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AskEp-187 What Should Be The Maximum EMI Per Month?
Takeaway
Thematic-fund SIPs are not protected from bubble pain — even 5-year SIPs in Power/Pharma at peak gave negative returns; diversified funds or SSY are safer for long-term goals.
Summary
- Addresses whether SIPs are immune to bubble-burst risk in thematic funds — using Power and Pharma sector funds as examples.
- Power sector fund SIP of Rs 1000/month started near 2007 peak was still loss-making after 5 years: invested Rs 73K, value Rs 52K.
- UTI Healthcare fund SIP started at 2015 pharma peak was also negative even excluding the COVID March 2020 drop.
- Practical insight: even SIP investors can't realistically hold for 5 years in losses — most exit at a loss when checking apps frequently.
- On Sukanya Samriddhi vs MF SIP for daughter's goal: SSY is best if no equity tolerance; MF SIP gives better returns over 5-10 years if you can stomach volatility.
SIPthematic fundssector
Original description
Invest in high-return FDs and earn 9.1% returns 👉 https://stablemoney.onelink.me/rkWL/apqnkzjp Ask Money Purse Show EP - 187 Date - 15-09-2024 Welcome to the Ask Money Purse Show, your ultimate destination for all things personal finance! If you're looking to get insightful answers to your burning questions about personal finance, stock markets, insurance, mutual funds, taxation, and more, you're in the right place. Hosted by a finance enthusiast dedicated to helping you navigate the complex world of money management, the Ask Money Purse Show covers a wide range of topics to empower you with the knowledge you need to make informed financial decisions. Whether you're a beginner trying to understand the basics or an experienced investor looking for advanced strategies, our show has something for everyone. Each episode, we pick questions from our YouTube comments section and provide detailed, easy-to-understand answers. No question is too big or small – we believe every financial query deserves attention. From the intricacies of tax planning to the nuances of stock market investing, we aim to break down complex concepts into simple, actionable advice. Join our growing community of finance-savvy individuals by subscribing to the Money purse. Don't forget to drop your questions in the comments section with the tag #AskMoneyPurse. Your question might be featured in our next episode! Stay tuned for regular updates and deep dives into the financial topics that matter most to you. Let’s embark on this financial journey together and make your money work for you! Stay In Touch👇 Also connect with us on👇 📷Instagram: https://www.instagram.com/moneypurseadv/ 🕊Twitter: https://twitter.com/Moneypurseadv 📱Facebook: https://www.facebook.com/moneypurseadv/ Thanks for watching.. Team Money Purse 00:00 Don't do SIP in these Funds! 08:19 Is it safe to park my 10Lakhs in this way? 11:05 5 Bagger Stock in 2 years 16:41 Where to invest for Daughter? 17:37 Sunday Funday 17:57 60% invested in One Stock 20:34 Can I invest in Bank Nifty Index Fund? 21:17 Stock with multiple growth drivers 24:25 Senior Citizens Savings Scheme 25:43 What should be the Maximum EMI per month?