Comments on: Personal finance review (Part 2)

By: Karthik Rangappa

Karthik Rangappa — Mon, 30 Dec 2024 03:49:20 +0000

In reply to Rishi Singh. Hey Rishi, sorry about that. We will ensure a mail is sent out.

By: Rishi Singh

Rishi Singh — Sun, 29 Dec 2024 08:02:23 +0000

Hey Kartik, I just gave the varsity certificate exam yesterday and my score was 63% . And I didn't get the certificate and that's fine as 65% was the criteria. But what I didn't like was atleast you could have mailed me that you didn't passed this time try again later. I wanted to know if I did pass the test, where will I get the certificate, like on my mail or what? And yes the test difficult was crazy bro, the test was nicely designed

By: Karthik Rangappa

Karthik Rangappa — Thu, 21 Nov 2024 02:35:01 +0000

In reply to Rishi Singh. It is a great book, please do read. You will appreciate the general principal and the spirit of buying undervalued stocks discussed there. But the exact techniques maybe irrelevant in today's day and age.

By: Rishi Singh

Rishi Singh — Wed, 20 Nov 2024 17:50:18 +0000

Hey Karthik sir, thank you for such a priceless content that you are sharing without any charges. Thanks for your efforts. You recommended some books to read, can I ask you why haven’t you included the INTELLIGENT INVESTOR book by Benjamin Graham ? Do you not find it good or relevant enough to mention? Or did you forget to mention it? Cause I that book on my shelf and I will read it next. So it would be nice to know what are your thoughts and opinions on that book. Thank you again for your precious time that you give us, I will make sure to not let it be in vain. I promise

By: Karthik Rangappa

Karthik Rangappa — Fri, 25 Oct 2024 05:30:20 +0000

In reply to Anirban Basak. The one that gives you more comfort. For me, both are similar.

By: Anirban Basak

Anirban Basak — Fri, 25 Oct 2024 01:06:38 +0000

Sir,

Which one is good to consider- AMC SIP or Coin SIP for long term investment?

By: Karthik Rangappa

Karthik Rangappa — Wed, 16 Oct 2024 06:20:21 +0000

In reply to Anirban Basak. You can do SWP after doing SIP for many years :)

By: Anirban Basak

Anirban Basak — Tue, 15 Oct 2024 06:10:29 +0000

Sir,

Actually I am a little confused as to if SIP & SWP are two separate schemes that needs to be invested. Or can I do the SWP after doing the SIP for say 20 years?

By: Karthik Rangappa

Karthik Rangappa — Mon, 14 Oct 2024 11:42:10 +0000

In reply to Anirban Basak. SWP is for withdrawal and SIP is for investment. These two are different right? SIP is what you need to begin with, and SWP for withdrawals.

By: Anirban Basak

Anirban Basak — Mon, 14 Oct 2024 08:40:34 +0000

Sir,

In your MF chapters, you have vividly described ways to invest. Meanwhile, I am a regular investor in MFs/Index funds in large cap, mid cap and small/micro cap(very less amount).

However, currently, I have come across through SWP concept. Now, I would like to know that is it advisable to do the SIP plan or SWP plan? Or we can do both the things. I would like you to provide some insight keeping an ultra long term view point (+20 years).

By: Karthik Rangappa

Karthik Rangappa — Sun, 29 Sep 2024 04:00:27 +0000

In reply to Mukund Gadgil. Sure, noted.

By: Mukund Gadgil

Mukund Gadgil — Sat, 28 Sep 2024 12:13:22 +0000

Karthik ji,
Good Evening!

These chapters are simply amazing !

Want you to Make such of these pieces on SWP also.

I am searching how an SWP works during retirement age.

By: Karthik Rangappa

Karthik Rangappa — Thu, 05 Sep 2024 02:30:39 +0000

In reply to Prashanth K R.

1) Just to be more competitive in the market.
2) Not really since its an index fund
3) It should not really matter.

By: Prashanth K R

Prashanth K R — Wed, 04 Sep 2024 10:45:10 +0000

Hi karthik Sir,
As i said earlier, I have been looking for index funds in the market. I have gone through the TER and the returns of ICICI, UTI, SBI, HDFC as their TER is around 0.17% to 0.20% and the returns are also quite similar over the long period of time. But when i saw bandhan index fund for nifty 50 their TER was 0.10% and the return is also not that much difference. But the difference is the timespan. all the 4 funds was there more than 20 years in the market, but bandhan MF was started in 2013.
1. My question is what made them to offer less TER when compared to other funds?
2. Other 4 funds would have overcome the 2008 crisis and 2019 pandamic but bandhan MF would have seen only 2019 crisis. Does this impact the fund in anyway?
3. Do i have to look other metrics for any analysis?

By: Karthik Rangappa

Karthik Rangappa — Wed, 04 Sep 2024 06:19:59 +0000

In reply to Prashanth K R. MFs are portfolio of stocks, cant really compare this to a single stock exposure.