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How to invest your salary regularly in Stocks - YouTube
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hey everyone welcome to today's video so
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if you would have invested roughly 70 75
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rupees in amazon back in 1997
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that investment today would have become
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roughly 84 lakh rupees you could have
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purchased a ferrari you could have
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purchased a villa in goa i don't know
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but to cut the long story short you
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could not have done anything because
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these are khayali returns and very
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similar to like khayali pulao you can't
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do anything with these imaginary returns
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we as normal retail investors do not
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have the patience to hold these type of
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things when things go up so dramatically
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we will cut our positions whenever we
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make even 30-40 percent gain but is
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there a systematic way to keep on
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investing our salary every month in
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sensible stocks so that it gives us good
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returns now i am not promising hundred
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thousand percent return or 500 000
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return or thousand percent return
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something like that i'm talking about
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investing in decent companies month wise
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in a systematic manner can that be done
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and can you benefit from it as a normal
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retail investor so that is the
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conversation that we are going to have
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in five simple easy to understand steps
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and also along the video i will share my
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list of 10 stocks that i will do sips or
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systematic investment plan in now sip
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simply means that if i am getting a
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salary of let's say 50 000 rupees i'm
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able to take out 10 000 rupees for
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investing then i will put this 10 000
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rupees spread across these 10 stocks so
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that is the list that i am going to
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present now an important disclaimer this
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is not a push from my side to go and
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invest in these stocks please do your
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own due diligence please build your own
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investment strategy and please be
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responsible for your own money so that
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is a simple message that i want to give
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out but i will give a very honest
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discussion analysis as to what sit-based
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investing is why you should be doing it
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and present a list of stock along the
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way and this will be a well-diversified
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list of stock which comprises of both
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indian and the u.s stocks so let us get
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the discussion started and five simple
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points so point number one is that what
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is sip and what are the advantages and
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disadvantages of sip based investing so
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sip in simple words means systematic
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investment plan this is also called as
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dollar cost averaging or rupee cost
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averaging please don't go after the
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terminology please understand the
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concept behind it the concept is fairly
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simple that you and i are making some
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kind of salary or some kind of cash flow
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every month through our job through our
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business etc etc we get a certain amount
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of money that we want to invest in the
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stock market in a systematic manner
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without thinking too much every single
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month in the stock market so can that be
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done and that process is called a
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systematic investment plan so let me
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take you to one of the key instruments
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in which sip is run and this is called
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as index based sips so basically if you
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are investing 10 000 rupees in index
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every month that is called as investing
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in index or running an sip in an index
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so you will pick that 10 000 rupee fifth
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of every month or 10th of every month
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and you will keep on putting it on this
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index so your investment might look like
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these red dots that you are investing
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over a long period of time periodic
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investments every month and in the long
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run what will happen is that you will
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get averaging benefits because you can
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see that nifty goes up in the long term
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snp goes up in the long term and if
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you're investing periodically that
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period can be weekly also that period
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can be monthly also that period can be
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bi-monthly also so if you invest in a
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periodic manner what advantages are you
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going to derive you will derive three
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key advantages number one you will get
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averaging benefits so what is meant by
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averaging benefits so let us pick an
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example so for example here if you are
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investing in point a and you continue to
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invest in point b also here if you are
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putting 10 000 rupees you are buying
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fewer units at point b again you are
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putting 10 000 rupees here you will be
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buying more units so on an average you
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get to purchase more when the markets
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are down and you get to purchase less
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when the markets are up so this gives
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you averaging benefits and this reduces
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your risk in the stock market the second
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key advantage of sip for dollar cost
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averaging is that it creates a system of
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investment you might have noticed around
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you then when markets are running up
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everyone tries to chase the market they
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invest only when the markets are going
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up when markets fall there is a lot of
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panic people stop investing people stop
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their sip also if you go and meet some
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uncles in park for morning walk they
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will say that you know what i read some
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news that this is going to happen with
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this talk so why don't we all invest our
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money in it then after reading news
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people start making investment so all
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these are bad methods this is not a
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system of investment this is a system of
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countering countering simply means that
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you're just going and gambling your
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money so doing sip based investment
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kills this pondering it builds a system
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for you it takes the panic away from you
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you don't get super excited when the
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markets are going up you don't start
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panicking when the markets are going
