PPF gives you 7.1. if you are in 30% bracket, as you don't have to pay any taxes on the cains, your effective return is 7.1*1.3 = 9.23. If the mutual funds, if you get nominal 12% (Not considering 13 because 1%, AMCs will charge you). After LTCG, your return would be around 10%. How big of a difference is that?? For that 1%, you have to withstand that huge ammount of volatility. You actually need to have both. Do not need to rely only on either of them.
Diversification is important
I have both ppf and mutual fund
Last year got 1.5 lakhs tax free intrest..now nex 1.5 will get in 2 april😊 with peace of mind
Past 15 years need not be same as next 15 years, with climate catastrophe and all.
Past 15 years hi Nahi tho Last 30 years bhi Return Same hi the...
I am bullish in india's growth ....
Ppf bhi kabhi, 12 deta tha.. Aaj 7 de rha hai.. May be aage 6 bhi aa jaye..
Long Term ke liye Mutual Fund hi Best hai...
Future me Inflation ko beat karna hai tho Mutual hi Sahi Hai.
Half knowledge is dangerous
Tera se jada knowledge hai jo bol raha hai
What about taxes on interest?
Agar 7.2 % ppf me hai bina tax ke 12 % hai mf me with ltcg and expense ratio for 15 years which one will give good return and peace of mind
Can I put my 15 laks in mis post office sheme
Yes... But in a joint account...
Yes. Post office scheme safest
if u really want to invest 15lakhs then go for SWP....it's way better than MIS
Tax 0 h bhai
Wo toh bako
Exactly ... These so called fin influencers
Bola toh behra hai kya?
Behra bhi hai aur andha bhi 😂@@lostsoul4317
you are getting extra 5-7% return with compounding
PPF is 100% tax free,, while mutual fund is taxable,,
But zero tax hai boss
PPF gives you 7.1. if you are in 30% bracket, as you don't have to pay any taxes on the cains, your effective return is 7.1*1.3 = 9.23.
If the mutual funds, if you get nominal 12% (Not considering 13 because 1%, AMCs will charge you). After LTCG, your return would be around 10%.
How big of a difference is that?? For that 1%, you have to withstand that huge ammount of volatility.
You actually need to have both. Do not need to rely only on either of them.
Aise calculate nhi hota taxes mutual fund per gadhe or 12 nhi h 15 % average return h nifty ka
Or yh 1.3% extra kis chiz ka jodha h normal ppf 7.1 hi deta h or average mutual fund 12 se 15% kbhi 16% bhi deta h
If you are in 30% bucket, putting 1.5L in ppf is a nothing amount LOL.
@@yashhemrajani5608 nhi bhai.. nse site pe returns search karo realistic values k liye. And thora sa basic math thik karo aapna