Smart Investing in 2025: Top Tips to Pick the Best Mutual Funds | Value Research

Welcome to the first Investors' Hangout of 2025! 🎉 In this episode, Dhirendra Kumar shares expert insights on choosing the best mutual funds for the year ahead. Learn how to simplify your investment strategy, balance risk and rewards, and build a resilient portfolio for long-term success.

Whether you're a new investor or a seasoned pro, this session is packed with practical advice to help you navigate the market with confidence. 💡 Don't forget to subscribe for weekly updates on smarter investing!

00:04 Introduction
00:30 What key factors should investors prioritise when selecting mutual funds in 2025?
02:40 How should investors balance risk and rewards when choosing between equity, debt, and hybrid funds in 2025?
05:32 What advice should investors consider regarding thematic and sectoral funds in 2025, given their popularity in 2024?
07:40 How important is a fund manager's role or track record when selecting a fund, and what other metrics should investors consider?
09:50 Are there any other metrics that one should evaluate before making a decision?
12:10 What is the optimal strategy for experienced mutual fund investors to build a resilient long-term portfolio in 2025?
13:05 Viewer's question: Do you recommend investing in ULIP? Previously, it was not recommended to mix insurance and investment. With new-age ULIPs, the fund charges have gone down. One of the main advantages of ULIPs over equity mutual funds is no LTCG/STCG charges when moving investment from one scheme to another, like moving from one equity index to, say, a debt fund.
15:37 Closing
15:47 Key Takeaways:
- Keep investing simple and steady: Focus on long-term growth with consistent, regular investments.
- Diversification is key: Avoid sectoral and thematic funds for long-term investments as they compromise diversification.
- Balance equity and debt for stability: Retirees should consider a mix of aggressive hybrid funds to manage risk and optimise returns.
- Fund manager experience matters: Look for fund managers who have navigated both rising and falling markets rather than focusing on past returns.
- Avoid market hype: Stick to your investment strategy and ignore short-term predictions to achieve long-term success.

🍁 𝗔𝗯𝗼𝘂𝘁 𝗩𝗮𝗹𝘂𝗲 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 🍁
Welcome to Value Research, your go-to source for insightful investment guidance and financial planning. With over three decades of experience, we empower savers to make informed decisions through independent research, fund ratings, stock analyses, and mutual fund insights. Trusted by individual investors and industry leaders alike, our channel provides expert answers to common queries about mutual funds, stocks, tax-saving strategies, and more. Join us for in-depth analyses, practical advice, and top-tier investment recommendations to achieve your financial goals and secure your financial freedom.

✨ 𝗝𝗼𝗶𝗻 𝗩𝗮𝗹𝘂𝗲 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 ✨

Do you have an investment-related question?

🌐 𝗙𝗼𝗹𝗹𝗼𝘄 𝗨𝘀 𝗢𝗻 𝗢𝘁𝗵𝗲𝗿 𝘀𝗼𝗰𝗶𝗮𝗹 𝗠𝗲𝗱𝗶𝗮 📢:

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Thanks for Watching - Smart Investing in 2025: Top Tips to Pick the Best Mutual Funds | Value Research

[Rahul-feis]

Reading/listening to this gentleman since 2007. Ocean of knowledge and most reliable man in equity market in my opinion.

[MyKitePlan]

I can say, Value research is the best and trusted channel! I read the weekly updates by Value research. Thanks

[KPS_]

13:07 Viewers Question: The text shown in the video is not matching with the voice/question read by Ms.Ruchira. Not sure how this was missed by the editor.

I guess this video was edited on the evening of Dec 31st and the editor wanted to quickly wrap up the work and go for a party ;)

[donaldpinto]

Ma'am your voice is very professional and cute at the same time😊

[Dracorexia]

@value Research. at 13:26 the question posted is from the previous video and not the current one. Also huge fan of your work on this channel to educate the masses.

[udayjha]

Good session, especially for beginners 🎉

[shhk]

"Respected... Insight, patience, and profound experience truly matter. Thank you for the 'priceless'

[pulaknath]

10:47 please modify in fund house classification, e.g., 1st to 10th AMC, 11th to 20th, and 21st to rest

[DiwakarPalyam]

Insightful message. Thanks for your time for making this useful video.

[Human-io]

Dear Madam, I am a regular listener of Sir. Presently I have 12 yrs left for my retirement from Govt pensionable job. Now, I have kept lumpsump in Bank FD and the monthly interest is invested in Flexicap, Small cap, Mid cap, Momentum mutual fund (total 06 funds). My equity investment is 33% of lumpsump in FD. Do I need to increase equity exposure?

[indranidasgupta]

For a retail investor who buys MF thru distributors will it be possible to track fund managers model of investment? Considering that he may regular reader of investment magazines.. what can be done in such cases..

[saurabhsingh-jk]

excellent episode, is it possible to share the video with proper credits on our MFD website ?

[adas]

I am noticing off late DK has developed a crush for aggressive hybrid funds😂

[shanmugavelayudamarumugam]

For NPS tier2 what is age limit to startwith

[chinnujacob]

Are ELSS funds meant exclusively for tax savers ? What if non - tax savers invest beyond 80 C limit if the funds give far better returns than Bank FD returns ? Can disregard the lock in period of 3: years as my tenure is beyond 7 years .

[venkataramananravisankar]

Little bit confused, if retirees invest aggressive hybrid fund. Due to 75% exposure in equity, this will not affect is investment Sir ? Why not conservative hybrid fund for steady income and park Little amount in aggressive fund for growth.

New Year wishes to entire team.

[RebeccaStallion]

For new investors: Buy stocks in solid companies and hold them as long as they stay strong. Ignore forecasts and market opinions—they’re distracting at best and useless in the long run

[saurabhIndianboy]

Shall we hold or sell ABSL PSU fund ? Its in heavy losses

[Bhsr]

Many times I get confused. What Mr. Dhirendra says is quite opposite to the suggestion given in value research premium subscription.

I am not clear which I have to believe or trust

[sridharbadgal]

DK married to Aggressive Hybrid Fund 😀🤣