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down so in very easy to understand
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language it kills the emotion in
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investing and that is a very very
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important skill to develop as an
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investor now comes the third key
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advantage and this is one of the biggest
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mistake that investors make which is
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trying to time the market that i will
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invest the most when the market has
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fallen the most i will invest the least
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when the market has reached the top we
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can't do it and half of us keep on
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waiting for the markets to correct or
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markets to go up so sip based investing
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kills this problem as well now let me
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very briefly touch upon the
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disadvantages of sap based investing so
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first and foremost it is super boring
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why because there is no thrill you are
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going and investing in the market every
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fifth of every month or tenth of every
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month in a systematic way
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and yeah you are not even following the
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market so it might not be thrilling for
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you and it is pretty boring so this is
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the first key problem that there is no
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thrill and what will you talk about with
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uncles that you find in part so that is
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the number one problem now the second
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key problem in terms of sit-based
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investing is that you actually do not
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end up timing the market at all so you
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just forget about the market and
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sometimes it might actually make sense
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to time the market now what do i mean by
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that because this looks confusing so let
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me pick an example and explain so for
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example here you can see a downward
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falling curve here you can see a
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downward falling curve here you can see
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a downward falling curve so you should
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be investing more and more of your money
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during these downfalls you can back test
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this
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all the way to 1930 and people who have
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invested in these downward falling
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curves are the ones who end up making a
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lot of money it looks very scary when
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the markets are falling and every day
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your portfolio is getting redder and
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redder by the day and that is not a very
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appealing sign but if you are a constant
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sip based investor then you might not
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increase your investment amount when the
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markets are falling and this is a
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mistake that you should avoid in fact
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when the markets are falling that is
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when you should be purchasing even more
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aggressively now again our disclaimer
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that i am not pushing you to go and
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invest in the market please do your own
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due diligence and please act as per your
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understanding i am just sharing my
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viewpoint now comes the third key
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problem in terms of dollar cost
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averaging or sip based investing it is
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that you end up purchasing the entire
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index so for example if you are doing
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sip in nifty 50 and if some bad stocks
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bad i mean according to your definition
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of bad if they are part of nifty 50 then
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you inadvertently so the word of the day
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today is inadvertently i have covered it
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earlier also so do let me know the
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meaning of the word inadvertently so
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inadvertently you end up investing money
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in bad stocks the stocks that you
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consider to be bad so for example let me
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pick my definition of a bad stock
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according to me and this is not a push
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that they this is a bad stock good stock
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you do your own due diligence i am just
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picking this as an example so according
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to me something like bharti airtel is
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not a good stock but it is a part of
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nifty 50. so you can check this on the
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list also that it is a part of nifty 50.
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now why am i saying that something like
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bharti airtel is not a good stock
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because if i go check its price you will
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see two three key things so one you will
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see that bharti airtel for a period of
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almost 10 years gave an average return
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of zero percent right so it is a highly
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cyclical stock so to say so this is
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0.1.2 systematically if we study the
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fundamentals of bharti airtel what you
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will figure out is that this is a high
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debt company so let me show that to you
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through ratios also so you can check
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debt to equity ratio and its debt is
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crazy right it is very very high levels
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of debt and this can be checked on the
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balance sheet also that it's borrowing
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keeps on going up and up and up finally
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let us take a look at the growth of the
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company so if you take a look at sales
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or the total sales 10 years ago they
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have not even been able to double their
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sales in a period of roughly 10 11 years
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so which is not a great sign for me so i
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would refrain from investing in such
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stocks but the problem with sap based
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nifty or sensex investing where you are
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trying to buy the index you have to by
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default get invested in these companies
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which i as an investor would want to
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avoid so according to me these are some
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of the advantages and disadvantages of
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sip based index investing so now comes
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the natural question that is there a way
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for me to avoid this index investing
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problem because i also don't want to get
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invested in something like bharti hotel
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and similar kind of stocks okay so
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typically speaking you have two options
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so number one is that you do index
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investing for example if you are
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investing in indian index then you have
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to by default buy something like nifty
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50 or sensex if you are picking us then
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you have to buy something like s p 500
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or vanguard fund from a global investing
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perspective so this is called as index
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investing and i have already discussed
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the advantages and disadvantages of it
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now comes the second method that you can
