्योहारी सीजन चल रहा है निवेश के लिहाज से यह सबसे बढ़िया मौका भी होता है. चुंकि निवेश के लिए आज कई इनवेस्टमेंट टूल्स हैं, तो ऐसे में यह समझना जरूरी होता है कि भविष्य के लिए इनवेस्टमेंट स्ट्रैटेजी कैसी रखें कि पैसों की किल्लत ना हो...साथ ही निवेश के दौरान किन बातों ख्याल रखना बेहद जरूरी है..ये सब समझने के लिए हमने जाने माने वेल्थ एडवाइजर और MIRA मनी के को-फाउंडर आनंद के राठी से बातचीत की.
~PR.147~ED.148~GR.125~
~PR.147~ED.148~GR.125~
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NewsTranscript
00:00Namaskar, my name is Digvijay Singh. Welcome to Goodreturns.
00:03Tiwari season is going on and auspicious time is also here.
00:06Due to auspicious time, there are different types of investments.
00:10So, how to invest in it?
00:12How to do it?
00:13What mistakes should be avoided?
00:15So that the corpus we want to prepare for the future, the money we want to prepare,
00:19we don't miss it.
00:22So, how to do this management?
00:25And what mistakes should be avoided?
00:27For all this, we will talk to the wealth advisor and the co-founder of Meera Money, Anand Rati Sir.
00:33Anand Rati Sir, welcome to Goodreturns.
00:36Thank you so much.
00:38Sir, festive season is going on.
00:40So, when the sentiment of investment is good in this season,
00:44what would you suggest to our viewers?
00:47How to invest?
00:49And till now, how are you seeing the trend of investment?
00:52So, first, I will talk about the trend.
00:56There is no clear trend that if you invest at this time,
01:01then your returns will be good, very good, very bad.
01:05There is no such clear trend.
01:07Actually, we did a lot of analysis and also understood that
01:11if you invest at the time of Diwali, then the returns come a little less.
01:15Not much, but a little less.
01:18In general, in comparison to other time frames.
01:23But this is the time of happiness.
01:26This is the time when you meet people.
01:28This is the time when you meet your relatives, friends, everyone.
01:31And this is the time of happiness.
01:33And if you want to invest in this happiness,
01:35and want to commit a little extra for your future,
01:38I feel that today's time is very good for that.
01:42According to that, I want to commit a little more for my future.
01:47So, in this, if I talk about gold buying,
01:51a very good time is being seen.
01:54Gold buying is in a way a tradition.
01:56There is also a very good trend when people invest in different ways.
02:00Especially in the bullion market.
02:03What kind of asset would you advise our viewers to invest in?
02:07Especially those who want to invest in the long term.
02:11See, there are two types of entries at this time.
02:14One is the cultural reason and the other is the logical reason.
02:17If we take the cultural reason,
02:19for example, at the time of Dhanteras,
02:21a lot of people want to buy gold or silver.
02:24In earlier times, people used to buy jewellery.
02:26Nowadays, people buy gold beads or gold mutual funds.
02:31Gold is a good asset to buy for hedging.
02:37And at the time of Dhanteras,
02:39because people buy it, I think you should also buy it.
02:41Maybe about 5%, maybe about 10%.
02:43It depends on your portfolio.
02:45But you can buy gold when there is Dhanteras.
02:52On the other hand, if you see,
02:54people generally buy stocks or mutual funds at the time of currency trading.
02:58I believe more in that.
03:00Why?
03:01Because when I buy for lakhs in currency trading,
03:03I buy a little more.
03:05Why?
03:06Over a period of time, I think if I leave this money for 10-15 years,
03:09I can create a lot of wealth.
03:11So, my general focus at this time is two things.
03:13One is gold and the other is equity.
03:16Whether in the form of mutual funds or shares,
03:18that depends on you.
03:20So, in this good environment of investment,
03:23and as you are saying, in different portfolios,
03:26you can also invest according to your own.
03:28Which is easier for you?
03:30What mistakes should be avoided
03:32when we see in the environment of investment
03:34that we have a lot of options and investment tools?
03:37What mistakes should be avoided?
03:39Especially when we are preparing for the long term,
03:41for a good future,
03:43what mistakes should be avoided?
03:47If you do anything more,
03:50what is called over allocation,
03:52it can hurt you later.
03:55If you do everything in moderation
03:57or according to your risk profile,
03:59then it will be right for you.
04:02I know a lot of people who invest more in equity.
