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Rajkumar PR

@RajkumarPR8

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Financial Freedom Mentor, Passionate on Mutual Funds and Investing! Interested in promoting Financial Literacy

Joined January 2022
Don't wanna be here? Send us removal request.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
Building a retirement corpus of 4.2 Crs in 20 years - OMG! Not possible Bro. How can you even think of achieving such huge corpus? Buying a house for 1.5 Cr @ 9% Home Loan Interest - Possible bro. We can pay through EMIs The former requires a monthly SIP of 32K, the later
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
5 months
If someone has 1Cr today, withdraws a mthly amt of 50K which gets increased every year by 6% (to manage inflation),corpus will last for 22.5 yrs (Assuming 9% growth) Tier 2/Tier 3 city - 50K/month is good enough money for mthly needs. SWP is underrated! Tax efficient too!
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@RajkumarPR8
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@RajkumarPR8
3 months
SWP is underrated! Systematic Withdrawal Plan can help for mthly cashflows during your retirement with a better growth & efficient taxation. 2Cr corpus growing @ 10% SWP rate with a mthly withdrawal of 1L pm can last longer. After 49 yrs of withdrawal, u will still have 54Cr!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
27 days
5L invested in a plot in 1996 is worth 70L today. Wow! 14X Growth. Sounds amazing! Hold on. Did you do the CAGR calculation? It is 9.88%
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
Midcap Schemes with age > 13 years chosen (Reason - I wanted to choose schemes that completed 10 years around the COVID Fall) What can be the worst 10 year return if you stayed invested in a Midcap scheme for 10 years? Rolling Returns considered to analyse more data sample of 10
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@RajkumarPR8
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@RajkumarPR8
10 months
Mkt (Sensex) is just 3% away from its All Time High! Should I invest now? Isn't it costly? Look at the discount available across the top companies (Mkt Cap) from their All time High Prices Stocks with discounts more than 10% are highlighted!
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@RajkumarPR8
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1 year
Smallcap Funds with allocation to Large/Mid/Smallcap stocks and Cash allocation. Smallcap250 Index is limited to 250 stocks ONLY beyond the top 250 stocks by market capitalisation. For Smallcap MF, the universe is extended to ALL the companies beyond the top 250 by market
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
8 months
Retirement Planning Assuming a 30 yrs old having mthly exp of 30K, retirement corpus required at 60 will be ~ 5.28Cr considering Inflation @ 6%. The mthly requirement needed at 15% CAGR when you start the investment at 30,35,40,45,50 yrs is given. Cost of Delay is huge!
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11 months
A fund making a difference! It is outside the mid & small category but has competed with mid & small cap funds and emerged as the top 3 in 1 year return. Impressive work by the fund manager. Not an easy feat! Disclosure - Data shared for info purpose only!
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@RajkumarPR8
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@RajkumarPR8
10 months
Equity MF Category Trailing Returns. A deep look into the numbers can give you so many interesting insights 🙂 1) You can find opportunities 2) You can choose the category to avoid 3) You can choose the category to stay
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@RajkumarPR8
1 year
How a disciplined SIP Investing can get the bears tired? 😃
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@RajkumarPR8
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@RajkumarPR8
2 months
1 Crore is a key milestone for any investor's portfolio. Beyond this, the subsequent crores can come quickly. Curious why? Let's dive into the math...
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
10 months
20 Yrs EMI - Possible 30 Yrs PF Contribution - Possible 10-15 Yrs SIP - Can't commit Remember, Choices have consequences
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
10 months
Aim to build a corpus that can give you 1 Day gain equal to your one month take home salary! Ex : If your net salary is 1L, having a corpus of 1Cr will get you a 1 day gain of 1L when mkt moves up by 1% That should be the 1st goal towards Fin Freedom.
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4 months
Some sectors are present only in Mid & Smallcap space Zero exposure to such sectors in Largecap category
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@RajkumarPR8
1 year
Yes, Small cap funds can have long snooze periods. Have taken some the funds highlighted and dissected to understand how bad the snooze period would have been for investors. One time investment of 10L Considered for the last 10 years. Yellow highlighted period is the snooze
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@RajkumarPR8
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@RajkumarPR8
8 months
If you're looking to invest in equities for the long term, it's important to consider which category has generated the highest returns. A comparison of Large/Mid/Smallcap Funds from every AMC that have at least two of these categories for a 10-year period can provide some
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@RajkumarPR8
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@RajkumarPR8
1 month
A decent life cover with a TERM INSURANCE A good health cover for your family with HEALTH INSURANCE A long term SIP - All these are good friends for your journey towards Financial Freedom Happy Friend"SIP" day!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
When markets move up by 1% on a day, your investment of 10L will make a gain of 10k on that day. The same 1% on an investment of 1Cr will give you 1L on that day... It takes a long time to reach the first big milestone. From there compounding is lethal! The attached image
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@RajkumarPR8
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@RajkumarPR8
7 months
Multibaggers in MF! Listed are schemes that have grown > 100X. 2 Midcap Schemes top the table with 327X and 218X growth over almost 30 years translating to 20% CAGR for 3 decades! Impressive Performance! Achieved with simplicity. Unfortunately, people complicate investments.
