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 SIP: The cost of delaying 5 years could cost you 2.42 Crores https://youtube.com/shorts/cWoL8njE8aM?feature=share
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 ETFs Are Growing Fast. Should Mutual Fund Investors Pay Attention? For years, mutual funds have been the preferred choice for wealth creation among retail investors. They have helped millions build long-term wealth through disciplined investing. But a significant shift is taking place in the investment world. Exchange-Traded Funds (ETFs) are attracting increasing investor attention because of their low costs, transparency, and ease of trading. So, what makes ETFs different? ✅ Lower Costs Most ETFs are passively managed and typically have lower expense ratios compared to actively managed funds. Over long investment horizons, even small cost differences can have a meaningful impact on returns. ✅ Greater Transparency Many ETFs disclose their holdings daily, allowing investors to know exactly what they own. ✅ Intraday Trading Unlike mutual funds, which are priced once at the end of the day, ETFs can be bought and sold throughout market hours like stocks. ✅ Easy Access to Index Investi...
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Delay Your SIP by 5 Years? It Could Cost You ₹2.5 Crore Most people say "I'll start SIP next year." That one sentence could cost you ₹2.5 crore. Here's the math nobody shows you: Investment is Rs 10,000 every month at 12% annual returns. The retirement age is assumed 60. Particulars     Started at 25                   Started at 30 Monthly SIP        Rs.10,000                           Rs 10,000 Investment Period 35 years                       30 years Total Invested Rs    42 lakh                            Rs 36 lakh Corpus at Retirement Rs 5.5 crore                 Rs 3.08 crore Difference             2.42 crores ...
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 How to build a resilient  portfolio ? Ramesh had been investing for 5 years. ₹8 lakh in mutual funds — all in aggressive mid and small cap funds. No debt component. No gold. No emergency fund. When his portfolio dropped 42%, he did what fear told him to. He redeemed everything. "I'll reinvest when things stabilise," he told himself. Things stabilised. He never reinvested. He missed one of the greatest recoveries in market history. Priya had been investing for the same 5 years. Same ₹8 lakh corpus. But her portfolio looked different: → 60% in large cap and flexi cap equity → 20% in short-duration debt funds → 10% in gold funds → 6 months of expenses sitting in a liquid fund — untouched When markets crashed, her portfolio fell too — but only 24%. The debt and gold held steady. The liquid fund meant she never felt desperate. She didn't redeem a single unit. Her SIPs kept running through the bottom. By December 2020, she was in profit. By 2023, her corpus had more than d...
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