The Complete MUTUAL FUND INVESTMENT Guide | Ankur Warikoo Hindi
Published: 2025-06-07
Status:
Available
|
Analyzed
Published: 2025-06-07
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 1
Prediction
Topic
Status
For an income level of ₹1 lakh per month, a recommended equity mutual fund allocation is ₹1500 in Nifty 50, ₹1000 in Flexi Cap, and ₹1000 in Small Cap funds.
"₹000 we have to invest and we have to invest in the right manner. So this mix will be ideal for someone investing ₹4000 in equity mutual funds. ₹1500 Nifty 50 ₹100 Flexi Cap ₹1000 Small Cap."
Pending
For a high-risk portfolio with an income of ₹1 lakh per month, it's recommended to invest ₹2000 in Nifty 50 or Nifty Next 50, ₹3000 in Flexi Cap, ₹2000 in Small Cap, and ₹2000 in international market funds.
"₹2000 NFT 50 or Nifi Next 50 if you are a little more comfortable. Now we will invest ₹3000 in flexi cap, so the total will be ₹5000. We will invest Rs 2000 in small cap. In the end 2000 we will start exploring international markets."
Pending
For a medium-risk portfolio with an income of ₹1 lakh per month, allocate ₹6,000 to debt funds (split between corporate bonds and gold ETFs), and the remaining ₹14,000 for equity investments, including thematic mutual funds.
"30% Debt 70% Equity for Medium Risk. So we are investing ₹6,000 in debt funds. I won't put much thought into that either. Any fund of ₹3,000 corporate bonds ₹3,000 gold seeds and I think we should be good to go. ₹14,000 which I will split into multiple ways and I will bring thematic mutual funds now into the picture."
Pending
Thematic mutual funds, which are sector-specific (e.g., pharma, consumer, auto, finance), can be a component of an investment strategy with a ₹1 lakh monthly income.
"₹4,000 in Nifty 50. Will play a little stable. Then invest around ₹3,000 in thematic mutual funds. Thematic mutual funds mean they are sectoral. They follow a theme. There is a pharma mutual fund, there is a consumer mutual fund, there is an auto mutual fund, there is a finance mutual fund."
Pending
For an income of ₹1 lakh per month, investing ₹3000 in Flexi Cap funds (like Parag Parikh) and ₹4000 in Small Cap funds (like Nippon India Small Cap) is recommended.
"Out of the remaining ₹7000, invest ₹3000 in a flexi cap mutual fund which we have already discussed. Parag Parikh is a good example and then ₹4000 in a small cap NPON India is the best example."
Pending
For a high-risk investment strategy with a ₹1 lakh monthly income, allocate ₹5,000 to Nifty 50 or Nifty Next 50, ₹10,000 to Mid Cap and Flexi Cap funds, and ₹5,000 to Small Cap funds, with an expected long-term return of 16-18%.
"₹5,000 we will still invest in Nifty 50 or Nifty Next 50. Depending on what your risk appetite is between the two. ₹10,000 I will put it in a mid cap and a flexi cap because this will be a combination of all sizes of the companies and will give a good healthy return of 15-16 perhaps even more percent over a long period of time. And then ₹5,000 I will put it in small cap."
Pending
Expected long-term returns for different market segments are: Nifty 50 (12-13%), Mid Cap/Flexi Cap (15-16%), and Small Cap (18-20%).
"The performance of the stock market in the last one or two years. That is not reflective of how long term performance is. Benchmark Nifty 50 12 to 13% Mid Cap Flexi Cap 15 to 16% Small Cap 18 to 20%"
Incorrect
A blended portfolio of equity yielding 15-17% and debt yielding 7-9% is considered a high-performing investment strategy.
"If your blended portfolio of equity is earning 15 to 16 17% and blended portfolio of debt is earning 7 to 9% you are a rockstar."
Pending
It is recommended to increase mutual fund SIP investments by a minimum of 5% annually, ideally 10%.
"Every year try to increase your mutual fund SIP by one step. Minimum 5% ideally 10%"
Pending
To step up SIPs, it is recommended to start new, smaller SIPs for the incremental amounts rather than trying to modify an existing SIP, to avoid potential issues like exit loads or capital gains tax.
"Start a new SIP of ₹500. So that SIP of ₹5000 is still going on. Along with that, another one of ₹500 has started. Now next year it is ₹500, if we have to increase it by 10% then we have to increase it by ₹550 more. So start another SIP of ₹550."
Correct
Long-term capital gains tax on equity mutual funds (held over 1 year) is 12.5% on profits exceeding ₹1 lakh in a financial year.
"If you have long term capital gains tax, meaning you have held that equity for more than 1 year, then you will have to pay 12.5% of the profit at today's rate. Only if the profit is greater than ₹1 lakh in the financial year."
Correct
Short-term capital gains tax on equity mutual funds (held less than 1 year) is 20% on the total profit, regardless of the amount.
"Short term capital gains tax is 20%. Meaning, if you sell it within 1 year, then whatever your profit is, it may be less than Rs 1 lakh. You will have to pay 20% on that."
Correct
Tax on interest earned from debt mutual funds is added to your income and taxed according to your individual income tax slab.
"The rate of mutual funds is based on your income tax slab. So, whatever interest you have earned will be added to your income as per your income tax rate and you will have to pay income tax on that."
Correct