Personally I like to invest in lumpsum for ELSS because I can redeem the whole amount after locking period and reinvest the same in ELSS if required in this way after 3 or 4 years of investment I can roll the a fixed amount again and again with tax benefit.
If you redeem after lock in period you will be paying the expense ratio charges and again reinvesting will reduce the compounding effect.. Instead just leave it in elss until you need it
Your efforts are always on an emerging curve. Thank you for these details on ELSS. Can we expect a video on various options to open an ELSS account. I know there are multiple other videos on this topic. But your way of sharing these details are helpful.
Sir, what is the expense taken by the mutual fund company? How much money they charge as administrative expense during the first three years? What will be the actual value of my investment for that year that is being invested in the market?
Expense Ratio is fixed when the date of investment is done or will it change as per date of deduction or withdrawal after 3 years? Can anyone clarify me..
Bro elss fund la lockin period 3 years soningalea apo inda fund la lumpsum Dhani pudea mudiyuma bro Sip kuda podalam na namba kuripetea amount varaikum pututhu aparam 3 years hold pananum ma I mean apparam amount pudama 3 years ku grow aga vdanuma
After locking periode when we can withdraw? If i hold more than one year after locking period which market value will consider? Present or after locking period market value
Thanks for ur info. In SIP If I start Jan 2022, I can close and take the amount on Dec 2025 or I need to wait till 2028 to take the amount paid on Dec 2025
Dear sir, i am viewing all your vlogs regarding mutual funds. Inspite of many clarification told by you also, i am unaware of how to invest. Kindly guide me because not to have loss on my side. 1. I like to invest rs.10k per month on SIP. Which fund will be benefit for me, that should be tax free, high returns amd also for longer period of investment. 2. For lumpsum amount say 25lcs means, which will be better. 3. I want to invest in direct means how to approach and where to go so expense ratio will be low compared to regular. Kindly help me sir. Though its hard earned money.
if I choose SIP for ELSS for 3 years lock in period and each month 1k,as all installments I paid will mature only after 3 years, how does the maturity amount works here? At the end of 3 years what amount I can get?
Sir, this is new for me, i don't have any knowledge about mutual funds...sir i have one doubt, if i choose to invest in mutual funds do sip, will I get back the principal amount i invested? My salary is coming under tax slab so that's why I am planning to invest.
Sir. Ipo nama normal index funds or mutual fund la profit la 10 percent katra mari... Nama profit evlo irnthalum athula 1.5 lak matum tha tax reduction aguma?
Sir In your table, Investment date not mentioned whether it is on launch date or afterwards, after what period this profit had come. Also for comparison sake if this amount is invested in FD on the same date, for same period what is interest accused. There is a lack of clarity. If I am wrong correct me.
Thanks for reply. May be you can put a video on LIC IPO, whether rates are okay, how many minimum and maximum a person can apply, will they get allotment for all requested qty, how customer LIC value policy holding vs IPO allotment, or can we wait for open market bidding after some time, retention period, exit period and load, how easy to sell in market. Covering above a video will help
Am investing in quant tax fund but that is direct fund there Expense ration is less than 1 percent... Both are same I think... Why should we go for regualrfund any big difference?
I have missed SIP for this year,. We are almost at end of december. So im planning to invest lumpsum for the financial year. I was planning to go with quant tax plan. But as per today NAV is 256.25.we are only left with 3 months. What would be best time period to invest and should I change to any other plan to maximize the return
If i invest through SIP mode, each year i am investing thro sip, i can show in tax saving right? But lump sum investment means only once in tax saving for that year right?
@@nivasexcites no sir I am asking if we closed the entire amount after the completion of lockin period....whether we need to pay tax on the maturity amount on elss mutual fund???? That's my doubt
Sir, everyone saying dnt invest in regular plan..only direct plan is good nu solranga... but ur suggestions all regular plan ahh iruku.. kindly clarify
Sir you can invest in direct, If you can manage your portfolio on your own. not only logic but also emotions during recession. Many direct investors redeemed during march 2020 due to fear. But investors who invested through advisors didn't withdraw. Thats why I suggest to invest through an advisor in MF.
Dear sir, currently I have been doing sip for 10k but it's not invested in elss fund. I have a monthly salary of 40k. What should I do sir. Please suggest 🙏
Hi bro, am planning to invest in ELSS tax savings however I bit confused were I can invest. My friend is using groww shall I use that app to invest in ELSS? Is that safe?
Hi Sir I have a doubt, I already have 40k pf from my employer, so I can only invest remaining 110k under 80c is that correct or can I invest complete 150k? Further I believe investing in ELSS in lumpsum is better correct Sir?
