How He’s Achieving Financial Freedom With His Salary🚀| Personal CFO Ep. 3 | Finance With Sharan
Published: 2025-02-23
Status:
Available
|
Analyzed
Published: 2025-02-23
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 0
Prediction
Topic
Status
Small Finance Bank FDs offer better returns (up to 9%) compared to large nationalized banks.
"I would not put an FD in a large nationalized bank because I can get better returns if I put in a small Finance Bank FD... You can get up to 9% Returns on your FD."
Pending
NIFTY Midcap index provided 27.7% 5-year returns.
"if I go to nift's returns right C 5 years is 27.7%"
Pending
Increase allocation to small-cap equities, and re-evaluate a specific mid-cap investment due to weak fundamentals.
"my first suggestion to you is to increase allocation to small caps uh if I have to go slightly U micro there is probably this Premier investment that you've done in the midcap space that is something that I thought you might want to relook at because fundamentals are not that great"
Pending
The individual's direct stock portfolio yielded an XIRR of approximately 22% over five years.
"it was around 22% ... over five years"
Pending
Recommendation to increase allocation to small-cap stocks.
"increase allocation to small caps"
Pending
Thematic and sectorial investing requires correctly timing both entry and exit, which is difficult to achieve.
"my biggest problem with thematic investing or sectorial investing sharan is largely is that you got to correct twice not once then when to enter and when to exit when to enter and when to exit"
Pending
Advice to avoid thematic and sector-specific investments due to timing risks.
"avoid thematic and sectorial investing"
Pending
Recommend a 5-10% allocation to US equities, citing its strong risk-adjusted returns over the last 10 years compared to other markets.
"I think it's always good to have a 5 10% allocation to to the US market right uh and why do I only say us you look at the last 10 years data on a ruling basis right across emerging markets and developed markets it's only India and us who which have been able to do a little better on a risk adjusted basis"
Pending
Suggests prioritizing Small Finance Bank FDs over large nationalized banks for better returns (up to 9%) with insurance coverage for deposits up to 5 lakhs.
"I would not put you know uh an FD in a you know like a large nationalized bank because I can get better returns if I put in a small Finance Bank FD and because you put five lakhs I know that I my five lakhs will be insured in a small Finance bank so I can get better uh returns you can get up to 9% Returns on your FD"
Pending
Thematic investing should only be pursued if one has expertise in timing entry and exit points.
"if at all you know when to enter and exit only then do thematic investing otherwise don't"
Pending
Recommends exploring NBFC FDs (e.g., Sham Finance, Bajaj Finance) for higher returns (10-11%) and individual corporate bonds for potential returns of 11-12% for those willing to take more risk.
"and if you can take a little bit more risk you can also explore some nbfc fds as well I personally do that I put in you know sham Finance FD I put in baj finance 10% 11% 10 exactly so you can get those better returns and if you want to go even more experimental you can also invest in individual bonds of uh companies where you can get up to 11 12% returns as well"
Pending
A portfolio should include a mix of investment styles (value, quality, growth, momentum) as market cycles favor different styles.
"there is value there is quality there is growth there is momentum ideally when you trying to build a portfolio have a mix of everything in your portfolio because you don't know which style will work in the next"
Pending
Allocate 50% of debt investments to long-duration debt mutual funds and 50% to credit risk debt mutual funds.
"I would rather suggest that you allocate 50% of your money to long duration category in debt mutual funds and 50% to credit risk category in debt mutual fund"
Pending
A 5-10% allocation to the US market is recommended for diversification.
"it's always good to have a 5 10% allocation to to the US market"
Pending
Small Finance Bank FDs can offer up to 9% returns.
"you can get up to 9% Returns on your FD"
Pending
Expects easy double-digit returns from a combination of long-duration and credit risk debt mutual funds, with potential outperformance continuing for the next six months.
