Related Videos: What are Bonds (Debt)? ruclips.net/video/e5g4ZTH76FQ/видео.html Understanding Share Market: ruclips.net/video/8_uAwsJroB0/видео.html Investment Priorities for Maximum Tax Savings (USA): ruclips.net/video/nIUxfSXEdHQ/видео.html Index Fund Investing: ruclips.net/video/RnBpP-lHNgw/видео.html Early Retirement Path: ruclips.net/video/QGvV-_PRKIo/видео.html Nasdaq 100 Vs S&P 500: ruclips.net/video/FkG_l6cfwPM/видео.html
Sir , if my capital gain is one lakhs and the capital amount to gain it was 6 lakhs...I should sell the whole 7 lakhs funds and buy again right ? To save tax on that one lakhs
I had this doubt for a long time and sir you have just cleared it with ease... I am your subscriber when you had only 50 subcribers for your channel. I am motivated to invest in stocks only after i started watching your videos. Last one year I have started investing in equity and I have made good progress. Thank you so much for your tips and tricks. Looking forward for more videos.
Dear Sir, just started seeing your videos for a week. You are so practical and good in sight in to your videos. i am a investment lover so literally enjoying your videos. I live in ireland. Would like to chat with you in near future.
Thanks Vijay guru. This is so helpful. And one can challenge that you will not find a more clearer and concise content on this topic anywhere else. Every word spoken is meaningful ❤
Vijay Sir, i have never been interested in finance because i do not understand those terms and they sound alien to me. I am in a decent paying job but never bothered to suggest anything on financial terms. Thank you for your simple but great videos. I feel confident when i talk about certain topics! :)
Sir, can you explain clearly about the Nifty Index fund 1 lakh capital gain part every selling and buying after 2 days? Kindly make a separate video sir? Thanks in advance.
If we sell to realise 1 lakhs and buy after 2 days, what is the advantage? Money again reinvested and it became short term. Please help to understand insight with example. Thanks
Super Sir! I had this doubt of capital gains tax for my shares in the US for a long time. Wondering whether I need to pay taxes or not. Finally I got a clear view.
Sir ...Great video as usual but you missed a key point...if some one has no income, short term capital gain upto 2.5 lacs is not taxed...so if some one is working and their spouse or parent is not working, it is better to keep investment account in the name of the person who doesn't work ..through this way, they can save upto 37,500 (2.5l × 0.15) in tax
@@InvestmentInsightsTamil Source of income kaata venama for non working person? Because we invest our money la, wont it cause a problem? Please reply Sir
My time is good ., When the student is ready the teacher will appear. When the student is truly ready... The teacher will Disappear. Tao Te Ching Thanks RUclips for suggesting this channel videos to me.. Vijay sir you’re are a awesome teacher ..
Crisp and clear ! Only thing that missed the 10 minute window is that in US Net Capital Loss you claim max 3K and you have to carry over the rest. Another thing about Tax Loss Harvesting is to claim loss and buy in a similar fund to avoid wash sales. ETFs are better for tax purposes. Also dividend taxation needs to be covered. Hopefully you will have a follow up :)
How is the tax can be paid from other country in that way also you can put one video!! by seeing ur videos i learnt many things!! thanks to you really Hats off for your informative videos!! Other India other foreign countries also you can explain it each videos!!!
Sir .. Excellent Video with clear Examples One Doubt . In same year IF I make profit of 10 L in Short term loss in Long term 3 L Loss in F&O 1 L Can I Adjust my Loss in F&O and LTCG in STCG ?
Sir romba naala kettutu iruken... episode podratha sonnenga... Japan market bubble pathi sollunga sir... US and india ku andha maari laam vara vaaipu irukka illaya nu... 🙌
Thank you sir .. insightful video … how tax is calculated for an Indian resident investing in US market directly ..tax is calculated in india or USA .. ?
