{"id":7797,"date":"2021-05-12T01:03:59","date_gmt":"2021-05-12T01:03:59","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=7797"},"modified":"2021-12-15T11:59:53","modified_gmt":"2021-12-15T11:59:53","slug":"if-you-dont-know","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/if-you-dont-know\/","title":{"rendered":"If you don&#8217;t know, now you know!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e3fc1c2fb5d\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e3fc1c2fb5d\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/if-you-dont-know\/#Feature_Showcase_Tax_Harvesting\" title=\"Feature Showcase: Tax Harvesting\">Feature Showcase: Tax Harvesting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/if-you-dont-know\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/nav><\/div>\n<table class=\"mcnBoxedTextBlock\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody class=\"mcnBoxedTextBlockOuter\">\n<tr>\n<td class=\"mcnBoxedTextBlockInner\" valign=\"top\">\n<table class=\"mcnBoxedTextContentContainer\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td>\n<table class=\"mcnTextContentContainer\" border=\"0\" width=\"100%\" cellspacing=\"0\">\n<tbody>\n<tr>\n<td class=\"mcnTextContent\" valign=\"top\">\n<div>\n<blockquote>\n<pre id=\"lyric-body-text\" dir=\"ltr\" data-lang=\"en\">You know very well\r\nWho you are\r\nDon't let 'em hold you down\r\nAnd if you don't know, now you know\r\n\r\n: The Notorious B.I.G, Juicy  \r\n\r\n<\/pre>\n<\/blockquote>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table class=\"mcnCaptionBlock\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody class=\"mcnCaptionBlockOuter\">\n<tr>\n<td class=\"mcnCaptionBlockInner\" valign=\"top\">\n<table class=\"mcnCaptionTopContent\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td class=\"mcnTextContent\" valign=\"top\" width=\"564\">This one is going to be a short note and we will revisit one of the most frequently asked questions of us &#8211; should one buy direct equity or buy via equity funds (index or otherwise).&nbsp;<\/p>\n<p>In a <a href=\"https:\/\/kuvera.in\/blog\/buy-sell-or-hold-stock-how-to-handle-volatility\/\" target=\"_blank\" rel=\"noopener\">study we did in Sep 2020<\/a> we note:<\/p>\n<p>&nbsp;<\/p>\n<p><em>A lot of new investors have been led to believe stock investing is easy, finding the right stock is easy and that once you invest the returns will automatically follow.\u00a0 Furthermore, a narrative has been created that while most Mutual Fund SIPs have not returned much in the last 3 years, if you were invested directly in stocks you could make a lot of money. While the first part of the statement is true, a Nifty index Mutual Fund SIP over the past three years would give you a ~4% XIRR, the second part is patently false. <\/em><\/p>\n<p>&nbsp;<\/p>\n<p><em>Comparing point to point returns of stocks with SIP returns of Mutual Funds is meaningless.\u00a0\u00a0To make a fair comparison, we looked at individual stock SIPs of ~275 largest stocks over the past 3 years. <strong>The average XIRR for a stock SIP is -0.9%. On average, in a stock SIP over the last three years, you would have lost money. <\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n<p>We came across some more evidence on the same from Blackrock, but this time for the US markets.<\/td>\n<\/tr>\n<tr>\n<td class=\"mcnCaptionTopImageContent\" align=\"center\" valign=\"top\"><img class=\"mcnImage\" src=\"https:\/\/mcusercontent.com\/9460ade7a36b92bd9a14f2bfd\/images\/9fc28921-3cb2-40be-ace2-2254685f69f3.png\" alt=\"\" width=\"530\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table class=\"mcnTextBlock\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody class=\"mcnTextBlockOuter\">\n<tr>\n<td class=\"mcnTextBlockInner\" valign=\"top\">\n<table class=\"mcnTextContentContainer\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td class=\"mcnTextContent\" valign=\"top\">These are your odds when selecting stocks.\u00a0 And this is during a raging bull market. The US stocks broadly gained 15.2% per annum over the last 5 years.