Coin by Zerodha
@CoinByZerodha
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India's largest direct mutual funds platform by @zerodhaonline .
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Joined June 2018
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Visualize your mutual fund investments on the NAV chart on Coin.
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|￣￣￣￣￣￣￣￣￣￣￣￣ |
STOP CHECKING YOUR
PORTFOLIO & NAVs
EVERYDAY
|＿＿＿＿＿＿＿＿＿＿＿＿ |
(\__/) ||
(•ㅅ•) ||
/ づ
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The yields on Govt bonds have risen substantially this year and there's a lot of interest from investors. But we also get a lot of questions from investors about how Govt bonds work.
Let's understand the basics in this thread 🧵
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When all you hear are things that make it seem like the market is going to zero, just zoom out.
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True story of most retail investors
July 1: Got salary, will definitely start investing
July 3: Oooh smartphone on sale. I'll invest next month
July 25: I'll definitely invest next month
Aug 1: Got salary, 100% I'll invest
Aug 11: Amazon sale
Don't be like this guy👆😐
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Last year: The markets have risen too much, now is not a good time to invest.
This year: Markets will fall more, now is not a good time to invest.
Unless you are really, really good at market timing, continuing your SIPs and ignoring the market noise is the best thing to do.
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The number of people constantly tempting you to borrow the money you don't have to buy things you don't need is scary😰
A big part of your personal finance journey is to constantly keep saying no. Saying no is truly an underrated edge.
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What are some investing 📚books everyone should read?
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Good morning to everyone except people who haven't transferred money for their SIPs yet😐
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Whenever there's a sideways market or a small dip in the market, investors freak out. A few thoughts.
1. There's always a reason to sell.
If you listen to the news, there's always a reason to sell. But if you took the news seriously, you'd always be 100% in cash.
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Folks, we just started a monthly newsletter for Coin😀 The goal is to send you a monthly update with things that you should know and can help you invest better.
In issue 1: We talk about the rush of NFOs & the No.1 mistake that investors make in the bull market.
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The Indian mutual fund industry hit a landmark milestone as the assets under management (AUM) of the industry crossed 50 lakh crores in December 2023.
Here are some key numbers about the Indian MF industry🧵
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Mutual fund investors have higher odds of building wealth if they focus on avoiding mistakes instead of chasing the "best fund." This is the goal of Nudges on Coin (coming soon on the app).
We'll show you a Nudge to warn you so that you can consider all risks before investing😀
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The SEBI website has a bunch of useful tools and calculators that can help you plan your personal finances.
Check them out 👇
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Look, we are not saying you should do this
#NoSmokingDay2021
🚬Butt if you had started a SIP of Rs 1000 a month instead of smoking 2 cigarettes a day, you could've saved nearly 39,000 in the last 3 years in a liquid fund😶
To be clear, we are not saying you should do this🤐
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In defense of the humble Systematic Investment Plan (SIP). There's always some noise about SIPs being terrible 😢 It's always good to understand what a SIP is exactly, and what it can and can't do.
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it's ok to judge people who can invest but still keep the money in their savings account😐
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What are some things about investing & personal finance that you wish you had figured out early?
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Asset allocation
😃
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━━━━━┓ ＼＼
┓┓┓┓┓┃ Market volatility
┓┓┓┓┓┃ ヽ😮ノ
┓┓┓┓┓┃ /
┓┓┓┓┓┃ ノ)
┓┓┓┓┓┃
┓┓┓┓┓┃
┓┓┓┓┓┃
┓┓┓┓┓┃
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A few thoughts about the last 3–4 years.
The last few years have given us a preview of all kinds of markets. But what has worked regardless of market conditions is being sensibly diversified .
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Tim Ferris: If you were 30 years old again and had your first million in the bank, how would you invest it, assuming you are not a full-time investor and have another full-time job?
Here's how Warren Buffett & Charlie Munger responded 👇
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Asset allocation
😃
|\✋🤚
/ \_
━━━━━┓ ＼＼
┓┓┓┓┓┃ Market volatility
┓┓┓┓┓┃ ヽ😮ノ
┓┓┓┓┓┃ /
┓┓┓┓┓┃ ノ)
┓┓┓┓┓┃
┓┓┓┓┓┃
┓┓┓┓┓┃
┓┓┓┓┓┃
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If you listen to the news, it might seem like the world is a few weeks away from ending, but it's just noise.
You are better off ignoring the noise and:
1. Continuing your SIPs & increase them regularly
2. Have a sensible asset allocation
3. Behave well
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What's the one investing mistake that you're most afraid of making?