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@RajkumarPR8
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@RajkumarPR8
8 months
Titan & Thangamayil Jewellery listed in market are in the business of selling Gold. 10L invested in these companies 10 yrs back is now worth ~1.48crs (30% CAGR) 10L invested in Gold 10 yrs back is worth 19.67L (7% CAGR) Invest in Gold or Gold merchants? 🙂 Happy L"EARNING"
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@RajkumarPR8
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@RajkumarPR8
8 months
Discipline is boring But..... DISCIPLINE leads to HABITS HABITS leads to CONSISTENCY CONSISTENCY leads to GROWTH Power of Compounding takes a good amount of time for you to realize its true power!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
2 months
Gold Price/gm in Chennai: 17-Jul: 6920 24-Jul: 6490 6% dip in a week. I didn't see any bloodbath headlines on economic magazines/news papers. If markets fell by 6% in a week, u would hv seen "Bloodbath in Dalal street. XYZ crores of wealth lost by investors" Selective Amnesia?
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Rajkumar PR
@RajkumarPR8
20 days
Courtesy - @ValueResearch
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4 months
In MF investing, * U may not see the real benefit during the initial yrs * If the mthly SIP amt is small, u wont see the benefit Do SIP for 5-7 years like ur mthly contribution to EPF. Wait for 5-7 yrs to see the magic! If u give up, u wont see the magic! Patience is the key!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
One page blog on the need for retirement planning, FIRE (Financial Independence, Retire Early) #RetirementPlanning #FinancialFreedom #FinancialPlanning
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@RajkumarPR8
2 months
Many focus on wealth building. Portfolio construction in distribution phase is equally imp 5Cr corpus for retirement with 1.25L pm as withdrawal thru SWP, with an annual increase of 6% to counter inflation will last 52yrs if portfolio earns 8% 95yrs if portfolio earns 9%
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@RajkumarPR8
9 months
Sensex is at ATH level - 70K. Should I stop my investments? You will get the answer if you answer these questions 1) Sensex had its peak at Levels 40K, 50K, and 60. Should you have stopped investing then, you would not have gone on the 70K adventure. Have you stopped yet? If
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@RajkumarPR8
7 months
Worst case scenario for SWP considered. SWP started at the peak of the markets with 1Cr corpus before the worst crash in 2008. Withdrawal @ the rate of 6% per annum 50K per month - 6L per annum. Withdrawal so far : 96L (Almost 100%) Balance left today : 5.29 Cr (5X of Invmt)
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10 months
Monthly SIP Required for target corpus
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6 months
At least 5 clients called since morning on seeing the mkt crash! And I felt so happy! Know why? They aren't worried abt the crash! They checked if they can invest now to take advantage of the discount 🙂 Glad that Fin Literacy has transformed the investors!
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9 months
The wealth prescription
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7 months
Mr A : Stock markets are risky. I want to invest in LIC only Me : Where does LIC invest to give you returns? 😄😄 Mr A : IDK Fin Literacy is the need of the hour.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
30 yr old with 50K monthly expenses. Inflation @ 7%. Life Expectancy - 85 years Scenario -1 : Retirement @ 60 Scenario -2 : Retirement @ 45 Retirement @ 45 will require much lower retirement corpus than Retirement @ 60 . Retirement @ 60 will need 9.14 Crs Retirement @ 45 will
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@RajkumarPR8
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@RajkumarPR8
9 months
Savings matter more than returns! Look at the Return % Vs Investment % Beyond a period, gains take a sizeable portion of your portfolio. End of 20 yrs, Investment cost is 92L, Gains is 68L. Overall portfolio - 26% is from Investment, 74% is from Gains!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
Withdraw money from Bank account - No emotion Withdraw money from FD, RD, PF, PPF - No emotion Withdraw money from Equities, MF - No emotion Withdraw money by selling Gold, Real Estate - "Yes", I have emotion 😀😀 Individuals who cannot master their emotions are ill suited to
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
5 months
Out of all the financial insights provided, I loved this piece of advice @iRadhikaGupta of @EdelweissMF Simply put, you compressed the Japanese Philosophy "IKIGAI" in less than 40 seconds! Thank you
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
We spoke about the worst 10 yr returns of Midcap funds yesterday. That was lumpsum. Let us see how the worst 10 Yr SIP looked like and how much time did it take to recover, how did the numbers look on recovery? COVID (2020) & GFC (2008) were the worst crashes. Let us look at
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@RajkumarPR8
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10 months
Some followers ask me about the analysis I do on mutual funds, markets etc. I am enclosing the data and the source of the data for reference. These tools had been of great help to me @ValueResearch @dhirendra_vr @Advisorkhoj @in_morningstar @Trendlyne
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8 months
Power of compounding
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1 year
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8 months
Many investors missed out on investment opportunities during the COVID fall, but did you know that there's an even better opportunity in the market today? The Bank Nifty PE during COVID fall was 19.89, while the current PE stands at 16.31
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20 days
SIP top up for tgt corpus with various growth rates listed below for reference.
