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wasn't financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly basis via my investment and got 5 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made. Great video! Thanks for sharing!

I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?.

I have seen numbers of videos on M. Funds. But this video was an eye opener. U have explained in depth about funds, commisuon how fund managers loot from us.

Index funds been outperforming most portfolios and funds, but that depends on what sector grew the most in the that period you are looking at, fund managers exists for a reason. Passive investing Isa good mix to have to bring your cost down.

I am aware about all those points you have highlighted. Thanks I have invested in total 5 funds -- 3 flexicap, 1 is bluechip and 1 is large mid cap fund. My target is annual cagr of 12% so that I can do swp of 10% (if more returns then add to investment corpus) All my funds are growth and direct investment

Hi Akshat, This is definitely a wonderful video explaining some very key points and demerits of investing in MFs when nobody else has really come out and talked so brazenly about it. However with all due respect I feel you must also have acknowledged some bullet points around when and why MFs are a good choice of investment. You see, a lot of your viewers belong from salaried class and might not have huge capitals to rotate in stocks and be actively involved in doing so in order to make sizeable profits. And that too is a reality! And once they do save up and create a decent corpus, it’s all the more hard to risk it by making financial decisions yourself whilst knowing that you might not be the best at making these judgments. Now, for those who know and are confident, I am sure are doing it themselves - but for others making mistakes (which is inherently a way to learn and get better) in these investment decisions can lead to washed out savings - which can cause a lot more damage than doing any good. And most might not be able to deal with that. Then there are others those who can get seriously affected with ups and downs of markets, and end up losing sleep or get anxieties when markets are not performing good - now these are not tangible characteristics but can have a serious impact on one’s quality of life. So, although MFs might not be a great way to become super rich - 1. They can be a good source of building corpuses slowly with returns beating inflation and inculcate habits of disciplined investing. 2. They might give a person much more peace of mind during market fluctuations. 3. Hedges the risk of washing one’s capital through inadvertent mistakes through stock investment.

1) Do I know when to sell my mutual fund - NO. 2) How do find my mutual fund - Simple p/e checks. Risk o meter. Expected outcome projection shown in MF calculators 3) How much I pay my MF company or Moderator as fees? - I do not have exact value. One regular & one direct sip. Will check these points as improvements from my side. Kudos & credit to your video

Ur 20-30min financial awareness videos are better than bollywood films🤣😂 Kudos to ur efforts&time👍

Thanks for this enlightening video...will review the funds now

Hi Akshat, thanks for this and for adding the English subtitles. You seem well versed in investing and I have one question. As a foreigner in the States and given the times, would it be better to go into into real estates or stocks. I have been confused on the better option and where and how to go about this. Can't seem to find the most appropriate and of utmost importance is higher income and a less time intensive option.

What about flexicap fund? A lot of good flexicaps from PPFAS, PGIM etc. have been giving consistently good returns. PPFAS, for example, invests in large US stocks as well.

Financially stable and free, the confidence of entering a supermarket without fear of getting your card declined has left my body finally

Thanks a ton for this video! As a complete beginner, it really did clear a lot of complex stuff for me and gave me the confidence to invest.

Excellent presentation 👏👏👏👏, For common people… the simple investing in Direct Index Nifty 50 is better than complicated small or sectoral MFs .

Bhai as always loads of info, bole to faad video. This was an eye opener but at the same time I would want to add that for passive investors who have other passions can't keep up with equity, not all can handle the equity anxiety. So for them mutual funds is the best option. Again keep making these videos, kudos to you 🎉🥳

Many funds justify their expenses ratio. If they create Evan 2% Alfa compared to index that is more than expense ratio.

Hi Akshat, does it make sense to invest in Stocks directly and small portion in Index MF as well?

It's always a 👍pleasure to hear you Akshat. Always honest and caring😊.