Sir. Monthly monthly SIP investment pannure. Itha 10 years continue panni athu ku apro FIRE community ku varumbothu monthly expense 1x ah withdraw pannum bothu atha epdi consider pannuvanga. Long term capital gain tax la ya Or short term capital gain tax la ya ? Because 10 year continue sip podumbothu last month la um sip panniruppe, investment start pannum bothum sip pannirupe. Naa ipo withdraw pantra amount ah ethu larunthu minus pannuvanga tax purpose ku.. ? Earliest investment la iruntha Or recent investment la iruntha.. ?
@@InvestmentInsightsTamil In your case, since you have been doing SIPs since 2012, the holding period of your units will vary, and you will need to calculate the holding period of each unit separately. If the units you are selling have been held for more than 1 year, it will be considered as long-term capital gains, and if held for less than 1 year, it will be considered as short-term capital gains. Note that if you withdraw only a part of your investment, then the units sold will be considered to have been held the longest, to minimize the tax liability. Also, if your total long-term capital gains in a financial year are below INR 1,00,000, then you may not have to pay any tax on the gains. ( Sir. I above mentioned text is provided by chatgpt. I ask this same question at it. This is the reply. It says, we hold units as per buying history and we can sell it as recent time buying units or older units ?shall we have this option. What is your opinion sir. Your comment will help me sir. This year I want to file income tax sir.
Very informative and useful video. Can you please clarify below queries: 1. We get the tax forms for Long term or Short term gains from Brokers (Eg: Fidelity) in US. But we are not seeing the mentioning of Long term or short term losses in that tax forms. Can you please advise whether do we need to manually note down the short term losses in excel sheet for tax purposes? 2. As this 10 min video covers mostly Indian taxation, Can you please put another video only for US capital gains with examples on how to offset Long/Short term losses with gains?
1. Yes. You can do that manually. or if you are using tax software, it automatically does that based on buy date and sold date. 2. I mentioned in the video. Long term loss can only be subtracted only in LT gains. ST loss can be subtracted only in ST gains. It is simple and straight forward.
Laws are enacted more complicated. If and but and subject to and reading with etc etc. It should be straight. Mutual Fund Free limit and period and % after your tax free limit in each LTCG or STCG.
Hi Sir, need your suggestion on how to invest in Nifty 50 from USA(I.e, without converting to Rupees. Because, I fear rupee devaluation to continue. Also, suggest if my fear is valid). Watching your videos has been one of my best time investment. Enna than investment gurus solla ketrunthaalum namma aalu sollum pothu than oru conviction varuthu.. :)
You can invest in INDY - etfdb.com/etf/INDY/#etf-ticker-profile . It does have high Expense Ratio. But please note, just because you invested in USD on an Indian Index, does not mean that you are removing the INR risk. The value gets reflected appropriately in this ETF in USD. Or in other words, we will not be able to remove the currency risk by investing in US on an Indian Index. The returns will be the same as in India, infact will be little lower because of the higher expense ratio.
Sir fund of fund means what? And what is liquid fund? And how to select liquid fund? Is it liquid fund is better than bank f.d and recurring deposit? Which is right investment for beginners?
You explained the tax harvesting very well. You said that after 1 year, if redeem, there is no tax for 1 lack...how do you calculate 1 year, if i have SIP...For example, if my SIP starts on January 2022, February 2022, etc., Shall I consider January 2022 contribution completed 1 year on January 2023...or entire 2022 SIP considered for 1 year on January 2023?
Sir, Sachin Bansal led Navi MF has applied for FoF to invest in Vanguard Total Stock Market Index... Your analysis, pros & cons, index performance will be highly appreciated. TIA..!
It will be really helpful if you make a video on RSU taxation(getting foreign RSU from India), even after reading multiple blogs and articles and discussions with auditors I don’t have clarity on the taxation part.
I am not familiar with that. If auditors themselves finding it hard, then I am sure, I will have hard time finding good sources to learn and explain. Sorry. But I will see what I can gather there.
