Date post: | 14-Apr-2017 |
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Business |
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RISK!
Risk of being part of AIFW!
Before objective analysisRisk of not digging deep
After objective analysis!Risk of digging deep!
Paralysis
Before After
Priorities
Power of compounding does not matter for ~ 5Y or less
Popularity
“It Seemed Like a Good Idea at the Time”
A minimalist portfolio
Asan Ideas for Worthless information!
“Ashal Sir, Please name the two mutual funds you hold”
When Ashal says MDBSC* ….
A Mutual Fund SIP is Hope, Not a Strategy!
Currently there are ten funds that are 20-years old
In 2036, there would 500+ 20-year old funds!
Mutual Funds are not LIC polices!
A Mutual Fund SIP is Hope, Not a Strategy!
A Mutual Fund SIP is Hope, Not a Strategy!
Systematic investing + Systematic Risk Management
• Clear Asset allocation • Watch for deviations regularly (yearly first and
more often later)• Rebalance (once a Y, once every few Y and
more often later)• Quit while ahead
All this is possible with MDBSC!
Star Ratings
How to review a mutual fund SIP?
Do we have a review strategy in place?
How to review a mutual fund SIP?
How to review a mutual fund SIP?
Buying on dips!
Buying on dips = SIP!
How many of us are going to compare!
Buying physical gold <> Investing in gold
Aim: accumulate gold for daughter’s marriage.Aim: Hedge against inflationAim: Reduce volatility in my portfolio?
Buy physical gold or use gold funds, etfs . Bonds?
Gold always moves up!
Gold always moves up!
Gold always moves up!
Gold always moves up!
Riskometer
NAV always moves up!
Recency Bias - 1
Risk Ignorance
FD rates have gone down, so can I invest in debt funds?
Can I use balanced funds for SWP in retirement?
Can I invest in sector funds for next 3 years?
Liquidity Ignorance
NPS only for tax deduction
Use tax-free bonds to get tax-free returns
Real Estate
You cannot choose the “right” mutual fund or stock!
Invest in “good stocks” and forget about it!
Please suggest a mutual fund to start SIP for next 15 years.
Stock investing vs Mutual Fund investing
Timing the Market
Possibility vs probability
Hot-hand fallacy