5 CRUCIAL Things to Know Before Investing In Mutual Funds | Kushal Lodha

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I asked Feroze how he went from earning ₹1.5-2 lakhs monthly as a teacher to taking a 90% pay cut for banking. He did the math: the best teacher earned ₹2.5 lakhs at peak, but the best private banker made ₹4.5 crores—a 400x growth opportunity. That calculation convinced him to take the risk despite everyone's warnings. I asked about his biggest wins and losses. His worst investment was a private equity real estate deal that returned just 4% IRR when properties were multiplying 4-5x elsewhere. His best was a COVID-era structured product delivering 28% IRR, and Anand Rathi shares he bought from panicked sellers during the pandemic—not for profit, but to keep his word to clients.​

I asked how he identifies winning mutual funds. He revealed his "Holiday NAV" framework—calculating what a fund's NAV would be if the manager was on holiday all year. If the holiday NAV is lower than actual, the manager added real value. For example, Manish Gunwani of Bandhan added 8.6% value in one year through his decisions alone. I asked about his model portfolio, which delivered 4.13% compounded excess returns over Nifty for 11+ years—that's 140% more wealth than just buying Nifty. I asked about Anand Rathi's incredible retention—only 2 people left from 300 senior employees. The secret? No sales contests ever. Instead, they close business on March 25 every year and take the entire team on fully-sponsored foreign holidays with families, regardless of performance.

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Timestamps:

00:00 Trailer & Introduction
02:06 Feroze’s Early Career before moving to finance
04:52 Taking a pay cut to join a banking job
11:29 Net Worth Excel Sheet
14:40 Recovering people’s money
17:22 Advice for investors on maintaining an excel sheet
18:49 How Feroze started his investing journey?
20:28 Feroze’s IRR on investments
21:22 Best & Worst Investments
30:49 Why Anand Rathi Closed its Real Estate Fund?
32:35 Why retail investors should avoid certain funds?
35:08 Framework for investing in mutual funds
39:01 Discussion on Specific Mutual Funds (Quant, Motilal Oswal)
43:18 Anomalies in the stock markets
54:24 Interview Questions for Finance Aspirants
01:01:42 Attrition Rate & Retaining Employees
01:05:51 Mis-selling in the industry
01:14:36 Lumpsum v/s SIP
01:16:34 Feroze’s personal asset allocation
1:23:28 Legitimate Tax Saving Tips
1:33:48 What would Feroze ask himself?
1:35:56 Conclusion
1:36:29 Outro

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