1.1Lakh is enough under ELSS. Sip is convenient for many people. In longterm Sip and lumpsum doest make a differrence. At current situation you can do Lumpsum
Hi sir, na ippo post office la PPF la 1.5Lk per year ku pottu Mutual fund ELSS laum 1.5Lk per year ku potta total 3Lk per year la varum ippo enakku tax save aguma illa 1.5Lk ku tax pay Pandra mathiri varuma because same PAN CARD tha na use pandrom pls solluga 🙏 na intha month PPF account open pannalamnu irukke
Personally I like to invest in lumpsum for ELSS because I can redeem the whole amount after locking period and reinvest the same in ELSS if required in this way after 3 or 4 years of investment I can roll the a fixed amount again and again with tax benefit.
Good idea 💡
If you redeem after lock in period you will be paying the expense ratio charges and again reinvesting will reduce the compounding effect..
Instead just leave it in elss until you need it
Rolling the same amount again and again is a fool idea 😂..
It's a smart way to save Tax. You can invest the regular Money in other funds without lockin
@doctor next expense ratio is adjusted every month. Not during redemption. By doing this, you can save 10000 tax every year.
Your efforts are always on an emerging curve. Thank you for these details on ELSS.
Can we expect a video on various options to open an ELSS account. I know there are multiple other videos on this topic. But your way of sharing these details are helpful.
Pls WhatsApp your details, we can help you. Or click the link in description. You can create the link and invest on your own.
Wonderful explanation sir.It is very useful for salaried employees..
Thank you
Please make a video for mutual fund nri reportable income Tax return .2023
Very interesting and important information. Thank you Sir.
Thank you Sukumar
Very useful information sir I have doubts on absolute return Vs annualised return.. Can u pls post video on vpf
Sure i wil post.
Sir very useful information Thanks
Most welcome Anandan
Very detailed video ; Thanks
Thank you so much Nagasubramanian
Sir please make a video for LIC Nivesh Plus
Most preferred investment is ETF like NIFTYBEES and gold ETF not go for mutual fund
Do you get tax benefit for ETF?
@@nivasexcites no but my preference is ETF MF have take lots of indirect money from our pocket
Sir pl improve the audio quality of your channel.
Sir, what is the expense taken by the mutual fund company? How much money they charge as administrative expense during the first three years? What will be the actual value of my investment for that year that is being invested in the market?
It depends upon the fund you choose 1.5% to 2.25% charges per annum on market value. That will be adjusted monthly.
Hi, Thank you. What is professional tax. Some company detecting in salary. Some company not detecting. What reason.
It's a corporation tax payable to local town
Expense Ratio is fixed when the date of investment is done or will it change as per date of deduction or withdrawal after 3 years? Can anyone clarify me..
Expense ratio is an ongoing process. It will reduce when the AUM of the fund increases
Bro elss fund la lockin period 3 years soningalea apo inda fund la lumpsum Dhani pudea mudiyuma bro Sip kuda podalam na namba kuripetea amount varaikum pututhu aparam 3 years hold pananum ma I mean apparam amount pudama 3 years ku grow aga vdanuma
After locking periode when we can withdraw? If i hold more than one year after locking period which market value will consider? Present or after locking period market value
Current date market value
Thanks for ur info. In SIP If I start Jan 2022, I can close and take the amount on Dec 2025 or I need to wait till 2028 to take the amount paid on Dec 2025
Keep it simple. Whatever you pay in Jan 2022 to dec 2022, you can withdraw in Dec 2025.
@@nivasexcites Thanks for your clarification
Details are too good
Thank you Suresh
lumpsum of 1 lakh for 20 years gives around 38 to 43 lakhs ?
Yes
Dear sir, i am viewing all your vlogs regarding mutual funds. Inspite of many clarification told by you also, i am unaware of how to invest. Kindly guide me because not to have loss on my side.
1. I like to invest rs.10k per month on SIP. Which fund will be benefit for me, that should be tax free, high returns amd also for longer period of investment.
2. For lumpsum amount say 25lcs means, which will be better.
3. I want to invest in direct means how to approach and where to go so expense ratio will be low compared to regular. Kindly help me sir. Though its hard earned money.
Whatsapp to 9994266772
Thanks Sir. Useful info
Welcome
if I choose SIP for ELSS for 3 years lock in period and each month 1k,as all installments I paid will mature only after 3 years, how does the maturity amount works here? At the end of 3 years what amount I can get?
Every installment you pay is locked for next 36months.. say if you paid for 10years, you can withdraw upto 7yrs paid with growth.
Sir, this is new for me, i don't have any knowledge about mutual funds...sir i have one doubt, if i choose to invest in mutual funds do sip, will I get back the principal amount i invested? My salary is coming under tax slab so that's why I am planning to invest.
WhatsApp to 9994266772
Sir. Ipo nama normal index funds or mutual fund la profit la 10 percent katra mari... Nama profit evlo irnthalum athula 1.5 lak matum tha tax reduction aguma?
