How a Salaried Employee can Earn ₹100 CRORE (With Proof) | Full Strategy by Finance Expert | GT Show

0:00 Absolutely lemonan who has nothing. He Just pick up the slips and do that Stocks were tracked for 10 years. Stocks with parrots perform better I did it. Oh my god, Analyse's stocks are so high could not perform well because others You will never see a Mercedes in your bicycle Can break it. If I get 10 crore, 50 crore Or create a final wealth of Rs 100 crore If it is there then only you can calculate it You can do it if you want. This is around 22-23 crores They are made. Babare on ₹1,000 invested Invest ₹15,000 per month If you get 15% return on it and 15% They remain invested for a year. so this They are made. I like this very much to say that the stock market is a door It is like that. On which a lock is placed. His The key will change every time. Whenever anybody If we find it then we will change the lock.

0:51 Capped at 15. 15 Pay Cap is 15,000 You have to put your income in your wallet No matter what happens. for 35 years this Let's do the calculation because he will retire. Retirees on 60 will retire at 60. 35 years After that you can also calculate it. If they want, they can make crores. Father Ray. Experts know this very well Are. But these common people don't know that this is the Sure shot is the way which is not a dream which is reality which is fact because Numbers don't lie. Can a common man save ₹100 till his retirement can earn crores? Absolutely yes. And It is very simple maths and is available to everyone It is applicable. You are a special person Not required. one in a million Rather 99% people can earn and maths never

1:37 I don't lie either. but we are all indians three big mistakes people are making Unfortunately I grabbed this opportunity I am losing it. And that is why in today’s In the podcast, we are going to talk about 100 Crore mindset and action and with me He is a person who is only interested in success not only do they do research but Also make blueprints. Raghav Kumar Raghav Research Services LLP is the founder A registered research analyst at SEBI The firm that is helping India’s microcabs and SMEs The next multibagger opportunities in the space is known to seek out. Mr Raghav MBA in Finance. Just one investor No, he is also an educator. His Vision It is absolutely clear. to investors in India Empowering with deep research backed Insights. His content is available on YouTube reaches millions of people who are long term

2:23 and take wealth seriously Let's take it. Raghav ji of Maceconomics Trends Business Scale and Discipline He is also a master of investing. Today's this The episode will talk about mindset. here at Not just motivation but real frameworks You will get those who take it up to 100 crores. So Without wasting any time let's begin. So The finance industry as it is today Very big bubbles are being created in this. Dreams are being sold and it is being shown like this It seems that earning money is a snap of the fingers There is work. Right? And that's why you also know That SEBI imposed many restrictions. Infact on everyone's call big people Caller tunes used to come in which financial Save yourself from fraud, tell the government She was hammering over and over again. Yes. So let's see

3:11 Neither is it too much about earning money Misunderstandings and misconceptions is spread in and much of the credit for it The news goes to the creators Etc. etc. lack of education of people. Now There are two ways to earn money. One is that You are a method that is practical and He will earn 1% wealth and give it. and there is a way which will look like this is very He will earn more money but only 0.01% There is a chance that you will be able to earn money. So today's which is what our podcast should be sir It should be exactly on this issue that every This message should reach an Indian citizen that you Choosing the right path is the key to creating wealth of earning money which 1% practically gives you

4:00 He will give the money only after earning it. so about this you What do you want to say? how would you like to START? Gaurav ji first of all you and your Hello to all the viewers. this is actually A variant topic. as you said today in the date of which that 01% The whole focus is on that one. the same thing to By glorifying it we sell it further that someone How we can achieve overnight riches. Finally we all have a good lifestyle I want a good luxurious life. But The way it was glorified and sold If it goes then the practical method is there in it On which most people can walk. Only Apart from that 0.1%, there is also a common man We can go. they would leave that path Are. Forgets. but the most important part There would be a mindset shift. Ok? so this

4:45 Mindset shift which means this first It is a part. Right? because of course only Nothing will happen by changing the mindset. mindset might be that a first one first There is a step. Because if you don't think so it is possible that there is a way to if yes then it means you will never pursue that path You won’t do it. If you could see the way No, you cannot see the vision at all, so you You will never pursue. so can you give me the details can i tell you a little bit what kind of Mind Mindset Shift Are You Referring To? First of all you have to start believing that it is possible. Suppose you have found someone for yourself also kept aye. You keep m of 10 crore, 50 crore, 100 crores. According to your today's reality No matter how unrealistic this may seem to you But it doesn't matter. You need to tell someone this There is no need to explain. do not justify anyone to do. This is for yourself. Yes. Your

5:31 This may be an unrealistic aim. It's okay. But we will achieve it whatever way you choose. that has to be 100% Realistic and 100% practical. Right? If you became unrealistic in that or this we went on dream selling you loose Your way. Then you will go astray and you will not be able to find any You will not be able to achieve this thing in this way. Let me give you a small example. We have the easiest solution for the common man here Available and most popular investment options Avenues are Mutual Funds and Stocks Most everyone invests in it Are. Now the unique thing in mutual funds is that Accounts are made up of unique accounts It means that one person has many places One can have an account in a mutual fund. So It is tracked by the PAN number that if a If we count the PAN number only once So that is called a unique account. about quarter past five

6:17 There are around 1 crore unique accounts. There are around 18.5 crore accounts in mutual funds There are demat accounts where shares can be bought Trading takes place. yes but on dream11 There are around 22.5 crore accounts. Registered There are users. We are more than 10 crore people There are accounts. Rest of the batting sides where Rummy is played. this ludo is played Is. This is the biggest business today In. It is the biggest business. That means our The company earns thousands of crores of rupees every year. It becomes a company worth crores. means we have I have money but it is not for investing. We have this money for getting. So If we keep our AI whatever we want but Keep a realistic approach to where if this thing can be achieved through this then we Patient discipline and whatever else required Things are for this, starting with that mindset Can do it. So Sir, you think that somewhere