04:05Why?
04:06Because their friends have told them,
04:08someone in their family has told them
04:10to take equity, small cap, mid cap,
04:12put it in gold.
04:14Personal finance is personal.
04:17If you make your portfolio according to others,
04:20it can be harmful for you.
04:22That's why I have a view that
04:24take as much risk as you can.
04:27The more you keep for the long term,
04:29the less risk there will be.
04:30In the short term,
04:31if you take gold or equity,
04:33there is always risk in the short term.
04:35That's why don't leverage yourself
04:37by taking a loan.
04:38If I take more, I will pay later.
04:40I will take a loan.
04:41Don't do all that.
04:42If you want to take it for the long term,
04:44then equity is a better option.
04:45Equity is better than gold.
04:47So invest in equity without leverage
04:50and invest according to your risk profile.
04:52If you prefer to invest in equity,
04:56which option do you prefer?
04:59Should we go through SIP?
05:01Or should we do direct entry?
05:03What would you suggest to investors?
05:06SIP is a way or a mode to invest
05:10in mutual funds or equity.
05:12If you look at SIP,
05:15your money will be debited every month.
05:19Whether you want it or not,
05:20it won't even ask you.
05:21It will keep debiting.
05:22It becomes like a compulsory saving.
05:24So according to me,
05:25it is the best option.
05:26Because every month,
05:27money comes into your account,
05:28which means your salary is individual.
05:30Money comes into your account,
05:32which cuts your EMI for your house,
05:34or for anything else,
05:35or for your car.
05:36Similarly, SIP gets cut.
05:39So SIP should be a very important aspect
05:42if your monthly income
05:44hits your account.
05:46On the other hand,
05:47if you have money,
05:48like let's say you get a bonus.
05:50People give bonuses on Diwali.
05:52You must be hearing
05:53that I am getting so many bonuses.
05:55If you are getting a bonus at this time,
05:58then I think
05:59you will spend a little.
06:01You get a bonus for that only.
06:03But the extra money that is saved,
06:05you should invest that 100%
06:07not according to SIP,
06:08but according to LUMSUM
06:09at this time.
06:11And my mode of investing
06:13is generally not stocks.
06:15Because in stocks,
06:16you need a lot of management.
06:18I generally use mutual funds.
06:20So SIP in mutual funds
06:21and LUMSUM in mutual funds
06:24is what I will advise
06:26for all of you.
06:28You are saying that people should prefer SIP
06:31because it is more risky to direct
06:34because we don't attract much
06:36and we don't have that much
06:37fundamental knowledge.
06:39But when we start doing SIP,
06:42what should we take care of
06:44and what should we avoid
06:46when we start SIP?
06:49The most important thing is
06:51that if you commit the same amount
06:53that you can do for the long term.
06:56If you think
06:57that today I will do 10,000,
06:58then I will do 5,000,
06:59then I will do 10,000 again.
07:00According to proper planning,
07:02you have to decide the amount of SIP first.
07:05And whatever amount you do,
07:07you should think that
07:08I have committed this money
07:10in the month of November 2024.
07:14You should run that money
07:15according to a clear duration.
07:18Don't think that
07:19I put 10,000 today
07:21and I will withdraw it
07:22after a year.
07:23Don't ever play in equity like this.
07:25Whether it is SIP or lump sum.
07:27You should avoid these two things.
07:29And the most important thing
07:31that you have to keep in mind
07:32is that you have to invest in that fund
07:34in which the potential
07:35will continue for the next 5 years
07:37and not today.
07:38Because you can't
07:39change SIP funds again and again.
07:41Today you put it in a small cap
07:42and then you didn't get a small cap return
07:44and then you will keep shifting
07:45to someone else.
07:46You have to stay in that fund
07:47for the long term.
07:49So, by choosing a good performance
07:51and a good fund,
07:53you have to commit SIP amount.
07:55And one more request from me
07:57to your viewers.
07:59I say that
08:01if you can save up to 10,000 today
08:04and put it in SIP.
08:06Do try
08:08how to make that 10,000 into 11,000
08:10in this year.
08:11I am not talking about step up.
08:12In this immediate year,
08:14if you increase it by 10%,
08:16it will work for you in the future.
08:18Yes, it will not immediately impact you
08:20and you will not even know
08:22that someone debited 11,000 extra from your account.
08:24Because in today's date,
08:251,000 does not create much difference.