It may Kindy be clarified whether the capital gain to be taken separately for tax purpose or the gain to be added to saary income for the purpose of paying tax or salary income and capital gain to be treated separately and tax to be calculated deparately
Sir , can you tell about the inflation happened in Venezuela and Zimbabwe...why the rates is very unrealistic.. what to do if it is happen to ourselves? Tq🙏🙏
Hi Vijay , thanks for the info. In any of your future videos could you cover capital gains on housing ? Is the rules for short & long term tax rates same as in bonds & funds ? Ex - In today’s housing market in US. If a person accumulates some equity $$$ in 6 months , selling and buying a new home by investing all equity in next house within 30 days will be tax free on primary home ? Or is it better to refinance ? Or just stay put ?
Thank you so much for sharing this sir. I'm not getting one point, sir - Selling 1 lakh worth stocks / units and buying them again after 2 days - how is it saving us any money sir ? மனமார்ந்த நன்றிகள் sir
Sorry, the chart shown at 09:19 - I don't quite follow. Is the income shown there the TOTAL taxable income for the year (including your salary etc.), or is it the the amount of capital held in equities subject to capital gains?
It is the total taxable income. Let's say that after our retirement, we are taking money out of our investment account so that the capital gains is less than $80,800, then we do not have to pay any tax on it. This is assuming that we do not have any other income for the family in that year. Or in other words, for married filing jointly, there is no capital gains tax if the total income of the family including the gains is less than 80,800 in that year.
Tx Sir for the detailed explanation 👏 Have couple of questions 1) will the tax be detected directly by the MF house or we have to file ourself. 2) will there be any different tax rates and rules for NRI investing in India
1. We have to include that as part of our filing. 2. Yes. Check this out: economictimes.indiatimes.com/nri/invest/how-capital-gains-are-taxed-for-nris-investing-in-india/articleshow/81686527.cms?from=mdr
I think I got my answer here.. if we are investing in sip, example 1-jan-2021(count the nav units).. just redeem the same number of units in 2-jan-2022. and then invest the same amount in same mutual fund. hereby we can reset the purchase date. we have to do this on monthly basis and please make sure the units you are trying to redeem doesnot cross the 1Lakh gain. if units brought (1-jan-2021) has profit of more than 1Lakh just reduce the units so that gain is less than 1 lakh.
Hello Vijay Sir, I am investing in UTI index fund. Should I continue investing only in UTI or I should invest in different AMC's such as ICICI or HDFC or Navi or Nippon for having diversified portfolio?
First thanks for your valuable knowledge sir. The way you were explaining was really amazing sir. I have a query, in this video you mentioned that to over come tax loss we can use that 1 lakh benefit on long term and reinvest in 2 days, won't this account our long term compounding. Also, in long run after so many year we might end up in selling all our stocks or it will be unnecessary to sell those. Am not sure about my query, though i thought to ask... Thanks again for your time
You will be losing the compounding for 2 days in a year. Not a big deal in the grand scheme of things. We will sell our holdings when there is a need for money. Ideally, we should have identified the needs as early as 5 years and move the money out of stock market and have it in safer accounts like FD.
Great explanation Sir!!! Learning a lot from ur videos!! Small question __in India, Do these taxes will be deducted at source or we should pay during our ITR..?
Thank you for the details. I have two questions but not related to above video. 1. How much important to have a nominee for any investment (I read one facebook post where husband died who invested without nominee around 30 lakhs but wife is going through huge documentation process as specially he invested in online mode). 2.In case if a person holding amount in US 401K and put it in index fund and if the person is no more, how can the family member who are in India can get it.
1. Yes, it is very important to have a nominee in all your financial accounts. 2. If the person is a US resident, then there is no problem for Indian Inheritors. But if the person has already left to India and is not a US resident any more, then the inheritors will have to pay 40% of those assets as tax for any amount that is higher than 60K. Saying that, please work with a tax advisor to understand the tax rules better.
Hi Sir, Thanks for your service. After watching your playlist started my very first investment in Index funds SIP. I have a small doubt, How the investment duration will be calculated for SIP ? Let say I started 1 year Sip investment from January to December. First month investment amount will be matured on December(completing 12 months cycle), The amount deducted on march will be matured on next year March or end of SIP (here December) ?
Sir, Why expected ordinary income is included in the estimated cost basis and the profit is determined based on the cost basis instead of purchase price for stocks?