7:04 Not this get rich quick thing This is the mindset of people which means a lot much somewhere no matter how much people should you disclose it on face or not Brother, I don't think like this but people somewhere there is this need that they don't get rich quick because if that happens If it weren't for that, then all these apps These are so big that they have a huge user base If you weren't sitting then basically if this money those who post it here it is just like a lottery I may be a little bit like winning Your odds will be higher if he invests money How can we use it in the right way? What to do to create wealth in the long term Creation may end by long term wealth creation i am i am meaning that

7:49 Look sir, he is a common man in today's time His dream is to retire Whatever it is may it go very well because He's been working hard all his life, and Ultimately his retirement will be peaceful. He went to a few places to eat and drink. Arrangements should be made at a good level. Now the human Understand the salary of the person who starts ₹000 is ₹25,000. 20 to 21 years old He starts from the age of one year. So Do you think an average Indian has such for the amount of ₹ 1 crore when finally he To be able to acquire that much when one retires It is possible for his retirement. or else What if he is more ambitious? Can it reach 100 crores? Absolutely

8:35 could reach. and this thing we You can prove it mathematically also. I By proving it to you mathematically I will show you that this thing is possible. it is not That you are living in a dream world. And maths doesn't lie. Maths doesn't lie I would speak. but there are some prerequisites for this Are. as you said if someone is Start earning ₹20,000 or ₹50,000 They earn or whatever x amount of The income is his. There are some things to pay attention to Keep it. First thing is don't spend on Things you don't need. if you If you don't need something then leave it Give it. Second thing is, whatever your income is It can. You can earn less, earn more Can be done. Save something. the excuse for this Don't you think that my income is low. You Even if you save 5% of your income. Whether 10% Save it. Whatever your income is Save it. These are small savings

9:21 This will help you achieve your financial greatness. According to whichever financial greatness you You can achieve it by setting yourself on its path Will give. We are ok. So sir even on mindset level We had talked. Ok? then after that We focus on proper investment strategy Will come. Because our goal today is that we For the viewers who are very young, we want to give them a Provide proper blueprint. a blueprint that The whole meaning is dream selling No, that. That is practical. means you use If you do it, you will definitely get results. Right? We want to bring that to people today Is. But before that let us talk a little about mindset and eborate. So this wealth The mindset of creation is versus what we have today What is the mindset of a common man? Is there a difference? Can you use those points can you highlight it so we can create a base Take it first. Gaurav ji the biggest difference is that

10:08 if you look at all the things If it is advertised then it is called a passive Income has become very popular nowadays It is believed that if you do this then you can earn passive income It will be created. From that passive income I I think you could probably buy a car Or you could go on a vacation somewhere Yes, you can pay some rent. If we understand this much about income I believe that income can be earned only by working It can be achieved. The meaning of income is that I work for what I get You get money, that is income. Yes. If I need Rs 10 crore, 50 crore or 100 crore Do you want to create final wealth or final level? What you want to achieve is only wealth It happens through creation. and wealth creation never is also not active. Ok? Wealth Creation is always passive. Passive. the income you earn If you invest in the right avenue,

10:53 Here we will help you in saving and The difference in investing also needs to be understood. Yes. Saving is that you keep your money in FD gave it, put the money in the account or You kept some money in your house. that is Savings that will come in handy when you need them Can. But investing is when you have Put the money to work. You got that money from someone Also invest in appreciating assets. that money at a particular rate It grows slowly. So when this difference which we will understand then we will acquire the right Mindset. We Will Have the Right Mindset Acquire and we will try at least we Will try to acquire the right skills as well so that we can acquire and this wealth creation So that we can move forward on the journey. so sir just this If I may paraphrase the difference so that People should highlight this once again that basically your income is always It becomes active. Meaning you get involved in it

11:40 Will be done. so there is no such thing as Passive income. That means you can call it passive income. You can also consider it as yours for 2 hours. You are giving me time. So you can have a passive income is it happening or are you giving me half an hour. But you are actively involved over there. Yes. Right. Like if I turn this around a little bit more Let me elaborate. We just talked about what People who are starting out or people who are making an income Whose salary is Rs 20,000 whatever. Many people also feel this thing that my Whatever my salary, whatever my income is Maybe she will stay here. anywhere in it There will be increments or whatever increase will happen That might not be much of a possibility. As much is my skill set or the industry or whichever sector I work in I. We are now in a dead lock You can experience how I work so that I can break this financial barrier

12:27 can I move forward from this and in what way can I I can grow exponentially. We just use it The only way is to save the money if you invest in it Gradually, the speed at which those investments Will your income grow or at whatever speed You grow, whatever your income is Whatever salary you get, slowly These investments are also growing at the same speed or at the same rate. We will start appreciating the rates. Ok? If you want to invest this wealth in the long term Creation pay or this type of investing pay Let's go. Finally you have a pillar parallel to you I will make you stand up. A financial pillar stands which will now grow at your speed Used to be. Well, as of now, you are earning alone. Were. You are still earning alone. So you He is also spending his time alone are doing it. But the second pillar that you created That is the wealth creation pillar. Ok.