Why the largest company still selling their shares like mrf tcs itc they have huge money in their annual income then why they r selling?
Sir Lic is a government organization. Govt needs money to fund infrastructure and other reforms. So they are selling 3.5% of lic to public.
How to choose ells mutual fund...in which fund i should invest?
Hi Niwas, We have your number, we will get back to personally.
Hi sir, i want to start invest SIP for tax saving so, i am new in this. So, can i start to invest with 1 year? Per month 1500
Yes you can. Whatsapp to 9994266772
Sir In your table, Investment date not mentioned whether it is on launch date or afterwards, after what period this profit had come. Also for comparison sake if this amount is invested in FD on the same date, for same period what is interest accused. There is a lack of clarity. If I am wrong correct me.
End date I have mentioned. Start date is exactly 5yrs, 10yrs, 15yrs and 20yrs before end date.
Thanks for reply. May be you can put a video on LIC IPO, whether rates are okay, how many minimum and maximum a person can apply, will they get allotment for all requested qty, how customer LIC value policy holding vs IPO allotment, or can we wait for open market bidding after some time, retention period, exit period and load, how easy to sell in market. Covering above a video will help
Am investing in quant tax fund but that is direct fund there Expense ration is less than 1 percent... Both are same I think... Why should we go for regualrfund any big difference?
If you can manage on your own, you can invest in direct. People who need support of an advisor can invest in regular.
AXIS LTEF is not performing well after the issue in AXIS.. Can you please tell if I should exit or continue the SIP
Don't do that.. pls continue.. scan has nothing to do with this fund. Overall market has corrected.
@@nivasexcites thank you sir
What is meant by absolute return and annualised return
Absolute is returns without considering the no of days or years. Annualized returns is the correct measure.
I have missed SIP for this year,. We are almost at end of december. So im planning to invest lumpsum for the financial year. I was planning to go with quant tax plan. But as per today NAV is 256.25.we are only left with 3 months. What would be best time period to invest and should I change to any other plan to maximize the return
Invest LUMPSUM this month itself.
@@nivasexcites should I change my thought to any other mutual fund with less NaV to consider in terms of maxmized returns
@@prabhas8554 not required. Pls start in quant fund. Aum is only 2300 crores
Sir, canara robecco emerging equities and flexi cap fund both are ELSS? Please guide me
No. Canara robeco equity tax saver is ELSS
Sir how to invest in less by online or any person
Absl tax relief fund பத்தி சொல்லுங்க bro
It's performing well only. If you have invested, pls continue. But if you are looking for fresh Sip or lumpsum, invest in Quant or canara
Hi sir, i have one doubt. How to reach out to you?
WhatsApp to 9363254007
Hi, ELSS & Index Fund rendum onna? Ithuku use panra terms athukum solranga?
No both are different. You don't get tax benefit for index fund.
Good information 👍
Thank you so much
Sir which is best elss investing or normal equity ah sir
For FD ad RD having tax while closing
Yes
Sbi la long term equity fund start panalama sir..Bank la poi start panalama. Regular plan a direct plan la .Guide panunga sir
Whatsapp your details to 9994266772
Good information
Thank you sir
If i invest through SIP mode, each year i am investing thro sip, i can show in tax saving right? But lump sum investment means only once in tax saving for that year right?
Yes
One doubt....if we withdraw the entire amount of the lockin period....whether we need to pay tax??? If anyone knows let me know
You can't withdraw before lockin
@@nivasexcites no sir I am asking if we closed the entire amount after the completion of lockin period....whether we need to pay tax on the maturity amount on elss mutual fund???? That's my doubt
If the profit is lessthan 1Lakh, no tax
If the profit is 1.5Lakhs. For the profit above 1LAKH, tax is 10%. So 5000 is the tax for a profit of 1.5Lakhs
Sir, everyone saying dnt invest in regular plan..only direct plan is good nu solranga... but ur suggestions all regular plan ahh iruku.. kindly clarify
Sir you can invest in direct, If you can manage your portfolio on your own. not only logic but also emotions during recession. Many direct investors redeemed during march 2020 due to fear. But investors who invested through advisors didn't withdraw. Thats why I suggest to invest through an advisor in MF.
@@nivasexcites ok, thanks ur response and clarification sir
Dear sir, currently I have been doing sip for 10k but it's not invested in elss fund. I have a monthly salary of 40k. What should I do sir. Please suggest 🙏
Elss not required for your income
@@nivasexcites thank you sir
3 years lock in period na 3 years mudinjathum aprm automatically account ku amount transfer agidum ah????
We have to redeem.. or it will keep growing. Pls withdraw after 5years for good growth
Hi, sir I am new to ELSS. Please suggest in which ELSS I can invest. Planning to invest 5000 to 7000 per month for 5-7 years.
My suggestions are there in this video end itself
@@nivasexcites
Is quant tax plan is safe to invest for long term.