Good question. I believe you do not have to if your added gains from STCG to your income does not go over 0% tax slab. But please consult a tax advisor to get the right advice.
@@InvestmentInsightsTamil I was dumb to understand that earlier. I got it now sir, When you do sell funds that would get max of 1 lakhs gain and reinvest that again in fund would save me the tax for long run/term. Excellent tip, wonder if I would get such a insight anywhere else. Thanks sir.
Yes. But there is no basic exemption limit for NRI's. economictimes.indiatimes.com/nri/invest/how-capital-gains-are-taxed-for-nris-investing-in-india/articleshow/81686527.cms?from=mdr
Sir, My query is as to where the non taxable realised gain of Rs. 50,000 will be reported. But the reply already given is not with reference to my query.
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Sir appdiye dividend tax rate resident and nri ku oru video
Sir intha dividend and bonus shares ku tax iruka ? Apidi iruntha athuku oru video podunga
Sir , if my capital gain is one lakhs and the capital amount to gain it was 6 lakhs...I should sell the whole 7 lakhs funds and buy again right ? To save tax on that one lakhs
😊😊😊😊😊😊😊😊
Tax loss harvesting concept seri puriyala sir. It would be helpful if you put detailed video on this topic.
Thanks in advance🙏
Sir innoru detailed video on tax harvesting with examples pls.🙏
Thank you so much Sir. I didn't know that US stocks should be treated as debt funds. Thanks for sharing. 🙏
Boss is back with another gem of a video. Thanks Guruji!!
Sir am a cost accountant am learning many concepts from your video than books. Thank you very much and kindly keep doing... Thank you sir
Happy to hear that.👍🏽
Vijay sir pinreenga ponga..andha words fluency+your knowledge..vera level..awesome
Sir tax loss harvesting pathi separate ah detail ah video podunga sir.. tamil nadu le idha pathi yarukume theriyathu.. for new and young investors
I had this doubt for a long time and sir you have just cleared it with ease...
I am your subscriber when you had only 50 subcribers for your channel. I am motivated to invest in stocks only after i started watching your videos. Last one year I have started investing in equity and I have made good progress. Thank you so much for your tips and tricks. Looking forward for more videos.
Great to hear that.
Excellent.. Detailed Narration. Please come with a video for dividends and also for REIT and INVIT Dividend Tax
Hands down best and crisp explanation and helpful. I was looking for this for over a week all over the internet. Thank you so much 🙇🏻
Dear Sir, just started seeing your videos for a week. You are so practical and good in sight in to your videos. i am a investment lover so literally enjoying your videos. I live in ireland. Would like to chat with you in near future.
Thanks Vijay guru. This is so helpful. And one can challenge that you will not find a more clearer and concise content on this topic anywhere else. Every word spoken is meaningful ❤
Vijay Sir, i have never been interested in finance because i do not understand those terms and they sound alien to me. I am in a decent paying job but never bothered to suggest anything on financial terms. Thank you for your simple but great videos. I feel confident when i talk about certain topics! :)
Great to hear that.
Sir, can you explain clearly about the Nifty Index fund 1 lakh capital gain part every selling and buying after 2 days? Kindly make a separate video sir? Thanks in advance.
If we sell to realise 1 lakhs and buy after 2 days, what is the advantage? Money again reinvested and it became short term. Please help to understand insight with example. Thanks
Dear sir Good Morning, Now I am watching your videos and also need basic ideas for new beginners in share Market
Super Sir! I had this doubt of capital gains tax for my shares in the US for a long time. Wondering whether I need to pay taxes or not. Finally I got a clear view.
Q
Sir .. after pattu sir's video ,I see yours only... neat explanation.. super .
Inda madri video da romba nala theditiruthen, thank you sir😎
Nethu night tha harvesting, LTCG lam pathutu irundhaen, morning unga video❤️
Awesome.. please expliain the tax loss harvesting and tax saving strategies in ltcg in detail in a separate video
Clear understanding of taxation sir. Your videos always informative. Always good sir
Sir ...Great video as usual but you missed a key point...if some one has no income, short term capital gain upto 2.5 lacs is not taxed...so if some one is working and their spouse or parent is not working, it is better to keep investment account in the name of the person who doesn't work ..through this way, they can save upto 37,500 (2.5l × 0.15) in tax
Good point.
