Simple Money Rules You’ll Actually Follow for 15+ Years
Published: 2024-12-25
Status:
Available
|
Analyzed
Published: 2024-12-25
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 0
Prediction
Topic
Status
Achieving success in the stock market slowly takes 15-20 years, while a hurried approach takes 25 years.
"if you want to make money in the stock market, then if you want to do it slowly, it will take 15-20 years and if you are in a hurry, it will take 25 years."
Pending
A slow approach to making money in the stock market requires 15-20 years, while a quick approach demands 25 years.
"if you want to make money in the stock market, if you want to do it slowly, it will take 15-20 years, and if you are in a hurry, it will take 25 years."
Pending
A promise is requested from investors to never stop their SIPs, regardless of external circumstances, and to not withdraw money from them.
"I have one request from you, whether you do SIP of Rs.000 or Rs.2000 or Rs.5000, today you have come on this platform, you have come to this session, you make one promise to me, no matter what happens in the world, I will not stop this SIP for life, whether it is Rs.1000, Rs.2000, Rs.000, I will not stop this SIP and I will never withdraw money from here"
Pending
After 15 years, breaking other SIPs will lead to regret and serve as a reality check, highlighting the importance of not stopping the primary SIP.
"after 15 years this SIP will remind you what a big mistake you have made in life. By breaking down the rest of the SIP, it will become your mirror. It will give you a reality check."
Pending
Salary can potentially triple or quadruple within 5 years through strategic investments in upskilling and relevant fields.
"the returns you can make or the salary you can earn will triple or quadruple your salary in 5 years."
Pending
Increasing SIP investments annually by a small amount, aligned with salary increments, can significantly multiply the final corpus, potentially tripling it from 1 crore to 3 crore.
"As soon as 15,000 becomes 16 the next year. You invest Rs. 16 every year, suppose you are a salaried class, suppose you get an increment of Rs. 10 every year, then you should also step up your investment a little accordingly, if you keep stepping up at Rs. 10, then this figure of Rs. 1 crore will become Rs. 3 crore"
Pending
Investment opportunities exist overseas across various fund types (large, multi-cap, flexi-cap, large & mid-cap, mid & small) and potentially via an ETF SP 500.
"you can invest money overseas in 30, 30, 30, 30, large, 30, multi-cap, plexi-cap, large and mid-cap, 30, medn, sl and 10, you can also invest money overseas in D ETF SP 500"
Pending
Frequent changes to a fund's portfolio by the fund manager can be an indicator of potential issues.
"if the fund manager is changing the portfolio frequently, then there is a slight red flag there."
Pending
Frequent portfolio rotation by a fund manager, especially when coupled with underperformance, is a cause for concern, though underperformance itself is common.
"if the fund manager is rotating the portfolio frequently, let's assume it is underperforming. Underperformance will happen to everyone."
Pending
After losing 50 lakhs in stocks and F&O, the speaker has exclusively invested in mutual funds for 20 years, divesting from FDs, PPF, and LIC.
"I have been investing all my money in mutual funds for 20 years, I also tried stocks, tried F&O, I told you that I lost 50 lakhs, today it has been 20 years, 15 years, my entire portfolio is in mutual funds, apart from this I do not have anything, neither FD, nor PPF, nor LIC, nothing"
Pending
The speaker's forward-looking expectation for portfolio returns is 15% annually.
"going forward, I do not expect 20%, I expect 15% from my portfolio."
Pending
Consistent investment for 20-25 years, even at a 15% annual return, can lead to accumulating 50 to 100 crores.
"If you can invest consistently and not get a return at 15 for 20 years, 25 years, you will earn 50 crores or 100 crores just like that."
Pending
Minimizing portfolio observation and intervention is predicted to lead to greater wealth generation and peace of mind.
"The less you look at your portfolio, the more wealth you will generate. The more peace you will have."
Pending
A primary filter for stock selection is a minimum return on capital of 15%.
"the first filter is financial filter, this is the basic filter, when you select any stock, you always use the formula return on capital at 15"
Pending
Companies not generating at least 12% annual return on capital (equivalent to 1% per month) are deemed not worth saving in and better suited for bank deposits or lending.
"if someone is not making one rupee per hundred, in our UP, MP, say rupee per hundred, it means 1 per month, that is 12 per year, then why is he saving, it means you keep it in the bank or give the money to someone on interest"
Pending
Approximately 95% of listed Indian companies are considered non-investable as they fail to achieve a 15% return on capital.
"Out of 450-7000 companies, only 450 companies are such that are making 15 return on their capital, that means 95 of the company is non-investable, only trading is happening on it"
Pending
A second criterion for stock selection is that their sales growth should exceed India's nominal GDP growth, which is around 12-14%.
"The second filter you should put is how many companies are growing more than the nominal GDP growth of India, that means their sales are growing more than 12-14."
Pending
Companies should demonstrate growth that is slightly better than the country's overall economic growth.
"the country itself is growing, so is the company doing a little better than that or not."
Pending
The third critical factor for evaluating a stock is whether its profit margins are increasing or decreasing.
"Thirdly, the most important thing is whether the margin is increasing with it or decreasing"
Pending
Uno Minda experienced a 25-fold growth between 2014 and 2016, driven by its role as a supplier to Maruti Suzuki.
"Its biggest client, U.Manda, grew 25 times in 2015 from 2014 to 2016 as it previously supplied parts worth Rs. 000."
Pending