Women's Day Special: दुनियाभर में 8 मार्च को विश्व महिला दिवस सेलिब्रेट किया जाएगा. गुडरिटर्न्स भी इस अवसर पर कुछ खास कर रहा. इसके जरिए देश की लाखों महिलाओं को निवेश के लिए प्रेरित करने, इनवेस्टमेंट अवेयरनेस बढ़ाने पर जोर है. इसके लिए हमने एक्सपर्ट से बातचीत किया. इसमें महिला निवेशकों को निवेश शुरू करने से पहले किन बातों का ख्याल रखना चाहिए? क्या मार्केट में बने रहे या फिर सोने में इनवेस्ट ऑफ्शन है बेस्ट? हमने WhiteOak Capital AMC की फंड मैनेजर तृप्ति अग्रवाल से बातचीत की.
#investmentstrategy #investmenttips #investmentplan #sharemarket #sensex #nifty #goldinvestment #womensday
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NewsTranscript
00:00Namaskar, my name is Digvijay Singh, welcome to this special video of Goodreturns, which
00:10is dedicated to women, women investors, because on 8th March is World Women's Day, our focus
00:18is to spread awareness among women investors through this video, how to invest, how to
00:27avoid mistakes, what to do to get a better return and what mistakes to avoid, we are
00:33also talking to experts in this, so that they can also solve the small problems that are
00:39coming, which are related to investment, so they can also be solved, today we have a very
00:45special guest joining us, we have the fund manager of White Oak Capital AMC, Tripti Agrawal
00:49joining us, who has about 1.5 decades of experience, so welcome Mr. Tripti to join us, thank you,
00:53thank you so much for having me, it's a pleasure, so the first question is that the market has
01:01become very volatile, and we are seeing that there is a lot of confusion, what to do, what
01:05not to do, you, our viewers, who are watching this video, what would you suggest, what strategy
01:13should be taken in investment, is there a need to get worried, what should be done?
01:19See, it is very natural, if I say that there is no need to get worried, when you open your
01:25portfolio and see that there are so many red marks, then obviously there is worry, and
01:31it also is a function of when you have started investing, for example, if you had started
01:37investing from the last 4 years, that is, you have started immediately after COVID, then
01:41you have seen a very good time, and now there has been a little correction, I mean, we are
01:47talking about a correction of 15-18%, but if you had unfortunately started from the month
01:53of September, from September 24, then your first experience would have been very bad,
01:59because I think the market had peaked on September 26, so from there your experience would
02:05have been very bad, so it is natural that you would have been very nervous, but if people
02:13in this field, if you see any old videos of this type, then people will always tell you
02:23that this is the nature of equities, in equities, it keeps going up and down, which is a fixed
02:31income, like in India, I think a lot of people are very familiar with fixed deposit, so the
02:37money you put in the fixed deposit, exactly every month, but in equities, it will go up
02:47and down, so this is the nature of the asset class, and that is why you should understand
02:55that nothing will go down one way and nothing can go up one way, so for the last 4 years,
03:03the Indian market was going up from one side, so it was natural that this correction was
03:09bound to happen, now obviously no one can say with absolute certainty that when will
03:15this correction start, when will it end, we cannot say this, but yes, we can say that
03:19this correction is not permanent. Absolutely, so in one asset class, when the equity is
03:27going up, and when we are making this video for women investors, so women have a huge
03:37craze for gold, so the prices of gold have increased, so what advice would you give in this
03:45case, that the investment strategy for women, that they should invest in expensive gold
03:51ETFs, because here you are getting a strong return. Absolutely, so one thing that we always
03:59say, and maybe women will appreciate this more, that in India, I think, we don't have a
04:06dedicated meal portion, as Indians, we are used to one, or we prefer a thali in food,
04:16or when we go out to restaurants, etc., we prefer buffets, because there you get a lot
04:22of variety, and one more thing, which is very special about Indians, that we order multiple
04:28things, and as a family, we share, you see in many foreign restaurants, this concept is
04:33not there, it is a single meal for one person, but in India, somehow we share it, so I am
04:39saying all this, because even in investments, you don't have to keep all your investments
04:46in one asset, so when I say this in simple words, that for investment, you have a lot
04:54of options, equity investments are one option, and in equity investments, you can invest
05:01directly, you can buy shares directly, or you can invest through mutual funds, similarly
05:07you have fixed income options, and similarly, gold is also an asset class, so the right
05:15thing to do is, that at any point in time, you should invest in all these asset classes,
05:22and the reason for this is, that often it happens, that one asset class does good, and
05:28the other one does bad, it is very rare that all these asset classes do good, so the people
05:34who have made this balance type portfolio, if their equity is getting hit a little, then
05:40gold is compensating it, so my suggestion would be that, because gold has done very
05:48well, so there is a tendency of people, that the one who is doing good, they will invest
05:57in that, and the one whose performance is weak, they will invest in the one who is doing
06:04good, and this is a very big mistake, because we should understand that the one who is doing
06:11good, he will not do good permanently, in fact he has had a good period, and that is why
06:18the one who is doing bad, you should increase your investment in that.