13:12 He will keep multiplying it gradually. They It will compound gradually. and as if Warren Buffett has also said that compounding Is the eighth funder of the world. so the way in which this will compound it at one point He will overtake also. The speed at which you grow He will overtake the one he is doing. End This will be your final wealth. Right? So Basically, I understood that the one who is active The income is yours. So income is always active will remain. So, you have to invest your time and energy I have to put it in there. So if someone says It is being said that there will be passive income, this will be So, that is very unlikely. means I B 0.1% cases open the door to some passive income He must be going. But 99% have no active income Possible. Right? And the wealth creation that is happening He is always passive. so you like

13:59 At the start of your career, you had a job did you do it, are you doing a job? You can develop your skills You are developing it. You can boost your career What are you doing. Your full focus and complete The attention is on your career. Right? But As you earn money, you The salary comes, it is a good amount of salary Percentage Decent Percentage You Passive This has to be invested in wealth creation. Because today You are 20 years old, you can afford it today And you can work today. Your health today He will support you. but lets talk about 50-55 years Your income after that will be depreciated It will start happening because you are not healthy. Definitely the income will also start depreciating. And this is the percentage that I get You should invest 10% of your income. So it depends according to your income Will do it. If your income is low then definitely

14:45 You also have expenses. you have a lot of things I also have to have a meet out. Expenses Meet Out Have to do it. And a basic lifestyle you It has to be maintained. Right? As your If your income increases then your investing percentage will increase May increase. Yes. can grow and basically What is it that you invested in Now what will happen is that in the beginning it will be less it will happen but slowly it is increasing and today After 202 years it will increase so much that It could be 10x your income. it is right but for that you need long term Investing has to be definitely right Sir, this is basically what I understand from this That there is no shortcut to wealth creation. There is no shortcut to wealth creation. There is no shortcut. and i think this thing Everyone has to tie the knot properly.

15:32 Because I did as much research as I could Earlier I used to be very cautious about things Research these investment vehicles I too have said all this, friend, that there is no such thing You did not find out how you can earn quick money Or Quick can be your wealth creation. Not at all. not the big ones Billionaires found it. if you You will also see big billionaires, You will also see big investors. Let's talk about the biggest investor Warren Buffett. So Warren Buffett is today's Warren It took 70 years to become Buffett. Exactly. Many generations have passed by. if we See, in 18 years, one generation has grown from 12 years old Started investing. 12 years since the end He has done he has made a lot of mistakes. This is not a linear journey of his. So He has also made mistakes. but that so patiently same for so long The concept is to keep moving on the same principle It is an excerpt in itself. Right? Right. So

16:19 I think if we talk about mindset then Mindsets solidify here For people that you can earn on active income As dependent as you are, you should focus completely Active Income Par What Means You Where you are getting your income from If you are doing a job then you will get a good salary You are definitely getting that salary ahead It will increase according to your skill if you If you are doing business then that will also increase for you He is self-employed according to his skills Focus on that which will also increase but at the same time Time, this second which is your pillar, The wealth that will be created for you Don't ignore it. as soon as possible that Start the thing up. make your mindset like this because we need to focus here There is no other shortcut to wealth creation.

17:06 My income will take me only so far. But This is my wealth creation totally It depends on time. as fast as I can The more I start, the more my wealth Creation will happen. Definitely. just one thing in this I would like to say to all the viewers. Working is very important. Anytime this Don't be fooled into thinking that I will quit my job by doing this I can only do something else from where I can get easy money. This is very It is important that you go to your job. These It is very important that you run your business Do it and try to grow in it. Do your best. because the money you get from there What you earn is your entire wealth creation Source of. Exactly. the same money you Let's invest. You can use the same money on the scale Let's do it. Right? and this thing is clear sir it's very important to do so because we see that there are so many advertisements on YouTube which literally says that friend you are the only one

17:52 You can earn this much money by sitting at home for 2 hours Will you take it? All you need to do is input this little bit you have to have. I think this is the way Mukesh Ambani does not know. let them know If it were so then probably he would not have watched that ad. He doesn't watch it on YouTube. YouTube It has gone quite far. far ahead Already happened. So what I mean to say is that this He is misleading a lot of people. Because What is required for wealth creation? Focus and Consistency And this focus and consistency from misguided It is moving away. Meaning people are constantly They are youngsters who are constantly looking for ways I am here friend in minimum time How do I earn more money? Absolutely. Right. This is an easy sell, right? it is Very easy to sell. Dream. Right? means every This is the dream of any middle class person Brother, I should also have crores. Right? But There is no shortcut to that. if it would have been

18:38 Meaning everyone would be a millionaire today. Definitely. Right? And it is my belief that Philosophically and spiritually if you need crores You got the money on the platter and you got it for that You didn't have to work hard or you had to raise your level If you don't have to do it then it has no value There is something. Definitely. The journey is fun Not in the result. and also the financial Freedom or wealth creation is a journey. These It can never be created in one night. Right. So Sir just a little bit about it Let's talk on the next level. because You have such extensive experience. You deal with a lot of clients Is. So what do you think an average Indian who is young today is 20 years old So for that if he retires with ₹1 crore If it has to happen then what should he do? One Please tell me the clear path and if he gets 100 If he wants to go to crores then he has to have a clear What is the path that creates the sure shot?

19:25 I will create it and give it to you. Gaurav ji this is 100% possible and any amount of wealth creation These are journeys, they have come through this path. So so there is nothing like this is Is it impossible or is it so? This is for sure. it is difficult for you to be disciplined You have to have patience and understand some things will have to walk. yes if yes overnight is it a matter of a few days or something is there a guaranteed way that there is only one way or Have you found a way or a strategy? The word strategy has also become very popular these days. If you have kept any strategy secret Strategy and Secret of Hack If this there is something in the role million yes so that you You have already said in the beginning that this video is not for them but if we have serious wealth Let's talk about creation, let's do some mathematics I also talk about small things with you

20:12 I am talking about 30-35 years, I am only 15 years old I am talking about ₹1,000 invested Invest ₹15,000 per month If you get 15% return on it and 15% If it is invested for a year then this ₹1 becomes a crorepati. We are after 15 years, yes. Now I have taken the figure of 15% because Our index is Nifty 50 index Historically, the last 15 years of what it is called The CAGR for 20 years is 15%. Yes. so that translates with what we are seeing the way markets grow because If we compare wealth creation then We are dependent on the growth of our stock market We will compare because that is the growth of the economy It reflects the . This is calculated as GDP Don't confuse it with growth, it is different it occurs. but the markets and industries which It grows a little bit with speed It is different. So if we take 15%

