MUTUAL FUNDS FOR BEGINNERS INDIA ? सही या गलत INVESTMENT ? WHAT IS MUTUAL FUNDS EXPLAINED!!


Hello Friends, You must have heard about Mutual Funds earlier there was Phrase somewhat like “MUTUAL FUNDS ARE RIGHT” And since very long you must be listening Mutual Funds are subject to Market Risk please read the scheme related documents carefully before investing Now the question Arises Is Investing in Mutual Funds is Actually Right? or is it just a risky thing which you must avoid Well i will share some fun facts related to it Till Date, In Indian Mutual Funds there are around 2.57 crore SIP Accounts are there who invest regularly on Mutual funds In fact as per 2019 JANUARY data, Total AUM Means Asset under management or Fund under management it’s value is 2452085 trillion rupees not billion its value is in Trillions if it compare it with 2009, it’s value has increased by 5 times and if compare it with 2014 means in just 5 years it has increased by 2.5 times now by considering these facts, Is it Truly good to invest in Mutual funds? can mutual funds make us wealthy as it shows and said well my last week video was on Intelligent investor on that videos comment many of you’ll asked me to make a video on Mutual Funds and clear the doubts related to what actually mutual fund is ? therefore today i am making a video on mutual funds and hopefully all your doubts will get clear and there’s another reason of making a video on this topic, that reason will get clear at the end of the video Now the Very first thing which i will talk about is WHAT EXACTLY MUTUAL FUND IS? If you have seen my Richest man in babylon book summary then you must be aware if you haven’t watched it then do watch it now in that video i have explained how a poor normal person becomes the richest man in Babylon just by following three simple rules, Now i will share those rules briefly the very first rule out of three was PAY YOURSELF FIRST Means to keep 10 percent of your income, whatever amount you are earning keep 10 % with you and spend your life with remaining 90 percent second rule was to invest the money which you have kept with yourself, means to invest your savings so that money can work for you instead of you working your entire life for that money means in simple words invest your money so that your money grows gets multiplied now a normal person who keeps these steps in mind and save 10 percent money and think of investing then in todays time there are many options which he gets related to investment example: Stocks, share markets, real estate gold etc suppose a man has less amount therefore avoids real estate and he knows that gold is not giving good returns from several years, so he decides to invest in Stocks because investing in stocks doesn’t need large amount and can get good returns as well now i am assuming that you know what investing in stocks means, if you don’t know then link mentioned below so do watch it now lets back to business, Suppose if that man go to share market to invest its not like that he go and invest and immediately he will get profits, no thats not gonna happen however in stocks along with money there are three more things which needs to be kept in mind 1) Risk 2) Time and 3rd and the most important knowledge because from different-different sectors thousands companies buying a share from the company which can give maximum profit or can give profit without any loss, its not an easy thing it requires a lot of knowledge and also needed a lot of time investment which isn’t possible by lot of people hence their risk increases, Normally it happens many people invest in stocks by themselves because of lack of proper knowledge they face a huge loss Well Mutual Funds come in between to deal with these problems in mutual funds instead of investing money in stocks or bonds directly ,You give money to group of experts their work is to invest your money at right time to a right place with the help of their Research & knowledge through which you can get maximum profit without giving your time and Mutual Funds Decreases Your Risk example: suppose there’s a man who has 100 rupees to invest then with that amount he can buy share of only 1 company but in mutual funds, just like that man there are many more people who give money to mutual fund company suppose nine more people give 100 rupees to mutual funds company so mutual fund company has 1000 rupees in total with which they become capable of buying 10 different companies shares which decreases risk, lets understand it again with an example: suppose a man buys a share from one company, if that company faces loss then the money of that person will be drowned in the stock market but because of mutual funds if one company faces loss then too he won’t be in a big loss because his money was invested in different-different companies This thing is also known as Diversification which is done by Mutual funds, it improves your returns chances and decreases your risk now to share what Types of Mutual Funds are i will use GROW App which even i am using for investment now the another good thing about Mutual funds is that they don’t do Diversification only on stocks Diversification can be done in different-different things for now if i share 4 common types of mutual funds the first is Equity Mutual Funds in which principally investment in done only on stocks second Debt Mutual Funds: in this money is invested in things like Government Bonds, Company Debentures and Fixed income assets now what all these things are i won’t explain it here in detail, but the thing needs to be understood is in these types risk are lesser compare to Equity Mutual Funds and obviously if risk is less then for sure returns will also be Less 3rd) Hybrid funds, here money is invested in different-different Asset class example: if 50% is invested in Equity mutual funds then 50% will be invested in Debt Mutual funds now last 4th is Index funds it’s an Passive form of Fund management, in which money is invested in market index means in entire market instead of just selecting few companies example: if you buy index fund of Nifty 50 then any company which comes under Nifty 50 and returns which they will get same return will be given to you as well now which