06:23You are right, so what you are saying, that the mistakes that should be avoided, because
06:30the one who is running, it happens with multi-bigger stocks in the equity market, that he is in
06:35someone else's portfolio, and he got a good return, and he told me, and I thought of investing
06:40in that, so gold should also be avoided, so I will take this question forward, and I would
06:47like to ask, as an investor, what should be taken care of, what mistakes should be avoided,
06:54what mistakes should not be made, so that we keep the desire of investing, that we have
06:59to prepare a big amount, so before investing, what things should be taken care of?
07:03First of all, I would say, the biggest mistake that people make is that, yes they will do
07:10it, and then they avoid it, so procrastination and laziness is the biggest mistake.
07:16Like people do to go to the gym.
07:18Absolutely, like people do to go to the gym, that is the best example, everyone knows that
07:23they have to get fit, everyone knows that they have to make wealth, but no one starts.
07:28So the first mistake is to not start, and in starting, one problem is that people think
07:35that it is very expensive now, so we stop for a while, so the second big mistake people
07:40do is market timing.
07:41Like people think that it is very expensive now, let's say they have seen a number in
07:47the market, and after seeing a number, they say that it has increased a lot, so we stop
07:54now.
07:55So the second mistake is timing, you should not do timing, you should start, and the best
08:01way to avoid this timing, the best way is to do investments in a systematic manner.
08:07Which is that every month or every week, whatever your plan is, instead of doing your
08:15entire investment together, break it into small parts, and do it in a systematic way.
08:23Number four, one mistake that you said, like people are doing a good stock, and they have
08:30heard from someone, heard some tips, or they have seen it in their friends' portfolio,
08:34so they do that.
08:35Similarly, people do this by looking at the sectors, they look at the performance of sector
08:39funds, let's say, I am just giving an example, that the infra fund has given a 25% return,
08:4530% return, so people say that it is looking so good, so now we go and invest in it.
08:52So the biggest mistake in that is that the sector or stock that has already invested
08:58in it, if you go and invest in it, then chances of disappointment are higher.
09:04It is possible that some stock or some sector has done well, and it will do even better in
09:10the future, but more often than not, chances are that when it has done well, then it will
09:16mostly normalize, its performance will be a little bad.
09:20So investing on the basis of past returns is a mistake.
09:25Number four is investing all the money in the same asset class.
09:29I think that is also a big mistake.
09:31So in this case, the first time investors, especially women, who want to start investing,
09:39what would you suggest?
09:40You have already told us what to avoid.
09:43What are the risks that women, especially women, face as investors, the risks they
09:52usually face?
09:54What do you think?
09:55What are those points?
09:56I think that the biggest problem or risk that women investors face is underconfidence.
10:04And they think that they don't understand, it is very complex, so they give this responsibility
10:11to their male family.
10:13Either their father, brother or husband, we will just earn money and give it to them,
10:19and if they understand more, they will do it properly.
