저자: InvestorBhushanGodbole · 외국인
요약 보기
신용카드는 무이자 기간을 잘 활용하면 유리하지만 할부·연체 시 이자가 높다. 카드사는 수익성이 좋고 장기 성장 여지가 있어 장기 관점의 투자 대상이 될 수 있다. 대표 사례로 SBI Cards and Payment Services를 제시하며 교육 목적의 체계적 투자 아이디어로 언급했다. 카드 이자로 주식 투자를 하는 것은 대출 금리보다 수익률 얻기 어려워 피해야 한다고 강조. 면책 고지 포함, 투자 전 위험 분석과 재무 자문 권고.
다듬은 글
Hi, this is SEBI Registered Investment Advisor, SEBI Registered Research Analyst, Professional Trader Trainer, Investor Bhushan Godbole. I welcome you all. Using a credit card is like a double-edged sword. If used correctly, it can be beneficial. However, if you take out a loan, the interest rate is high.
It's important to use it wisely. Can this credit card system be one of the best investments? If you want to know, then watch today's episode carefully. We all know that if we use a credit card, we get an interest-free period. Keeping that in mind, if we make the full payment intelligently and on time, it can be a profitable deal.
But if we make some payments before and some after the interest-free period, then the interest is higher. No, not much, but very high. This means that for those using credit cards in this way, it is proving to be a very expensive deal. Now, who is benefiting from this? The company issuing the credit card.
Now, how can we benefit from this? Now, listen carefully to what I'm about to tell you. The card issuing company is profitable, and if there's room for growth in the long term, then investing in the credit card issuing company's shares from a long-term perspective could be one of the best investments.
One of the largest credit card issuing companies in India, earning excellent returns on equity, has potential for significant growth in sales and profits in the long term. The name of that company is SBI Cards and Payment Services Ltd. So, for educational purposes, we'd like to suggest that this company's shares could be a systemic investment from a long-term perspective.
You can consider this, but we could be wrong here. Otherwise, you'll say, as I said, now there might be some learned people who might be thinking, why not withdraw the interest earned on credit cards and invest that money in the stock market or in the shares of the credit card issuing company? We have so many brilliant people, so many brilliant ideas.
Yes, it's not allowed to think like this. We've already mentioned earlier that credit card But the interest on the loan is very high. It is very difficult to earn returns by investing in the share market at a higher rate of interest than the rate at which a loan is obtained through a credit card. So, do not make such a mistake.
If you are new to the share market and want to know what the share market is and how it works, then just download Arya Money P, the link of which we are providing in the description and comment section. In this way, if you want to do successful trading or investing in the share market, then to open an account with leading brokers in India, we are providing their links in the description.
Do take advantage of it. Here we would like to give a standard disclaimer and disclosure. The shares discussed in this video or the trading strategy discussed are discussed for educational purposes. This is not a recommendation to buy or sell, otherwise you will say that I had said that I, my company, my company's board members have crores of rupees invested in gold and silver in the share market.
This is my disclaimer and disclosure, so you would invest. I would like to tell you once again that you should invest after analyzing the risk. Invest after consulting your financial advisor. If we study the investment strategy and portfolio of the greatest investor Varun Buffett, then it becomes clear that if we invest in the shares of the companies issuing credit cards with a long term perspective, then it can be the best investment.
So that's all for this episode. If you liked today's episode, then do like it. Let us know by commenting how you liked today's episode. Also, tell us by commenting on which topic you want to see videos on in the future. Share this episode as much as possible. Subscribe to our channel. Hit the bell icon so that you get timely notifications when we upload a new video.
See you in the next episode. Till the next episode, Happy Trading, Happy Investing. Thank you. Thank you. You [Appreciation]
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