"currently wi long duration funds are doing very well you might see another 6 months uh you might see same kind of uh return out performance on the credit risk side so combination of both of these can do can do easy double digit early double digit kind of returns for for investors"
Pending
Suggests a 2-3% allocation to a crypto basket (Bitcoin and Ethereum) for those comfortable with the risk.
"a simple basket of Bitcoin and ethereum you know if you want to take that risk two to 3% of allocation into crypto"
Pending
NBFC FDs can provide higher returns, potentially 10-11%.
"you can get those better returns... 10% 11%"
Pending
A monthly SIP of 1 lakh, stepped up by 10% annually, could generate an additional 3.8 crore over 12 years, ensuring sufficient wealth beyond financial goals.
"you will have additional 3 CR 80 lakhs so you have enough and more money for all your goals plus you are going to be much wealthier than you are today"
Pending
A specific piece of real estate is yielding a poor pre-tax return of only 2.4%, indicating it's a bad investment.
"your other real estate like pointed out is giving you only 2.4% returns pre-tax so that is obviously bad investment"
Pending
Investing in individual corporate bonds can yield returns of 11-12%.
"invest in individual bonds of companies where you can get up to 11 12% returns as well"
Pending
Long-duration debt funds have shown returns of 39.5% in the past year.
"in long duration fund they've done 39 and a half%"
Pending
Investing 60 lakhs in commercial real estate in Hyderabad could yield 5-6% rental income and potentially higher appreciation, leading to a total return of 10%, better than a residential property.
"you could purchase some fractional real estate commercial space 60 lakhs you can easily buy a commercial space in Hyderabad and give it for rent you can get even a 5 to 6% you know income on that and even the property appreciation will be more so there you can make a 10% return instead of you know parking the 60 lakhs in a 2bhk house"
Pending
A balanced allocation of 33% each to large-cap, mid-cap, and small-cap equities is recommended for a risk-adjusted return over a 10-15 year investment horizon.
"equally splitting between large mid small 33 33 33 will make a lot of sense on a risk adjusted basis"
Pending
Direct stock investments should aim to outperform index returns (e.g., Nifty Midcap 5-year return of 27.7%) to justify the time and effort.
"so if you had just directly invested in the index you would have gotten 27.7% 5e returns right so this is very important to do because then it's like okay why are you investing directly in stocks you know are you able to beat the index if you're not able to beat the index youve just wasted your time"
Pending
A combination of long-duration and credit risk debt mutual funds can generate early double-digit returns.
"combination of both of these can do can do easy double digit early double digit kind of returns"
Pending
Reduce the number of mutual fund schemes from 10-11 to 4-5 for a portfolio of this size.
"the number of schemes that you have are far more than ideally what I would be comfortable given the size of the portfolio I think four when you mean number of schemes number of funds number of funds four five funds would largely suffice for what whatever is required"
Pending
A 2-3% allocation to a crypto basket (Bitcoin and Ethereum) is suggested for those comfortable with the risk.
"a simple basket of Bitcoin and ethereum... two to 3% of allocation into crypto"
Pending
Thematic investments require precise exit timing, as illustrated by infrastructure funds that took over 10 years to recover from the 2007-2008 crisis.
"when you take thematic bets right you don't only have to be right when you are investing but have to be extremely right when you are exiting also I'll give you an example sharan and I'm not sure of if a lot of investors would not this infrastructure investing was at it speak in 2007 2006 kind of era before the lemon brother crisis happened"
Pending
Bitcoin had surpassed $100,000 at the time of the video's making.
"Bitcoin as of making this video has already crossed a $100,000 mark"
Pending
Utilize tools like the Index Fund Selector and Midcap Fund Selector to identify suitable mutual funds based on financial goals.
"this is an index fund selector tool midcap fund selector tool so if you had used these these tools you'll be able to you know identify what mutual fund is right for you based on your financial goals"
Pending
Commercial real estate investments can provide 5-6% rental income and potentially lead to a total return of 10%.