is the best mutual fund amongst this i will tell you at the end of the video now let see whether you should invest in Mutual Funds or Not? well if you think that after investing in mutual funds you’ll become rich in just one day Then sorry thats not gonna happen so forget about it and if you think that mutual funds can make you rich is few years that forget that too but still as per me you should invest in mutual funds because of three big reasons No.1) Rich Dad Poor Dad Robert Kiyosaki has said in His book ” ITS NOT HOW MUCH YOU MAKE BUT HOW MUCH YOU KEEP AND HOW HARD IT WORKS FOR YOU.” Maximum people learn to earn money and with experience they start earning well too but still they fail to become Rich, why? because they learn to spend more, they keep on increasing their liabilities however the very first step of becoming Rich is to know how to save money and should know how to invest that savings same thing is taught to us in the book The Richest Man in Babylon hence when you start investing in Mutual funds somewhere it will make you an Investor mentality person which is really very important Reason No.2) Inflation I still remember when i was in school at that time one vada pav used to be of 3 rupees today that same thing is of rs 10 – 15 You must have heard someone saying” THINGS WERE VERY CHEAP IN OUR TIME.” Today everything is getting so expensive now if we say this more technically Things are not getting expensive but value of money is reducing Why Money value is going down then do watch my video “SECRETS OF MONEY.” for now important thing is every year Money value is decreasing Because of Inflation which is increasing by 5 percent every year means if someone has kept 1 lakh rupees in their cub board then its value today would be around 95000 means loss of 5 percent, hence it is important to invest your money somewhere Mutual Funds is a good option to invest and to avoid the loss of inflation No.3) Compound Effect If i give two options to you first: I will give 1 corer to you or second i will give 1 rupee now which will continuously get double till 29 days Now which option you will choose out of these two Well if you know the Power of compounding then for sure you will choose second option(1 rupee) because that 1 rupee will get 2 rupee in day 2 and in 10th day it will become 512 rupees and in 20th day it will be 5,24,288 rupees But in 25th day it will be 1,67,77,216 rupees and in 30th day it would be 53,68,70,912 rupees This is the power of Compound Effect many people tells it an Eight wonder of the world now an important thing is Compounding power is also used in Mutual Funds means if you invest in mutual funds then you can get the benefits of compounding so because of these reasons and coz of other reasons you can say that yes Investing is mutual funds in right which mutual funds will be right for you, its best if you decide by yourself by keeping your financial needs and status in mind now one more important thing Tony Robbins has written a book on this topic named “Unshakeable” he has written that book by interviewing worlds best investors of the world and had learnt from them in that book he and other great investors Recommends that for us Index funds are the best option Even Warren Buffet Recommends to Invest in Index Funds Why? Because these are Passively Managed Funds and charges of it are very less Example: In it you get till 0.1 percent expensive ratio option which can be good for long run and here human involvement is less hence chances of human errors are very less as you know that no matter how intelligent man becomes, it is very difficult to predict the market hence if don’t choose any specific companies and invest only in Market then results can be better many times if you see a 100 years graph of stock market, then you will notice that ups and downs in stock market is obvious but in long term market slowly and gradually goes up and will go up only hence if you invest in index funds and mutual funds like an Intelligent Investors then in long term you will get profit from it , just need to have patience i remember that i had learned about this very before that we should invest little bit in stock market always but still i never used to invest in mutual funds and index funds because i used to find creating demat accounts and other paper works very complicated but recently i came to know about a company name “GROW” After which i have used that App and Surprisingly i liked that app, i find it cool with the help of it i easily bought mutual funds and index funds just by putting my pan and adhaar details means there wasn’t any need of account or paper works and the best thing about it was GROW IS FREE Means they don’t take commission to buy or sell funds This was another reason why i never invested in mutual funds before because i have read somewhere like these middle-man’s charges a hell lot of commission because of which we can’t see any profit but i didn’t face that problem with Grow if you want to start investing in Mutual Funds or want to start SIP’S Like me in Index Funds SIP Means Systematic Investment Plan means investing some amount monthly on Index or Mutual funds all these you can do Easily Through Grow App i have shared its link in the below description from there you can download it and can use it now to end i have shared these knowledge from different-different books but the maximum information knowledge was from the book Bogle On Mutual FUNDS and Unshakeable By Tony Robins if you have an interest in investing then you must read these books if you want free audiobooks of these books then can take it from seeken.org/audible audible is an amazon company which gives one month free trial and only then charge you now the most important thing This video was made possible by Grow App so if you want to start investing then link in mentioned in the below description from where you can download it and can start your investing Like if you find this video and knowledge useful comment and share the best investment option as per you share this video with people who are interested in investing and love to earn money subscribe and click the bell icon i share such useful knowledge every sunday and finally thanks for watching..