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@RajkumarPR8
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5 months
Started blogging an year back and post in X lately! Today marks 1 year completion of my weekly blogs! 47 blogs done in the last 1 year. Missed on 3-4 occasions. This journey has been very close to my heart in educating people on Personal Finance.
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2 months
Retirement Corpus is the non negotiable Financial goal for everyone & it is the most difficult goal for many. Why? 1) Huge Corpus required 2) Delayed Start due to lethargy/Fin Illiteracy Wonderful content by @dhirendra_vr @ValueResearch
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3 months
Mkt at All Time High or nearing all time high! Should I invest now? A common question from many investors My view shared with @navdhakhera in a podcast
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@RajkumarPR8
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@RajkumarPR8
6 months
Courtesy @Advisorkhoj Largecaps are safe! Mid & Smallcaps are very risky?? The table below shows the 5 biggest drawdowns in the market in the last 10 years or so and the impact on various market capitalization segments. Largecaps too fall!
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@RajkumarPR8
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1 year
Smallcap Fund Calendar Year Returns compared against the benchmark. Note - HDFC, ICICI, Quant - Considered only after 2018 as they belonged to other category prior to that.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
2 months
When it comes to Smallcap Investing in MF, there is a lot of chaos but if u can understand data, u can easily clear out all fear. Have taken old smallcap schemes so that the analysis can be done with so many observations. Despite long snooze periods, if one stays invested for
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@RajkumarPR8
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@RajkumarPR8
1 year
Accumulate 100X of your monthly take home salary and have that invested in markets. 1% gain on a single day will earn your one month salary in a day! That's the power of passive income. You can debate what if it falls 2% in a day. In the long term - markets never disappoint!
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@RajkumarPR8
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6 months
Do you want to know the best date for SIP? The most common question from many investors. Read the content from @WhiteOakCap @Manuj_Jain1 @ChiragP2210 The best day is when an investor usually receives money!
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@RajkumarPR8
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9 months
How is patience rewarded over long term? A mthly SIP of 1000 since 1995. First few years - you may not see the power of compounding. See the Appreciation column growing exponentially over yrs. Disc - Fund not a recommendation. Chk with your advisor Courtesy - @Advisorkhoj
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@RajkumarPR8
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6 months
Smallcap Schemes Quartile Ranking yr wise. Orange Highlighted Schemes - 80% of times in top 2 quartiles only Yellow Highlighted Schemes - Never in Quartile 4 5 yr old schemes alone considered. 2018 Categorization considered. ICICI/HDFC/quant were in diff category before 2018
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@RajkumarPR8
8 months
Has become very fashionable to blame active funds. It may be case to case but when you talk something like 85% of active funds dont beat benchmark in 15 yr period, please prove that with data! And , yes. World is difficult for the blind!
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@pavanbd
Pavone
@pavanbd
8 months
@RajkumarPR8 And yet more than 85% MF fail to beat Index returns after 15 years. Better go with index funds!
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2 months
The Formula for Fin Freedom: * Invest 30% of ur income in equity MFs * Invest for 180 months without any break * Increment by 10% every year * Continue investments irrespective of mkt conditions! * Do not redeem anything before 180 months You will see the magic!
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@RajkumarPR8
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10 months
Most of the Smallcap funds have almost recovered from the recent fall. Why no news on this?
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Rajkumar PR
@RajkumarPR8
10 months
Smallcap Index fell by almost 6% last month. There was lot of noise. Majority of this fall is almost recovered. Why no noise? Negative news takes elevator; Positive news takes staircase?