@@InvestmentInsightsTamil Source of income kaata venama for non working person? Because we invest our money la, wont it cause a problem? Please reply Sir
One more awesome and useful video from you side. En arivu kanna thirakuringa neenga!! 😃
thanks sir for this. many are not aware of the tax in equity...
My time is good .,
When the student is ready the teacher will appear. When the student is truly ready... The teacher will Disappear.
Tao Te Ching
Thanks RUclips for suggesting this channel videos to me.. Vijay sir you’re are a awesome teacher ..
Best technique of tax loss harvesting
Crisp and clear ! Only thing that missed the 10 minute window is that in US Net Capital Loss you claim max 3K and you have to carry over the rest. Another thing about Tax Loss Harvesting is to claim loss and buy in a similar fund to avoid wash sales. ETFs are better for tax purposes. Also dividend taxation needs to be covered. Hopefully you will have a follow up :)
Good points.
For a US Resident, you have State tax too. In CA for example, they tax based on marginal tax rate.
+ Net Investment Tax potentially can apply
As always wonderful explaination Sir✌️
Sir, please explain Tax saving ideas like 80c, 80d etc., in upcoming video
Very clear Explanation sir... Thanks🙏
Sir please make a video on Foreign investment shares and tax details
How is the tax can be paid from other country in that way also you can put one video!! by seeing ur videos i learnt many things!! thanks to you really Hats off for your informative videos!! Other India other foreign countries also you can explain it each videos!!!
Sir .. Excellent Video with clear Examples
One Doubt . In same year
IF I make profit of 10 L in Short term
loss in Long term 3 L
Loss in F&O 1 L
Can I Adjust my Loss in F&O and LTCG in STCG ?
Very informative sir... Thanks ... We really thankful to you for enriching our knowledge.
It was simple and understandable. Thanks !! But instead of realizing the gains, can we opt for Loan pledges from our investments.
Finally this video helps me to get the clear understanding of taxes on stocks 🫡 Thank you sir 🙏🏻
Needs video on full details with example of index fund CAPITAL GAIN TAX tax return file in AFTER completed 5 years of profits
Thanks for the informative video, please explain as to how TDS amounts be claimed back if the net capital gain is less than the overall TDS deducted.
Sir romba naala kettutu iruken... episode podratha sonnenga... Japan market bubble pathi sollunga sir... US and india ku andha maari laam vara vaaipu irukka illaya nu... 🙌
It is in my To Do list.
@@InvestmentInsightsTamil nandrigal pala...😊😊
Thank you very much for the great information! Can you also give some clarification on ELSS based mutual funds profit also?
Well explained Sir... Thank you for sharing your knowledge in a simple language...
Hello Sir, your explanation is very good 👍much understandable. Thanks for the videos
Thank you sir .. insightful video … how tax is calculated for an Indian resident investing in US market directly ..tax is calculated in india or USA .. ?
Great Sir especially about Tax harvesting and buyback option! Thanks for your efforts!🖖
Hi Sir...Liquid Funds Pathi oru video podunga sir...Ideas for Investing better than FD with Good Interest, safer & need to be easily liquidated...
Thanks bro, good learnings from your videos with more clarity
Amazing explanation about wash sale restrictions. Keep Rocking Sir.
Sir, please guide me on finance planning & management for New recurit in job market.
Great video sir, respect from Chennai
Sir. Monthly monthly SIP investment pannure. Itha 10 years continue panni athu ku apro FIRE community ku varumbothu monthly expense 1x ah withdraw pannum bothu atha epdi consider pannuvanga. Long term capital gain tax la ya Or short term capital gain tax la ya ?
Because 10 year continue sip podumbothu last month la um sip panniruppe, investment start pannum bothum sip pannirupe.
Naa ipo withdraw pantra amount ah ethu larunthu minus pannuvanga tax purpose ku.. ?
Earliest investment la iruntha Or recent investment la iruntha.. ?
