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Ask EP-87: Which Is Best, Fixed vs Floating Interest Rate?

Original: Ask EP-87 Which Is Best, Fixed VS Floating Interest Rate?

107.2K views ยท Sep 04, 2022 ยท 15:54 min ยท Watch on YouTube โ†—
Takeaway

Floating-rate loans usually work when rates are falling or volatile, fixed when rates are rising โ€” and avoid theme funds unless you genuinely want the theme exposure.

Summary

  • Q&A episode covering reader questions on stocks and loan interest rates
  • On map service providers: notes most consumers use free Google Maps but enterprises and premium auto OEMs pay for premium map services; sees the listed Indian map provider as a slow but eventual leader
  • On auto sector: cautions that auto is cyclical and currently in a downward trend, though individual companies remain fundamentally strong
  • On fixed vs floating rates: if rates are expected to fall or are volatile, floating is better; if there's a large gap or rates expected to rise, fixed is better
  • On ESG-themed mutual funds: only invest in ESG funds if specifically interested in ESG-related companies, otherwise a normal multi-cap is fine
loansinterest ratesQ&A
Original description 
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Music in video Used from Epidemicsound: https://share.epidemicsound.com/octxox

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Team Money Purse

What is in for you?
00:00 Introduction
00:38 The Opportunity
06:11 Stock which will be benefited with the growth in Auto Sector
09:12 View on Nocil for Long Term?
10:06 Sunday Funday
11:07 Best option between Fixed & Floating Interest rate?
12:26 View on ESG Funds
13:20 The Portfolio
14:50 The Diagnostic Business