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25 days
Spoke to an investor who was worried abt 12.5% LTCG on Eq MF. He feels 8% tax free is better. Victim of Mental Accounting & was misold a product! 10L lumpsum for 15yr @ 12% fetches 55L. Post tax = 49L. He was worried on tax of 5.43L. Forgets to see the return potential.
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5 months
Set these milestones for Fin Freedom * Corpus of 5L,10L,25L,50L,1Cr.... * 1 day gain on ur portfolio = one month salary * Portfolio gain of 5L,10L,25L,50L,1Cr.. Process is simple. Start early, Discipline thru the investment tenure Goal is Freedom! MISSON I M Possible!
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Rajkumar PR
@RajkumarPR8
8 months
Why MF? Why not identify and invest in stocks for the long term? Success in Personal Finance comes by 80% Behaviour and 20% Knowledge Behaviour of an investor is better managed in MF than stocks. Let's look why...
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Rajkumar PR
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4 months
15K pm growing @ 15% CAGR for 15 yrs gives 1cr! But, what is the current value of 1Cr after 15 yrs from now? At 7% inflation, it is just 36L If u need today's 1Cr worth of money after 15 yrs, u should aim for building 2.75Cr Remember, Money loses purchasing period over time!
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2 months
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2 months
Journey to Financial Freedom Rohit Sharma Told - It is not what we did today. It is what we did over the last few years Fin Freedom is not possible overnight unless you win a lottery. It is what you do over several years through risk mitigation, disciplined investments and more
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1 year
@RWKANADE Let's see who is obsessed with an asset class. My post was on building retirement corpus which is a non negotiable financial goal. Please read it again. Tell me which asset class will help me to reach this goal. Utility value?
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11 months
Comparison of Top 5 Smallcap PMS Schemes Vs Top 5 Smallcap MF
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1 month
Anything less than 10% fall from the mkt high is just Volatility. Not a discount. 10% fall - Decent discount Beyond 20% - You know what to do if you are a long term investor. Stay calm and enjoy the ride! Remember, ur behaviour during tough times decides the outcome.
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8 months
Explain Selective Amnesia with example: When Adani stocks crashed, Quant MF was criticized for its exposure. Now, HDFC Bank crashes, Quant MF has zero exposure. And some social media Fund Managers criticized exposure to Mama Earth by some AMC? Did any of you hear from these
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1 month
Top 25 Funds available on discount after the recent fall. Note - International Funds not considered as I am not interested in that category considering higher tax. Otherwise International Funds have lost even higher than this.
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11 months
90% of investors start investing in their late 30s, even though they began earning at 21/22. 20 years of compounding is lost due to the lack of financial literacy. Time is the ultimate recipe for wealth creation.
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@RajkumarPR8
6 months
If someone celebrates the fall of Smallcap category over the last few wks, high probability that he/she did not participate in the up move in the last one year! Some form of relief through such tweets! God bless! 😀😀 Equity investment is for long term! Think long term!
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8 months
19 Banking Sector Funds are available in total. 18 funds have exposure to HDFC Bank. Quant BFSI doesnt have exposure to HDFC Bank.
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3 months
Investing in a property for rental returns? Do the math before you dump your money. Any investment that generates less than 8% doesn't really grow your money. Courtesy @etwealth
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7 months
Let us talk negative as it trends well in SM 😊 What if I stay disciplined for 10 yrs & market crashes when I complete 10 yrs? Table on left shows 10 yr SIP completing at the time of COVID. Table on right shows how things changed in 6 months? Numbers will speak! 😀😀
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4 months
Got this as a gift from my premium client who is 8 yrs old 🙂 She invested in MF a year back. She gave this creative gift symbolising MF. She explained $ as the money invested and the plant as the growth. She made my day with this lovely gift😍😍
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1 year
#MulticapFunds SEBI has defined Multicap Funds in 2020, requiring a minimum investment of 25% in large, mid and small cap stocks. This provides investors with a true multicap experience. With almost 40 AMCs in existence, only 22 AMCs have Multicap Funds. YTD - 6 AMCs have
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6 months
Small drops make an ocean! Do not hesitate to start. Start with whatever you have and increase whenever possible. The biggest risk is not the market, but missing out on compounding over time.