10:24So I think the number one mistake is this fear that we don't understand and this underconfidence.
10:31And I think number two is somewhere it is laziness.
10:35You say why should I use my brain, right?
10:38And then you also get a third thing to blame.
10:41So I think women should avoid all these temptations.
10:44And I agree that it can be a little complex for people who are not in the field of accounting
10:51or finance.
10:52So maybe it will be a little difficult for them to understand all this.
10:57But in today's era, I think in social media, I have seen such good content that in such
11:05crisp, very short form videos, they explain things to you in a very basic way.
11:10So I think first of all, we should increase our knowledge a little.
11:15And I will not say that you have to become an expert on day one, but there is enough
11:20and more content that you can see and you can understand your basics a little.
11:25Number two is that you have to calculate the return of a very basic formula in Excel.
11:36How do you calculate the return of any investment?
11:40You will find these two things if you search on the internet.
11:46You understand this formula and this basic first.
11:51Number three, you start with a small amount.
11:56Today in India, it is actually such an excellent time that you can start an SIP with 100 rupees.
12:03I think even a bottle of shampoo does not come in 100 rupees in India.
12:08So the point is that you can start your investment with just 100 rupees.
12:13So my suggestion would be that you think of a small amount that I am doing this trial.
12:20I am learning to invest with all these things.
12:23And you start that investment with that small amount.
12:28Do it as an experiment.
12:30Maybe you will make mistakes.
12:31And you tell yourself that I am giving my time for 3 to 6 months and making an amount.
12:37Maybe it is 5000, 10,000, depending on what your tolerance is.
12:42You make a small corpus and give yourself time for 3 to 6 months.
12:46And then you run these experiments.
12:49And then when you understand it well, then you can scale it up.
12:54So it is very similar to learning to cycle or learning to swim.
12:58You will not be able to do it in day 1.
12:59And you will not be able to do it until you practice.
13:02Now there is a question on this topic.
13:04Let us move ahead on the topic of corpus.
13:07Everyone has a goal to become a millionaire by this time.
13:14If a woman has to prepare a corpus of 1 crore rupees for her future, what strategy would you suggest to her?
13:23So, number 1, you said 1 crore.
13:26Firstly, a very important question or a variable would be that how much time does 1 crore take?
13:33If you have to make 1 crore in 10 years or 1 crore in 20 years, right?
13:39I want to say that when we do retirement planning,
13:44when I retire, the corpus of 1 crore rupees should be ready.
13:50So, how old is that woman? Is she 20 years old or 30 years old?
13:55Assume that she is 30 years old.
13:58Okay.
13:59So, if you assume that someone is 30 years old,
14:02and in India, you can easily have a working life of at least 60 years.
14:07Between 55 to 60.
14:08So, you have 25 to 30 years to make 1 crore rupees.
14:13Now, to make 1 crore rupees, number 1, my advice would be,
14:18whatever I am saying does not replace the importance of a good financial advisor.
14:25You should definitely consult a financial advisor.
14:29That would be my first advice.
14:31But if you want to do it in a DIY way,
14:35then you will have to understand that
14:39you have to invest this 1 crore rupees in different asset classes.
14:45And my advice would be,
14:47as soon as you have an asset class like equity,
14:50till the time you don't understand about the share market,
14:54companies, and valuation,
14:58you should give this work to experts like us.
15:01Because we are doing this work for you day and night.
15:04How to grow your money fast and in a safe way.
15:10So, don't do this work yourself.
15:13Give this work to experts.
15:15And divide them into multiple asset classes.
15:20You should have an allocation of equity.
15:23You should have an allocation of fixed income.
15:25And I will definitely recommend gold to you.
15:29But now you will ask how to divide it.
15:32I can't explain it in a simplified way.
15:37Because it will depend on your age, income,
15:40and how much you are able to invest every month.
15:43I can give you a suggestion from my side.
15:47There is a product in the market called multi-asset allocation product.
15:53We run this scheme.
