₹70 Multibagger Copper Stock Real Story ఇది! Marwadis వాడే Best Tax Saving Technique| SIF Investment

TLDR;

This YouTube video by Money Purse { మనీ పర్స్ } covers a range of investment-related questions from viewers. It starts with a cautionary tale about a copper stock and moves on to discuss promoter stakes, hospital stocks, SIP investments, post-retirement portfolio planning, defence funds, tax-saving strategies, and unlisted stocks. The video emphasises the importance of due diligence, understanding risk profiles, and avoiding FOMO (Fear Of Missing Out) while making investment decisions.

• Cautionary tale of Madhav Copper Limited and promoter's GST scam.
• Discussion on IML India Motor Parts & Accessories Ltd and promoter stake increase.
• Analysis of Star Imaging and Path Labs and Healthcare Global stocks.
• Advice on SIPs, post-retirement portfolio, HDFC Defence Mutual Fund, tax planning, and unlisted stocks.

₹70 Multibagger Copper Stock: The Real Story! [0:07]

The video starts with a question about Madhav Copper Limited, a stock that has doubled in the last month due to the copper rally. However, before discussing the company, the speaker shares a story about the company's promoter, Nilesh Patel, who is involved in a ₹762 crore GST scam through 30 shell companies. After the GST department raided his premises, Nilesh Patel absconded and was later arrested after a chase involving GST officers. The speaker cautions viewers against investing in companies solely based on themes (like copper or defence) without doing proper research on the company's management and background. He highlights that many investors chase stocks based on FOMO, which can lead to losses. The speaker also mentions that the number of shareholders in this company has increased significantly, indicating that people are chasing the stock without proper due diligence.

Promoter stake is increasing in this stock. [4:46]

A viewer asks about IML India Motor Parts & Accessories Limited, noting that the promoter stake recently increased from 33% to 34%, which seems like a positive sign. The company has an established distribution network and valuable assets. The speaker acknowledges that it's a good, undiscovered company, but not necessarily a good investment choice. IML is an auto ancillary business and a group company of Sundaram Finance. The company's market cap is ₹1300 crores, but its investment book includes 28 lakh shares in Sundaram Finance, worth approximately ₹1400 crores. They also have stakes in Wheels India and Royal Sundaram (an unlisted company). The company invests its cash in FMPs and index funds, with a value of approximately ₹160 crores. The speaker notes that the stock seems to be trading at a deep discount, but this has been the case for many years.

Cheap Hospital Stocks [11:22]

A viewer asks about Star Imaging and Path Labs and Healthcare Global, finding their P/E ratios attractive. The speaker says Healthcare Global is a specialty-focused hospital chain, focusing on oncology and infertility. These areas are profitable for hospitals. Healthcare Global trades at 23 times EV/EBITDA, which is reasonable compared to other hospital chains. The speaker also mentions Rainbow Hospital chain, which focuses on pediatric treatments and infertility. Rainbow Hospitals also trades at 23 times EV/EBITDA. Regarding Star Imaging and Path Labs, the speaker mentions it is a smaller company, and it is risky to invest based on screener data alone. Meeting the promoters would be better. Larger diagnostic chains are trading at reasonable valuations, which might be a better option.

Is it right time to invest in SIFs? [14:51]

A viewer asks for recommendations for the best SIFs (Small and Medium Enterprises Investment Funds) for long-term growth. The speaker advises against rushing into SIF investments, as not all fund managers in India have expertise in managing SIF strategies. He suggests waiting for a year or two to observe the performance and volatility of these funds. This will allow investors to make informed decisions based on which fund management companies are managing the funds efficiently. The speaker advises viewers not to get caught up in FOMO and to wait until they fully understand the product before investing their hard-earned money.

Post-Retirement Portfolio planning [16:37]

A viewer asks for advice on investing ₹50 lakhs for their 57-year-old mother, who has ₹30 lakhs in health insurance coverage. They plan to invest in mutual funds with a 10-year horizon to support her future living expenses, which are currently ₹30,000 per month and expected to increase to ₹40,000 in three years. The viewer suggests a portfolio with 50% in Nifty 50 Index Fund, 30% in Kotak Emerging Equity Fund (Midcap), and 20% in SBI Small Cap Fund. The speaker says this portfolio is too risky for a post-retirement investment. Instead, he recommends investing in aggressive hybrid or balanced advantage categories. With an 8% withdrawal rate, the corpus should last until she is 85 years old. If withdrawals increase by 6% every year due to inflation, the corpus will last until she is 75 years old.

SundayFunday [19:48]

The speaker recommends the movie "Home Alone," which is available on low-cost streaming platforms. He acknowledges that it's a slow-paced movie but still a good watch.

Invest in HDFC Defence Fund? [20:10]

A viewer asks whether they should invest in the HDFC Defence Mutual Fund through SIP. The speaker advises checking if the fund aligns with their risk appetite and tolerance for volatility. If it does, the defence theme presents an opportunity. He personally is bullish on the defence theme. For those who cannot identify and invest in individual stocks, a fund is the best option.

Tax Saving Master plan [20:50]

A viewer asks about using HUF (Hindu Undivided Family) or a partnership firm for tax benefits, as they and their wife both fall under the 30% tax bracket. Their CA suggested creating a partnership firm instead of an HUF due to the legal complexities of maintaining an HUF. The speaker explains that both HUFs and partnership firms are efficient tax planning tools but cannot be directly compared as they have different benefits and drawbacks. For example, ancestral property can be transferred to an HUF without incurring tax, and the income generated from it is assessed separately. Partnership firms are easier to dissolve, but profits are taxed at a flat rate of 33-34%, whereas HUFs have a slab mechanism similar to individual taxation, resulting in lower overall tax.

Buy this Unlisted Stock? [24:49]

A viewer asks about an unlisted share of a company named Polymetallic Electronics, which is involved in opto-semiconductor design and manufacturing. The company has good revenue and profit growth, and the valuation seems cheap, with a market cap of ₹3,500 crores and a P/E multiple of 10. The company plans to raise ₹10,000 crores through an IPO. The speaker says that unlisted shares are available on public platforms at ₹3,500 crore valuation. The speaker cautions against investing in unlisted shares through public platforms, as the operators of these platforms are very smart and typically sell shares at a premium compared to the IPO valuation. He advises doing thorough research to ensure that the unlisted company and the company coming up with the IPO are the same.

Invest in ₹8 Parle Stock? [27:42]

A viewer asks about Parle Industries, as its stock price is trading below its book value per share. The speaker says that if a stock is trading below its book value, it should be studied, as good companies are rarely available at such valuations. However, the question is whether the book value is real. The speaker identifies Parle Industries as an operator stock and advises viewers to stay away from such companies. He clarifies that this company has no relation to Parle Biscuits. The speaker says that if the book value is real, the company has growth potential, and the management is good, it could be a golden opportunity.