20:59 If so, this is an achievable realistic target Is. Yes. Things go wrong there or there The problem starts when we are very Talking about huge returns of 40%-50% Let's start with what we see most often. Yes. Right. So in that affair we take risk I take too much and then it takes a little Gambling takes place. Gambling also happens and we have gone into the unrealistic real Are. the way we talk or The path you are walking on, no one has walked it before It hasn't worked. Someone got 50% returns here Do not achieve it consistently and do it too There will be people who might be there only once or twice in the world He might not have done it. Right? but we need to talk that as a common man what are you and I Actually you can achieve it. so what We can say that you told us this That's Rs 15000 15% pay for 15 years. Butt if

21:44 Is a boy or a girl starting it? Obviously some young person is starting it it's been 20 years and if it's 15,000 because Often at the age of 20, we stay at home are living and even if we get 20,000, 25,000 Are getting. We have kept Rs 5,000 and Rs 10,000 in our pockets. Fired for Money because Warren Buffett Started investing at the age of 12. So you cannot complain. Right? You You can't tell me, no brother, give me pocket money Needed I want to buy the latest iPhone. Definitely. Then you can stay on your iPhone You will go. Then you are not doing wealth creation like you said it has to be disciplined And we need persistence and patience. So lets say that if an average Even if a fresher invests ₹15,000 And if he invests for 30 years 15,000 is ok? Just 15,000 means Obviously after 30 years his salary

22:30 It could be ₹1 lakh, ₹1.5 lakh, or even ₹2 lakh. So Rs 15,000 if he invests it for 30 years If he does sir then what do you think? What Will the amount come? A small change I made in this I do it in calculation. instead of 20 years We start at 25. Ok? we these Let's assume that now he will also get a job Has been. and he has started earning Something. Yes. 15,000 calculation here Let's take it. He invests ₹15,000 every month doing. We are getting 15% return Because our market gives us this return Gives. These calculations were done for 35 years Are. Yes. Because he will retire at 60 The retiree will retire at 60. Yes. If I wouldn't even scale it up from Rs 15,000. I don't think that his income will ever increase Whatever happens, this one or that one will get Rs 20,000. If not then apply cap and you will get Rs 15,000

23:16 You want to deposit your income in your wallet Whatever happens, after 35 years you can handle it You can also calculate it if you want Oh my god, it becomes 22-23 crores after 35 years so if we can get retirement of 10 crores The corpus you were talking about is 100% achievable Done. Now I have set the cap at 15,000 only That's why I have installed it. I scaled it up so I will not do it because there will be inflation also. Yes. Yes. Then many people will say that friend You did not even calculate inflation. So that inflation set here inflation set here We set off. Right? when we If you do not increase the investment then Inflation set off from there. Exactly, exactly. so i mean this mind There is blowing. Right? means any person I can't complain that my friend Retirement friend I don't have money. It It is unthinkable. So you can buy it for Rs 15,000. Try to understand the value of Rs 22 crores

24:02 that how much it is. Even if you are 55 you If you are retiring then I am sure you will like it Meaning if you do not have 22 crores then 10 crores So, it must be so. You should retire 5 years earlier. You will have 10-12 crores. Definitely. So in 10-12 crores you can have like 20 years There is more life to live and easier retirement 10 crores, 12 crores, there is nothing It happens. 10-12 crore in today Terms. Yes. yes in this because inflation We have offset it. Today we have seen inflation The value of Rs 101 crore per time is yours. Wealth of that value according to that time You will have it. yes and this is just by Investing ₹1000 Right and Plus 6% You can calculate it according to inflation Keep doing it, keep adding. in a disciplined way In a di meaning you just have to invest your money in No, I don't want to do that friend, I will go from here I'll take it out and put it somewhere else. hey here

24:48 I think I will get 40% of the salary. Hey here I feel this is business This venture will give me crores in 2 years will give. So this is the discipline I think Because today's social media is so makes everybody feel like this too much, right? The world is moving ahead rapidly. Yes Meaning people are becoming millionaires overnight. FOMO, yes FOMO is created. means like this I think that means everyone has become a millionaire It is happening friend. People from small towns People from villages are becoming millionaires. me only He remained a millionaire. Only me, my friend, thousands I am playing. So what is it because of that It happens that we stray away from our path Are. So sir this is one of its main problems Is. I think addressing is particularly important It is very important for youngsters because Perseverance is greater than patience and consistency There is no weapon and nothing else. and this

25:34 Translates to anything in life Including wealth creation. Definitely. Now Sir let's go to the next level a bit and Let's talk about that 15% you did. So this 15% How easy do you think it is? You He said that Nifty easily means Nifty The average has been given. but what are some other ways which gives us maybe a little more than 15% can also be found or if someone has very If you want to play safe then invest less than 15% but there is no money in it There is no chance of losing it. So what What are the best options for a common man? Ok? Let's start it from the basics. So The most basic investment revenue is It is also available with Indians which I also have a bank account that is FD. Yes. FD We get a return of around 6.5%. Now let us come to its real rate of return. So our inflation is around 6.5

26:20 will be. We mean inflation adjusted This is not a return. Yes. whichever is the second We will earn interest on FD every year We will have to pay tax on that. Have to give. This means that whatever compounding it does, Even that which will happen will not be complete. means its Compounding will also continue to happen. Katti will go. It will be deducted because of taxes. So Your real rate of return will be It will come in negative. then fd is out of Question. Remove it. Next comes gold. Gold Investments Gold is still a good investment If we look at it, investment in India Not considered as much as revenue go. Its ornamental value and its feel Good value is very high. we all love to Buy Gold. But we still buy gold physically to buy, keep, wear, decorate in the form I like it more. Rather Than Digital In the form. And when gold is in digital form Only when it is purchased will it be able to be invested. We Gold is not taken for investment.

