WHICH IS BETTER - SIP or Lump sum Investment - ⁠Equity Scheme or PPF II Mutual Globe II Ep-102

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In Episode 102 of Mutual Globe, we answer real investor questions that many people are quietly struggling with—PF/FD money moved into mutual funds, lump sum timing mistakes, too many schemes, and confusion about what to do next. This is a no-hype, practical, investor-first Q&A where we focus on one thing: building a healthy investing mechanism instead of chasing predictions.

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EP-100    • Large Cap का हीरो कौन ? Nippon, ICICI या D...  

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HIGHLIGHTS
Why PPF/PF/FD money should not be blindly shifted into equity mutual funds
 The biggest mistake investors make: doing large lump sum entries at the wrong time
 Why SIP / STP (staggered investing) is often safer than “all-at-once” investing
 Why sector funds (health/pharma/banking/tech) can become riskier than expected
 The “healthy core” categories discussed for most investors:
o Flexi Cap
o Large & Mid Cap
o Mid Cap
o (Optional) Large Cap for more conservative
allocation
 How to handle a situation when you feel:
o “Should I redeem now?”
o “Should I switch funds?”
o “Should I exit in parts (STP-style) to reduce
regret risk?”
 Why too many schemes = too much confusion, and how to consolidate logically
 Why small cap over-allocation can be dangerous, even if recent returns look exciting
 General rule: keep debt allocation (20–25%) so emergency needs don’t force equity selling
 Gold exposure discussion: ~10% (example view) + why silver is more volatile
 US Technology funds: why availability changes and
what route investors can explore (GIFT City route
mentioned)

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CHAPTERS & TIMESTAMPS
00:05 – Welcome & Thank You Audience
00:34 – Viewer Question: PF/FD से Lump Sum Investment Mistake
01:48 – Lump Sum vs SIP / STP Strategy
02:52 – PPF & Debt Funds Importance
04:25 – Sector Funds & Small Cap Risk
05:56 – Portfolio Correction without Panic
06:48 – Best Mutual Fund Categories (General Investors)
08:39 – Ideal Equity–Debt–Gold Allocation
10:50 – Retirement Planning: PSU Bank Officer Case
12:38 – Monthly Income from Mutual Funds
14:21 – US Technology Funds Explained
17:23 – NRI Portfolio Review (Italy Viewer)
19:22 – ₹1 Crore Goal Planning (25 Years SIP)
21:12 – SIP Allocation Mistakes (Too Much Small Cap)
22:45 – Retirement Wealth Projection Strategy
25:31 – SIP Portfolio Review & Corrections
27:11 – Post-Retirement Investment Strategy
30:31 – Safe MF Strategy for First-Time Investors
33:33 – Episode Wrap-up & Closing
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CALL TO ACTION
If this helped, please Like, Share, Subscribe and press the 🔔 bell.
💬 Comment your age, goal, horizon, and current corpus/SIP for a chance to be featured in the next Ask Mutual Globe.

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COMMUNITY & VIEWER QUESTIONS
This episode is built around questions sent by viewers, including:
 A viewer who invested ₹70 lakh lump sum after withdrawing PF/FD—what should be done now?
 Portfolio review requests: “Are my schemes okay? What should I change?”
 Goal-based question: ₹1 crore goal in 20–25 years—how much SIP is realistic and how to avoid over-diversification

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CONTACT (FOR COLLABS/QUERIES)
✉️ Email: [[email protected]](mailto:[email protected])
📞 Phone: +91 8700908017

WELCOME TO MUTUAL GLOBE
Welcome to Mutual Globe! This channel is hosted by CA Manoj Shrivastava and CA Rahul Narayan with the mission to educate and empower investors about Mutual Fund investments in India. We analyse different mutual fund schemes, explain concepts like SIP, SWP, asset allocation, and diversification, and simplify global investing (US Tech, LRS, taxation). Our goal is to help you take informed investment decisions with clarity, confidence, and a long-term perspective.

DISCLAIMER
These videos are for education and learning only. The analysis shared is not investment advice or tips. Investing in securities markets is subject to risks, and past performance is not a guarantee of future returns. Please read all scheme documents carefully. Consult a qualified financial/tax advisor before investing or trading. We are not SEBI-registered advisors and will not be responsible for any losses. Data and scheme facts are as of recording and may differ when you watch.

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