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create your own list of stocks and you
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can do this in india also and you can do
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this in the us also for example the
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knowledge partner on this video is
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vested so they have come up with a west
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where i have created my own briefcase of
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u.s stocks and you can go and check it
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in the description box and if it looks
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okay to you then you can create a
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similar vest for yourself this is
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absolutely free of course there is no
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charges in terms of creating your own
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waste so from that particular
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perspective you can create a west on
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wested that can take care of u.s stock
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investing and similarly you can create a
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west for indian stocks also and you can
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start investing in it so your goal every
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month becomes to invest some amount of
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money in your u.s stocks and some amount
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of money in your indian stocks now again
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not a push from my side if you're not a
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believer in u.s stock investing please
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do not invest please only invest in
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indian stocks similarly if you are not a
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believer in indian stock investing
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please do not invest in indian stocks
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just invest in u.s stocks i am just
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suggesting all the options because i
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myself invest both in indian and the u.s
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stocks so now comes point three and four
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these are very important points that
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what type of west or what type of
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briefcase you should be designing of
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stocks that you want to do your sip in
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okay so let us speak about what type of
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stocks to add if you're a complete
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beginner so first and foremost pick
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simple stocks what are simple stocks
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simple stocks means that are generating
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increasing revenues with every single
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year or almost every single year plus
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there are profits that can be seen on
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their balance sheet for example if i
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show you the chart for hindustan
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unilever you can clearly see that the
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sales have been going up there has been
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no problem second you can see that net
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profits have been going up there is no
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problem so it is very easy to identify
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these type of stocks remember another
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point that please do not invest in very
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high debt oriented companies because you
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will have to constantly monitor these so
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go take a look at the debt to equity
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ratio here it is only two percent for
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airtel it was close to 250 percent debt
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so very easy to identify simple clean
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stocks so these are the type of stocks
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in which you should be doing sip based
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investment this is point one now comes
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the second key point that whatever
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stocks you are adding in that best or
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that briefcase it should look like a
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portfolio for example if you pick
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infosys also if you pick tcs also if you
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pick wipro also and you buy 10 such
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similar stocks then that is not a
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portfolio you have ended up putting all
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your money in just literally one sector
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so it doesn't look like a portfolio so
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please have a split of different
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different things for example you can
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have some pharma stocks you can have
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some fmcg stocks you can have some
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banking stocks you can have some tech
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stocks so create a well-designed
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diversified portfolio now i will also
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show you how i will invest one lakh
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rupee in the 10 stocks that i'm talking
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about given all these three points that
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i'm currently speaking now comes the
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third point that whichever stocks you
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are adding to your portfolio it should
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align with your investing style now what
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is meant by investing style now there
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are different different types of
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investors for example there are very
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aggressive investors which will only
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invest in very high growth asset for
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example mr vijaycadia he tries to invest
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a company very early invest a lot of
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money and he is okay losing money on
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eight of his investments out of 10
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because the two investment that will
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survive it will give him massive gains
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very similar to the amazon story that i
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was telling you at the start so these
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are called as high risk investors do you
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want to become like them i can't suggest
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if that is what you want then you can
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definitely create a slightly more
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aggressive portfolio on the flip side
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you can become a slightly more defensive
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investor that we will invest only in hul
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and itc type of companies that's it we
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don't want to lose a lot of money
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because equities are very risky so you
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are also not incorrect there so you need
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to figure out what type of investor you
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want to become now you will say that
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actually this is getting like very
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complicated can you explain it by using
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a real world example yes so i will
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create a portfolio of one lakh rupee in
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front of you using the list of 10 stocks
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that i will be doing sip in from this
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month onward but before that let us
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complete point number four that what
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type of stocks you should not be adding
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into this portfolio so the answer there
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will be complete opposite to what i said
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as to what type of stocks you should be
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adding but let us quickly go through
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that list as well so three simple points
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that number one please avoid high debt
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companies for example airtel does it
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mean that you should never purchase high
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dead companies i am not saying it but
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what i am categorically trying to say is
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that if you are doing sip in stocks
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where you are just putting money month
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after month please avoid high debt
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companies this is one number two please
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don't invest in companies where you
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don't understand how they are making
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money the classic case in point
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according to me will be something like