27:06 We definitely consider gold as an asset Are. But not as an investment. Although If we look at gold, traditionally it is close to The rate of return is 8-9% and gold Keeping it is also risky. means if you If you keep it according to the investment then it A little risky. B you can keep it in bank yes. But no it is very risky. Meaning I told you that as long as it is in digital form It is not safe unless you are keeping it. how much of your over a period of time Physical gold will be collected. to buy that to sell that and then keep it safe with you You play that compounding game in gold Cannot be done. Compounding, not so much. Yes But it is not possible. 8-9% return there He lives on. Then we come to properties. So property I think if we middle Talking about class, it is difficult. the house in which I live in the office where we work if we can pay the EMI of the same

27:51 If you are giving it then it is a big achievement. Instead of looking at properties as an Investment Avenues Consider That My There are many properties in many places that I I am considering it as an investment. So that can definitely be for rich people. or if the properties are running then it is Can. but we are talking about those who are fresh Those who are just starting this journey If you want to complete it then there is little property there C will become difficult. then the property It is difficult to purchase as well. Difficult to sell too Is. It's a big ticket size. Big Ticket Size Is. There is no liquidity. If you today If he needs money then you can't give it to him today Can sell. There is no liquidity either. Right? and there is one more thing sir that means Property is one thing and not many things To people, just doesn't mean appreciation Inflation gets a beating because it You also need to strategically choose the right property I want to buy one which will appreciate because if we

28:37 If you look across India, it is not like this. that every property is 15% 20 not at all It is being appreciated. how many properties Friend, even 8% and 6% are being appreciated. They Where and what location is your property? They There is land, what kind of land is it, it is flat Yes, that's a shop, a lot of factors. I mean it's not like you can focus on your work Get involved and it will happen automatically. You need to know that But you will have to get actively involved a little. definitely means overall it is not for the It is not for the average common Indian. donation We come to mutual funds and stocks. In my opinion mutual funds and Stocks by far are the most common. We Easily available and liquid. Liquid Methods in which any Indian can invest Can. It is very easy to buy, very easy have to sell. Your investment size It could also be ₹500. Even ₹1 crore

29:24 Can. You can invest comfortably Are. If you want to sell it, you need money, You sell it. Money will be credited to your account by evening Let's go. Money will be credited to your account the next day they are coming. Maintenance is very easy. Yes. Then if we look at a little bit more different assets Towards Classes or Different Investments If we move towards Alternative Investments There are a lot of them going on these days. In startups There are a lot of investments going on. but that Definitely again I am any kind of person who has started his journey The financial journey is a bit short for them It will become difficult. So Alternate Investment Funds I have heard that Usually they are for the rich because theirs too The ticket size is very high. Zee Think ₹1 It starts from around Rs. crore. Yes Because alternative investment funds are low Whatever happens, they decide it because if they get somewhere funding someone or doing something So according to that, they also basically

30:10 It was not for the common man. if that You are rich and you have a good net worth You can start with that. then its name It is an alternative investment fund. it is Alternative Investment. So first of all, what I There are investments, if you have made them Only then will you go this way. So if seen then You can call it mutual funds or stocks Investing in the market is a disincentive There is an option. High Liquidity You can purchase anytime You can do it and you can invest your wealth in it It is safe and plus it gets appreciated well too It is happening. So Nifty is also kind of like There is an index fund which we call a mutual fund I can only say this. Right? it's in the same category I came in. Nifi ah is a composite index. Meaning there are 50 stocks in it. so that On what basis is NIFI prepared, Index it is made that whichever representative There are companies from different industries,

30:56 Mostly all the industries are included in it It is taken and good companies are its Representative companies which are taken inside Are. So when NiFi moves, that is, when Even if these companies move, then Nifty The effect comes. Each one of his different There is weightage. So it is believed that the Overall our economy is growing, overall The direction in which we are moving, We got the idea from the movement of the companies goes. So when we say the market has grown If the market falls, we generally look at an index. We are tracking that index in 50 Made of stocks. Butt Stock Specification The action will always be this way in this Nifty It is a composition of. But you can also say nifty Meaning product wise it's like a mutual Funds only. Right? Because mutual funds are also a There is a collection of companies. nifty is the collection of the biggest companies that Usually Represent India and Indian Economy very well. Yes. Right? and from in

31:43 A Varied Form Varied Industry. Yes. There are different market caps inside it. There are companies. 50 representative companies They remain total. That is why its name is Nifty It is 50. Ok. Ok. so if we mutually Let's talk about funds. From Lets to Nifty Adding is also a very good option. Definitely you are the safest and you will get a 15% The CAGR of has already been given. Means Returns Compounded returns are given every month Nifty did. Now if we invest in mutual funds only If we talk then there are different types in this too There are mutual funds of Rs. So if any If you want to get a little more than 15% return then should I expect that or that It becomes risky or it is not that risky Yes, but it is quite effective. what is it to you Seems like? Mutual Funds as you said That said, there are many ways. So if you want to invest in mutual funds A little basic knowledge of mutual funds

32:29 That you should have. Yes. most for him In a simple way or at the most basic level You should know what types of There are mutual funds. such as small There may be cap funds. Large Cap Mid Cap There might be funds. Then Nifty fund is yours It happens. Nifty fund means that That fund only tracks Nifty. whatever is the composition of that fund which Stocks are as per the entire Nifty They are from. As much as percentage wise Nifty will move as much as that fund will move Will do it. Now coming to the point, we said that The return of Nifty is 14-15% The CAGR remains around . so which one is that Things that can give even more returns Can you? How can we invest in Mutual Funds You can generate more returns than this. Right? Traditionally, small cap funds It is considered that this is a higher speed We will grow from it. But if small cap We do not want to invest in funds.

