Some Investment advice from P V Subramanyam

POSTED BY manish ON November 19, 2009 COMMENTS (22)

“You dont save for Retirement these days , You invest for Retirement these days” . Great Words , P V Subramanyam is an excellent Financial Planner . I read his posts and enjoy it at lot . Here is a video from him , which explains some of the basic and important advice from him .

Please share your views on his advice and let me know if you like these kind of Videos or not … Shall I put more ofย  these of not ?

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22 replies on this article “Some Investment advice from P V Subramanyam”

  1. anji says:

    hi manish

    not able to view the video can u please look into it
    site is very very informative and useful .

    thnks

    1. Anji

      Search on youtube , you will get the video by PV Subramanyam

  2. Manish says:

    Hi

    Love the last line ……… Retirment is not about saving its about investing………

    Will like to know one thing for long term lets say 15 years ULIP is better or Mutual fund is better ?

    1. Manish

      It cant be general , if you can use switch feature , then i would recommend ULIP , else Mutual funds

      Manish

  3. Amol says:

    Hi manish,

    What are low cost index funds ? And how much return they can provide on an avg.

    Thanks!
    Amol

    1. Amol

      There are different type of index funds in market , index funds are funds which track some index for example Nifty , by investing money in same proportion as Index structure . The cost here means the annual Fund management charges , so lower it is , better !!

      Return wise you can expect almost same as Index .

      Manish

  4. Karthik says:

    Hi Manish,

    I am new to your blog but i am impressed with the larg content of ideas on stock market. The simple lucid english makes everyone understand what is stock market, how it is traded – i really don’t know about stock market – thanks to your blogs – they are great! Anyone can understand easily – thanks to your simple english and simple way of making us understand about stock market, how it works etc, etc.,

    The video looks great! Please keep adding these kind of videos to your blog ๐Ÿ™‚

    From now onwards i am also one of your Fan!

    Thanks!

    1. manish says:

      Karthik

      Thanks for the comment , make sure you read my ebook , get it by subscribing to the blog .

      Manish

  5. deivakumar says:

    Manish,
    Good informative video from Mr. Balasubramaniyan. Look forward for more ……
    Thanks

    1. deivakumar says:

      Manish,
      Please correct the name as P V Subramanyam. Error is regretted.
      Thanks

      1. manish says:

        Thats fine ๐Ÿ™‚ , not a big deal

  6. Jagbir says:

    Hello Manish,

    Such carefully selected videos will be very nice addition to your blog. I’m a regular visitor here and this is like a very intuitive medium to spread the words sometimes.

    one query here, can you pls suggest ideally where should a 30 years old person invest his 10% salary every month to build corpus for retirement?

    Regards,
    Jagbir

    1. manish says:

      thanks ๐Ÿ™‚

      The question you have asked is very easy to answer .

      You can invest in two things

      1. If you are a risk taker : Invest in Diversified Mutual funds through SIP , and when you are 5 yrs away from your Retirement , switch your money slowly everymonth through SWP (monthly transfer , nothing big)
      2. If you are a moderate risk taker : Try PPF + SIP in Equity funds
      3. If you are low risk taker or No risk taker : You do manual investment permonth in low cost Index funds .

      In any case Debt products are no no for any long term Goals like Retirement ๐Ÿ˜‰

      Manish

      1. Jagbir says:

        Thanks for a quick response Manish. I’m a risk taker guy and dont mind putting all bucks in a good diversified mutual fund. It’d be very helpful if you can name a few good funds here for this purpose.

        Regards,
        Jagbir

        1. manish says:

          You should look at my post on the list of Equity funds for 2009 . They are good funds ..

          Some are

          HDFC top 200
          Kotak 30
          SunBirla Front Line Equity
          DSP Black Rock top 100

          Manish

  7. Dr Mohammed Ali Khan says:

    Dear Manish
    Please DO put such videos on your (EXCELLENT) blog
    Its very useful for us
    I’m also a great fan of Subra Sir

    1. manish says:

      Sure … Let me know anything you also come across on net . share my work ๐Ÿ™‚

      Manish

  8. balasubramaniaguhan says:

    A slightly different view on retirement

    1. manish says:

      Thanks ๐Ÿ™‚

  9. Mohan says:

    I agree very much with his views on the financial advisor and the financial product seller. Advisors should never sell products AT ALL!
    .-= Mohan´s last blog ..How to block ads on Websites? =-.

    1. manish says:

      @Mohan

      I agree . But I think it can happen that Financial Planner can have association with someone who sells all kind of products and then take some part of commision from him on any products sold , that way he will not be biased with any product also .

      Financial Planners need a model for compensating themselves and This is one of the widely accepted and practised model .

      Your views ?

      Manish

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