Mutual Funds or FD - Where to invest in 2023 after New Tax Rules?
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- Опубликовано: 27 апр 2023
- Mutual Funds vs Fixed Deposit - Where should we invest in 2023? Taxation on FD vs Mutual Fund explained in hindi. We’ll do detailed comparison of fd vs debt mutual funds vs equity fund, and which is the best investment alternative in 2023 after new tax rules.
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About the Video
As per new Income Tax rules applicable from 1st April, 2023, indexation benefits on debt mutual funds has been removed. Earlier, long term capital gains from debt funds enjoyed indexation benefit, but from now they will be taxed directly at 20%. This new rule has made investors wonder whether they should invest in debt mutual funds, and what are the investment alternatives available.
We will compare taxation on returns from fixed deposit, debt funds, and equity funds, and determine which one of them is the best investment avenue. These new rules are going to have a big impact on which type of mutual funds investors go after in 2023.
In this video, we’ll cover the following topics:
1. FD kya hai?
2. FD interest rates 2023.
3. FD vs Mutual fund, which is better?
4. Tax on mutual fund returns.
5. Mutual fund me invest kaise kare?
6. Tax on debt fund explained.
7. What is indexation in mutual fund?
8. Indexation benefit in debt fund.
9. How are mutual funds returns taxed?
10. Mutual funds for 2023.
11. Mutual fund vs fixed deposit.
12. Long term capital gains tax rate.
13. Short term capital gains tax rate.
14. Tax on fixed deposit returns.
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#MutualFunds #FD #MutualFundsOrFD
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My portfolio has good companies, however it has been stalling since last year. I have approximately $200k stagnant in my reserve that needs growth.
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Large-cap stocks and ETFs typically deliver relatively stable returns during periods of heightened volatility and can be great for investors aiming to minimize risk. Renewed buying strength in markets in September and October. I want to invest more than $300k, but I'm not sure on how to mitigate risk
Speaking with an advisor helped me stay afloat in the market and grow my portfolio to about 65% since January 2022, This helped me stay afloat and improve my portfolio of $450k in months.They have strategies that are specifically suited to your long-term objectives and financial aspirations.
my partner’s been considering going the same route, could you share more info please on the advisor that guides you.
I started out with a financial advisor called "Monica Selena Park". Her honest approach gives me complete ownership and control of my positions, and her rates are incredibly affordable given my ROI. However, do your due diligence before contacting a financial advisor.
Monica appears to be very knowledgeable. I discovered her online webpage and read through her resume, educational background, and qualifications, which were all very impressive. She is a fiduciary, which means she will act in my best interests. So I scheduled a call with her.
The biggest disadvantage of Indian education system is people will not have a clear understanding on wealth creation. Even today I've seen many people keep lakhs of money in their savings account without even creating an FD. People like you should educate our future generation for better planning and using money to create more money
I wish i learnt most of these principles about seven years ago. A lot of people have been trapped strongly in the matrix-- Go to school, get a job, and then slave your whole life. Many miss out on life-changing information that could have great effect on their finances. I played with the stock market sometime in 2020, and I was surprised at how well it turned out. I want to put in $90k more into the market. I heard people are making really great returns despite the downturn. Any recommendations?
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With changes in the economy leading to instability in the stock market, some individuals may face a decrease in their investments in an effort to benefit from the current market conditions, I am considering liquidating my $725k portfolio consisting of bonds and stocks. Someone else in the same situation? Please tell me in the comments!..
would suggest you thoroughly evaluate the companies you have invested in and their estimated future performance, as we may expect to see the market decline further. To minimize stress and improve efficiency, it might be wise to seek the assistance of an investment advisor to help restructure your portfolio and identify any underperforming investments to offset. This approach has been successful for me and has reduced my stress levels.
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@@kendralius your name is Kendra Lius sounds like Kendra lust.
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Would you be willing to suggest a trusted advisor you've worked with?
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Age factor also works. In early life you can plan fore more equity component and high risk. When it comes to retirement benefits, liquidity and risk these two factors are more important than returns. Corporate bonds with Wint wealth etc are more beneficial if diversified
For short term FD now makes more sense. For long term investment I would still invest in Equity MF. The tax changes in Debt funds explained very well.
Kya equity mutual fund tax return me dikhana padega?
It is better to invest in ultra short term category for short-term parking of money. It will give you more than 6% returns. With full liquidity.
