About this Video

• Video Title: ALL Investment OPTIONS Explained! | Investing Strategies 2025 | Ankur Warikoo Hindi
• Channel: warikoo
• Speakers: Ankur Warikoo
• Duration: 00:33:29

Introduction

This Hindi-language video by Ankur Warikoo provides a comprehensive guide to various investment options, tailored for 2025 and beyond. The video emphasizes the importance of time and rate of return in investment strategies, outlining different risk levels associated with each option.

Key Takeaways

• Importance of Emergency Fund: Before any investment, securing an emergency fund covering at least six months of essential expenses is crucial for unforeseen circumstances (health emergencies, job loss, etc.). The recommended allocation is 60% in fixed deposits, 30% in bank accounts, and 10% in cash.
• Low-Risk Investments (5-8% annual return): Fixed Deposits (FDs), Employee Provident Fund (EPF), Public Provident Fund (PPF), government schemes, and gold (digital gold is preferred over jewelry) offer lower returns but higher security. The rule of 72 is explained to calculate the time it takes for an investment to double.
• Medium-Risk Investments (8-15% annual return): Corporate bonds (with high credit ratings like AAA or AA), debt mutual funds, and real estate are discussed. Real estate's illiquidity is highlighted as a drawback. Medium-risk mutual funds (especially mid-cap or flexi-cap) are recommended for better returns compared to low-risk options.
• High-Risk Investments (25-40%+ annual return): Stock trading (short-term), startup investing, and cryptocurrencies are categorized as high-risk, high-reward investments. The video cautions against stock trading without expertise and highlights the extreme risk involved in startup and cryptocurrency investments, recommending a maximum allocation of 5-10% of the portfolio to high-risk assets.
• Time and Rate of Return: The video repeatedly stresses the importance of both time horizon and the rate of return in achieving financial goals. A longer time horizon allows for higher-risk investments with the potential for significantly greater returns through compounding.

The three types of equity mutual funds discussed are:

1. Large-cap: These invest in large-sized companies and are considered the safest among the three.
2. Mid-cap: These invest in medium-sized companies and have a higher risk level than large-cap funds.
3. Small-cap: These invest in small-sized companies and carry the highest risk among the three.

The risk level increases from large-cap to mid-cap to small-cap, with correspondingly higher potential returns over longer investment periods.