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  • If someone comes to me and says,

  • 'Give me your money and I'll double it in 2 years.'

  • I just close the door on that person.

  • Because a) It is too good to be true, otherwise all of us would be stinking rich and..

  • b) Everyday in the newspaper there is some financial fraud happening somewhere.

  • So how can I trust anyone with my money?

  • But in my last video, 'How to buy a house before turning 25', we learnt

  • that if we want to get rich

  • we need to invest smart.

  • But unfortunately, most of us girls think...

  • 'Why worry about Investment?..

  • Our father, brother, husband will take care of it.'

  • That attitude is so wrong.

  • Because girls, we are capable of taking much better financial decisions

  • only if we educate ourselves.

  • And thanks to this education, I bought a house before turning 25.

  • So Ladies....and Gentlemen also...

  • If you have no clue about Mutual Funds, today

  • by the end of this video, you will be 10 times smarter, financially.

  • Because today, I will tell you

  • 1. What is Mutual Fund and the different types?

  • 2. How to pick the best Mutual Fund?

  • 3. A Step-by-Step Tutorial on how to open your Mutual Fund Account.

  • Just so that we are clear, this video is not sponsored.

  • So I don't care which Mutual Fund you chose.

  • I'll just give you the right information.

  • like I educate my younger sister about investment.

  • But before we begin, if you like what I am saying

  • make sure you hit that 'Like' Button because

  • that will motivate me to make more videos.

  • Let's begin.

  • Now what is Mutual Fund and what are the different types?

  • Mutual Fund collects money from people like us.

  • Rs. 500 from Me, Rs. 500 from You and creates a money pool.

  • A Fund Manager then uses this pool to invest in stocks, bonds, assets.

  • We don't have to worry about where it is being invested because the Fund Manager takes care of it

  • for a commission of 1% to 2%.

  • If you want to invest Long Term, Mutual Funds is a great option because

  • instead of sitting idle, your money will go and earn for you.

  • But how can I be sure that Mutual Fund will not run away with my money?

  • Mutual Funds are regulated by SEBI.

  • So running away is highly unlikely.

  • However, if you chose a bad fund manager

  • then he/she might lose your money by investing in bad stocks.

  • I'll tell you what to do so that doesn't happen.

  • First, let's find out the different types of Mutual Funds available.

  • There are 3 major types.

  • 1. Equity Funds

  • These Mutual Funds invest in shares, stocks of companies.

  • They are considered High Risk, but they also give High Returns.

  • 2. Debt Funds

  • These Mutual Funds invest in Debt instruments like

  • Debentures, Government Bonds.

  • They are safe investments but their returns are also less.

  • 3. Hybrid Funds

  • As the name suggests, they are a hybrid.

  • They invest in both Equity as well as Debt.

  • May be 50%-50% or 70%-30%.

  • Their aim is to give you moderate returns at moderate risk.

  • Then there are Sector Funds, Gilt Funds, Tax Savings Funds....

  • which are pretty easy to understand, but for now, let's stick to the basics.

  • Now, how to pick the best Mutual Fund?

  • I think the reason why we don't invest in Mutual Funds is

  • because there are so many in the market,

  • we don't know which one to pick!

  • So before you chose a Mutual Fund to invest in

  • remember these 5 points.

  • 1. If you want to invest Short-Term say 1 year or 2 years..

  • then don't chose Equity Funds.

  • Chose Debt Funds.

  • Because they are low risk than Equity

  • plus they give more returns than a bank.

  • 2. If you want to invest Long-Term, there are 2 options...

  • a) Lump-Sum and b) SIP

  • Lump-Sum is when you give a huge amount, say 1 Lakh Rupees, all at the same time.

  • And SIP is Systematic Investment Plan

  • where you chose say Rs. 1000 or Rs. 2000 and every month

  • that amount will directly move from your Savings Account to your MF account.

  • If you are new to Mutual Funds, SIP is the best option.

