idrema interveiew muftul funds , telugu analysis
running notes,
44 AMC
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2000-4000 SCHEMES;
3000 SCHEMS;
Which is choose.
44, 4000schems , which is best?
major cat
eq,--> stock lo market
debt, -> bond, ....
hybrid-> eq 50%,50%;
Long term -> equity stock theesukoval,
only 3/2 year-> debt schems.
liquid schems 24 hours nene; put here.
------------------------
goal + time = which cataglory
15-20% equit ( major persons in thought) ---> ( confusion sub: sec, div, kimiti, lar, flex, multi, gold, global...; mid, small
10% debt
10-12% hybrid;
6-8% liquid scheme.
--------------------
sector, it,transport, ev, ......
small, mid, large.
top 100 okay; ?
large caps: the same schema ( 24 amc....)?
expenratio
ret
fund
alpha
sharp ration
avm?...
schema: selection ; after 6 months; every one year.
good expert, schema select,
do not maintain, forever: 1 year taruvata,
fundamantal changes?
if schema nacchakapete, reeduption -> go next schema ( it is costly : tax );
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SIP:
nobody, can not stay, 2-3 years;
5lack
------------
house can not sale,
gold,
since it has liquidy
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stick with..
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expert : will ask questions,
----------------------
retunr 5years; mostly;
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------------------------
liquid schems: saving ;
chatgpt. flow chat.
START
|
v
1. Understand Goal and Time Horizon
|
+---> Short-Term (<3 years)? ------------------+-------------------> Long-Term (>3 years)?
| | |
| v v
| Choose Debt Schemes Choose Equity Schemes
| (e.g., Bonds) (e.g., Stocks, Large Cap)
| |
+--> Emergency Fund? ------------------------+ +--> Moderate Risk? -----+
| | | |
| v v v
| Choose Liquid Schemes Choose Hybrid Funds Choose Equity Mid/Small Cap
| (e.g., <24-hour access) (50% Equity, 50% Debt) (High Growth Potential)
|
v
2. Scheme Selection
|
+---> Use Key Metrics: ---------------------> Check Categories:
| |
| - Expense Ratio | - Large Cap (Top 100 Companies)
| - Alpha, Sharpe Ratio | - Mid/Small Cap
| - Fund Manager Performance | - Sector Funds (IT, Transport, EV)
|
v
3. Start SIP or Lumpsum Investment
|
+---> SIP Recommendation:
| - SIP for 3-5 Years
| - Rs. 2,000 to Rs. 5,000 Monthly
|
v
4. Monitor Fund Performance
|
+---> After 6 Months or Annually:
| - Check Returns (5 Years Avg)
| - Compare Metrics
| - Assess Market Changes
|
+---> If Scheme Doesn't Perform:
| - Consider Redeeming (Note: Tax Implications)
| - Switch to New Scheme
|
v
5. Stick with Long-Term Plan
|
+---> Avoid Frequent Changes
+---> Reassess Goals Periodically
|
v
END