Akshat, i understand that we shouldn't take past short term performance but Quant beats it's peer performance even on 3, 5 year periods

Meanwhile quant did 40%+ growth after this video.

Hello Akshat, seems you missed to talk about direct vs regular mutual funds. Choosing one over the other, for the same fund, makes a huge impact on the returns.

Watched this video for the first time. You spoke very logical and very nice in explaining. Thank you.

Hey Akshat! This video has been an eye opening moment for me personally. Have been following you for quite some time but this is my first time commenting. The last 30 seconds summarised the entire mutual fund industry in an extremely raw sense. Looking forward to making my set of mistakes in stock picking this year!

Thanks for this informative video. But I would like to add a few observations related to the mutual funds. 1. I have started my mutual fund with a bluechip fund from 2016 which has delivered a return of roughly 13-14%. Back then index funds were not that popular, nor any financial influencers would talk about it. I find the concept of index mutual funds getting popular recently although it is there since long. So I wonder if there may be something else in next 5-10 years of time and then these influencers will start discouraging the index funds. 2. Many people find it difficult to pick right stocks at the right time and it is a difficult task for the retail investors especially for the salaried class. Also we have to check the past return of a company to invest and no one can predict the future return of a company no matter how good it may be, so is the case for mutual funds.

It’ good to have this Amulya knowledge you’re spreading through this platforms. Keep up mate 👍

Akshit... Mutual fund sahi nahi hai... ham logonko koi rasthaa nahi hai... Equity picking & investing requires lot of time and taking such work will be good if we have corpus something like you. Anyhow great video....!! but not such easy way for ordinary investor.. Rock as always 🙌👏

Hey, you make really good videos. Your content is very apt and required at this time. Was just wondering if you can also analyze the property sharing business like Alyf. Is it worth investing in a property sharing model?

Great information. I am in a phase of my life where i am spending more time on getting better at my skills to earn more so investing in MF instead of direct stocks. as you said in your videos " firstfocus on your active income area" and get better at it. Thanks for your videos Akshat, love learning from you🙏🏼

Itna achha knowledgeable apne video me bataya 🙏🙏🙏 But isko thoda Hindi me bataya Hota toh bahut sare logo ko fayda hota🙏🙏

Thanks for this information sharing, Akshay bro !

This was really very informative one. To be honest even I've made the mistake of investing huge amounts on MF by looking at the past results and it makes more sense about that won't be the scenario in the real world. The churning ratio concept was the eye opener. Thank you for making these informative videos as always...🙏

Omg this was eye opening thing. I never thought we are paying 15-20% as commissions on our profit. This is huge. Time to revisit my mutual funds portfolio

Superb info for beginners and skeptic like me. Thank you Akshat 🙏

You should also mention the principle of portfolio balancing in mutual funds

You have guts sir. No one in the entire financial community has targeted a particular mutual fund because they are scared but opened their dark side. You risked yourself for us. Thankyou 🙏🏻❤️

Satish here from Goa.Totally agreed with you your point of view. I myself was able to gain more than 10% returns last year which was better than many mutual funds. My picks included your fav HUL and Ibull hsg which i booked profits.. Thanks for your value added videos.

Very nice sirji,eye opening vdo,we all are completely aware from all 3 Questions.Thanks..

Agree and appreciate only part statements or narrative of yours.

For Small Cap, should we consider an actively managed fund or a Small Cap Index fund?

Hi, please do not influence retail investors by buying direct stocks so that they lose even their capital.In mutual funds at least they are getting 10% with peace if mind.

You are different from others. For the last 7 months, I follow what you said. Heard you first time. Subscribed. It is better to have one bird in hand, rather than two in bushes!

Thanks Akshat. You have cleared my doubts. Direct stock investing ❕

In small cap category index funds are not beating most of other funds.... 70% of small cap funds are beating index in category by atleast 4-5 %,which will make huge difference.. Mid cap index are good enough to invest... But not small cap index... And also in case of large cap, index funds are outperforming just because of last one and half year, which was full of uncertainties .. So in uncertainty all the stocks goes up n down with almost same degree, which beats group of specific stocks choosen with horizon of 5-10 year... Index funds are good but not in case of small case, where thousands of stocks are there to choose from...