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7 months
When can i reach my retirement corpus? Considered 3 scenarios with diff salary. Exp capped at 70% & the rest is invested. Ret Corpus for each category is given. If someone plans at 25, retirement @ 45 is possible. Duration to reach 1,2,3,4,5Cr is given along with the age.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
5 months
Very powerful content!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
Midcap Funds overlap among peer group @quantmutual has the lowest overlap with many of its peers across AMCs. Beauty is the overlap is least with many of the AMCs.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
2 months
100 going down to 90 is 10% loss 90 going back to 100 again is not a 10% gain. It is more than that. It requires more than the fall percentage to meet the breakdown levels. You have to work hard to recover from the losses.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
11 months
Thanking @ValueResearch @dhirendra_vr @ngenmarkets @Advisorkhoj @masterstroke_ms @brijeshdalmia for being such valuable tools adding meaning to our lives on the occasion of Ayudha Pooja 🙂🙂
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
2 months
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
8 months
If you stay invested in Equity for long term, look at the category that has generated highest returns.. Every AMC's Large/Mid/Smallcap Funds are compared that have at least 2 of these categories for 10 year period
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
2 months
Recipe for Fin Freedom: * Disciplined SIP for 180-240 months in Equity MF * Increment by 10% every year * Do not fall into debt trap * Stay focused with ur investment journey inspite of mkt volatility
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
8 months
SIP creates Wealth DIP can create better Wealth if you make use of mkt DIP by addl investments.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
6 months
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
3 months
Nothing is risky if u know to handle risks Equity s Risky! Mid & Smallcap s Risky! Sectoral/Thematic Funds r Risky! Yes, everything s risky if u don't know how to handle it Flying an aircraft may be risky to u but not for a pilot! The biggest risk is not taking any risk!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
6 months
Categorywise avg returns for various trailing periods. Returns as of yesterday. Please note this data is shared for information purposes only and do consult your advisor for any investment needs.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
7 months
Just wrapped up a busy 3 day business trip to Mumbai where i met the CIOs and Fund managers of top AMCs. Sandeep Tandon of Quant MF Harsh Upadhyaya, Harish Binani, Shibani Sircar, Atul Bhole of Kotak MF Deepak Ramaraju of Shriram MF Great insights!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
16 days
Being Rich is having money Being Wealthy is having time Freedom of Time is intertwined with Fin Freedom The confidence gained from a 5cr liquid portfolio surpasses that of a 10 cr illiquid portfolio. Thank you @navdhakhera for the opportunity!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
6 months
Wonderful article as usual by @WhiteOakCap @AashishPS @rameshmantri80 @Manuj_Jain1 @ChiragP2210 Longer the tenure, better the return outcome!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
7 months
36 Blogs written so far to my clients. I started publishing lately on X & LinkedIn. The intention is to create Fin Literacy. I write every Tuesday. Missed it only once in Dec due to cyclones which disrupted Power/Internet supply. Will probably stop once it hits 50!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
6 months
The recent fall in the market led to some good amount of discount in some of the MF schemes. Here is the list of discount available in the SMALLCAP segment from their 52 Wk high NAV Disc - Pl consult your advisor for investments.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 month
Should u only chase returns(%) to build a big corpus? Remember-Building a bigger corpus can also get u a bigger corpus. How? 10% on 10L=1L 10% on 1Cr=10L 10% on 10Cr= 1Cr Returns-Not in your control Building a bigger corpus-In ur control Focus on the controllables!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
19 days
This is an excellent insight from @FundsIndia Time in the mkt is more imp than timing. Even if you invested in the peak of the markets before some of the major crashes, you will still have a good CAGR if you stay long term!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
8 months
Sensex at 73K is high for the last 5/10/15/20 years. It is at low if you are investing for your goals that are 10/15/20 years. Keep going irrespective of mkt levels.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
8 months
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
6 months
Midcap MF perf across 11 calendar years! Amazing perf by @EdelweissMF @iRadhikaGupta @avasthiniranjan Top 2 Quartile performance for 9/11 years Funds with 5 yr history considered. Quant MF - Considered only from 2018 Disc - Not a recommendation. Pl check with ur advisor.
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 year
Smallcap Funds calendar year wise returns. Color coded to show the quartile in which they fall every calendar year. Quartile Ranking considered only from 2008 as it had a good number of funds for quartile ranking. Note - Data compiled for information purpose only. Please
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
1 month
At 5.58 AM, it takes 39 mins to travel 22KM At 8AM, it will be 80 mins to cover the same 22KM Power of starting early! U can plan ONLY for ur retirement if u start at ur 40s BUT U can plan for FINANCIAL FREEDOM at 40s if u start at ur 20s The goal should be FINANCIAL FREEDOM!
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@RajkumarPR8
Rajkumar PR
@RajkumarPR8
11 months
Category selection is more important in wealth creation journey. Top 1 or Top 2 categories for 10 yr period are highlighted in Yellow grouped by AMC.
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