First In First Out. You will be selling the units that you bought first and you will pay tax accordingly.
@@InvestmentInsightsTamil
In your case, since you have been doing SIPs since 2012, the holding period of your units will vary, and you will need to calculate the holding period of each unit separately. If the units you are selling have been held for more than 1 year, it will be considered as long-term capital gains, and if held for less than 1 year, it will be considered as short-term capital gains.
Note that if you withdraw only a part of your investment, then the units sold will be considered to have been held the longest, to minimize the tax liability. Also, if your total long-term capital gains in a financial year are below INR 1,00,000, then you may not have to pay any tax on the gains.
( Sir. I above mentioned text is provided by chatgpt. I ask this same question at it. This is the reply. It says, we hold units as per buying history and we can sell it as recent time buying units or older units ?shall we have this option. What is your opinion sir.
Your comment will help me sir. This year I want to file income tax sir.
Excellent sir. expecting some videos about individual stocks and analysis going forwrd
Thank you sir for the simple explanation on the capital gains concepts👍
Dear Sir
You opened my eyes to see sea of opportunities.
My doubt cleared, good explanation thank you sir
Very informative and useful video. Can you please clarify below queries:
1. We get the tax forms for Long term or Short term gains from Brokers (Eg: Fidelity) in US. But we are not seeing the mentioning of Long term or short term losses in that tax forms. Can you please advise whether do we need to manually note down the short term losses in excel sheet for tax purposes?
2. As this 10 min video covers mostly Indian taxation, Can you please put another video only for US capital gains with examples on how to offset Long/Short term losses with gains?
1. Yes. You can do that manually. or if you are using tax software, it automatically does that based on buy date and sold date.
2. I mentioned in the video. Long term loss can only be subtracted only in LT gains. ST loss can be subtracted only in ST gains. It is simple and straight forward.
Laws are enacted more complicated. If and but and subject to and reading with etc etc.
It should be straight. Mutual Fund Free limit and period and % after your tax free limit in each LTCG or STCG.
Thank you sir. If the short or long term capital from equity and debt fund is invested in residential property, is there a chance of tax rebate.
Hi Sir, need your suggestion on how to invest in Nifty 50 from USA(I.e, without converting to Rupees. Because, I fear rupee devaluation to continue. Also, suggest if my fear is valid).
Watching your videos has been one of my best time investment. Enna than investment gurus solla ketrunthaalum namma aalu sollum pothu than oru conviction varuthu.. :)
You can invest in INDY - etfdb.com/etf/INDY/#etf-ticker-profile . It does have high Expense Ratio. But please note, just because you invested in USD on an Indian Index, does not mean that you are removing the INR risk. The value gets reflected appropriately in this ETF in USD. Or in other words, we will not be able to remove the currency risk by investing in US on an Indian Index. The returns will be the same as in India, infact will be little lower because of the higher expense ratio.
Sir, you mentioned that foreign funds like NASDAQ 100 will be considered as debt funds for capital gains tax. What about individual foreign stocks?
20% tax with indexation on LTCG (> 2 years).
Hi Yennoda investment ku pilayar suzhli pottadhu neengadhan sir. Happy Ganesh chaturthi for you and your family.
Sir fund of fund means what?
And what is liquid fund? And how to select liquid fund?
Is it liquid fund is better than bank f.d and recurring deposit?
Which is right investment for beginners?
You explained the tax harvesting very well. You said that after 1 year, if redeem, there is no tax for 1 lack...how do you calculate 1 year, if i have SIP...For example, if my SIP starts on January 2022, February 2022, etc., Shall I consider January 2022 contribution completed 1 year on January 2023...or entire 2022 SIP considered for 1 year on January 2023?
It is based on the date the fund was bought. So the units bought on 3rd Jan 2022, can be sold on 3rd Jan 2023 or later for Long term capital gains.
Sir, Sachin Bansal led Navi MF has applied for FoF to invest in Vanguard Total Stock Market Index...
Your analysis, pros & cons, index performance will be highly appreciated. TIA..!
