрын

I'm new to investment.... I need a clarification in Insurance.... Let's consider there's a company called NM Life Insurance... There I'm purchasing a Term Life insurance policy as per your guidance 😁... Due to some difficulties NM Life Insurance company become Insolvent or bankruptcy (hope my word is right😅) what will the Insurance company now do for the customers???? (Apologies if any mistakes in English Hope you can Understand my English 😅)

@InvestmentInsightsTamil Жыл бұрын

Your english is more than fine. :) If it is a term insurance, we do not have to worry about them going bankrupt. We have to just buy a different term insurance from different insurer. As our money is not locked with them like in a ULIP, their bankruptcy is not going to affect us. But in reality, when an insurance company goes bankrupt, the policies will be acquired by another one.

@esakkisankar30 Жыл бұрын

@@InvestmentInsightsTamil 🥰Thanks for your reply sir.... Love from Esakki Sankar, Tirunelveli. திருநெல்வேலி

@vickysmart75 Жыл бұрын

Sir. Mutual fund expense ratio yearly deduction ah thaana represent pannum ?

@InvestmentInsightsTamil Жыл бұрын

They deduct every day by the end of day (1/365).

@vickysmart75 Жыл бұрын

@@InvestmentInsightsTamil Sorry for repeated comment. 1/365 means ?

@InvestmentInsightsTamil Жыл бұрын

@@vickysmart75 They charge the yearly fees, but for one day (1/365) depending on the end of day NAV.

@meenakshisundarameswaranes2476 Жыл бұрын

US ல ஒரு மாசத்துல கொடுப்பாங்க சரி. இந்தியால DICGC எத்தனை நாள்ல பணத்தை திரும்ப கொடுப்பாங்க? வருஷ கணக்குல அல அலனு அலையனுமா?

@jayakanthanmani4793 Жыл бұрын

Yes you are right, it can even take 10 years or more also. It depends on the bank aquiring it and also the terms it agreed when taking over the bankrupt bank.

@kamalnathan4007 Жыл бұрын

Two businessmen in California talking to each other. First: My wife divorced me and took half of my money. Second: You are lucky. My bank took all of my money and I still have my wife. 🤣🤣

@mr_robot1587 Жыл бұрын

Ayya Redfin nu oru site US la erukam adhu all property value soluum solurangaa unmiyaa

@InvestmentInsightsTamil Жыл бұрын

unmai thaan. Redfin, online broker. Market la irukura houses for salea paakalaam. Zillow.com layum property value paakalaam.

@mr_robot1587 Жыл бұрын

@@InvestmentInsightsTamil ungaa value pakatum naa 😁😁😁😁

@mr_robot1587 Жыл бұрын

@@InvestmentInsightsTamil 🙏

@kalirajan7092 Жыл бұрын

Appo bank-oda shares vanga koodatha sir.. 🤔😳

@srinath710 Жыл бұрын

Anna What about the bank's share holders 😢 .

@InvestmentInsightsTamil Жыл бұрын

Check the last chapter.

@devsanjay7063 Жыл бұрын

It's 😂😂😂gone bro

@esakkisankar30 Жыл бұрын

Hey Alexa... Play voice of Sangu 🐚🐚🐚

@girubs Жыл бұрын

Patta naamam Brother..

@arung82 Жыл бұрын

Pesama panatha bedku adiyala vachikutu thoongalam…🎉🎉🎉

@equitytrader_001 Жыл бұрын

One more trick is there. If we diversify our 20 L money into 4 parts and invest each 5L in 4 diff banks. 2 out of 4 banks got bankrupt means, we will get only one 5L.. Maximum of 5L insurance only.. 😢😢

@GokulnathSP Жыл бұрын

No, actually maximum insurance of each account is 5L, so we will get 10L as insurance in this case so no lose

@Sritrijal Жыл бұрын

Good evening sir, I am from Karnataka, I would like to invest 5000/m IN SIP mode in mutual funds , I selected as below Large cap-1 Index fund-1 Mid cap-1 Samll cap and Flexicap 1 each, Expected return 15% terms 10 years Please suggest

@InvestmentInsightsTamil Жыл бұрын

My suggestions are already here: Equity Portfolio: kzfaq.info/get/bejne/gcpzppZ2vK2upoU.html

@Sritrijal Жыл бұрын

Thank you sir ♥️