"you can get even a 5 to 6% you know income on that and even the property appreciation will be more so there you can make a 10% return"
Pending
A balanced allocation of 33% each to large-cap, mid-cap, and small-cap funds is recommended for risk-adjusted returns.
"equally splitting between large mid small 33 33 33 will make a lot of sense on a risk adjusted basis"
Pending
Small Finance Bank Fixed Deposits can offer returns of up to 9%.
"you can get up to 9% Returns on your FD"
Pending
Historically, India and the US have performed better than other markets on a risk-adjusted basis.
"it's only India and us who which have been able to do a little better on a risk adjusted basis"
Pending
NBFC Fixed Deposits from companies like Sham Finance and Bajaj Finance can provide returns of 10-11%.
"I put in sham Finance FD I put in baj finance 10% 11% 10 exactly so you can get those better returns"
Pending
Individual bonds of companies can offer returns of up to 11-12%.
"you can also invest in individual bonds of uh companies where you can get up to 11 12% returns as well"
Pending
Higher yields in investments are associated with higher risk, which retail investors may not fully comprehend.
"higher the yield is higher is the risk associated investing which they might not understand"
Pending
Long-duration debt funds have shown significant performance, with a 39.5% return in the last year.
"if you just look at the last one year uh in long duration fund they've done 39 and a half%"
Pending
Bitcoin has surpassed the $100,000 mark.
"Bitcoin as of making this video has already crossed a $100,000 mark"
Pending
A monthly SIP of 1.03 lakh, with a 7% annual step-up and 10% post-tax returns, is projected to yield 3.84 crore in additional funds after 12 years.
"if you do 1 lakh 3,000 every month right and you step it up by 10% 7% he said right you step it up by 7% and even if you assume 10% returns post tax post tax after 12 years you're going to have a staggering 3 CR 84 lakhs additional money"
Pending
Planning to sell a property, expecting to receive 20-25 lakhs after capital gains tax.
"I'm also thinking of selling this property and then uh after paying capital gains And all I'll be getting some 20 25 lakhs in hand"
Pending
It is recommended to increase allocation to debt and gold, as the current allocation to these asset classes is nearly zero.
"your allocation to debt and gold is very close to zero right I'm not considering jewelry because you're not going to sell it if the price goes up or the other way around right so you should definitely increase your allocation to debt also and you should increase your allocation a little if possible to Gold also"
Pending
A portfolio should include a mix of value, quality, growth, and momentum investing styles, as market styles are cyclical and it's unknown which will perform best in the future.
"styles are cyclical so you're talking about the value versus growth investing stry so there is value there is quality there is growth there is momentum ideally when you trying to build a portfolio have a mix of everything in your portfolio because you don't know which style will work in the next that's a big Miss in this portfolio"
Pending
During market downturns, funds allocated to debt can be re-directed to purchase equities at lower prices, as having extra capital during a fall is rare.
"use this as additional Investments that you might have to be able to buy Equity lower right because whenever the market Falls irrespective of how bullish you are on the market it is generally seen that you will never have more money to invest"
Pending
An allocation of 19% (approximately 43 lakhs) to debt is recommended.
"within debt what we are seeing is that you have to put 19% in debt which is about 43 lakhs"
Pending
A monthly SIP of 1.03 lakh is recommended for ongoing investments.
"the Sip that you can put over here is the 13,000 1 lak 3,000 right that's it"
Pending
The equity portion of the SIP (61,800) should be allocated across various mutual funds based on recommendations, optimizing the overall equity strategy.
"and within that like within Equity let's say 61,800 you will come here this is 61,800 how will it be divided across various mutual funds this is just your current ones I would say based on whatever recommendations Kiran sha has said you can optimize it accordingly"
Pending
Ensure that mutual fund selections maintain a 33% allocation across large-cap, mid-cap, and small-cap segments.
"and ensure that whatever mutual funds you select the allocation across the large cap midcap small cap is 33% each"
Pending