Скачать или смотреть Small Capital High Returns💰| Mukesh Ambani VS TATA Group || Mutual Funds Investment Tips ||Er Punam

"The information provided in this video is for educational and informational purposes only and should not be construed as financial advice or investment recommendations. 
Investing and trading in securities involve substantial risk, and the possibility of losing your entire investment exists. 
You should not make investment decisions based solely on the information presented in this video or on this channel. 

Important Links-
Join My YouTube Channel

   / @erpunamprajapat  

*****************************************
Join My Instagram Channel

https://www.instagram.com/punam.praja...

****************************************
Join My Facebook Page

https://www.facebook.com/share/1BLmku...

****************************************
Join My Telegram channel

https://t.me/+DTJPJLrCaJI4NWJl

****************************************


Demat Account open link -

https://app.groww.in/v3cO/pt93v2ow

****************************************






---

🌱 *1. Define Your Goal Before Choosing a Fund*

Different goals require different types of funds:

*Short-term goals (1–3 years):* Consider liquid funds or *short-duration debt funds*.
*Medium-term goals (3–5 years):* Hybrid funds or *balanced advantage funds*.
*Long-term goals (5+ years):* Equity funds*, *index funds*, or *ELSS for tax-saving.

---

📉📈 *2. Match Risk Tolerance With Fund Type*

*Low risk:* Debt funds
*Moderate risk:* Hybrid funds
*High risk:* Equity funds (especially small-cap or sectoral funds)

---

⚖️ *3. Prefer Diversified or Index Funds (for most investors)*

Diversified equity funds reduce exposure to any one sector.
Index funds are low-cost and often outperform many actively managed funds over long periods.

---

💰 *4. Invest Through SIPs (Systematic Investment Plans)*

Benefits:

Rupee-cost averaging
Disciplined investing
Reduces market-timing risk

If you have a lump sum, you can invest part-now and part-through a systematic transfer plan (STP).

---

🧾 *5. Check the Expense Ratio*

Lower expense ratios → more of your money stays invested → better long-term returns.
Index funds usually have the lowest costs.

---

🕵️‍♂️ *6. Don’t Chase Recent Returns*

A fund performing well in the past 1 year may not sustain it.
Always check:

5–10 year consistency
Performance vs benchmark
Fund manager track record

---

🎯 *7. Keep Your Portfolio Simple*

2–4 mutual funds are enough for most people:

One *index fund*
One *hybrid/flexi-cap fund*
Optional: small-cap or debt fund for diversification

More funds = more overlap + no real diversification.

---

🔁 *8. Review Once a Year, Not Every Month*

Look for:

Major underperformance over 3 years
High portfolio overlap
Sudden increase in risk or expense ratio

Avoid frequent switching—it hurts returns.

---

🔒 *9. Use ELSS Funds for Tax Saving (if applicable)*

ELSS (Equity Linked Savings Scheme) has a *3-year lock-in* and offers tax benefits under many tax regimes.

---

🧘 *10. Stay Invested and Be Patient*

Compounding needs time.
Equity mutual funds may fluctuate in the short term, but long-term returns historically trend upward.

---

If you want, I can help you with:
💼 *Creating a personalized MF portfolio*
💡 *Choosing between funds*
📊 *Comparing specific mutual funds*
🏦 *SIP calculation or goal planning*

Just tell me your **goal + time horizon + risk level**!



Disclaimer-:
I am Punam Prajapat.
I am not SEBI registered.
Information provided in this video is for education purpose only.
And it is my personal view on particular share and IPO.
So do your own analysis before buy or sell of any share or IPO.
And buy and sell at your own risk.