33:15 If we talk only about Nifty funds, then a very This is a simple hack, by following which you can save 15% Or whatever the return of Nifty is at 15% Whatever the returns of Nifty, they do not stick You will be more beat than him in that period We will do it and that is a simple mantra, bye on Dips are okay if you are buying the index This means you are buying an index fund You are there whichever day the market feels like you Has it fallen today or is it because of any bad event As we have seen recently There has been a lot of correction in Nifty Buy on dips okay so whenever you buy on dip If you do then you can beat that percentage Nifty will deliver that in the meantime Because that CAGR is linear on that It will be calculated based on the starting value which is the final value but you buy on dips then The extra boost you got You will get the extra boost that is yours The investment will go into tranches

34:00 And it will continue going to lower levels. Right Right. So if we look at it this way Sir it means this These strategies are so simple and It is elegant. There is no such thing that any You know there is such a panacea which means A lot of it keeps coming into the market. Right? because often Success is like plain, simple patience, Persistence, Hard Work and Just Having It Faith and commitment. About Simplicity I'll just add one thing. Einstein said It was said that there are five stages of human Intellect. we means how our Intellect moves forward. he had said The first one is smart. we are at the basic level We are intelligent above that. We are the third The level is brilliant. We are at the fourth level It is genius and fifth level is simple. Yes, yes. Right. Warren Buffett also said

34:47 that if you can change the life of a five year old in 5 minutes You cannot explain to the child that you have done this Why have you made the investment? It means You are not clear about it. Right? one by one Scientist Richard Feynman also That's exactly what she said or else Einstein quoted either one hey ah that if you don't understand if you can can't you make it understand in 5 minutes to yourself kid that means you don't understand it Yourself. Yes. So it is absolutely correct that Like means we are saying that mantra or for that thing We stay put and in that process we lose 10 Burns hands at the spot. Yes. then his what happens later that we don't like that whole thing that you would have crossed the whole domain Are. Like for example not brother stock I do not invest in the market to do. Not mutual funds, but indexes No funds, no nothing. friend if you are in india not investing in the growing economy of

35:33 If you do this then how will you benefit from that economy? will get? what are we doing in india today Today foreign countries are investing. India's GDP growth is among the Developing nations have the highest. Highest. And Infact it has been like this for some time now That most of the sub countries are in the negative Growth is continuing. we just stay positive Are. And post-Covid, yes, especially Have been in a very good and positive state. Right? Right. So like this the whole world's GD of India is trying to put it on the growing economy and we They miss that opportunity just because We had deposited money somewhere on the advice of two-three people. and ours was there and usually It often happens that where the sale is made There have been scams involving quick get rich. or it happens that trading also There's a lot going on. FNOs are quite a lot going on.

36:20 Right? People don't know the reality in that too There would be very few people who are earning money and for that very high level skill is required Very few people want this, only 5% of people want it It is nearby. Right? If we look at the study of SEBI If you look at it from the past, some time ago Maybe you have read that study. SEBI has a The study released said that 93% of FAO Traders remain in loss. a those who Maybe one or the other remains in profit It is 2% or a very low percentage. I don't remember it exactly. very little This is the percentage that beats FD returns We are able to do it. Oh my god it's not even 5% Actually, people who make a reasonable profit For which FNO should be done. than this You will also invest in FD and leave it So that is better. It is better. At least you and In trading, you will like it all day long stress is different meaning you have your income

37:07 You are not able to work properly there also We are not able to do skill development there. Yes, what I mean to say is that trading very limited limited limited people It has been taken. Meaning, what I think is that His emotional maturity is also of that level Should be. I mean, as much as I know I also hear about trading like I live with people, I have heard this too that those who are profitable traders generally They are big traders. Institutional There are traders. who has sophisticated Algos are available. who have that many teams Is. He has that many technical skills The man does not have technical skills. he is like that It is not that he sits in a room and eats four Look at the charts and he made the trade. well they have very sophisticated algos and I mean I've heard of it, look I've never I don't know that he makes 100s of trades in one Let's execute it together. ok and In their aggregated profit they

37:52 There is aggregated profit which is visible to us and half of his trades are also in loss They go away. Those half stop losses would have been hit Or half go into negative. So I think for a common man this is It's a very far fetched distant dream that He was able to be consistently profitable in this. If I made profit today it means No I am into consistent profits Am. yes yes yes means whatever you have in this He has skill but has a limited role. Quite a lot of it Luck also plays a role to a large extent. can say Are. Right? So or I think this is also a distinction There is a lot to do. because people get distracted No. People remained focused on their own paths. Wealth will be created. Every person is rich It will be done but there is a right way for it. Right? So First of all, let us make it clear that Mutual funds and then stocks like one Retail investor means a common investor

38:39 Like you and I, we are in stock You can also invest in mutual funds You can also invest in. So in this Is there a better option? In which more There is a chance that the returns will be high and the risk is high Or which one will have more or less also discuss and plus mutual How many types of funds are there in funds Tell us a little about that as well. I think, as far as the question is concerned, we Which is better, mutual funds or stocks? Select it? so i don't think so that we Need to select. both of them The avenues are very attractive. both of them The avenues are very good. Ok? a little It will depend on how much our skill set is Is. what is our understanding Regarding the financial markets. We value Well, this is my average understanding. I understand a little bit about things and

39:25 I think I'll get into stocks too I can invest. so definitely I I can at least study mutual funds Am. Yes. So I would invest in both. I can. How much money is in mutual funds I want to do it, how much should I do it in stocks Again it will depend on how much knowledge I have. Right? But if I don't think I will Not interested in stocks at all Am. friend, it is beyond my capacity to do this much I should see it, study it, follow up. Then mutual funds are correct. Yes. Because Your funds are in mutual funds Fund managers manage it. Yes. To you What is the plan? You have to select that Which fund should I invest in? Like you just asked which ones Are there funds? So there are many types of funds Are. There are small cap funds, mid cap Funds, Large Cap Funds. then on theme Funds are based. means that like It will be based on infrastructure theme. This Let's talk about thematic funds. or sectoral The funds speak. Yes. On infrastructure

40:11 Maybe, maybe on green energy, It could be any other industry, It can happen on defense, it can happen on railways Is. So in this, whoever is related to that theme or that sector There will be related companies, connected companies She will be there and will come. Ok? So this way you You can select from this also. And you need someone No need to invest in a single fund Is. Yes. You can select many funds. Suppose I take an example. To you Have to invest ₹5,000 per month. Very I am carrying a small amount. and who People are also listening about their amount Multiply or divide it accordingly Can be done. You can invest in 10 funds even in ₹000 per month You can invest in it. ₹-500 per fund Do it in me. Yes. because that unit is You have to make a purchase. So those units are the whole fund will represent. Now, if a question is I said, brother, I don't understand anything. Me want to invest in mutual fund But I can't even select that