08:27But according to me,
08:29if you commit 10% extra today
08:31and continue it,
08:33this 10% will last the longest for you
08:35and it will be very beneficial for you
08:37over a period of long term.
08:39Not immediately, but long term.
08:41So, try to commit a little more
08:43in today's date.
08:45That's right.
08:46Now, through SIP,
08:48like we invest in the stock market.
08:50The stock market is trading at an all-time high.
08:52The Q2 results are being issued
08:54in the results season.
08:56Looking at the current trend of the market,
08:58what advice would you give to investors?
09:00Now, the year is about to end.
09:02So, the stock market is at a record high.
09:04Secondly, this is the festive season
09:06and the factors of the Q2 results.
09:08How do you see the market
09:10and what would you like to suggest to the viewers
09:12when we talk about the market?
09:16India's growth story is very strong.
09:18I think India has the best
09:20growth story in the world.
09:22Considering that
09:24it is one of the top 5 economies
09:26or top 3 economies in the world.
09:28So, according to that,
09:30we are doing very well as a country.
09:32But the Q2 results
09:34I don't think it will be very good.
09:36My team and I meet
09:38a lot of fund managers and analysts
09:40and our view is that
09:42in Q2, you will see
09:44some difficulties in the results.
09:46Whatever you have seen
09:48in the last 15 days,
09:50you have understood that
09:52it is not like Q2-Q1
09:54or last year's Q2.
09:56And it won't be like that.
09:58In the last two quarters,
10:00even after the elections,
10:02there have been some problems.
10:04But I think this Diwali season,
10:06this festive season is going very well
10:08for a lot of people.
10:10If you look at the EVA bill number,
10:12EVA bill metrics,
10:14if you look at GST,
10:16I think GST is going to be the highest
10:18declared this quarter.
10:20So, if you look at all this,
10:22it is looking good, not today,
10:24but in the next 2-3 quarters.
10:26So, if you invest today,
10:28you won't get an immediate return
10:30in equity anyway.
10:32You can see some volatility in the market
10:34till mid-November, till end of November.
10:36But after that, I think it will pick up.
10:38And generally, for the long term,
10:40there is no better market than India.
10:42Can you also tell us which sector
10:44is more bullish?
10:46If the market is going well
10:48in the long term,
10:50which sector should I invest in?
10:52Which sector should I focus on?
10:54Please tell our viewers.
10:56So, according to me,
10:58the best sector is IT.
11:00People used to think that
11:02there will be a problem in IT
11:04because there is a recession in the US,
11:06a recession in Europe.
11:08But my clients,
11:10they have said that
11:12yes, we are winning the deal,
11:14but in less profits.
11:16So, it means that revenue growth will be seen,
11:18profit growth will not be seen much,
11:20maybe a little dip can also be seen.
11:22But share prices have already reacted,
11:24have come down a lot.
11:26In fact, after TCS results,
11:28they have started going up a bit.
11:30According to me, IT is an area of focus.
11:32We should all focus on it.
11:34The second is pharma because
11:36pharma is undervalued even today.
11:38In which we are a little scared,
11:40a little conformed,
11:42that is banking.
11:44Many banks are doing well and
11:46there are 2-4 banks that you should avoid.
11:48So, net-net, according to me,
11:50these 3 sectors, one is IT,
11:52the other is pharma,
11:54and the third is banking,
11:56you can invest today.
11:58And what will be your preferred cap?
12:00Will it be large cap or mid cap?
12:02Or will we focus on small cap?
12:04Our view is that generally,
12:06there is a lot of overvaluation.
12:08They have run a little ahead,
12:10ahead of their valuation.
12:12And growth can be a little less.
12:14So my personal pick is that
12:16as far as it is,
12:18you should keep 80-70% of your portfolio
12:20in large cap only.
12:22As of now,
12:24as soon as there is a little volume correction,
12:26price correction or time correction
12:28in mid or small cap,
12:30maybe we can shift it a little later.
12:32But as of today, our view is clear
12:34that we can get a good return going forward.
12:36Great.
12:38After the post-earning season
12:40and post-festive season,
12:42where should we focus,
12:44where should we get a good return?
12:46And what strategy should we keep
12:48for the year-end?
12:50What advice would you like to give
12:52to Nivishak that for the long-term,
12:54keep this strategy in the year-end
12:56and you will get a good profit.
12:58The best profit is going to be
13:00in the equity only.
13:02If companies grow,
13:04then companies will grow.
13:06If you are a shareholder,
13:08then your growth is going to be 100%.