@Soumyadip Barman Ha ....it is better to show.
I'm investing last 10 yrs in MF by SIP by XIRR 12.3% so far. Ofcourse my first preference is Equity.
Glad you liked it!
Which mf
Hello ..
You are investing in equity mutual fund and ROI is also good..
But if you invest for 30 years is that safe to invest ?
If any MF company fall down in 30 years then what should I do in that case ..
This is very informative.
FDs actually TDs are best as of now for 1 year investment and for long term Equity MF. Running both in parallel is good option
We work for years to get $1Million in retirement, Meanwhile, some people are just putting $5k in a meme coin in just few months and now they become multimillionaires.
How long does it take to learn it and make money? I might like to try it out in the future. Maybe I still kinda hesitate about it because I don't know all the ends and outs, pros and cons.
Debt MF is better if liquidity factor is considered. Since interest rate is same as FD. But for fixed amount of time FD is better. And for indefinite or unknown amount of time Equity MF is good. Video was helpful. Thank you.
I would prefer
🌟 Savings account= one month salary
🌟 Debt mutual fund= 11 month salary(provides higher interest rate+ liquidity)
🌟 Fixed deposit= upto limit
🌟 Overdraft against fd (50% of fd) to meet quick financial needs later selloff the debt mutual fund to set off the used ammount, (50% of fd not liened be used during excess emergency)
🌟 Provident fund/nps= the limit applies
🌟 Rest=indexed mutual fund(passive funds)
Still prefer to go for Equity n FD in a ratio of 70:30
Fixed deposit can be done for senior citizen of family.Fill15G/H form(if they are not tax payer) and TDS will not be deducted and at the same time it will fetch you around 8.5% intrest.
hi, is there a way to track what mutual funds are investing in? doing somewhat a copy trading from MFs be beneficial?
The important point you should have covered is differed taxes in case of debt mfs. This helps in faster compounding when compared to FDs even though tax rules are same. Over medium to long term (say 6-8 years), change in tax slab could also help reducing the taxes for debt mfs when compared to fds where you have to pay taxes every year.
Also that linking to the individual's tax bracket helps low income individuals who are otherwise not having any taxable income post exemption or have to pay very small %
Sir
Should I invest in nps tier 2 as my sip monthly instead of investing in mutual funds ..kindly advise
equity mutual funds are subject to taxation of 10% irrespective of the tax slab to which I belong?(i am considering ltcg of more than 1 lakh)???
Sir is that still beneficial to invest in gold bonds or not?
Is there any change.
Comparison in benefits in between equity mutual fund v/s international fund would be appreciated
Beautiful presentation. Sir continue to help us.
You should have told about the liquidity of funds too. If FD is broken pre maturely then the 0% profit because penalties are almost equal to the interest gained.
Whereas in Mutual fund you can take out money anytime.
Major diff between FD and Debt mutual fund.
Brother, the penalties for pre-maturely breaking the FD is not that high. You get the interest with 1% less than what you opted for. And in mutual funds too you have penalties depending upon the time you are withdrawing.
Sourabh, here is the difference between FD and Debt fund :
1. If we break FD before maturity, we get some penalty, which is a very small amount compared to interest gained upto that point.
2. When we invest in Debt funds, we pay daily expense ratio to the Mutual fund house.
________
In taxation, both FD and debt funds are now the same.
________
Currently, FDs are giving out much, MUCH better deals for returns than debt funds.
So...right now, FDs are way better than debt funds.
Even there is no penalty for premature fd withdrawal in Punjab National Bank...go for it
@@VidiptYadav in sbi penalty is even less, just 0.5%
@@anweshamandal6058 Yes sorry, I was just giving the gist of it. The penalty varies based on the principal amount. I think it is 0.5% for principal less than 5L and for greater than that it is 1%.
Sir, agar corporate bond ke liye Form 15G bhare to “Identification number of relevant investment/account, etc” box me kya likhenge ?
What about debt funds already invested prior to 1.4.2023,? Will it also attract tax without indexation if redeemed now
Money Market Fund is best for short term due to high liquidity and exact amount required can be withdrawn otherwise we have to split the money and open multiple FDs.
Very informative for beginners,👍
Awesome! Keep it up! Thanks!
One important aspect for short term investment is liquidity which is more in debt funds as compare to FDs. So pl.add liquidity aspect also.
Thanks for the video. I thought there is only 10% TDS on FD? But here the number seems to be tax bracket we fall in. Which one is right?