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paytm i don't understand how paytm is
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making money anymore so i have not put
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even one rupee in paytm and that is the
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same viewpoint that i have been
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expressing since that time even before
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paytm's ipo launch so you can go and
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check it out on my previous videos third
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and finally please do not invest in only
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one dimensional on one type of stocks
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again the i.t example that itcs also we
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prove also infosys also and you know all
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stocks all i t no please don't do it
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because what happens in the market is
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that there is something called a sector
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rotation there are times when certain
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sector will be pumped up so the entire
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id sector will go up then it will be
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pumped down so if you end up getting
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caught on the wrong side of the equation
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you might end up losing a lot of money
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so please hedge your portfolio please do
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not make your portfolio one dimensional
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now comes the fifth and final point as
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to how will i invest one lakh rupees in
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an sip mode across 10 stocks that i'm
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picking so here is a list of 10 stocks
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why have i added these 10 stocks you can
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watch some of my previous videos on
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amazon microsoft hindustan unilever i
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recently made a video why did i purchase
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something like hdfc bank access bank
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icici i also talked about the fact why
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am i adding something like bajaj finance
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so you can figure out my rationale of
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adding all these stocks through my
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previous video so please go and watch
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those and i will link some of those
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videos in the description box also but
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now let me show you how will i be
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investing one lakh rupees now you'll say
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akshat one lakh rupees is too much how
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will i get access to one lakh rupee
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every month so please adjust the amount
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don't make it one lakh make it a
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fraction so if you can invest ten
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thousand rupees that is also fine you
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can follow the same methodology so if i
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have one lakh rupees to invest every
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month then i will invest roughly 30 to
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40 percent of my money in tech companies
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in the us because i do not buy indian
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tech companies tcs is the first tech
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stock that i'm buying as of now in india
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but other than that i am buying all my
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tech stocks outside india so 30 to 40
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percent of that money will go where to
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companies like amazon apple microsoft
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especially now because these companies
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from their top have corrected by even 30
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30 40 40
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so i'll be aggressively doing sip as of
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now given the market dynamics here
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second key category of stocks that i
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will purchase it will be financial
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companies in india so i buy finance
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stocks only in india so here i will
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invest roughly 40 percent so my money
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will go to companies like hdfc bank
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icici access and hdfc emc also i know
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i'll get a lot of heat but yeah so these
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type of companies i'll be purchasing
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every month now remainder of my
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portfolio which is between like 20 to 30
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will be slightly more defensive so this
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would comprise of companies like davar
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nestle hul etc so these are some of the
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key companies that i will be purchasing
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now my portfolio size is big i will not
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get into speculation some will say that
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actually we saw your portfolio that was
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not my portfolio that was just last
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year's portfolio so to say i have
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multiple dmat accounts as of now and i
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segregate my ear wise investing into
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different dmat account i'll make a
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separate video on that but to cut the
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long story short this is what my
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portfolio will look like that 40 finance
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roughly thirty to forty percent take and
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roughly twenty to thirty percent
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defensive so you can let me know
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whichever stocks you are not clear on
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i'll make specific dedicated videos on
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that so do let me know in the comment
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box if there are detailed videos you
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would want to make why am i adding these
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stocks i'll be happy to do it now before
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i let you go let me encapsulate a few
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key points regarding this style of
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investing point number one if you are
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investing let's say 10 000 rupees as sip
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there are some stocks for example let's
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say bajaj finance cost 4 000 rupees as
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of now so you would not be able to buy
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bajaj finance type of stock every month
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so what you should be doing you should
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be buying it every alternate month so
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that is how you should adjust as per the
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quantum of money that you are investing
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this is point one point two when the
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markets are moving up there will be
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stocks in your list or in your west that
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will be moving further higher than the
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market so be more conservative in
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investing in those stocks as per the
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market dynamics so please track the
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market dynamics this is not buy and
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forget type of a strategy similarly if
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the markets have corrected quite a lot
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then increase your sip amount try to
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invest even more money that month if
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possible third and finally please make
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notes about the market there are market
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changing circumstances you have to stay
[1067]
on top of things investing is an active
[1069]
game it is not a passive game that you
[1071]
know you have invested buy and forget it
[1073]
will become like an amazon like story
[1074]
for you no it doesn't work that way let
[1076]
me reveal the answer as to why retail
[1078]
investors usually do not make 120 000
[1081]
gains on stocks like amazon very simply
[1084]
because once the stock moves up by 40 50
[1086]
60
[1087]
we do not have the patience to hold it
[1089]
and i'm not saying that you should have
[1090]
the patience to do it because no one
[1092]
would have that zen level of patience
[1094]
but the important point is that every
[1096]
month you should identify good
[1097]
opportunities to invest and invest in a
[1099]
systematic way because every month you
[1102]
do get opportunities to invest so please
[1104]
do not forget it please create a system
[1106]
please understand your investing
[1108]
appetite and investing risk and try to
[1110]
identify the type of investor you are i
[1113]
hope you enjoy the video please press
[1114]
the like button share it with your
[1115]
friends and i will see you soon
[1136]
you
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