00:00You have said that we can go in any scheme, so what kind of scheme should we be looking for?
00:08What kind of scheme should we start with?
00:12Because we all want to be a return, no one doesn't want to be a loss.
00:16So what kind of scheme should we start with?
00:22Tell us.
00:24Yes, what happens is that we should return and quickly?
00:29Yes.
00:30Patience is very low in people today.
00:34So according to my opinion, you should do your goal-based financial planning.
00:41It means that you should take care of three things.
00:45If you are investing in the first time,
00:47then the biggest way is that you don't put money together.
00:53Because we don't know about the market,
00:56so many global things are happening.
00:58What is going to happen tomorrow?
01:00No one can't predict.
01:01So if you don't put money together,
01:04then start your first mutual fund from SIP.
01:09This will be my goal.
01:11And if you have to choose a scheme,
01:14then the three things that are very important,
01:17one is what is your life.
01:19The second thing is,
01:21which way you have to adapt to this SIP?
01:25You want to adapt to this time horizon,
01:26and you should adapt to this scheme.
01:28So if you have to adapt to this business for 5 years,
01:29not for 10 years,
01:30or you want to adapt to this time horizon,
01:34then that is a big factor that you want to adapt to this scheme.
01:39And the third thing is the liquidity criteria.
01:42And the third thing is the liquidity criteria.
01:45So, when you have the money back, that is also a very big thing when you have selected the scheme.
01:52So, for example, if your time horizon is very small, 2-3 years,
01:58then you should not invest in the share bazaar or equity market oriented scheme.
02:04You should invest in the debt market or hybrid scheme,
02:08which is a little bit less than a share bazaar or equity portion.
02:13And if your time horizon is a little bit longer,
02:165 years, 8-10 years,
02:19then you have an aggressive hybrid where the equity portion is a little bit more.
02:24Or then you have in the share bazaar or equity market,
02:28100% equity oriented scheme,
02:30whether it is large cap, flexi cap, multi cap,
02:34or whatever you have to do with your asset allocation,
02:39you should invest in there.
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