13:10If you are an equity holder
13:12of some good companies
13:14or some good mutual funds
13:16which in turn become equity holders
13:18of good companies.
13:20So I think that India
13:22today, wherever it is,
13:24Nifty,
13:26Sensex,
13:28whatever you call it,
13:30if you look at the nominal GDP,
13:32India will grow by 12-13%.
13:34Which means
13:36by 2030,
13:38Nifty can double.
13:40It's not a big deal.
13:42It can be 50,000 Nifty.
13:44If it becomes 50,000 Nifty,
13:46if your portfolio is good,
13:48then your money can be 2.5 times or 3 times.
13:50If you are in a normal portfolio,
13:52then also you can get more than double.
13:54So in the next 5.5 years
13:56or 6 years,
13:58it's a very good time for equity.
14:00Because India is growing
14:02and you should also participate in it.
14:04So for the equity market,
14:06it's going to be good for 5-6 years.
14:08The traditional investment tools
14:10like the government schemes
14:12and FDs, what do you want to say about them?
14:14What should investors do?
14:16Should they focus only on equity?
14:18Or should they focus on FDs,
14:20the government schemes?
14:22And how much of the portfolio
14:24should be invested here?
14:26If we look at it from the long-term perspective.
14:30Equity should be
14:32the most important part.
14:34Whether you are 20, 40,
14:36or 55 years old,
14:38you should focus on equity.
14:40But the money
14:42that you need
14:44in the next 2-3 years,
14:46you can't put that money at risk.
14:48In equity,
14:50if everything is good today,
14:52everything can change tomorrow.
14:54You have to keep everything in order.
14:56In debt, like FDs,
14:58FDs are good,
15:00but if you put FDs tax,
15:02then your return won't be much.
15:04So our view is that
15:06India's interest rate is also good.
15:08If you put money in government securities,
15:10there are many funds
15:12that are put in long-term government securities,
15:14which give a return
15:16of around 7% in today's date.
15:18If you can trade it properly,
15:20then you can get double digit returns
15:22in debt.
15:24Because when the interest rate will go down,
15:26the bond that you hold
15:28will go up.
15:30In this, you can go up to 20-25%
15:32in your portfolio
15:34if you want stability in the portfolio.
15:36If you want a lot of stability,
15:38then you can put
15:40government securities in debt,
15:42plus you can put
15:44credit risk funds,
15:46duration play.
15:48FDs can generally be avoided,
15:50but don't miss
15:52provident funds
15:54and NPS schemes.
15:56Keep contributing
15:58as much as you can.
16:00They also give tax benefits,
16:02plus you get a good post-tax return.
16:04You should focus on these two.
16:06You talked about miss,
16:08so I would like to ask
16:10a question from a young professional's
16:12point of view.
16:14When you get your first job,
16:16what should you not miss?
16:18What would be the suggestion
16:20for young professionals
16:22who have joined for the first time?
16:24What should they do
16:26so that they don't miss out on money?
16:28The most important thing
16:30is that if you
16:32worked hard, got a loan,
16:34got an MBA or any Masters,
16:36my most important request is
16:38to finish your loan
16:40as soon as possible.
16:42If you have it.
16:44If you don't have it,
16:46your immediate focus should be
16:48whether I can do something
16:50to save my savings
16:52or expenses for a year.
16:54This is called an emergency fund.
16:56Your immediate focus should be
16:58to invest in funds that are safe
17:00and give a better return.
17:02Like Equity Savings Fund,
17:04Balance Advantages Fund,
17:06Credit Durations Fund.
17:08Invest your money in these
17:10so that you are safe.
17:12When your stomach is full,
17:14my first point is
17:16like I said before,
17:18don't miss out on PF.
17:20Invest in PF as much as possible.
17:22If you work in any IT company,
17:24there are schemes called ESPPs.
17:26Invest as much as you can
17:28in that as well.
17:30Put it in an emergency fund.
17:32If these 3-4 things happen
17:34which are risk-free,
17:36then you can start SIPs
17:38in Equity Mutual Funds at the next level.
17:40The biggest problem is
17:42that people are aware of
17:44all these rules and
17:46investment tricks.
17:48But what is missing is
17:50discipline.
17:52The young professionals
17:54who are reaching
17:56their 60s,
17:58what advice would you like to give
18:00so that they don't miss out?
18:02How to maintain discipline?
18:04In terms of investment,
18:06what advice would you like to give
18:08to our viewers?