15:56This is a very successful scheme.
15:59In this, on your behalf,
16:02we allocate in 4 asset classes.
16:05Equity, debt, gold, and foreign securities.
16:09And how much gold should be taken at what time,
16:15that is our proprietary model.
16:18So, you simply start an SIP of this multi-asset allocation fund.
16:24And we will also take the responsibility of your allocation.
16:28And in that allocation,
16:30which shares to put in equity,
16:32which shares to put in debt,
16:33we will basically decide all that.
16:36So, you can take this with VITO.
16:38And there are other AMCs who offer this product.
16:41So, you can explore this product a little.
16:44Okay, the last question will be from you.
16:47We are making this video on Women's Day special.
16:50So, we want you to recommend some best fund themes or recommendations.
16:57Sure.
16:58In India, when someone tells me that this will work very well,
17:02this sector will do very well,
17:04this thing will grow very fast.
17:06So, I immediately ask them,
17:08tell me, what will not work in India?
17:11I have seen that people have no answer to that.
17:15Because India is a growth economy.
17:18And here, that is,
17:20I mean, globally, everyone who is betting on India,
17:23we are saying that for the next 10 years,
17:25or even longer,
17:27it is the growth economy,
17:28it is the place to be.
17:30Broadly, I feel that in India,
17:32consumption as a theme will do very well.
17:35And these women,
17:36you know,
17:37they will be able to understand this very easily from me.
17:40That today,
17:41I will give a simple example.
17:43Like beauty,
17:44if I say beauty as a category,
17:46then today,
17:47I am very sure,
17:48in your audience,
17:49the people who were using 2 products,
17:51they are using 5 products today.
17:54And they know that they will do 10 in the future.
17:56So, right?
17:57This is one example of consumption.
17:59Consumption, I feel,
18:00will do very well.
18:01I will particularly tell your audience that
18:04banking and financial services
18:06is an extremely good theme for India.
18:08And in this sector,
18:10valuations are also very reasonable.
18:12So, if someone wants to explore
18:15a thematic investment,
18:16then banking and financial services
18:18is also a very good theme.
18:19And the third theme,
18:20which I would suggest is
18:22digital,
18:23you know,
18:24companies.
18:25Because tech is the future of the world.
18:27And India also has a lot of strengths.
18:30So, tech would be another theme that I would suggest.
18:32And the fourth theme that I would suggest is healthcare.
18:35Because,
18:36whether you consume or not,
18:38you will get sick.
18:40So, healthcare is,
18:41I think,
18:42a perpetual theme.
18:43So, these are the themes that,
18:44you know,
18:45I would strongly recommend.
18:46And,
18:47if you don't want to go for a thematic investment,
18:50then you should invest in FlexiCap.
18:52The fund manager there,
18:54will decide the best theme for you
18:56and will invest in it.
18:58So, Tripti is saying that
19:00the female viewers,
19:01who are watching us,
19:02they have only one message.
19:04First of all,
19:05you should believe in yourself
19:06that you can also invest.
19:07Secondly,
19:08for the people who are investing,
19:10you should decide the criteria,
19:12how much return you want,
19:13how much you want to deposit.
19:14Apart from that,
19:15she has also given recommendations.
19:17So,
19:18take care of these things
19:19and come to the field of investment.
19:21Although,
19:22in the last few years,
19:23especially if I talk about 2021,
19:25the demand has increased so fast.
19:27And,
19:28in small cities,
19:29especially in tier 4,
19:30tier 3,
19:31the number of female investors has increased.
19:33So,
19:34somewhere,
19:35this is a positive sentiment,
19:37a positive picture.
19:39It's a good picture.
19:40So, Tripti ji,
19:41you talked to us,
19:42you joined us in this special video.
19:44And,
19:45thank you very much for that.
19:46Thank you very much.
19:49It's been my pleasure.
19:50Thank you very much.
19:51End of season sale is going on in the market.
19:53So, I think all of you should just flock.
19:56Absolutely.
19:58Thank you very much.