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In this episode of Finance With Sharan, Amit Jain — a globally certified investment professional with 12+ years of experience in global capital markets and Co-Founder of Ashika Global Family Office Services (advising UHNI portfolios of ₹100+ crores) — walks us through how to pick mutual funds (and ETFs) when there are 4000+ schemes staring back at you. Amit cuts through the noise with practical rules: an age-based allocation mantra, why past performance doesn’t equal future potential, and how to hunt for mispriced quality stocks inside index universes like the Nifty 200. He also explains when an advisor’s fee can actually earn you 5–10% extra return versus DIY mistakes, and why ETFs used smartly reduce fees and volatility.
Amit shares concrete numbers from recent market snapshots: large-cap category spreads, small-cap swings, the typical mutual-fund breadth and why a concentrated list of 6–10 quality names can create alpha. He describes his process of screening, then selecting schemes that overweight those names and why theme + right weightage matters more than brand name of the AMC. We also dig into global opportunity sets, the role of REITs, and when being in cash makes sense while waiting for micro-opportunities. With experience leading a Reliance Capital Group company at a young age and a career built on studying market cycles and asset-class rotations, Amit brings a grounded, real-world perspective to simplify even the most complex investing decisions.
If you want a practical, no-fluff guide to simplify your equity allocation, fewer funds, clearer themes, and how to avoid being penny-wise and pound-foolish, this episode is for you. Hear Amit’s real examples and the closing playbook: pick quality, price it right, allocate with conviction, and don’t confuse past returns for future outcomes.
Listen, note down the age-mantra, and tell us which part helped you the most.
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Sharan Hegde is a personal finance creator & founder of the 1% Club, simplifying money, markets, and mindset for India’s next generation of wealth builders.
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Timeline:
00:00 — Precap
01:55 — How to Actually Evaluate a Mutual Fund
02:38 — Is Now the Right Time to Buy Stocks?
05:15 — Kya AAPKA Mutual Fund each mai Sahi hai?
07:50 — Should Retail Investors Pick Stocks on Their Own?
09:00 — Is Paying Commission to an Advisor Worth It?
10:52 — Picking the Best Mutual Funds 101
18:45 — The Most Underrated Investment: ETFs
21:04 — Which Countries Should You Invest In for Higher Returns?
23:53 — Why Europe’s Economic Growth Has Stalled
27:50 — Amit’s Take on Real Estate as an Investment
30:20 — His Advice for Investing in the Near Future
33:45 — Final Thoughts
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In entair podcast..there is no information about how to choose best mutual fund with quality of stock including ETF….as they discussed
Great video
So we are investing for one year returns😂😂
What kind of knowledge they r giving
His company searches stocks which will perform and then he searches the MF which holds this stock.. Gazab gadhagiri hai😢
Great 👍 but what about crypto Btc past 2 years 🎉🙏😉
Sharans questions are sometimes dumb!! 😢 quality is declining day by day
One thing is actually contradicting for me, he said the Real Estate might not go up because of the AI and IT industry but then he said IT appears bullish to him.
Hearing viewpoints from high-level thinkers is always refreshing
How to pick mutual fund?
Ans: outsource 😂
how to analyse futre of the stocks let us know iys very halpful
If I could identifying 20 stocks why would I go to mutual fund ?
Not the best videos.
He's wrong in showing difference of returns in best to worst schemes in a category.
Every fund runs on different ideology which plays out in different cycles. If you compare returns in 10 years almost all schemes returns are more or less same.
Check mid cap schemes and small cap schemes. All are giving same returns in 10-15 years horizon.
Don't fool people like this
Amit Jain's background is next level! advising 100+ crore portfolios?! 🤯 i'm definitely paying attention to his take on advisor fees earning you an extra 5-10%. worth it! ✨
Excellent Amith and Sharan THANKS A LOT
Lawyer of MF agents
Ruchir Gupta sir jo ki abtak ke best stock market expert hai sir, as your fan, i am requesting you to make an interview session with him, bohot awesome hoga!
Stupid middlemen everywhere trying to take a chunk of people's money. And people like sharan marketing for them
I am still wondering which small cap mutual fund did give 8% return in last one year 🤔
I would love to listen Madhusudan kela n Sunil singhania.
Comparing mutual funds based solely on 1-year returns is misleading and creates unnecessary panic. While the performance gap (delta) between the 'best' and 'worst' funds looks massive in the short term, historical data shows this gap shrinks significantly over a 3-to-10-year horizon due to mean reversion. Investors should focus on long-term rolling returns rather than chasing last year's winners, which often leads to wealth destruction through taxes and exit loads… 🤔🤔
Wrong comparison of MF with real estate. It's a marathon. just need patience tolerance and consistency.
Bla bla bla bla
It’s a good insight thanks…
What if the advisor also delivered the worst?
I love how sharan asks questions as someone who is a beginner rather than someone who knows everything and is exploring options. His curiosity and attention to detail is amazing and as always try to summarise things at the end. Nice job sharan!!
Who's this person. How can he comoare RE return with equity.
rupee is falling so don't choose Indian stock market
The person is picking extreme examples to induce fear against MF. For example, the difference between the best and the highest performing MF doesn't indicate that picking MF is as difficult as discussed. And there are more such examples in the video.
paid podcast. not adding any value.
The fund that was mentioned regarding china is mirae asset nyse fang+ fund has predominently has stocks only from US market and 0 chinese stocks.
What are odds of a person geeting a worst advisor and good advisor?
Very different from the other episodes, Great work. ❤
👏🏽👏🏽
Nice work!
so what's tha gurantee that advisor picks up only the best funds. I know one of the best advisor in the industry who is very well known in SM but picked up tata small cap and last year it was -12%. So as per your golden standards we pay the fee but end up in the worst fund. I am not saying it's a bad fund but over the time it will pick up but no one can predict.
The question was – How a retail investor select best mutual fund?
Answer – Find some good stock out there and then hunt down whichever scheme happens to hold it…. Really? LOL
Also thumbnail is misleading with the content!!!!
Great Insight 🎉
Sharan plzzz skip this cut scenes intro just start the video right away 😢😢😢
Please refund the one percent club membership fee. No customer support is responding. And many are facing the same issues. The app is a complete glitch with no content working. I can see that there is no money back guarantee as well due to lack of support response.
Hate to say it but he says we should get an expert to pick Mutual Funds and then says do a bottom-up approach where we should analyse the Stocks ourselves and pick an MF basis that! This AFTER saying that you want to be able to do your 9-5 job and NOT think about which MF to park your money…This sadly was an ad for his firm rather than takeaways for retail investors…
good velog
Overall, it's misleading
1. Do you think he has a better team than AMCs?
2. What's the difference between him and AMC?
3. This will end up in doing swing trading in stocks rather than mutual fund investments
4. If we don't pick right stocks and the right time, you will be losing more hence mutual funds are better
Please don't endorse these people, your reputation will be lost
Comment section is filled with paid comments.
advise good nifty 50 fund with low expense ratio and also advise where i should invest 5lakhs after retirement
Really hope people don't listen to this riff-raff and put their money to big losses.
Everyone is SELLING. he is here to sell
Jbrdst Chutiya bna rhe hai. 35 research analysis mil k ye observe kiya ki CHANDNI CHOWK delivered Nil returns in last 20 yrs
Example to thik select krna chahiye.
The advisors work with our portfolio in building their wealth – not ours