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Ask EP 97 - Is My Investment Strategy Correct

Original: Ask EP-97 Is My Investment Strategy Correct?

86.1K views ยท Nov 20, 2022 ยท 16:38 min ยท Watch on YouTube โ†—
Takeaway

Disciplined 40% savings rate plus cyclical-stock profit booking and a mix of SIP and prepayment is a solid mid-career plan.

Summary

  • Praises a 40-year-old viewer investing 40% of salary monthly across PPF, VPF, SGB, debt funds for retirement and child's higher education/marriage
  • On HDFC Bank correction vs Bank Nifty strength: suggests SIP route is better than lump sum given near-term uncertainty
  • IRCTC bought at Rs 225, peaked Rs 1200, now Rs 750 - in commodity/cyclical stocks profit booking is mandatory, unlike compounders where you hold
  • Home loan question (Rs 13k EMI, Rs 10k extra at 9%): recommends splitting between SIP and partial prepayment rather than only increasing EMI
portfolio reviewasset allocationprepayment
Original description 
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๐…๐ฒ๐ž๐ซ๐ฌ (๐‹๐ข๐Ÿ๐ž ๐“๐ข๐ฆ๐ž ๐…๐ซ๐ž๐ž) ๐Ÿ‘‰ https://bit.ly/3JZwgyc
๐”๐ฉ๐ฌ๐ญ๐จ๐ฑ(Free) ๐Ÿ‘‰ https://tinyurl.com/y8sbw9w8
๐™๐ž๐ซ๐จ๐๐ก๐š: ๐Ÿ‘‰ https://zerodha.com/open-account?c=ZMPVNW 
๐’๐ฆ๐š๐ฅ๐ฅ ๐œ๐š๐ฌ๐ž ๐Ÿ‘‰ https://tinyurl.com/4ba54kuj
๐ญ๐ข๐ฃ๐จ๐ซ๐ข ๐Ÿ๐Ÿ“% ๐๐ข๐ฌ๐œ๐จ๐ฎ๐ง๐ญ ๐‹๐ข๐ง๐ค ๐Ÿ‘‰ https://tinyurl.com/vk645vp3                      
๐Ž๐ง๐ฅ๐ข๐ง๐ž เฐฒเฑ‹ ๐„๐š๐ฌ๐ฒ เฐ—เฐพ ๐ƒ๐ž๐ฆ๐š๐ญ ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ ๐จ๐ฉ๐ž๐ง เฐšเฑ‡เฐฏเฐกเฐ‚ เฐŽเฐฒเฐพ ๐Ÿ‘‰ https://youtu.be/9Pz_ADhR5Q8

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Thanks for watching..
Team Money Purse

00:00 Introduction
00:13 Is it right time to invest in Divis Lab?
03:16 Is my Investment strategy correct?
05:36 Banks trading in attractive valuation
08:35 Sunday funday
09:34 Exit from IRCTC?
13:34 Home loan payment vs Investment