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What a sentiment change from euphoria to despair. "Experts" now say that we're headed for the mother of all crashes because of inflation & the Fed stopping money printing 📉
So, what should you do if we're headed for a serious crash? Here are some obvious do's and don'ts 👇
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Will the
#RussiaUkraineCrisis
trigger WW3?
Will the markets fall more?
Should you sell everything or buy something?
All your questions answered here 👇
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SIP to buy a Mercedes😎
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The average Indian life expectancy is 70 years, but this hides substantial variation. With the medical progress we're making, the odds are that you will live longer.
This is a critical input in your financial plan, and it's always wise to assume a higher life expectancy.
Why?
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We humans might be the smartest creatures in the universe, but we do some really silly things when investing😅
In this issue of the Coin newsletter:
1. Our investing expectations, mistakes & the behavioural science behind it
2. Crowd favourite - smallcap funds & the agony☹
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1st of every month - 9 AM 1st of every month - 9 PM
Don't forget to save for your long-term goals first and spend on other things next😉
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Jonathan would've made a brilliant mutual fund investor. Be like Jonathan😉
Hello World, my name is Johnathon and i was born in 1832 Still going strong.. Love you all.. It was my birthday last month and i am 189 years old.
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"Return to sanity" is the perfect description of markets this year.
All the insanity of the past three years vanished this year, and investors this year have relearned all the old lessons.
It's a good time to look back at what happened in the markets and see what we learned.
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A few thoughts on getting rich.
1. It sounds counterintuitive, but the sooner you accept that it's impossible to get rich quickly in the markets, the happier and wealthier you will be.
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Having a diversified portfolio across equities, debt and gold is the best way to deal with the inevitable ups and downs🎢of the market.
A well-diversified portfolio not only gives you a smoother ride but also peace of mind😪
1-month returns for illustrative purposes.
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The role of debt in a portfolio is to help you diversify and reduce risk, not to generate returns. Equity is where you take risk, not in debt. There's absolutely no use in chasing returns or hunting for yield in debt.
The best thing you can do is to keep it safe and simple.
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Sovereign Gold Bonds (SGB) are now open for investment at Rs. 5359 per gram.
Why SGBs?
Fixed 2.5% interest every year
Guaranteed by the Government of India
No expenses or other charges. Gold ETFs & funds charge up to 1%
Visit to invest.
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Bonds with less than 1 year of maturity are called Treasury Bills (T-bills)
Bonds with more than 1 year of maturity are called G-Secs.
Bonds issued by state governments are called State Development Loans (SDLs).
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What's the best financial decision you've made this year?
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Have you ever been mis-sold anything by banks or other intermediaries?
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The longer your investment horizon, the higher the odds of better returns.
Image:
@ActusDei
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The Govt needs money to finance various activities such as health, infrastructure, defence & other obligations.
So, the Reserve Bank of India (RBI) issues bonds on behalf of the central and state governments to raise money to fund these activities.
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There are 1000s of mutual funds, insurance policies, finance books & blogs. Too much choice sounds nice in theory, not so much in practice. After a certain point, too much choice & noise scare people into doing nothing. This is why most people keep money in an FD or savings a/c.
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What personal finance achievement are you happiest about this year? 😀
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One of the easiest, low-cost, & tax-efficient ways to invest in the US or globally is through international mutual funds. This is the best option for the vast majority of investors.
You don't have to worry about filling forms, visiting banks & currency charges
Here's why 👇
Tempted to invest in US Stocks directly?
Hold your horses✋
If you can’t invest at least ₹1 Lakh at a time, you’re doomed to make significant losses the moment you transfer💰 into your US broker a/c.
Huge remittance charges (per transaction) is the devil no one talks about 🤫
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If you are a long-term investor, try not to think about your investments often. Stop watching the news and never pick up a newspaper if you have a problem with patience. When it comes to long-term investing, the longer you can wait, the more profits you will reap.
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Start of a new year is when we think about our personal finances & it's ultimately about whether we have enough—that's perfectly fine. But the last 2 years were a reminder that there are far more important things than money.
A few thoughts on mental health & financial anxiety.
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How are Govt securities sold?
The RBI conducts an auction where banks, primary dealers, mutual funds, and insurance companies bid on the bonds. A cut-off yield or price is then discovered at the auction based on which the bonds and T-bills are allotted.
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"Most financial mistakes come when you try to force things to happen faster than is required. Compounding doesn’t like when you try to use a cheat code." - Morgan Housel
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All returns are calculated on an annualized basis. Check the image.
Once the T-bill matures, the money will be credited to your primary bank account.
