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Mutual Fund Investment Planning Planning to shift some investment in the China market. China Mutual Fund available in the India Market 1. Axis Greater China Equity 2. Edelweiss Greater China Equity off-shore 3. Nippon India HTF Hang Seng Reason for Investment 1. India market 1 year Forward P/E Ratio is too high than china market. - Nifty - 20.7 - Nifty Midcap 100 - 28 - Nifty Small Cap 100 - 19 - China Shangai Comp - 11.3 2. China came out of deflation. 3. China government taking step to pick up the market by changing policies. 4. Fearful when others are greedy and greedy when others are fearful. #FINNowledge #personalfinance #assetallocation Email - FINNowledge@gmail.com Whats App - +91 8950540033

Direct Stocks or Mutual Funds? Investor - I want to invest in Equities Me - How long can you stay invested, how much risk can you take & what’s your return expectations? Investor - Can stay invested for 10 years, okay with volatility and return expectation is 13-15% Me - Okay, we will invest in ABC Flexicap, XYZ Midcap and PQR Small cap Mutual Fund Investor - Can we not do direct stocks? Me - You want to generate returns, how does it matter where are these returns coming from (Direct stocks or MF)? Also you are not going to be able to track sector rotation, corporate actions & news etc. As a retail investor, MF is a much better option & it will make you the returns you are expecting over 10 years. Investor - But direct stocks will generate higher returns Me: - It’s a misconception. - In direct stock investing, the broker app does not show you the portfolio XIRR and hence you don’t understand your over all return. 90% investors can’t beat the FD returns also over time. - One stock may have done very well but the over all portfolio return is always grey and hence we feel the returns are high. - While you are investing in a Mutual Fund, your investment are invested in stocks only, exactly what you are expecting. If you want to take higher risk to generate higher returns, that’s also very much possible, increase allocation to Mid & Small cap and give it atleast 10 years. But if you are going to compare 1 stock that you bought which gave 50% returns to a large cap fund which is a portfolio, it’s not a fair comparison. - Also the most important thing is you will not be able to consistently find such stocks without losing money on some stocks & hence your net returns are no where close to the return that your 1 stock gave. P.S. - Right combination of Mutual Funds & decent time horizon can generate 13-15% CAGR which is decent in Equity investing. - If you want more you need to accept the risk and allocate higher than normal to Mid and Small cap funds & you will generate higher returns over time. - But if you think investing in direct stocks will consistently be able to make a retail investor 30-35% return, you are probably amongst the top 0.1%, for everyone else there is a Mutual Fund. Source - Twitter

People are okay with 10/15/20 year of LIC policies with subpar returns. But not okay with investing in equity for one full economic cycle of 7-10 years with good returns. Source - Twitter #FINNoweledge #LIC #personalfinance

Beating the index is not a goal! Real goals:- 1. Retirement 2. Children's education 3. Children's Marriage 4. Buying a house Are planning for these? or are you in a rat race to beat the index? Source - Twitter

Chandrayaan-3 Live Telecast https://www.youtube.com/watch?v=DLA_64yz8Ss

Another Milestone Today we reached AUM of 25L in Mutual Fund We already connected online for one on one session with more than 30+ for advising on personal finance. Contact us to book one on one free online session to discuss and plan your personal finance. Email - FINNowledge@gmail.com. Telegram - @cashubhamjain1

Red Flags⛳️ of Financial Fraud - Fixed Return - Don't explain sources - Chain Marketing - Try to invest all your money in the single scheme - Don't tell you about the risk involved - Take money in their own bank account #FINNowledge

How to structure your salary to get Maximum post tax @FINNowledge

Same Premium means LIC Premium #FINNowledge

https://www.linkedin.com/posts/shubhamskjain_taxplanning-incometax-fy23-activity-7094033304198234112-tHMw?utm_source=share&utm_medium=member_desktop Choose between Old Regime and New Regime for the FY 23-24 and plan your investment and deduction accordigly.

Mutual Fund Selection based on Time Period of Goal 0 to 3 Yr Debt Funds 3 to 5 Yr Hybrid Funds 5 to 7 yr Large Cap Funds 7 to 10 yr Multicap / Flexicap Funds 10 Yr + Small & Midcap Funds

Personal Finance Tips Most salaried employees choose EMI due dates or credit card due dates as the 1st of every month. But then if there is some delay in the salary getting credited to your account, the stress just gets too high. Here are my two suggestions to avoid this problem: - Ensure that your savings account always has a balance that is somewhat more than your 1 month EMI; if that is difficult to do - If that is difficult to do, choose your due dates to be on 5th or 7th of the month, so that there is a bit of a headroom if your salary gets delayed.

1 year return : Healthcare fund 💔🔻9% & Nifty up 💚9% (Aug 2022) No interest in sector Netra : its in low business cycle + valuation, should consider investing HC fund up 💚 up 24% vs 13% for Nifty in last one Y as on Aug 2023 Flows start Flows chase Performance SIP

India is looking bright spot for future but global trends are negative. Keep investing in every decline opportunity in market.

These instruments below cannot go to zero and hence no risk of ruin (in no particular order) - Equity mutual funds - NPS - PPF - EPF / VPF - FD (scheduled commercial BanK) - Government Bonds - Post office schemes - Sovereign Gold Bonds

Risk of ruin (from highest to lowest)🔻 - Informal lending & MLM - Unregulated investments - Cricket betting - Gambling - Crypto & NFTs - F&O trading - Under Construction Property - Penny stocks - Lower rates bonds - Corporate Deposits - Direct Stock

A gentle reminder to file your IT returns as today is the last date

Be Alert for this type of Fraud