Do you need alternative investments in your mutual fund portfolio?

Sbhi mutual fund me march 2026 k bad logoka investment km hoo gya tha to phir……. Y video retail invester ko attract Kane ke to try nahi hai na ,, aap log Soch smaj ke & market analysis k bad invest krna

Trading me loss recover 100% ho sakta hai
Mene 5 years ka loss 3 months me recover Kiya h❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️🎁🎁🎁🎁🎁🎁🎁🎁

Long-term wealth creation is built on knowledge, discipline, and consistency. Great insights!

Echo is heard….please look into it

SIF was explained extremely well. Radhika seems to have excellent knowledge. Should plan another session focusing on MF questions.

Just look at her wealth….they become rich day by day and retail investors are not making any money….

Sip karo aur inko amir banao……

Most people commenting here don't understand what problem SIFs like Altiva Hybrid are solving. Let me clarify, this is for someone who already has a big mutual fund portfolio, like say, 1 CR+ already allocated to flexi cap, arbitrage/liquid, and debt funds. This Altiva Hybrid SIF sits between an FD/arbitrage/liquid fund and a pure equity fund. It is for people who want better returns than an FD, but with strong downside protection where capital preservation is the need of the hours. Why? Because since 2023 government made changes in debt fund taxes where you take duration and credit risks but still taxed at your slab rate which can be 30% or higher for many people. There will be some months when, say, the Nifty crashes by 10% (like recent west Asia war), and this altiva hybrid fund drops by only say 1%. Overall, in say, 12 to 18 months, you end up getting a 9 to 10% pre tax return. On a tax-adjusted basis, you are making alpha here. There are multiple advanced things happening in a SIF. Let's take the example of someone who puts 25L in an SBI FD and 25L in Altiva for say, 24 months, assuming they are in the 30% tax bracket. SBI FD (24 months @ 6.45%): Will be taxed at the 30% bracket. Altiva Hybrid SIF (24 months @ say, 8.50% avg return): Will be taxed at 12.5% LTCG. Based on this calculation, this fund can replace your certain part of your existing FD or fixed income portfolio because it solves the high tax leakage problem that retired people, HNIs, or people who only use FDs when they get sudden money from VRS or property sales etc. Of course, there is market risk too. That is why you should never go 100% into any single product and you have multiple Hybrid Long Short SIFs too. Your need to understand all of this, you need to do due diligence before you invest as minimum ticket size is 10L per AMC per PAN and you need to maintain that minimum 10L all the time (if it goes below that, you are given option to top up or take out all except when it is not due to market conditions). Then most SIFs don't have T+1 or T+2 redemption window. It takes more time to take out money as they do advanced F&O etc. So you need to understand all of this and then only get into it. That is why this product is for HNIs or someone with lots of money. Don't compare this with your normal mutual fund where your SIP or one time investment can be as low as 100 rupees and you can get T+1/T+2 redemption. It is far more nuanced that what I wrote but you get the gist of it.

29:00 mere paas 4 hain
Aur tumhre 50 ko beat krdega 😂

27:00 apke loye to US tech fund lumpsum open kr deta hu
Fir transaction hone pe close 😂

Yh SIF makes no sense to me… When I hear anyone say "Risk adjusted returns" my alarm bells start ringing, idc about "Risk adjusted returns" that is for the fund manager to know – All I care about is returns over a long period (5-10-20 yrs) idc whether you took lower risk or not you should be beating the index – managing the risk is why the fund manger is there – not to reduce the returns – if I had to choose between lower risk and or higher return, I would choose higher return – thats why I am in the equity business, else I would be in Fixed income business. And so no – risk adjusted lower return for long periods means I am out.

And the alarm bell ringing, made me think more – If you are hedginging, it literally means one of the 2 things :

1. You hedge as a standard practice to reduce risk, thereby reducing long-term returns.
2. You hedge based on market timing – you can call it risk adjusted return howmuchever you want – but that is speculation – and if this, then why do you say you cant tell when the markets will recover when itt comes to Mutual funds? You cannot time the market.

And so I took it to Gemini, and asked whether any legends actually recommend the conceptt of SIF, and the answer was a big "No", and said SIF is similar to hedge funds which are abroad. And I watched 3 videos about Hedge Funds to decide, SIF is more riskier even with "Risk adjusted returns" :

1. What Exactly Are Hedge Funds (And Why Are They Always Causing Problems)? – By Plain Bagel – He is an investment analyst from Canada I think and tries to make educational financial videos while trying to keep his personal opinions away – he obviously had neutral things to say with warning that "most of us common folks dont need toget into it."

2. Warren Buffett Reveals The Ugly Truth About Hedge Funds – by The long Term Investor – essentially its just warren buffet saying buy a passive S&P500 passive fund, essentially saying- finding a good manager who can manage hedge funds, is like finding a needle in a haystack. He argues that it exists so that the rich goes to these people to beat the average, but the real wealth is made with the power of patience – not by choosing more and more expensive consultations.

3. Hedge Fund Manager Apologies For Loosing $150M – An infamous short video of a hedge-fund manager, James Cordier – with 34 years of experience, accomplished author, confrience speaker and for 30 years he was successful, untill one day he lost all the invested money of his clients and appologized publicly – the worst part, "The risk adjusted retuns" attracted retirees to his fund and the retirees had no money and was in debt because of the option call.

Yeah, its not a good idea to give fund managers complete flexibility – buying a good company and holding it remain the best strategy in my books / the strategy recommended by the legends – And so, they dont need more flexibility than the ability to choose good companies to hold for periods they deem is good.

I am fine with average market returns, and definitely dont need "Risk adjuted returns". And if I am a not-so-sophiscated-investor for not doing it, I am fine with that – I am not a risk taker – I dont find equity risky one bit – I am 95% in equity because of it – If market crashes, I give it time and hooray I am in profits – 0% risk as long as the companies you invest in are good companies – which is why the fund manager exists and they invest in a basket of stocks.

Hedge funds are risky because there is no over-sight – fund managers are not held responsible for keeping the best practices – and the more succes they have the more riskier they become – because they believe they are justified to break the best practices – very very risky indeed – you can permenantly loose all your money – and no amount of waiting will get it back.

What annoys me about the video now after learning all this is how it was framed in the begining, "Indians started investing in mutual funds, relatively rescently – how can you teach them to invest in AIF" – What BS.

Aam logo ko samze is liye ek to pura Hindi me bolo ya amir logo ke liye full english me bolo…aam log isi liye market se dur rahte he…

Poor editing where are the time stamps????

I invest 90 % of my salary. Showoff kaam ker de to 60% easily ho sakta.

Fund houses launch a lot of new products to make money.
Do not fall for it.

Buy hybrid ,flexi and multi caps. 6 fund maximum is enough in all these.

SIF will underperform the Pure Equity Mutual Fund. Similar theory have heard in past Aggressive Hybrid doesn't fall as much as Pure Equity – False, PPFAS DAAF is better than PPFAS CHF – False.

😊😊👌👌👌🙏🙏

As a beginner, l've faced heavy losses trying to trade on my own. No matter how much I study, my small investments aren't growing. Any tips or recommendations would mean a lot.