Super 👍👍👍
Waiting for next video 😀😀😀
It will be really helpful if you make a video on RSU taxation(getting foreign RSU from India), even after reading multiple blogs and articles and discussions with auditors I don’t have clarity on the taxation part.
I am not familiar with that. If auditors themselves finding it hard, then I am sure, I will have hard time finding good sources to learn and explain. Sorry. But I will see what I can gather there.
Thanks.. very useful things for me…
Thank you sir..Naan nifty share invest pannanum entraal first naan enna seyya vendum please help me sir.
It may Kindy be clarified whether the capital gain to be taken separately for tax purpose or the gain to be added to saary income for the purpose of paying tax or salary income and capital gain to be treated separately and tax to be calculated deparately
I didn't understand When I watch this video 2 years back now im understanding clearly because I pay tax for short term capital gains.
Need more information about INTRADAY trading and income tax transaction
Very thorough and insightful for a new investor like me...Thanks a lot sir, please continue doing the great work 👍
Sir , can you tell about the inflation happened in Venezuela and Zimbabwe...why the rates is very unrealistic.. what to do if it is happen to ourselves? Tq🙏🙏
Sir, please explain about tax on dividends.
Loss can be carried forward for 8 yrs only if u file your IT returns in time.(31st July).please check
Hello Sir, Nice Explanations Thank you.
Hi Vijay , thanks for the info. In any of your future videos could you cover capital gains on housing ? Is the rules for short & long term tax rates same as in bonds & funds ? Ex - In today’s housing market in US. If a person accumulates some equity $$$ in 6 months , selling and buying a new home by investing all equity in next house within 30 days will be tax free on primary home ? Or is it better to refinance ? Or just stay put ?
Housing tax rules is bit involved. Will cover that in a future episode.
@@InvestmentInsightsTamil Thank you Vijay .
Please include the capital gains tax for housing in India too. :)
Thank you so much for sharing this sir. I'm not getting one point, sir - Selling 1 lakh worth stocks / units and buying them again after 2 days - how is it saving us any money sir ?
மனமார்ந்த நன்றிகள் sir
Same doubt sir
I will see if I can explain this with numbers in next episode.
@@InvestmentInsightsTamil Thank you so much in advance, sir !
Short term equity tax is 15% irrespective of salary slab
Yes correct
Sorry, the chart shown at 09:19 - I don't quite follow. Is the income shown there the TOTAL taxable income for the year (including your salary etc.), or is it the the amount of capital held in equities subject to capital gains?
It is the total taxable income. Let's say that after our retirement, we are taking money out of our investment account so that the capital gains is less than $80,800, then we do not have to pay any tax on it. This is assuming that we do not have any other income for the family in that year.
Or in other words, for married filing jointly, there is no capital gains tax if the total income of the family including the gains is less than 80,800 in that year.
@@InvestmentInsightsTamil Thank you. That's clear.
Very informative video Vijay 👍🙏
Thanks exactly what I was looking for
Tx Sir for the detailed explanation 👏
Have couple of questions
1) will the tax be detected directly by the MF house or we have to file ourself.
2) will there be any different tax rates and rules for NRI investing in India
1. We have to include that as part of our filing.
2. Yes. Check this out: economictimes.indiatimes.com/nri/invest/how-capital-gains-are-taxed-for-nris-investing-in-india/articleshow/81686527.cms?from=mdr
How captial gains calculated for SIP..?
Whether 1 year is considered for each SIP made monthly or From the start date of SIP..?
It is for each SIP.
I think I got my answer here.. if we are investing in sip, example 1-jan-2021(count the nav units).. just redeem the same number of units in 2-jan-2022. and then invest the same amount in same mutual fund. hereby we can reset the purchase date. we have to do this on monthly basis and please make sure the units you are trying to redeem doesnot cross the 1Lakh gain. if units brought (1-jan-2021) has profit of more than 1Lakh just reduce the units so that gain is less than 1 lakh.
Hello Vijay Sir,
I am investing in UTI index fund. Should I continue investing only in UTI or I should invest in different AMC's such as ICICI or HDFC or Navi or Nippon for having diversified portfolio?
I do not really see a need to invest in different fund houses.
