Mutual Fund Bilkul Bhi Sahi Nahi Hai

Mutual Fund Bilkul Bhi Sahi Nahi Hai

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Mutual funds are down by 40% due to economic slowdown. Even for people who invested 3yr ago, returns are just around 6% and that too total which means 2% YoY. Even if ppl had kept them idle in their savings account they would have got 3.5-4% YoY return.
Smart marketing (Mutual Fund Sahi Hai), SIPs, attractive ads have spoiled wealth of crores of Indians including me. Suffering heavy losses in the name of market volatility, economic slowdown. Worst gamble in the world- mutual funds

TL;DR- Mutual funds bilkul bhi sahi nahi hai.

38 Comments  |  
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Well, they always said,
Mutual fund investments are subject to market risks. Please read the offer document carefully before investing.
Past performance is no guarantee of future results.
you have singed the docs reading them

When i put money in ELSS for tax saving, i am mentally prepared for upto 30% loss, which other wise i would have to pay as tax.If an ELSS is giving more than -30% return, you are still in profit

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It’s expected. Shares are down by 50-60%. If you want to take benefit then invest more right now.

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karanoshan wrote:

Well, they always said,
Mutual fund investments are subject to market risks. Please read the offer document carefully before investing.
Past performance is no guarantee of future results.
you have singed the docs reading them

i knew that but on seeing past returns i blindly believed..
sensex tumbled to 25k from 40k.. a whopping 15k points down.. and this may worsen in coming days.

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Roushh wrote:

It’s expected. Shares are down by 50-60%. If you want to take benefit then invest more right now.

i cant and i would suggest anyone to take this risk right now..market is bound to fall..when it starts to regain that would be the right time to invest

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JethaLel wrote:

i would suggest anyone to take this risk right now..

That would be a huge mistake but do whatever you want… it’s your money. rolleyes

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Roushh wrote:

That would be a huge mistake but do whatever you want… it’s your money. rolleyes

do u mean i need to invest5 now?

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@JethaLel then y did you invested in mutual fund…..u could have kept in savings account…

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M0HcJO0_ wrote:

@JethaLel then y did you invested in mutual fund…..u could have kept in savings account…

Babita ne bola hoga stuck_out_tongue_winking_eye stuck_out_tongue_winking_eye

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M0HcJO0_ wrote:

@JethaLel then y did you invested in mutual fund…..u could have kept in savings account…

my bad .. i ran over those interesting figures of returns

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Roushh wrote:

It’s expected. Shares are down by 50-60%. If you want to take benefit then invest more right now.

Right, provided you are sure you will come out alive from this pandemic to enjoy the benefits neutral_face

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JethaLel wrote:

my bad .. i ran over those interesting figures of returns

For that interesting figures of return, u need to have bare the risk also. Right?

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JethaLel wrote:

my bad .. i ran over those interesting figures of returns

Koi nai. Now you have experience. Now you ll invest wisely.

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Mutual funds sahi nai tha but ab time aa gaya hai sahi hone kaa. 🙂

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1. Don’t put all your eggs in one basket. Put your money in equity and debt funds. Read about asset allocation for different goals, basically decide your equity allocation based on when you need money.
2. Reduce your equity portion as your goal approaches. Just imagine this : you need 40 lakhs for your child education in future for which you are investing for 15 years and market falls like this. So goal setting and ASSET ALLOCATION is important.
3. Re balance every year or every 6 months to maintain asset allocation depending on your comfort.
4. You can achieve 10% returns in long term, 12% is possible and anything above 12% depends on your luck.

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bikidas2060 wrote:

Mutual funds sahi nai tha but ab time aa gaya hai sahi hone kaa. 🙂

Exactly. This is the time to create wealth.

Whoever can afford to invest some money now, they will easily double, triple or even quadruple their capital in a matter of a couple of years.

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JethaLel wrote:

my bad .. i ran over those interesting figures of returns

If just 3-5 years figures make you this nervous then I can only say that you are being shortsighted. You invest in MFs for 10+ years for things like retirement corpus & education/marriage of children. Here is a list of top performing MFs operating since 1993 & later & have survived the Ketan Parekh scam(first time a scheduled commercial bank collapsed & was merged in OBC,2nd time honor goes to Yes bank for comparison) & 2008 crash.
https://economictimes.indiatimes.com/mf/analysi...

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There will be a crash tomorrow too I guess. So, wait for tomorrow,

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DealBroker23 wrote:

There will be a crash tomorrow too I guess. So, wait for tomorrow,

Crash because of 21 toppo ki salami ( Lockdown)

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Deal Lieutenant
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It’s time to invest as much as possible at every crash. Invest only that fund which u won’t need in next 3-5 years

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JethaLel wrote:

i knew that but on seeing past returns i blindly believed..
sensex tumbled to 25k from 40k.. a whopping 15k points down.. and this may worsen in coming days.

If things go on as they are, Sensex will reach back to 10K

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For small retail investors, equity mutual funds was never “Sahi”. The more secure option for long term investment for most retail persons for last 4 years has been NPS. It partly insulates you from such market risks as it is a combination of both debt and equity and also gives you the benefit of tax savings.
Remember that Share market is only for investing money that you can afford to lose. Equity mutual fund is just a lazy extension of the share market. If you are investing money you can not afford to lose, do not even touch Equity MF or Equity shares.

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panchabhut wrote:

For small retail investors, equity mutual funds was never “Sahi”. The more secure option for long term investment for most retail persons for last 4 years has been NPS. It partly insulates you from such market risks as it is a combination of both debt and equity and also gives you the benefit of tax savings.
Remember that Share market is only for investing money that you can afford to lose. Equity mutual fund is just a lazy extension of the share market. If you are investing money you can not afford to lose, do not even touch Equity MF or Equity shares.

100% investment in equity MFs are anyway never suggested by any financial expert in any top newspaper financial advice column but every one of them do suggest to allocate at least 30% for age group less than 40. NPS seems better because its fund managers are a few handpicked ones by govt with strict instructions to prioritize safety over gains hence the DHFL & IL&FS scams didn’t hit NPS as hard as all other debt funds because being “strict” here means not just blindly believing credit agencies ratings. Check my above post,MFs operating from 1993 & still gave more than decent returns.

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cocay wrote:

Right, provided you are sure you will come out alive from this pandemic to enjoy the benefits neutral_face

If I am not then my family and kids will take benefit of it. That’s why we invest.

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DealBroker23 wrote:

There will be a crash tomorrow too I guess. So, wait for tomorrow,

No crash tomorrow… there will be a rally.

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Roushh wrote:

No crash tomorrow… there will be a rally.

logic please ?

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panchabhut wrote:

If things go on as they are, Sensex will reach back to 10K

As much as I would like to see this but… laughing joy

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panchabhut wrote:

If things go on as they are, Sensex will reach back to 10K

I would like that

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rogerthat wrote:

logic please ?

Dow Jones is up almost 10%
That gives a good idea of what we can expect. We are not in a financial crisis. Or else our markets would have shut down.
It’s a health emergency.
fii’s are selling everyday. That’s causing the turmoil.
Wait for a reversal from FII  and you would wonder how markets don’t weigh much to corona.

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