&nbsp;<\/p>\n<p>If you think you can do a better job selecting stocks than an index fund or an active fund manager then do give a <a href=\"https:\/\/www.youtube.com\/watch?v=42e0UpxnEBs\" target=\"_blank\" rel=\"noopener\">listen to this podcast<\/a> and articulate for yourself what your investing edge is.<\/p>\n<p>&nbsp;<\/p>\n<p>Ps: the biggest smoking gun that most retail traders\/stock pickers perform poorly compared to the index is that not a single brokerage shows you your stock portfolio XIRR or annual returns. Think about that!<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table class=\"mcnImageBlock\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody class=\"mcnImageBlockOuter\">\n<tr>\n<td class=\"mcnImageBlockInner\" valign=\"top\">\n<table class=\"mcnImageContentContainer\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td class=\"mcnImageContent\" valign=\"top\"><a class=\"\" title=\"\" href=\"https:\/\/kuvera.in\/explore\/insure\/health\" target=\"_blank\" rel=\"noopener\"><img class=\"mcnImage\" src=\"https:\/\/mcusercontent.com\/9460ade7a36b92bd9a14f2bfd\/images\/09540ce1-5839-4a18-884a-c3ff151122ad.png\" alt=\"\" width=\"564\" align=\"center\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table class=\"mcnTextBlock\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody class=\"mcnTextBlockOuter\">\n<tr>\n<td class=\"mcnTextBlockInner\" valign=\"top\">\n<table class=\"mcnTextContentContainer\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td class=\"mcnTextContent\" valign=\"top\">Two more things before we close.&nbsp;<\/p>\n<p>New research at Kansas State University shows watching financial media increases stress, regardless of whether the market is up or down. 67% of people watching financial news showed increased levels of stress. Even when the financial news was positive, 75% exhibited signs of increased stress. The hypothesis being positive financial news may trigger &#8220;regret&#8221; and then lead to FOMO.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table class=\"mcnCaptionBlock\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody class=\"mcnCaptionBlockOuter\">\n<tr>\n<td class=\"mcnCaptionBlockInner\" valign=\"top\">\n<table class=\"mcnCaptionBottomContent\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td class=\"mcnCaptionBottomImageContent\" align=\"center\" valign=\"top\"><img class=\"mcnImage\" src=\"https:\/\/mcusercontent.com\/9460ade7a36b92bd9a14f2bfd\/images\/ff346214-d086-4964-b123-67f8316202f3.png\" alt=\"\" width=\"564\" \/><\/td>\n<\/tr>\n<tr>\n<td class=\"mcnTextContent\" valign=\"top\" width=\"564\">&nbsp;<\/p>\n<p>Active funds are supposed to outshine during times of volatility. A new study from the University of Chicago Booth School of Business shows that&#8217;s not what happened during COVID-19. As the chart above shows, the average active fund underperformed its benchmark by 1.5% during that time period.<\/p>\n<p>&nbsp;<\/p>\n<p>It states, &#8220;<em>Pastor and Vorsatz analyzed daily returns from 3,626 equity funds between February 20 and April 30\u2014a tumultuous 10 weeks when the S&amp;P 500 index collapsed by a third before gaining nearly all of it back. The researchers find that net of management fees, a large majority of actively managed funds lagged behind their respective benchmark indexes.&#8221;<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>And if you don&#8217;t know, &#8230;.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>Happy investing,<br \/>\nGaurav<br \/>\nCEO | kuvera.in |\u00a0<a href=\"https:\/\/twitter.com\/rustapharian\" target=\"_blank\" rel=\"noopener noreferrer\">@rustapharian<\/a><\/p>\n<p><strong>Love our blog? Share it with friends (sample <a href=\"https:\/\/ctt.ac\/fRi5s\" target=\"_blank\" rel=\"noopener noreferrer\">tweet<\/a> | <a href=\"https:\/\/api.whatsapp.com\/send\/?phone&amp;text=Highly%20recommend%20the%20weekly%20wealth%20newsletter%20from%20kuvera.in%20%20Signup%20here:%20https:\/\/kuvera.in\/?p=finance-insights\">WhatsApp<\/a>)<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<table class=\"mcnCaptionBottomContent\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td