On lighter note akshat’s favourite line go sell everything today or sell your house 😅.. best way to communicate 😊 . But Learn lot from akshat

Knowledge, communication skills and empathy for the audience...you offer a great combination, Akshat 👏

Hi akshat, this your video will create inherent resistance in rising share price of your favourite stock hdfc amc.

Nifty 50 index also contain particular stocks which are either not performing well or very insane pe ratio .Active funds will avoids these stock so your return will definitely better than index .But if you solely invest your money in large caps then wealth will not generate ,you need to go to midcap and small cap for it .

Hi Akshat, thanks for sharing such a detail video. Can you also please guide us to few Smallcap 250 index MF/Index ETF and large-cap index MF or Index ETF's.I am unable to find exact match within my AMC's. Appreciate if you can share few tips on how to find and compare Index MF vs Index ETF funds?

Another eye opening video. Thanks bro

Thanks, Akshat ... this was really helpful... you really explained this very well.

Looking at this, I think smallcase is actually a better way to invest. Best smallcase managers may still have AUM less than 100 cr so they can churn and deliver those market beating returns. I have a sense that Akshat will push his smallcase too as most people here are complaining they don’t have time and skills to do direct stock picking!!

I truly liked the information, indeed very helpful in investing your money if one try understanding it in depth. We have to take freequent look at the investment to do the right manipulation... thanks Akshat 👍👍

Very well thought 👏 ùnbiased.

I check my investment in SIP after every 3 months. This helps me in planning which SIP is profitable and which is low on profits. However till date all my SIP have given me on an average 26-35% return which is still invested and will be there for long term.

Nifty 50 is safe and not Nifty Next 50. Good to learn. Lot of interesting points made. Excellent episode.

I liked the last statement...start learning stocks investment...make mistakes and learn

Eye opening video. Thanks Akshat ji 🙏

All the Finfluencers there are talking about Quant mutual funds off late. All these must be paid. Think on your own and take the decision !

If you stay invested for long atleast for 5 years you will surely make money in MF। Atleast same will be better than FD and will better inflation। If fund manager under direct scheme is charging .5% nothing wrong। As market keep getting efficient generating return will becomes difficult for all( whether retail of fund manager) but for sure he will generate better than retail investor. Therefore not entirely agree with view point

Wow.. this was really informative... Didnt expect this... You earned a sub

Excellent course selling strategy. Creating demand for pre-ready supply.

Cool sir. I also made same mistake and started ELSS of quant. Parag also as per your recommendation. But please suggest one more. PPL say mirae is also not good now.

Please make a follow up video on this topic it will greatly help many people. I've invested a lot of money in MFs.

Hello Sir, your knowledge and views are quite valuable and a good guide for common people. I have a request that can you make few videos in Hindi completely or Hinglish to forward them to our previous generation , so they get benefitted too😄

What about smallcases ? Thery also have some annual charges

Thank you for sharing your opinion however it looks like you have some Conflicting interests. The more people try their luck at direct investing the more they may sign up for the products you offer or continue watching you. My two cents, I can be wrong but I help but be skeptical.

There are few advantages of mutual funds. You should not forget these points. 1. You can buy and forget in good AMC which you can't do in individual shares. 2. If individual person do shuffling in portfolio then he need to pay capital gain taxes which is not there in mutual funds. We need to pay capital gain taxes only at the time of redemption. 3. They have access to management. 4. They have priority in exits and entry. I prefer both approach. Large cap buy and forget types shares, I buy myself like Nestle. Rest I prefer mutual funds like elss and small cap and international funds.