40:56 I can invest in small caps and mid caps Or large cap and themes are my thing It is beyond understanding. So you answered it a little I gave it to you myself some time ago. Index Index Put it in. Index funds are also available Is. There is a passive fund. This means that it Does not have to be actively managed. inside it The composition of the stocks, the weightage happens, it is exactly like the index It represents. as much as the percent index It will move, this will also move by the same percentage Will do it. And this is completely direct It is linked with India's economy. Right. It is long at the same point or from the same reason The term will have a negative turn. Short Term I am not talking about it. In the long term this There can be a negative turn due to just one reason Is. If our country stops growing that if for some reason our economy does not Should it grow or will the economy start regressing? Do it which is not possible. of India The economy is growing very strongly. So

41:42 Index fund has become very easy, it is safe Went. well many people say that the index which it happens it is passive but index It is not passive. The index is also actively It is managed. Ok? stock it The exchange and SEBI manage who C company is included in it, Which one is coming out? Not a fund manager But regulatory bodies are managing it Which company is coming and managing everything It is coming, which one is going. so this Its performance remains consistent. Right? So that the Indian economy is one for all There were attractive opportunities. so they keep on Actively managing that. Ok? so small cap How much return does the fund have? What can be expected? is that Could it be a little better than the index? Definitely all these are called equity funds. Because their money is in equity investment happens and when directly Investing in stocks, index Investing in stocks instead of investing in

42:27 If yes, then a good fund will be the one which is based on the index Give more returns than. Whatever funds were There is a benchmark in front of him. In comparison to which it is measured. If it is a small cap fund then small cap The index will be its benchmark. Mid Cap If yes, then the mid cap index will be its benchmark It will be. Yes. Now this is a very interesting thing. These There's also a study that came out some time ago that More than 60% of equity funds have their Cannot beat the benchmark. Ok? Whereas They are managed very professionally. So This means that whatever our index is, That's Nifty Small Cap, Nifty 50, Nifty is a large cap and that too is one in itself Very Formidable Investment Vehicles Are. Yes. You should not take them lightly. For him You can't take it lightly. So where you As far as performance is concerned then definitely a So past performance does not tell the future

43:14 Can. But still you look at the past How has that fund performed so far because the entire performance of the fund It will matter who is the fund manager Is. So you can see a little bit about what This fund is running in the same manner. does his What is the long term performance? one month old Or never look at the returns of three months. It can be anything, positive or negative. Try to understand it a little long term do it and the best thing would be that you do something Keep it divided into funds. your money to Save the money by investing everything in one fund If you want to do business in small cap also then there are many small cap Funds may be from different companies Keep it divided a little. Ok. so that means You said that a research was published In which basically if you are a small cap If you buy a fund, then if the last few He set a benchmark for the period Let's say it gave 18% return So in 60% of the cases, yes. That 18% is not reachable

44:03 Will do it. Maybe the stop is at 15 or 16 It is definitely possible and happens in 40% of cases It is possible that it can beat 18% ok so i mean the performance of the past that is not indicative for the future Performance yes because of this I mean index It is a good idea to have the fund in your portfolio remains. yes means a significant Percentage your wealth to your You can make investments in index funds Put it because that is a balance out work Will do it. Will work as a balance out. whichever you want to invest money in mutual funds So definitely include the index in it. Yes. So this small cap is this mid Gives higher returns than cap and large cap Is. Right on an average. I mean, as much as I I saw that large caps are up I think 12% Let's say N average. obviously this It keeps fluctuating. and mid cap On average around 15% for large and 18% for small.

44:49 What is the reason that it is more of a small cap It happens? Small cap fund means that it There are small companies. small company inside her Meaning it is small in terms of market cap. Despite their small market cap, many It could be in crores or thousands of crores Is. And large cap means that it Well it goes into lakhs of crores. It costs trillions of rupees. stock There is a very simple thing in the market that The stock price which will move will be the profit of the company Moves by relative performance will do it. We provide a simple example of relative performance what does it mean what is the size of the company and Its performance is according to its size How much has it increased or decreased? yes for example If a company has a market cap of Rs 1 lakh It is crores. yes whatever his performance increased There has been an increase of 5000 crores from that. Now 5000 crores is a big amount. Yes. Butt hers

45:35 In terms of percentage, that is 5%. Yes. So Only 5% change will reflect in its stock In Price. Yes. Now there's a small It is a company whose size is Rs 1000 crore. Yes. yes whatever his performance is If it goes well then it will have a value of Rs 500 crore It was added. We are that 500 crore and 5000 crore The front is definitely smaller in absolute terms But in relative terms that is 50% of that. yes so there stock price increased by 50% It will fluctuate. We are small because of this Caps any positive change or negative Both are more responsive to change remain resonant than large caps. So large caps are considered stable The reason for this is that there are several thousand of them The changes that happen up and down even in crores It is not that effective at its price Would bring it. Right right? and that's the logic isn't it

46:20 As if it has become a big economy like the US Gaya has a 30 trillion plus economy So the US is also growing, but its The percentage is only 2% but India is still there It is growing at 8% because India If the economy is a small economy then this is India Another reason could be that like this Small cap companies have time to expand There's still a whole world out there for it. yes definitely now Large cap company suppose we are a big Talk about FMCG company, that's anything If you make a product then the more He could achieve penetration and he did it Are. You have reached saturation. Every village Their product is available in every corner shop I will get it. Now his jo increase in revenue or what is driving their growth Can increase it. rise in population because The product is already in full demand. So, this small company has to do it now Have to penetrate the market. he just started