Very good sir you explained a very important point in a very simple way
interest in FD is taxed every year, but debt fund only when you liquidate. Is there any difference in benefits due to that?
Me mutual fund me invest krna chahta hu pr muje iski jankari nahi h to muje demat account full service ya discount broker kaha kholna chahiye or kispe charges sbse kam rhenge
Please bataiye
I truly love your channel because of its valuable contents. Thanks for this video. But I would like to mention that (Pl correct if I am wrong), the tax on internet earnings on FDs are deductible every year while that’s not the case on debt funds as in that case tax will be deducted only when redeemed. Also, we can do partial withdrawals from debt funds. Kindly advise if these make debt MF beneficial over FDs?
That's a good point, but then debt funds investors also don't have a long term horizon, which means they will liquidate in a year or two. Isn't it? Else they would go into equity.
Thank you
Kya abhi directly Wint Wealth ke Bonds mein invest karna chahiye?
What if we invested in FD on parents name ? I believe no tax need to pay as per the tax liability below 2.5 lac and plus senior citizen rate will be given.
Sir aapse bht kuch sikhne ko milta h, thank you soooo much for giving very useful information
I am having my SIP in fundsindia.. not sure if it goes till next years but what happens in this situation and how i can transfer my SIP to other broker like Zerodha etc.
Sir I already invested long term equity kya ye better hai
Hi
2:18 min pe: Mutual fund buy & acquisition me kya difference hai?
Kya 'Acquisition price = Inflation rate + Buying price' hai?
Thank you, Your writing visual explanation for stock are very effective. I always watch your tube channel as very helpful for me. please explain Option Greek next video.
indexation ka benifit equity oriented mutual funds pe milta hai kya ? Please Repl
We invested in Nasdaq based FOF debt fund last December- it’s giving close to 20% in around 6 months. It was awesome decision - since it was before April so indexation benefits still there🙏
If u keep holding it there then ur going to get into trouble.. better exit now than picking up crumbs from what's coming in next 2 months..!!
@@punkedcrap Thanks Akshad - What will motivate nasdaq to come down ?
Thank you 🙏
Thank you sir...!!!😊
Should we invest in mirae tax saver fund elss.. Sip or lumpsum? Pls advise on elss
I don't see any return in MF since October 2021. Have invested in multiple mutual funds. Mostly large caps and ELSS.
Thanks for the useful information, can you please make videos on which equity MF to buy
Great information provided..❤🌈🙏
Sir Maine Nippon india small cap mai 25000 ₹ invest Kiya hai, abhi returns aur invest sub money withdrawal Kar k fir se same funds mai invest kar shate hai ? Aisa karne se kya fayda aur nukshan hoga ? Please answer sir.
Sir lic m jeevan labh ya jeevan umang m se konsi lic best h
Thanks for sharing information.
Every day we have a new problem. It's the new normal. At first we thought it was a crisis, now we know it's a new normal and we have to adapt. 2023 will be a year of severe economic pain all over the nation.. what steps can we take to generate more income during quantitative adjustment?I can't afford my hard-earned $80,000 savings to turn to dust
Absolutely Jane , Fiduciary-counselor have exclusive information and data paths that are not disclosed to the public.. I've made north of $260k in raw profits from just Q3 of 2022 under the guidance of my Fiduciary-counselor “SOFIA ERAILDA SEMA”. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out
@janeviella6807 SOFIA ERAILDA SEMA
You can easily look her up, she has years of financial market experience
Good guidance. Thanks
Thanks 👍
Thank you for the informative video.
Investment in Fd for short term will be my decision.
Further, i want to know how was the indexation calculations made? Kindly share any relevant information if available.
30 percent wale OPS lene ke baad apna saving GPF mai krain ya fir NPS mai hi contribute krte rahain..
Kindly ek video is pr bhi bnao..
Best content on investment thank you so much was looking for such videos
Hello Sir,,2sal k baad mereko ghar banana start krni hei,
Mere pass 1lkh hei lumsum amount
Mei isko canera Robeco small cap mei 3 saal k liye invest Krna chata hu , kya karu?
Best is Dynamic bond fund, hybrids FOF as this gives 9-10% and very less volatile
Sir, debt or liquid mutual funds mein STCG & LTCG dono kya according to tax slab tax (i.e same tax) lagega from April 2023?
