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ARPY Asset

AMFI Registered Mutual Fund Distributor

09/01/2024

Excitement towards a single sector can lead you huge returns! 👇
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No matter how well a sector is doing, invest all your money in that particular sector may become hazardous to your funds!
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"Why diversify when this is doing so well?" attitude may not fit into the stock market volatility plans!
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Let’s say you are excited and invested a large portion of your savings into a single, high-performing technology mutual fund.
But what if something unexpected happens.

The tech industry hit a rough patch, and the fund's value reduced and your investment shrant significantly?
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Here are the 3 things you can do avoid such kind of mistake and reduce the risk of losing capital than before-
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📌 Diversify Across Asset Classes
Don't just stick to one type of investment. Mix it up with stocks, bonds, mutual funds, and even alternative investments.

📌 Spread Investments Across Sectors and Geographies
Include various sectors like healthcare, finance, consumer goods, and more. Also, consider global diversification to reduce the impact of regional downturns.

📌 Regular Portfolio Review and Rebalancing
If a particular investment grows significantly, it might start to dominate your portfolio, reintroducing concentration risk.

If you are doing the same mistake, make sure you balance your portfolio appropriately!
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If you find this content relatable, follow Amit Rathi for more

27/12/2023

Winter reminds me of that night when my client
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Who called me and asked “My mutual fund strategy is not working, can you please check now”

I asked them and immediately checked the portfolio

1 out of 5 mutual fund investments was in red

The other 4 investment 1-year returns were as follows-

2nd was giving 10% returns
3rd was at 12-5%
4th was at 19% and
And
5th was at 13%

The average returns of the portfolio were looking good!

It was beating the inflation of 1-year too!

However, the investor was in a panic and wanted me to make a decision!!

Immediately!

Do you know what I decided?

I decided to explain them!
And then
I decided to give up!

Jokes apart! Whenever you invest in a mutual fund or any investment product which is linked to the market, you need to ensure your patience level.

The same mutual fund (small-cap) which was in red, outperformed all the other mutual funds after 2 years!

This is what happens when you exit too early!

By the way, they are my loyal clients now! 😊

22/12/2023

We just crossed 5k subscribers

Today, I'm excited to share a moment of joy with all of you

Our YouTube channel Amit Rathi has crossed the 5,000 subscribers mark!

This isn't just a number; it's a testament to the incredible community we've built together.

🌟 A Journey of Learning and Sharing

When I started this channel, my goal was to create a space where we could share insights, and discuss the ever-evolving requirements of managing personal finance.

Each video posted was a step towards building a community of curious, driven, and passionate individuals.

And today, we are 5,000 strong!

💡 Looking Ahead

I'm excited about the road ahead – more content, more discussions, and more opportunities to connect and grow together.

A huge thank you to all 5,000 of you. Here's to growing our community even further!

The target for 2024 is to achieve 25k! Will you be with me on this?? Comment down 'yes' so that I know my strength!

YouTube link is in comment section! check that out!

14/12/2023

Knowing your body can save Rs 10k to 30K💰

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‌Here is how Yes!

Imagine a scenario where you might have taken a health insurance which suits your needs

But Your doctor suggests physiotherapy to recover from the damage.

Will that be expensive? Yes

Will that be covered under your existing health insurance? No

By doing regular check-ups you will know your body and potential for diseases based on which you can take additional health insurance.

In our current example of physiotherapy which can cost you around Rs 1000 to 3000 per session.

You can make it covered under your post-hospitalisation expense and helps you save costs of up to 10 sessions. Which makes Rs 10k to 30k

‌You can save tax up to Rs 5,000 by doing regular preventive checkups!

‌ If you are prone you muscle disease you must think about it while buying a health insurance plan.

Follow amit rathi for more such personal financial education!📈

13/12/2023

I told my friend not to invest in small-cap funds, now see what happened 👇
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There was a fund A and fund B

Fund A was a large-cap fund and 75% of its investment was allocated to large-cap companies.

On the other hand, Fund B was a small-cap fund and 75% of its investments were allocated to small-cap companies.

Fund A 10-year CAGR was 15%
Fund B 10 years CAGR was 19%

My friend blindly looked forward to investing in Fund B just because the CAGR was higher than Fund A.
Where was he lacking?

In the risk appetite!

Yes! I already analyzed his investment profile and his risk appetite was conservative.

During the downtrend of the market when the small cap wasn’t performing well, he panicked and sold all his investments at a loss of 5.6%.

If you think that only returns which has shown to you without any consequences are enough to invest in the fund blindly?

No!

The aspects like -
👍 Number of dependents
👍 Age factor
👍 EMI’s and debt burden
👍 Active income sources
👍 Job security

Small-cap funds are for those who are-
❗Long-term investors
❗High risk appetite

Do you think CAGR or benchmark hit is the only aspect to look at while investing?

If not, what is the aspect you look at while investing in mutual funds?

03/12/2023

Green portfolio with Green investing,

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The Indian Union Budget 2022-23 announced the issue of Sovereign Green Bonds,

📆 9 November, 2022
The Government of India launched the Sovereign Green Bond Framework. That discusses and specifies the project categories for green investment policies.

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📆 25 January, 2023
Government of India sold ₹4000 crore of 10-year and ₹4000 crore of 5-year notes. The 10-year bond got priced at a coupon of 7.29% and the 5-year bond at 7.10%.

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📆 09 Feb, 2023
A similar deal got ₹8000 crore more to India for investing in clean energy.

The use of proceeds has been committed for expenditures in grid-scale solar and wind, decentralized solar such as solar water pumps for agriculture, green hydrogen, metro lines, and afforestation.

Why Do I Care,😧

Recently on a visit to Rishikesh I was thrilled by this green tropical paradise.
I relish the greenery and with hope to experience it daily!!!

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Investing in Green Bonds with 'greenium' can help in,➡️

➞ Tax incentives may include tax credits and tax exemptions.
➞ Transparency regarding the use and management of income.
➞ Direct investment in initiatives to green the environment.

Are you excited to explore the Green Bonds with greenium?

28/11/2023

Honoured to be featured in Dainik Viswamitra 🙏

03/11/2023

Get rich by staying healthy!🏥

You may be thinking, How?🤔

Staying healthy can have a huge impact on your financial well-being. If you are physically and mentally fit, you can be in a better financial position.🏋️‍♀️

When you stay active, eat healthy and exercise regularly, you feel more focused and productive. Physical activities help you in decreasing the risk of any chronic health conditions. And the best part is that it can help you save huge medical expenses.⛑

Health insurance companies reward those who lead healthy lives. Here is how-

➡️ Companies pay attention to your lifestyle and profession when you apply for health insurance, which is important to determine your premiums and coverage.

➡️ Healthy people are less prone to any serious health illnesses, which ultimately means lower insurance premiums.

➡️ Being healthy means you're less likely to require expensive out-of-pocket medical procedures, surgeries, or hospital stays.

➡️ Many insurers provide reward points to policyholders who meet the stated criteria for wellness and preventive features.

Maintaining good health isn't just about feeling great; it's a smart financial move too. The money saved on premiums can be invested, giving you a chance to grow your wealth.📈

What do you think❓

27/02/2023

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24/02/2023

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