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If your house had a daily NAV like a mutual fund, you wouldn't sell it just because the price fell, right? But it's the exact opposite with investing since there are daily prices. The slightest volatility & people think the world is ending & sell in a hurry.
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If you have diversified across equity, debt, and gold, then your portfolio is doing its job. It's a good day to do nothing.
Constantly tracking our portfolios is how we end up doing things we'll regret later😀
Close everything, do something else.
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NiftyBeES ETF tracks the Nifty 50 index. It was launched 21 years ago and is one of India's oldest funds.
Since its inception, it has delivered about 15% annually. The journey of NiftyBeES shows the beauty of the difficulty of long-term investing📈🎢😃
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Here's a scientific fact
People who start investing on Mondays made more money than people who started on Tuesdays.
True story!
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Unlike bonds, T-bills don't have any interest payments. The difference between the issue value and the maturity value is your return.
Here are the t-bills available for investing this week. One common question we get is, "will I get 6.5% for 91 days?
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How does a T-bill work?
T-bills are issued at discount and redeemed at par or face value. For example, a 91-day T-bill worth Rs 100 will be issued at Rs 98. After 91 days, the bill will mature, and you will get Rs 100.
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Two things that stand out from this Mint series about how people manage their personal finances.
1. There's no “best” way of investing. The way you save and invest will be a reflection of your risk tolerance, risk capacity, values, and unique life circumstances.
I get asked often, why stop trading?
Trading isn't just trading stocks, It's trading your time and efforts to do things, where the risk to reward is most in your favour. While I have stopped trading stocks actively,
@zerodhaonline
is by far the biggest trade of my life. 1/7
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It's never been easier to borrow money, from "buy now, pay later" to "marry now, pay later". Loans are instant, but so are regrets. Many people don't understand the basic math of borrowing and get exploited by predatory lenders. Here are a few tips for using credit responsibly.
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💯 Stepping up your SIPs is one of the easiest hacks to build a larger corpus. Here's why👇
Intertia or status quo bias is the No.1 enemy of investors. It's human nature to prefer inaction over action.
To young investors -no amount is too small to start the equity journey
Rs 5000 per month
stepping up ~10% every year (Rs 5500 p.m in year 2, Rs 6100 in 3rd…)
CAGR of 12%-13%
will give you 4-5 Crs in 30 years
Step up compounding is 9th wonder of world!
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Success is more than just having a lot of money. It's also about having good relationships, physical & mental health, being mindful, and living a life of purpose. This was the key message of Balance by
@aphallam
.
👌 It's a beautiful book that forces you to think holistically.
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Investors often ignore the basics of investing in bull markets, especially new investors. But good times don't last.
So, this week, we caught up with Rishad Manekia of
@KairosCapitalIN
to discuss the basics of personal finance for new investors & how they can get started.
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On this week's
#CoinWeeklyChat
, Anurag Mittal, Fund Manager
@IDFCMF
talks about all things debt funds, the new IDFC G-Sec index funds, interest rate cycles, inflation, economy and more.
#ZerodhaEducate
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How do G-secs and SDLs work?
Both G-Secs and SDLs are long-term bonds, and they are structured the same. Let's first understand how to read a G-Sec/SDL symbol. Here are the G-Secs available for investing this week.
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Investors spend a lot of time worrying about the equity part of the portfolio and don't nearly pay enough attention to the debt portion. But you should be just as careful when building your debt portfolio.
🧵A few things to keep in mind.
One common query from mutual fund investors over the past few months is why are debt mutual funds falling. This question became even more important after RBI raised the Repo rate by 40 bps (0.4%).
🧵A quick thread on a few basics of debt funds.
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On today's
#CoinWeeklyChat
live, Nitin Kabadi, head of ETFs and Chintan Haria, head of product development
@ICICIPruMF
will be talking about all things index funds, ETFs, smart beta, and passive investing. Do post your questions below in the tweets and we'
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Given all the craziness in the markets, It might feel like there's easy money to be made, but that's not the case. It's very easy to let greed & FOMO get the better of you, but you risk hurting your long term goals.
In this issue, we talk about how to navigate these markets.
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There are over 12 new fund offers (NFOs). "Should I invest in this NFO" is a common query we keep getting. Here are some things you need to keep in mind before investing in NFOs.
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SEBI just published a circular setting minimum investment limits for multi cap funds in large, mid, and small cap stocks. Multi cap funds earlier had the freedom to invest anywhere without restrictions.
Here's everything you need to know.
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2 easy rules to save money on unwanted online shopping:
Rule 1: Don't shop
Rule 2: Remember rule 1
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🎧This week, we caught up with Prashanth Jain, the veteran CIO of
@hdfcmf
.