  • 3. Now which Mutual Fund to pick?

  • They will be categorised into 3 types.

  • a) Large-Cap b) Mid-Cap and c) Small-Cap

  • Large-Cap Schemes invest in big companies that are already well established.

  • So the risk is less.

  • MId-Cap Schemes come with Moderate Risk, but Moderate Returns.

  • And Small-Cap Schemes, invest in even smaller companies.

  • So they come with High Risk but returns will also be high.

  • If you are new to Mutual Funds, I would suggest

  • that you pick a Mutual Fund that falls in the Large-Cap Scheme.

  • 4. Before selecting a Mutual Fund, these are the parameters

  • that you must check.

  • a) Returns: How much has that Mutual Fund made in the past.

  • Check atleast 10 Years of their track record.

  • b) Expense Ratio: How much will that fund manager charge you for maintaining your account.

  • It usually ranges between 1% to 3%.

  • c) Entry and Exit Load: Fees for entering and exiting that scheme.

  • 5. There is something called 'Index Funds'.

  • In these, you don't need a Fund Manager in between, so the expense ratio is very less.

  • There is an Investment Advisor called Varun Malhotra

  • and he strongly suggests that if you are new, just buy NIFTY50 and Sensex Index Funds

  • and personally, this is what I have invested in.

  • So these were the 5 things that you must keep in mind before you pick a Mutual Fund.

  • Now it's time for the Step-by-Step Tutorial on

  • how to open a Mutual Fund account.

  • 1. Select the Mutual Fund you want to opt for

  • based on the 5 things that we've just discussed now.

  • 2. Figure out how much money should you invest in

  • SIP every month to meet your financial goal.

  • For that, we will use a SIP Calculator.

  • Suppose in the next 15 Years, you want to make 1 Crore Rupees.

  • The average Expected Rate of Return for any Mutual Fund is around 16%.

  • Click on Calculate.

  • So you need to invest around 13K every month

  • for the next 15 Years, to make 1 Crore Rupees.

  • You can even use the Return Value Calculator.

  • In this calculator, we will first enter how much money can you invest in every month.

  • Let's assume it's Rs. 2000/-

  • Let's also assume that you will invest it for the next 10 Years.

  • As we know, the average Expected Rate of Return for Mutual Funds is 16%.

  • Click on Calculate.

  • This means, that when you invest Rs. 2,40,000/-

  • your expected Accumulated Wealth will be around Rs. 6 Lakh.

  • And that will happen if you invest Rs. 2000/- for the next 10 years.

  • I have left the links of these calculators in the description.

  • And if you want me to make a separate video about 'How to Earn Money'

  • so that we can invest in Mutual Funds, then comment and let me know.

  • The third thing you need to start a Mutual Fund account is a PAN Card which is KYC Compliant.

  • And finally, after doing these 3 things, you can either go to that Mutual Fund's Branch Office

  • or you can visit their website.

  • You'll just have to enter your details, your SIP amount, the duration

  • and your account will be set up!

  • And that's it. That's all it takes to set up a Mutual Fund account.

  • See, now I gave you all the information you need to start investing in Mutual Funds.

  • Now your home-work is to figure out

  • a) How much money can you invest in your SIP every month.

  • b) Which Mutual Fund is best for you.

  • Samjhe beta? :P

  • And always remember...

  • Speaking of investments, there is one investment

  • that involves 0% risks and 100% returns

  • and that is subscribing to my channel. :)

  • So please Subscribe and hit that BELL icon

  • so that I get to know that you like me.

  • I am going to see you again next week. Until then..

  • Keep fighting, The Urban Fight to be Fit!

If someone comes to me and says,

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互惠基金 - 如何利用互惠基金賺錢? (Mutual Funds for BEGINNERS | How to EARN MONEY using Mutual Funds)

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    up1217home 發佈於 2021 年 01 月 14 日
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