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Smart Mutual Fund SIP - August 2021 @ sip wealth creator using Zerodha's coin platform.


(The above video is in Hindi language and if you are not familiar with Hindi language, then read this post to understand the video content.)

Hey welcome back!

Today is 11th August 2021 and you will get the video before 8 O'clock in the morning. 

1st of all, Let's check the valuation of the stock market. 


Date - 11-08-2021

BSE - Sensex - 54554

PE (Price to Earning) – 29.90

Price to Book Value – 3.48

Dividend Yield - 1.0

Right now stock market valuation is at 29.90 PE (Price to Earning) means for earning one rupee we have to give 29.90 rupees right now, which is expensive deal as it is delivering just 3.34% return, and right now bank saving accounts are offering 3.5% to 4% interest rate and hence the expected return is much less than the bank saving account. Bank saving account offers risk free return of 3.5% to 4% return then why the hell we will take risk of investing the money in stock market for 3.34% returns expectations.

 

So, we will not infuse new money in stock market right now and instead we will wait for either earnings of the companies to pick up to justify the valuation or vice versa. We don’t have any problem buying the markets at higher level, but we will only buy it after we get valuation justification. Till then we will park the money in debt fund especially, in GILT Fund. 

The Fund that we are investing is, Nippon India Gilt Securities Fund.

SIP AMOUNT - 5000

NAV - 33.1926

No. of Units allotted - 150.628

 

and this is the current status of stock market portfolio 

 

Total money invested - 10,49,605

Market Value of Investment - 15,84,921

Change – 5,35,316. (51%)

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