47:06 Have to do it. You can also compare it with a startup Can do it. Why startups are popular Are there startup funds or startups Why are investments becoming popular? Because they are going to tap the market now Are. have you come up with some new technology or Bring something and start tapping the market do. Yes. They have no value right now Is. As soon as the market starts to tap So their value will start increasing. Now this These are the exact startups No, but it is small. this is also yours now It is a big journey and we are starting it Starting in the regulated way. Your All the information is in front of them. Very More value remains to be unlocked We can say this in this way for them. so ok Is. So, do you understand the meaning of small caps? Went. Now let's talk about Like Stock If someone wants to invest in the market So it is often considered very risky It is believed that the stock market is up and down It could happen very soon. if you have

47:53 If you don't have the skill, you might lose your money. You can. Everyone has one in their home This is Kes ji that this is grandfather and this is uncle Uncle lost so much money in the stock market In. yes sir what skill set is required for this It happens to which person and which type of person You will recommend this to people and will consider it correct what is the way to do it directly If we are going into equity investments This means we own the stocks We will select the funds ourselves and buy them Get your funds managed, not by a manager have been. First of all, you have a portfolio You will have to understand the concept of. Portfolio We know there is a collection of stocks. I get all the stocks I have Let's create my portfolio. Bouquet. Now let us take an example from a bouquet. if we If you look at a bouquet, there are many types of flowers inside it There are flowers. Yellow Flower May

48:40 yes, it could be a red flower, a white flower Maybe some green elements too They are inside it. I butt he had it or They are not random. Every flower every stick that It is put in a bouquet, that bouquet Adds value. thereby her beauty and There is an increase. Your portfolio is like this Is. Whichever stocks you choose in your portfolio I am including them in your Should add value to the portfolio. your portfolio somewhere You should strengthen yourself. somewhere Should balance out. Right? So you are someone Create any kind of portfolio. You Whether you do large cap or mid cap, Do small cap. If you have a portfolio If you go with the concept then definitely you Create a well-balanced portfolio will find it. But if you randomly hazardously Stocks from here and there, someone told my uncle Upon hearing it all. did a friend tell you or somewhere Did you get a tip, something or something that you caught?

49:26 There are thumbnails that this stock has risen so much He can do that. So now he is an imbalance portfolio cannot say anything about him that he Which one will work because on any theme or That portfolio is based on any concept Not there. His profit loss ratio is complete It is disrupted. yes, somewhere it is It becomes just like trading again If you look at it, it means less than trading risky obviously because you are long term You are investing for this but still like it That little bit more, with the help of luck you can get more You are going. just like in trading You are pretty much blind. This portfolio You are also blind to a great extent. If Even if he is not blind, he has blood vision. Yes. And because of this like you Babi and Sir in this This might happen to a lot of people too Not diversifying. because we We hear horror stories in everyone's home Those who like this, earn crores of rupees I lost it. So that is obviously the whole

50:12 The stock market has not gone bankrupt. That may have happened because they probably One or two such companies would have been selected. in that All your eggs in one basket I must have put it there. exactly and then it crashed because its someone was late Some company's scam has come out. Right? Definitely if we go historically also If you look at it, I think it was 20-22 years ago. There was a big software company. all of a sudden It was a very big company. Suddenly his owner One day he stood up and said that ours is V R Bankrupt. We don't have any money. Some? Some time ago, a bank also had all these things It was developed. Still recently we saw That was a very popular company Inside. So these scams or these types of Disclosures or don't even call it a scam. it There could also be a business problem If he wants to do business then finally he has to do a He tried his best in business but it didn't work Found. In front of investors for some time

50:58 Rosie was in the picture and finally when she opened up When the real picture comes, it is a complete disaster It happens. But there's only one way to avoid it the way is that exactly what you said don't put Your Eggs in One Basket. Your Portfolio Diversify. Make a bouquet. Make a bouquet. don't take it by itself Let us go. Any bias in your portfolio Don't let it be created. do not let it tilt Give it to any one side. If you have equal Investments have been made. any stock Your portfolio could not be managed Ok. It is bound to happen that it could not work out. every The stock may move a little in your portfolio Of. And even if that company closes down, how much A big scam came out in him, anything It won't make much difference to you because Rest your portfolio will remain healthy. That These scams have also evolved over time. whenever whenever It has also happened if it has happened in any bank. As such It did not happen that all the banks were together They. That was in that one particular bank. Any

51:44 Even if the investor has over exposure to that if the particular was in stock then they Definitely it would have made a difference. if but He must have taken out the balance and left It wouldn't have made any difference to them. we are good There is one and the other scam going on in the market has been and I think a lot of people become victims and then about Awareness must be brought about as to what happens that many people, and especially those people, get trapped those who are going into the stock market but they don't have proper knowledge And maybe his dreams are very big too. Right them is such that we can do it in less time Have to earn more money. Those people are more One gets trapped in such scams. so what happens in the market as if a particular person The company came and you never said anything about it I haven't heard it. but suddenly with in like For two to three months you can see that company at different places

52:31 You will start listening. a lot of people on it making videos. Lots of creators Have become. That company is also appearing in the news. Quite right away. Now that company came in 2 months Nobody knew about it before that. And His hype is being created so much that his The price of the stock market is The shoot is done. Now you are paying in that high price You buy and you buy a lot. You Do you think that friend I am going to invest Rs 1000 in this? I will buy the units. Buy 100 units I take it and you make a lot of money in it You try it and then you find out at the end As if you invested money, it would push in a week. In the hope that it will continue to grow. He and Will increase. He is right now, he is right now, he is till the moon He has to go. Isn't it? now it's just that It is happening. Now he has to go to the moon. So we hear these stories that Rakesh Jhunjhunwala ji said that because of Titan

53:18 Became a billionaire. because of one company Company can change lives. Right? So this in the hope and it may be that these companies This is the kind of money that influencers get They get promotions done by giving money. So Influencers also convey the same dreams to them Are. Yes. Right? So what is this, what is this scam

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