Paul Whisler

100 Comments

  1. IF YOU WANT YOU CAN START INVESTING WITH GROWW LIKE ME : https://groww.app.link/hmV6i0a9VU

  2. क्या groww app में डेबिट कार्ड से इनवेस्ट किया जा सकता है ? कृपया बताये….

  3. Is it true that there is no any changes in groww app in mutual fund?

  4. Like, comment and share our videos and don't forget to subscribe our YouTube channel for more videos about investment and insurance.
    https://youtu.be/irImzvF2BPw

  5. Maun v groww app use krke invest kr rha hu. Main har mahine 2000/- invest kr rha hu. Ab apka video dekh kr index funds me v thoda invest krnga. Thank you

  6. Hello bro. If you are interested to open a demat account in tradebulls securities pvt ltd now it is best for investment to gain daily earning according ur investment ..if u are interested then you call on 9773839607

  7. Very nicely explain all topics Good Job Sir I appreciate your teaching skills

  8. Sir sip main invest karnay k Baad Ko interest withdrawal karna sahi or galat hoga

  9. Bro,also my favorite is index funds bcoz there is no need for stock picking

  10. Konsa mutul fund sahi hai..or risk vala nahi hai..jisme mai invest kar sakta hu plz reply me

  11. Jab hum monthly paise lagayenge to fir kya profit or loss hame monthly he milegaa

  12. Agar ye app bandh ho jaye to invest ki hua paisa ham kaise utha sakenge? Iske bare me app kuch bolenge mujhe jan na he.

  13. Sign up for Piggy and get ₹ 500 as Welcome gift. Here’s my invitation link: https://piggy.co.in/refer/?r=tsaip345&utm_source=ref

  14. Agar koi invest karna chahta hai to paisabazaar.com ka mobile app download kr lo q ki bs paisabazaar hi aapko free advisory provide krta h aapko call aayga vhn se jo bhi aapke doubt ho aap clear kar skte ho or vo aapko aapke liye best funds bhi suggest krte h..paisabazaar.com mobile app is best in terms of mutual funds

  15. Untold facts behind Mutual Fund @ https://m.youtube.com/watch?v=ra1zGHFny-Y

  16. Fundz Bazar is good option for MF investments…. It's easy n paperless

  17. Iam from Pakistan. Bro mra bhai Mutual fund Manager ha. Ajtk mjha wo samjhta raha but mjha samjh nahe ai. But apka explaining way mjha boht bhtr lga. Or samjh ay k mjha q Mutual Fund main invest krna chahea.

  18. M F. Ka koi office nhi hota Kya
    Invest Karne k bad hum Rupey kese prapt karege
    Agar mobile ya fir apps m koi problem hogi to Rupey ka Kya hoga kese milege

  19. bhai aap bhi bik gai.

    Actually asset manager kya karta hai aap ko maaloom hi nahi.

  20. Bro kindly make video on Direct selling and its future impact …books like HOW TO BUILD MULTI LEVEL MONEY MACHINE

  21. मुकेश अंबानी तुझे माझ्यावर खूप सारे उपकार आहेत

  22. Bhai index me invest kaisa kare please explain
    Grow app se b samaj me nahi aara

  23. https://www.youtube.com/channel/UC99l4MDVgG2nm54jBNsEqFg?view_as=subscriber please subsribe

  24. Bro i m a student and i have passed age 18 in march is it right for me plz answer

  25. Agar me pehle se SBI ka mf buy Kiya hoon, toh Kya groww aap me yeh visible hoga

  26. Index fund me pays keyse invest kare iske uper me ek video banao bhai plz

  27. Mutual funds me alpha nam ki ek chidiya hoti h….. Uski wajah se actively managed funds index se jyada return dete h.

  28. Sir Maine 10 k lumsum kiya hai
    To 20 years me 1cr ka goal hai to ye mutual fund me possible ho sakta hai

  29. Hlo sir, agr maine 2 saal tk sip ktwane ke baad, cash withdrawal krwana ho to kya kru

  30. Bhai koi batayega Kya mutual fund paytm money se krna achha hoga Kya.

  31. आपके इस वीडियो पर हजार लाइक बनते है,पर एक संशय आपके द्वारा सुझाये इंडेक्स फंड पर है कि इंडेक्स में शामिल सभी स्टॉक एक उच्चतम स्तर पर होते है ,जिनमे बहुत ज्यादा ग्रोथ की सम्भावना कम दिखती है,बस इस फंड में शायद फंड चार्जेस ही कम लगते है,मुझे इसकी जगह मिड केप फंड्स ज्यादा प्रोग्रेसिव समझ मे आते है,कृप्या इस पर आपका सुझाव दे।।

  32. Please reply…y grow app..I already invested in mutual fund through cleartax invest?..wat should I do now?..are they going to charge smthg while I take my money out?

  33. agar risk high he to kya mera pura jo invested capital he wo totally 0(zero) hojane ki chances h?

  34. 2:17 there is a bank logo in the corner of the left side but bank is not an investment option

  35. Sir main 500rs per month index fund me invest Karna chahta human. Uti index fund me Kaisa rehaga. Sir please reply me

  36. Agar maine investment kiya to agar uspe kuch ve bajat nahi mila to Mera jo investment kiya payesa ve nahi hoga ya hoga

  37. Please make more and more videos on share market, specially on 4 types of funds please explain it more…

  38. Yesterday got my favourite sports car paid in caash with help of MyEasyOnlineJobs .com

Leave a Reply

Your email address will not be published. Required fields are marked *