@@InvestmentInsightsTamil Thank you Sir
Profit bookpannale tax kattanuma or withdraw panna kattanuma... and engapoi tax kattanum sir.. automatic ah deduct aagiduma sir
First thanks for your valuable knowledge sir.
The way you were explaining was really amazing sir.
I have a query, in this video you mentioned that to over come tax loss we can use that 1 lakh benefit on long term and reinvest in 2 days, won't this account our long term compounding.
Also, in long run after so many year we might end up in selling all our stocks or it will be unnecessary to sell those.
Am not sure about my query, though i thought to ask...
Thanks again for your time
You will be losing the compounding for 2 days in a year. Not a big deal in the grand scheme of things.
We will sell our holdings when there is a need for money. Ideally, we should have identified the needs as early as 5 years and move the money out of stock market and have it in safer accounts like FD.
@@InvestmentInsightsTamil thank you sir
It was good & informative...👌
Thank you for info. The country Where am I living capital gains tax is 31.68% 😀
😱
Great explanation Sir!!! Learning a lot from ur videos!!
Small question __in India, Do these taxes will be deducted at source or we should pay during our ITR..?
Capital gains should be paid while filing ITR.
@@InvestmentInsightsTamil Thanks 😊
Thank you for the details. I have two questions but not related to above video.
1. How much important to have a nominee for any investment (I read one facebook post where husband died who invested without nominee around 30 lakhs but wife is going through huge documentation process as specially he invested in online mode).
2.In case if a person holding amount in US 401K and put it in index fund and if the person is no more, how can the family member who are in India can get it.
1. Yes, it is very important to have a nominee in all your financial accounts.
2. If the person is a US resident, then there is no problem for Indian Inheritors. But if the person has already left to India and is not a US resident any more, then the inheritors will have to pay 40% of those assets as tax for any amount that is higher than 60K. Saying that, please work with a tax advisor to understand the tax rules better.
@@InvestmentInsightsTamil Thank you so much for prompt reply.
Sir, your videos are awesome. One doubt sir. How salaried people can add up to their regular income tax?
I am not following the question. Can you rephrase it please?
Hi Sir, Thanks for your service.
After watching your playlist started my very first investment in Index funds SIP.
I have a small doubt, How the investment duration will be calculated for SIP ?
Let say I started 1 year Sip investment from January to December.
First month investment amount will be matured on December(completing 12 months cycle), The amount deducted on march will be matured on next year March or end of SIP (here December) ?
Very useful information. Tq sir
Sir, Why expected ordinary income is included in the estimated cost basis and the profit is determined based on the cost basis instead of purchase price for stocks?
Very useful content thq sir....
Thanks Sir
Clear explanation
Equality STCG 15% irrespective of tax slab kattanuma sir ... Suppose ennoda taxable income less than 5L, still i have to pay this tax?
Good question. I believe you do not have to if your added gains from STCG to your income does not go over 0% tax slab. But please consult a tax advisor to get the right advice.
Have you got answer for this?
Good explanation given about taxes
Hats off and my gratitude to you. I am quite not clear on the capital gain of 1 lakh and reinvest after 2 days. It can be in the fund itself right?
Yes, it can be in the same fund.
@@InvestmentInsightsTamil I was dumb to understand that earlier. I got it now sir, When you do sell funds that would get max of 1 lakhs gain and reinvest that again in fund would save me the tax for long run/term. Excellent tip, wonder if I would get such a insight anywhere else. Thanks sir.
I have asked this as a question in your Q&A session. Thanks . Is the tax same for NRI investor also?
Yes. But there is no basic exemption limit for NRI's.
economictimes.indiatimes.com/nri/invest/how-capital-gains-are-taxed-for-nris-investing-in-india/articleshow/81686527.cms?from=mdr
Sir,
My query is as to where the non taxable realised gain of Rs. 50,000
will be reported. But the reply already given is not with reference to my query.
It does not have to be reported. We report only on the shares we sell. We do not report on the shares we continue to hold.
Hi sir. If we sell one stock with more then 2 lackh profit and we invest that amount in other stocks . Still we need to pay tax manually?