18:10Discipline is needed
18:12for both health and wealth.
18:14It is the least needed.
18:16You know it, I know it,
18:18the whole world knows it.
18:20That's why this SIP
18:22which compulsorily saves you
18:24has become a big hit.
18:26Today, having 22,000 crores
18:28is a big thing.
18:30Whether the market is up or down,
18:32your money always debits.
18:34I know that investing
18:36is psychological.
18:38Why can't you
18:40hold the profits?
18:42Because your brain tells you to sell
18:44in the profit.
18:46Investing has to be seen from a psychological angle.
18:48My only recommendation
18:50to my clients is
18:52that this money is not yours.
18:54This money is for your future.
18:56Suppose I have
18:58a 10-year-old son.
19:00Whether I save for him or
19:02for my retirement,
19:04I am saving for the future
19:06of my son.
19:08Our problem is that
19:10as soon as we invest,
19:12we start tracking it.
19:14If you can avoid that,
19:16you won't be impulsive
19:18in buying and selling.
19:20I think it will take you
19:22a long time.
19:24Think that I am doing it for the future,
19:26not for tomorrow.
19:28Do your research and
19:30invest for the future.
19:32Let's talk about tax.
19:34What should I do
19:36to make money?
19:38If I am coming
19:40in a tax area for the
19:42first time,
19:44what should I do?
19:46What kind of investment
19:48should I do?
19:50What funds should
19:52I use?
19:54So that
19:56my tax savings problem
19:58gets solved.
20:00Try BF.
20:02try PF, try ELSS, and in ELSS if you are investing for the first time, then invest in that fund which has more large cap
20:11and less small cap because you are a new investor but you can change in next year, you can see that, but try in ELSS
20:20Always keep your health insurance outside the company, one is given by the company, but it is important to keep a track record outside
20:29so take a little bit of health insurance outside, it is important to take good life insurance cover, in today's date if you are the only one
20:39who is earning for your house, then it is very important to have insurance because if something happens tomorrow, then it will be useful
20:46so the best part is, in all these three things you get tax benefits, so concentrate in PF, ELSS, life insurance,
20:56by adding all these things you can do your tax savings under section 80CEK, and if you can contribute after NPS, then you should
21:04so all these parts will help you in a safety angle plus will save tax, and the rest which will be saved, the SIPs
21:12you can put that aggressively in equity also.
21:15Speaking of equity, there is a lot of hype in the IPO market, it is a hot topic right now, the country's biggest IPO has also opened
21:23so for IPO, there is no idea that which IPO is good, in which money can be invested, in which listing will be good
21:31because listing, if I talk about the last IPO, the listing was very good, this is the reason why investors are more interested in the primary market
21:38so in this case, I will suggest you to keep these points in mind, when a company's IPO is opening, so before investing,
21:45we should note these things that we have to pay attention to these people so that our money doesn't get trapped.
21:52See, in IPO, ideally what you are doing, you are becoming its shareholder, you will become a shareholder when there is growth in that company
22:01if you want to see growth in that company, then this IPO can happen for 2 reasons, one is that the money I raise from the market,
22:10I will put it in the growth strategies and make the company grow more, and there are such IPOs where you know clearly
22:17that the money of this IPO will be given to the existing shareholder, so that will leave and the second shareholder will come,
22:24the money that I have given is not being used anywhere in the company's growth, you will have to read this clearly in prospectus,
22:32what is the use of this money, see IPO gains happen in today's date, IPO gains are very normal, it will happen in the future also,
22:40now the IPO season has started, now the middle of the IPO season will go longer, you will get a lot of IPOs, there is no tension in that,
22:47but seriously if you are thinking for the long term, you have to think like a shareholder, so if your money is being used to give to another shareholder,
22:56that IPO can be a little risky, and if the money of your IPO in which most amount of money is being used for growth,
23:04that IPO is generally good, you will look at the past and future, after that you decide whether you want to put money or not,
23:13and if you are playing for IPO gains, it is a risky strategy, you can get stuck, so play carefully, that's my only request.
23:20Thank you sir, Anand Rathee sir, thank you so much, so Anand Rathee sir is saying that it is very important to put money for the future,
23:27and Anand sir is preferring for equity, so if you are investing in IPO, you have to take care of these things, he also said this,
23:36so Anand sir, you joined us in the festive season, and gave us a good advice on how to prepare a good amount of money,
23:44how we can save ourselves from mistakes, thank you very much sir.
23:49Thank you Digvijay.