Akshat thanks alot for bringing this awareness. All i can do on youtube for you is to thank you 1000 times. Greaat job… Keep it up and may the god bless your family and you a great future…

Very useful information 👏🏻👏🏻

I have been following your videos since a year now. I have never seen you talk about the ins and outs of ULIP plans in portfolio... It would be great if you can make a video the same sharing your views! Thank you

Hi, wanted to know does it still make sense to invest in US stocks if the Indian government has increased tcs from 5% to 20% ?

Thanks so much Akshat..this is really an eye opener for beginners like me

Amazing conversation!

Hi Akshat, What about the smallcase? How is it different than mutual fund? As its more transparent than MFs. I think considering your knowledge and the skills, do you think to apply those by creating a smallcase? We will be happy to subscribe to.

Hey Akshat, As always great video. It would be great if you can roll out any analysis on 1. National Pension Scheme(NPS) as investment & tax saving option, 2. Any other pension options and 3. How to manage our parents retirement fund Thanks

ETFs v/s index Mutual Funds... which is good for long term... please make a video on this

Akshat Can you make a similar video on PMS investing also?

I have been investing in SIP’s through a proper financial consultant for last 18 yrs and CAGR has always been in excess of 15% . Even during the crash of 2020 it went down to 5% ….. anyway you have your views and I have mine

I’ve been investing 40k per month through SIPs since 2017 and maintaining a 20%+ CAGR. I don’t know if I’m lucky but I didn’t have a lot of knowledge, I just looked at the past records and maybe changed some of the funds or the SIP amounts a couple of times based on their performance. Currently I’m quite happy with the returns.

Insightful video. Doesnt mutual fund charge on the current NAV. based on the example they would charge 2% on 1.1lakh right??

My selection of MF is based on logic of Median returns in category over 5 years and stability of Fund Manager

Great video sir, eye opener 😁 great teacher to teach from experience

Very useful video sir.. But my query is your unanswered first question " When to sell Mutual fund?? " And my 2nd question is which is better---- Sensex index fund or Nifty 50 index fund? Pls answer🙏🙏

Akshat, you are so good to explain the things...

Got really interested to see the members community after this video

Hey Akshat, could you please emphasize when to go for Index ETFs vs Index Mutual Funds?

I'm assuming most of your subscribers know the difference between direct and regular plans. But a simple piece of advice would be to invest majority in Nifty 50 index direct - growth plans irrespective of AMC. Also decide on E:D asset allocation, and use that to titrate your portfolio.

Too much masala to digest! Awesome content 👏

Love to watch your all videos

When we sell the mutual funds if our portfolio is 15% in profit and then start over all again .. Then won’t we be losing out in the compounding effect??

Hi Akshat, great video, can you pls do similar analysis of 1) Index ETFs vs Index MFs? Arent ETFs better because they are not actively managed by fund managers yet yield index based returns. 2) Investing in Indian Nasdaq ETFs (like MON100/MAFANG) vs Investing in NASDAQ through Vested (Middlemen who charge their own commission + currency exchange fee + Bank remittance fee etc)

Superb way of teaching us. Thanks a lot

Such a beautiful way of explaining and with nice examples. Thank you. Is it better to go for NFO from good mutual fund houses or buy existing MF where some of the NAV have already peaked and costly???

Hey Akshat, i regularly checkout your PF/investing content, thanks for educating me. I think several folks in mid-30s (incl. myself) can benefit from a bit of wealth building options, especially because we've lost atleast 2 full cycles of ~2x compounding, so please create something on it if you agree with the idea... cheers ps. if there's already such targeted (30s) content then can you direct me to it please

Yeah the commission thing is there. But it is good to have some support from someone right? If we are going direct, who will be there to tell us it is time to go out?

Thank you Akhast i hv got some of my answer which I hv asked .

Motivating people to learn stock market and selling your courses.. index funds for large cap is pretty good

Expense ratio gets deducted irrespective of profit/loss.