@@vijaysampath6774 yes
If i withdraw my PF amount every year and invest in Elss, will the PF deduction on 1.5lk be removed or still be considered?
After 5years in PF, you can do that.
Hi bro, am planning to invest in ELSS tax savings however I bit confused were I can invest. My friend is using groww shall I use that app to invest in ELSS? Is that safe?
Yes it is safe. But if you have knowledge invest directly. Otherwise invest through mutual fund distributor or Sebi registered advisor.
@@nivasexcites shall I do investment in any banking sectors like SBI, kotak etc...
@@srisridaran05 pls WhatsApp to 9994266772. Our team will guide you
Most of them prefering axis long term equity fund over quant active fund?
Axis LTEF has a good track record. But recently not doing well
@@nivasexcites quant active fund nav is too costly is one reason they are telling who r preferred altef. Is it acceptable reason?
@@jayasankarsivasivalingam7453 quant active fund is a good fund. Nav doesn't matter. But it is not a ELSS fund. Quant tax plan is the Tax saver fund.
Is quant tax plan an ELSS? Can we claim quant plan under section 80C? Please correct me if I'm wrong
Yes
Hi Sir, nan home loan pottu iruken already, so again ELSS podurathu benefit ah illa other mutual funds la invest pannalama?
If 1.5Lakhs is crossed in 80c, ELSS not required
I have a doubt sir can I pause the investment in between for a month or two also any chance to withdraw below 3 years
You can pause. But you can't redeem within 3yrs
Can I switch over or hold on elss fund with in locked period?
You cam switch or redeem in locking period
Ipo arambicha 5 years apuram than eduka mudiyuma sir..lumpsum 1 lakh podalam. Na senior citizen sir..
Minimum 3years lock in
Thanks
Nandri velmurugan
There is no details about Mirae asset tax saver fund in after 10,15... Years investment...
Mirae tax saver is not 10years old. Launched in 2015 only.
@@nivasexcites thanks for your details Sir...
@@seenivasanveerasamy2442 most welcome sir
Hi Sir I have a doubt, I already have 40k pf from my employer, so I can only invest remaining 110k under 80c is that correct or can I invest complete 150k? Further I believe investing in ELSS in lumpsum is better correct Sir?
1.1Lakh is enough under ELSS. Sip is convenient for many people. In longterm Sip and lumpsum doest make a differrence. At current situation you can do Lumpsum
Hi sir, na ippo post office la PPF la 1.5Lk per year ku pottu Mutual fund ELSS laum 1.5Lk per year ku potta total 3Lk per year la varum ippo enakku tax save aguma illa 1.5Lk ku tax pay Pandra mathiri varuma because same PAN CARD tha na use pandrom pls solluga 🙏 na intha month PPF account open pannalamnu irukke
Maximum limit in 80c is 1.5Lakhs only
@@nivasexcites Tq🙏
Sir ethula risk athikama
It's a calculated risk. So nothing to worry. Mostly invested in large cap companies
சார் 5 லக்ஸ் இன்வெஸ் பன்னா 5 வருடத்தில் எவ்ளோ ரிட்டன் கிடைக்கும்
Sir mutual funds la 5 lakhs invest panna 5 year's la evlo amount kidaikkum
Whatsapp to 9994266772
Im investing Lumpsum of 1 L and going to save 30 k in 2022 this year, shall i save tax in 2023 and 2024 as well with this 1L as it is locked in?
per year 7lakhs varaikum no tax bro
Hi sir..what about parag Parikh tax saver fund
It's a Good fund. But not in Top 5.
Suggest few platforms for MF investment
Zerodha coin
@@nivasexcites Thanks for quick response
Hi sir...I need to meet you once..could you please help
I'm from Coimbatore.
Ok thank you sir..I am working in chennai..can we connect through whatsapp
Yes sir ..I too need to speak over voice call in order to clear my doubts..Can u pls share us the contact
@@krishnaprakash1928 WhatsApp number available in video
இந்த Screenshot. அப்லோட் பண்ணு தம்பி
சும்மா சும்மா வீடியோ பார்த்து எடுக்க முடியாது
Short time proid
Minimum 3years
@@nivasexcites sir, can we extend.?
@@Kud869 you should. Dont withdraw before 5years
Hi.. can u give some reliable financial advisors contact
I'm a mutual fund distributor. I can guide you on right funds for your lifestage goals
@@nivasexcites can you please share your contsct details sir
Well explained bro.. is there a way to contact you for further information and investment
WhatsApp to 9994266772
Which.is.best.mutual.fund.sir
Best fund details I have given in the video itself
How to contact you
Whatsapp to 9994266772
Good information
Thank you doctor
Hi sir iam new to ELSS . Please suggest in which ELSS i can invest. Planning to invest 5000 to 7000 per month
Look at quant and Canara