Stocks Vs Mutual Funds In Tamil | Part-3

Stocks Vs Mutual Funds In Tamil 

Stocks Vs Mutual Funds In Tamil

Stocks vs mutual funds in tamil . In this blog post we going to see about stocks vs mutual funds in tamil and some tips to became a good invester . So support my blogs and comment your opinion about my blog  . So let's start our blog post Now .

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Stocks Vs Mutual Funds In Tamil :

The market is down by 30% But everyone is at home right now Because staying home right now is very important So at this time it is very important for you to learn new things You should learn, how you can become a good investor at this time But at this time there will be many questions in a lot of people's minds That is why I have brought this blog post for you today In which we are going to talk about which asset is good for you to invest in Which means that should you invest in stocks? Or should you invest in mutual funds A lot of people

Stocks Vs Mutual Funds In Tamil 

who have cash reserves They might think that this is a good time to invest But this question comes in everyone's minds Mutual funds or stocks? 

So today we are going to talk on this topic Which assets are good to invest in at this time . coming onto the topic I will talk a little about mutual funds and stocks What are stocks? If you like the business of any company You think that you should buy a share in that You should have some ownership in that Then you buy that share But here it is very important for you to know What is the business of a company In the same way if I talk about mutual funds Then what are mutual funds Mutual funds are a kind of Asset Management company where you put in your money Where all your money is pooled in one place And after that one fund manager invests your money in one asset or another .

 

Mutual Funds :

What is the difference in mutual fund and stocks . So if I talk about stocks, the company that you have to buy there You have to buy it yourself Which means that it is your decision and your judgement After that you buy a share of a company But when the topic of mutual funds comes up Then you see what a mutual fund is, what its objective and goal is Now I will take an example, a mutual fund can be a large cap fund You know that a mutual fund is a large cap mutual fund They invest in large cap companies(Stocks Vs Mutual Funds In Tamil )Now large cap companies likeStocks Vs Mutual Funds In Tamil  Reliance, Infosys, any company like this Now you know that there is a large cap mutual fund Here, you give your money to that fund manager After that he invests in anywhere But yes, there are some restrictions on that How much does a large cap investor, have to ivnest in large cap But there you don't have to choose one company at a time Your fund manager invests your money there Which they think will give you good returns There you can put your money You stop and wait for sometime to see the kind of returns it gives After that if the fund manager gives you good returns, then it means that you chose a good fund But after that, that tension is over for you .

Stocks :

Now I will talk about how you can invest in that stock To invest in stocks, if you have chosen that you want to put money in stocks You have to open your account at a broker After that, if I talk about some charges The broker take some money to maintain your account After that if you make a transaction You get charged for those transactions But the biggest, your risk is associated With that particular company The company that you chose, to buy its ownership and its shares Which you think is being traded at a discount right now In the same way if I talk about mutual fund related costing (Stocks Vs Mutual Funds In Tamil )There as well you have to create an account somewhere or the other that you get a long list of mutual funds And out of that you can choose a mutual fund Here if I talk about costing The cost that you get That becomes your expense ratio, that the place the mutual fund is investing your money The charges for research Their operational charges.

They get cut out in the form of expense ratio But in the stock market you have to pay a transactional fee Now after this, I will now come to the main question Which asset is good for you as an investor Should you invest in stocks Or should you invest in mutual funds So to answer this question I will come back to you Now consider that I have two types of investors An investor A and an investor B First I will talk about investor A Investor A does not know a lot about the stock market He thinks that if he invests in the stock market HIs chances to lose money becomes very high Apart from this, he does not want to research about companies . 

He doesn't understand how companies conducts its business But he has an urge to invest in the stock market He thinks that the market has come down a lot so it is a good time to invest So for investor A, I would say that mutual funds are very good Because the person who doesn't want to invest a lot Now he cannot actively research about which company is good So he should put money in mutual funds But for him the important steps that he should pay attention to are (Stocks Vs Mutual Funds In Tamil )He has to see how much risk he wants to take If I talk about risk If he wants to take very minimal risk, debt mutual funds If he wants to take slightly higher risk, large cap mutual funds But if I talk about large cap mutual funds, equity category He has to invest for the longer horizon Yes, it is possible that if the market recovers in the coming time Then it can be a very good opportunity for him to invest But to predict the time when the market will reach bottom, that is impossible So for them, it is better to start an SIP Because if they start an SIP .

So every month he will put in some money, when the market goes down, he will get more quantity When the market goes up, he will get a lower quantity But now I will talk about investor B Who has a lot of interest in the share market Who reads news related to the share market daily Who knows a lot about companies He has researched a lot in one sector So for that investor who has a lot of expertise Who has experience Who has a lot of interest And he is ready to take risk For them, the share market becomes a very good option They should do a little research They should choose a good company Choose a good business And after that choose a good management which they think will make a small company a big company Or it will show good growth in the coming days Then they should go and (Stocks Vs Mutual Funds In Tamil ) invest in that company If the market is down There are uncertainties at the macro level Then it is possible that they will get good companies at a discount But which are the good companies Investor B has to understand that Which company's business does it understand And there are uncertainties at the macrolevel All the companies will be down But the company's business that it understands The risk he understands And the company he feels will have good growth He should invest in that company.

 So if I answer this question again Stocks or mutual funds, both assets are very good And sometimes, stocks assets invests in mutual funds But here, if you are investor A Who doesn't want to take risk You don't want to do active research Then mutual funds are best for you And it can be a good time to invest, I will tell you again But if you are investor B Who thinks that he should research Who has a lot of interest and wants to learn a lot Then he should invest in stocks So look at your risk here Do your research and then decide where you want to invest I will tell you again Look at your risk and then choose your asset But more important than that is for you to do your research And set your goal after that But whenever you invest, do it for a long term It is possible that this investment opportunity might not come again in your lifetime When the market is at this kind of bottom But how long this bottom lasts The idea for that can't be given to you by me or anyone else But whenever you find a good opportunity Then you should invest At that time Invest in small amounts, don't stop your SIP .

Do not panic! And don't put in all your money during volatility I will give you this suggestion and leave it to you If you think that you want to research and actively invest, then stock market But I will tell you here, do not speculate But in the short term duration it is possible that the market will be extremely volatile like what is happening right now One day, it can be up 4% and another it can be down by 4-5% So here (Stocks Vs Mutual Funds In Tamil )if you want to invest, or if  have invested Choose a good business for the longer horizon And after investing look at the company quarterly results If the company is on track Then you will get good returns In the same case, if you are investor A it is a good opportunity for you The NAVs of mutual funds are low It is possible that you will get a lot of benefits by investing But for how long it will stay down And when it can go back up, no one can give the idea for that We can only hope that the economic activity can come back on track again All countries will come back on track and Coronavirus will end After that the share market will go back up again And good days will be back for investors But when it will come, we have to wait for that But your investment has to made by looking at the business By looking at your risk By looking at your goal After that you can invest .

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