Richard Johnston’s Post

Are my returns affected if many people redeem their money from the mutual fund? Or are the NAV and units allocated correctly, leaving my returns intact? This is a great question. To give context: When many people buy shares, the share price can rise. When many people sell shares, the share price can fall. Supply and Demand. Does that affect mutual funds too? That’s what this question is asking. The answer: In the case of mutual funds, it usually does not affect returns. Fund managers maintain a small amount of cash. Some investors are paid from this cash portion whenever they want to withdraw. So, mutual fund returns do not fall when other investors withdraw their money from the fund. In rare cases (for example, during the pandemic crash in 2020), too many investors may try to withdraw their money. Fund managers must start selling shares or assets to meet the withdrawals in such cases. This can cause share prices to fall, and mutual fund returns may also decrease. However, there’s a larger issue at play. In such situations, the share price is already falling due to other reasons, not solely because of the selling by fund managers. So, it is hard to attribute the return decline solely to mutual fund investors withdrawing their investments. I made a short video on how to deal with this sort of tricky situation. This small piece of information is helpful for everyone, especially novices in investments. If you Guyz/Galz want to add something, please do so without hesitation in the comments below. . #fundkafunda #mutualfunds #sochasamjharisk #twitters #linkedin

Do you ever feel like your finances are running you instead of the other way around? 😰 Are you worried about entering 2025 without a solid plan, unsure how to manage debt, save for your goals, or build wealth? You’re not alone—and I’ve got something that can change everything for you🙌 This Black Friday, I’m offering an exclusive deal on the 2025 Master Your Money Jumpstart Accelerator! Designed to help you take control of your finances, eliminate stress, and create a clear, actionable plan for the new year. Imagine stepping into 2025 feeling: ✨ Confident in your financial decisions ✨ Secure with a strategy that works for you ✨ Motivated to crush your goals This accelerator gives you everything you need to make it happen: ✅ Master Your Money Course: A step-by-step roadmap to financial mastery ($1997 value). ✅ Bonuses worth $508, including: -A custom Planner -3 months of Budget App access -My inspirational book, "You Be the Bank" -2 Live Q&A sessions with me to answer your personal finance questions 💥 Total value: $2505 💥 YOUR price: Only $999 (That’s 60% OFF!). Click this link to learn more: https://bit.ly/4g8HLD3 This isn’t just about saving money—it’s about investing in yourself and creating the financial freedom and peace of mind you deserve🙌💸 #BlackFriday #FinancialFreedom #MoneyGoals #WealthBuilding #FinancialPlanning #Start2025Strong

As the festivities wrap up, it’s time to reflect on the financial lessons learned. 💰✨ Warren Buffett wisely reminds us, “The more you learn, the more you earn.” Let’s turn our festive spending into valuable insights, making each celebration a chance to grow financially wiser. . . #WealthyWisdom #FinancialWisdom #FestiveRecovery #LearningAndEarning #NuvamaWealth

Do not have time to follow Stock Market everyday? Watch this YouTube video where we cover this week's market developments, global market triggers, brokerage ratings, and IPO listings. https://linktw.in/DIDtIk #news #nifty50 #midcap #smallcap #financeweekly #MarketUpdates #IPOs #ShareMarket

Attending Money 20/20? On Tuesday October 29 I’ll be on the Converge Stage at 10:05 AM to discuss the “Blame Game: Impact of Diffusion of Responsibility in Payments Systems”. For too long, a diffusion of responsibility mindset has plagued the card ecosystem, where many different players rely on each other to handle critical tasks like card authorization. When no one party feels fully responsible, problems are left unresolved and the whole ecosystem suffers. In this case merchants are especially negatively impacted – if their customers' transactions are declined due to poor coordination between players in the payment system, they lose out on sales, resulting in millions of dollars in missed revenue. This isn’t something one player can solve alone - it requires every stakeholder in the card ecosystem to step up and take responsibility. I’m excited to be joined on stage by Unit21’s Ian Macallister, Ansa’s Sophia Goldberg, and GTM Guild's Lauren Crossett Crossett as we dive into this challenge and work together to find actionable solutions. http://bit.ly/3MIdFtu Join me for the panel, and reach out if you’d like to connect during the conference!

'Tis the season of giving and festivities, but let's not forget the importance of financial well-being 🎄 December tends to be the month where our bank accounts get a workout, but it is important to remember that being mindful of your spending doesn't make you a Scrooge 😓 Here are 5 tips to help balance financial joy and budgets during this festive period ✅ #festiveseason

This year, take a few days to pause and celebrate another successful year! As 2025 approaches, there are plenty of reasons to be optimistic but no matter what, the Bull and his partners stand ready to adjust and adapt. Thank you for your support and all our best to you and yours! #stocks #stockmarket #stockmarketupdate #stockmarketnews #finance #financeandeconomy #financialnews #financialadvisor #financialadviser #investing #investments #investmentnews #investmentadvisor #wealthmanagement #wealthadvisor #wealthnews #lonelybull

Sentiment is turning more bearish, which is what the markets needed, and a lot of the exuberance is reversing. Catch Lance Roberts' latest feature, #BeforeTheBell, on our YouTube channel: https://lnkd.in/gFKXEctY #MarketExuberance #InvestorSentiment #InvestingAdvice