In this brilliant & wide-ranging conversation, Prashanth spoke about the Indian markets, current valuations, his research process, portfolio construction, active vs passive & a whole lot more.
Enjoy👇
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What's on your end of the year personal finance checklist?
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Investing should be more like watching ITC do nothing or watching grass grow. If you want excitement, take $800 and go to Las Vegas😜
- Paul Samuelson.
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Many investors spend a lot of time trying to find the "best" date and frequency for SIPs. But the returns are the same regardless of when you invest. Here's an analysis from
@WhiteOakCap
on the "best" SIP date and frequency. Also, a few tips on what you should do instead 😀
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Let's take the example of a G-Sec—7.10% GS 2029:
7.10% is the annual interest
GS is short for government security
2029 is the maturity year
It's the same for SDLs:
8.64% MP 2033
8.64% is the annual interest
MP is short for Madhya Pradesh
2033 is the maturity year
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One of the best ways to invest in a disciplined manner is to automate all your investments. You can now automate all your mutual fund SIPs on Coin by creating eMandates.
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Update: SEBI issues a press release clarifying the reasoning behind the circular mandating multi cap mutual fund schemes to invest a minimum of 25% of the AUM in small cap and mid cap stocks. Read more 👇
SEBI just published a circular setting minimum investment limits for multi cap funds in large, mid, and small cap stocks. Multi cap funds earlier had the freedom to invest anywhere without restrictions.
Here's everything you need to know.
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The easiest mistake to make in a bull market is to start comparing your portfolio to someone else's.
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If a bond doesn't have an interest in the symbol, that means it's a newly issued bond. The yield will be discovered in the auction and the interest will be the same as the yield for newly issued bonds.
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Rampant mis-selling of financial products is a huge problem, but so is mis-buying. The best way to avoid getting mis-sold is to know what you are buying instead of falling for sales pitches.
Here are a few things that can help you avoid getting mis-sold 👇
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Did it hurt? When you found out regular mutual funds are not free and that you have to pay commissions even when you DIY.
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While we'd like to think that we make rational decisions based on all available info, research shows that's not the case. We most often rely on things that we can easily recall or data that is easily available. While this might ok elsewhere, it can be dangerous when investing.
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How is the interest paid?
The interest is paid out semi-annually. It will be credited to your primary bank account.
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There isn't a magical strategy that gives equity returns with debt volatility. Beware of people selling such stories.
Build a portfolio with equities, debt, and gold that allows you to sleep well at night and ignore everything else.
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At what price or yield will the bonds be allotted?
The yield or the price will be discovered through competitive bidding conducted by RBI where institutions participate. When you buy a G-Sec on Coin, you are buying it through the non-competitive bidding mechanism.
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The best way to choose the wrong debt fund is by relying on past returns, ratings & not understanding the risks.
Debt funds in your portfolio are mean to provide stability, they are not for chasing returns. Learn the fundamentals and understand the risks before you pick a fund.
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Is there anything I can read to understand more?
You can check out this
@ZerodhaVarsity
chapter:
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A comfortable retirement🏖 is the ultimate goal we work and invest for. But given that it's a distant goal, most people don't think about it.
We recently caught up with
@AMajitmenon
of
@PGIM_IndiaMF
to talk about how to plan for your retirement and retirement readiness in India.
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Why are the markets going up?😕
Is this a bubble?💭
Should I reduce my investments?😟
How do I start today?🤩
How do I invest❔
These are some questions investors have today. So, we caught up with
@KalpenParekh
&
@SahilKapoor
of
@dspmf
to help you make sense of these questions.
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International funds are in flavour right now because of the good returns. But investing based on past returns is a terrible idea. In this episode,
@pratikoswal88
of
@motilaloswalamc
explains the need for global diversification and the right way to think about it.
#ZerodhaEducate
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Have you stepped your SIPs, yet?
@zerodhaonline
Automatically Step-up for SIPs with
@CoinByZerodha
is a wonderful option !
@_groww
@FundsIndia
"Step-Up" please!
@IndiaEtfs
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If you wanted to invest in gold and missed the last issue of Sovereign Gold Bonds (SGB), a new tranche opens for investment today:
If you're looking to add some gold to diversify your portfolio, Sovereign Gold Bonds (SGB) are now open for investment.
Why SGBs?
Fixed 2.5% interest every year
Guaranteed by the Government of India
No expenses or other charges. Gold ETFs & funds charge up to 1%
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This week's tranche of T-Bills and State Development Loans (SDLs) are now available for investing. T-bills and SDLs are now yielding significantly more than comparable fixed deposits.
To invest:
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