class=\"mcnCaptionBottomImageContent\" align=\"center\" valign=\"top\"><img class=\"mcnImage\" src=\"https:\/\/mcusercontent.com\/9460ade7a36b92bd9a14f2bfd\/images\/cd4cdda0-9ad1-48e1-9be7-897d653b7a1f.png\" alt=\"\" width=\"564\" \/><\/td>\n<\/tr>\n<tr>\n<td class=\"mcnTextContent\" valign=\"top\" width=\"564\">\n<h4><span class=\"ez-toc-section\" id=\"Feature_Showcase_Tax_Harvesting\"><\/span>Feature Showcase: Tax Harvesting<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><a href=\"https:\/\/blog.kuvera.in\/save-up-to-%e2%82%b910000-in-ltcg-taxes-with-tax-harvesting\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Tax Harvesting<\/strong><\/a> is a technique that utilises the \u20b91 Lakh annual LTCG exemption by selling and buying back part of your investment such that you \u201crealise\u201d gains and not pay taxes on them.\u00a0At a 10% LTCG tax rate, you could save up to Rs 10,000 in LTCG taxes every year by doing this diligently.<\/p>\n<p>&nbsp;<\/p>\n<p>Do not wait for February \/ March of FY21 to harvest taxes. Do it as early in the financial year as possible &#8211; as happened in FY20 you may not have gains later to harvest!<\/p>\n<p>&nbsp;<\/p>\n<p>Like all our features, Tax Harvesting optimizes on your entire portfolio &#8211; bought on Kuvera or <a href=\"https:\/\/blog.kuvera.in\/automatic-tracking-of-your-external-transactions\/\" target=\"_blank\" rel=\"noopener noreferrer\">imported<\/a> from elsewhere.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><a href=\"https:\/\/kuvera.in\/feature\/tax-harvesting\" target=\"_blank\" rel=\"noopener noreferrer\">Start harvesting<\/a>\u00a0today.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<h4><\/h4>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p><iframe loading=\"lazy\" title=\"Kuvera Insights\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmCysU31bg4Ngh7WY2p3UiiI\" width=\"640\" height=\"360\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> \u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You know very well Who you are Don&#8217;t let &#8217;em hold you down And if you don&#8217;t know, now you know : The Notorious B.I.G, Juicy &nbsp; This one is going to be a short note and we will revisit one of the most frequently asked questions of us &#8211; should one buy direct equity [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/if-you-dont-know\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":7799,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[173],"tags":[509,508,67,506,507,388,510],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>If you don&#039;t know, now you know! - Kuvera - Kuvera.in<\/title>\n<meta name=\"description\" content=\"How easy is it to select a winning stock or a portfolio of winning stocks? We share some data from the US. If you don&#039;t know...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/if-you-dont-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"If you don&#039;t know, now you know! - Kuvera - Kuvera.in\" \/>\n<meta property=\"og:description\" content=\"How easy is it to select a winning stock or a portfolio of winning stocks? We share some data from the US. If you don&#039;t know...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kuvera.in\/blog\/if-you-dont-know\/\" \/>\n<meta property=\"og:site_name\" content=\"Kuvera\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kuvera.in\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-12T01:03:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-15T11:59:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2021\/05\/Capture.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1099\" \/>\n\t<meta property=\"og:image:height\" content=\"614\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Gaurav Rastogi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:site\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gaurav Rastogi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"If you don't know, now you know! - Kuvera - Kuvera.in","description":"How easy is it to select a winning stock or a portfolio of winning stocks? 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