What about FD penalty charges if it is broken before maturity?
Is the indexation benefit available in Index fund?
There is a mistake:-
- Short term gain is levied @15% even if gain is less than 1 Lakh.
Informative video as always
Nice information, sir.👌
Dear Mukul sir. Pls make video on EPF higher pension scheme beneficial or not for employees.
Good info sir 👍, please explain tax saver FDs also.
Just a clarification here.. Rs. 1 Lakh exemption in case of Equity Oriented MFs will NOT be applicable for STCG as such exemption is only available for LTCG u/s 112A. Hence for EQ.MF rate of tax is 15% u/s 111A for STCG and 10%(over 1lakh) u/s 112A for LTCG.
Right
Amazing video!!!!! Crystal clear explanation!!! Thank un so much
You're most welcome!
Sir maine tata small cap fund main invest kiya hai 30 year ke liy or meri age abhi 25 hai kya main sahi hu batana sir thank you❤
Sir, main Rajasthan mein government ke electricity Nigam me employee hu.. joining 2007 ki hai aur retirement 2043 me hona hai.
Main abhi CPF me hu. OPS me aane ke liye option diya ja raha hai.
To kya mujhe OPS mein aane ke liye option form submit karna chahiye ?
Hame sahi margdarshan mile iske liye is topic par ek video jarur banayein.
For one my old MF, if i withdraw today & profit is less than 1lac, will i need to pay any INCOME tax or LTCG?
nice video sir
good knowledge 😊
Does it make sense to continue investment in Motilal Oswal Nasdaq 100 mutual fund now? As 30 percent tax is too much.
Useful information sir
Namaste
There are various Non Banking Finance Corporations that offer very high interest rates on fixed deposits.
That apart, small finance banks also provide very high interest rates on fixed deposits.
Basis the ICRA/CRISIL ratings , the investor can select the best amongst these and invest some amount with the objective of safety and diversification.
Thanks
Sir ek confusion hai kya directly equity stock hum kharid kar ek saal ke andar sell karte hain aur profit less than 1lac to kya koi tax nahi dena same as equity mf....pls reply,🙏
Whts the safest and high return investment fr lumpsum amount.. As in else sip is advised..
Hi friend, I want to open Fixed deposit ( out of India) having higher interest rates. How should I open it . Which bank is suitable to get maximum FD benefit
I prefer long term investment so always go for Equity Mutual Funds.
You told that 1 Lakh Gain up to 1 yr is exempt.
But actual is any gain within a year sold will be liable to tax @15% without 1 Lakh limit
If nt working currently, then wht will be the tax slab in fd interest
Under 1 lakh long term capital gain is not taxable under old regime also?
Nicely explained👍
If I invested in debt mutual funds before starting of this financial year(31st march 2023), and now if I withdraw that amount, will I get the indexation benefit?
Yes, you will get indexation benefit
You can do a SWP with debt mutual fund.
However with fd one has to keep paying taxes every quarter
Mukul ji mene SBI, Nippon,axis , HDFC, ICICI, sab me 1000 rs ka sip small cap me invest Kiya hai 2023 April,may ki mahine me
For 10/15/20/25/30 yrs
What do u think is it a good investment plan or it need any changes
Very well explained
Wonderful
2 lakh invest karna hai 2-3 years ke liye filhaal (4-5 years tak bhi ja sakta hu baad me). FD nahi karna chahta hu. Large cap index fund me invest karna chahta hu kyuki sabhi mutual fund me ye safest fund hota hai. Kya ye decision sahi hai ???
Informative video
Ap hai saare chis Warranty Buffett se sek te ho kya?
MF scheme which invest 35% < in equity and rest in debt is called hybrid debt fund but if a fund invest 40% to 60% in equity and rest in debt then will this type of scheme be named hybrid debt fund or hybrid equity fund or something else ? What will be the tax implication.
@2:57 you said that no tax upto Rs.1 lakh if you sell it within 1 year....but this benefit of Rs 1 lakh is available only in respect of LTCG ( if you sell equity oriented MF after holding it for more than 1 year). So if you sell it within 1 year then 15% tax will apply on entire capital gain amount....
Kindly check or if i am wrong please let me know
You are abosulutey correct.
You are right i was wondering whether this rule changed after the new budget or what until u guys pointed it out
Sir i am using equity MF since 2014 with 3 years lockin for each year so its a very good investment path with very good returns
One of the best platform…..😊