Biggest lesson i learnt in 2023 in the Mutual funds market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Finding financial advisors like Rebecca Nassar Dunne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
We should demand for Tax saving options as current ones are just useless. Even medical insurance premium is heavily taxed. With new income tax regime becoming default option going forth, Govt. not helping honest IT payers with rising inflation the slabs should be adjusted. And Don't even start on how well that tax money is used 😒
This is wrong and misleading. Why are you assuming 12500 would become 8750 ? Why would you pay tax for the amount invested in MF ? Only the gains made attract short term or long term tax gain.
You money has to be either pre-tax or post-tax. Everything you put in PPF, NPS, ELSS etc... is pre-tax & will always be higher than post-tax availability
@@MrVamsinath49 information presented in video is misleading and impractical. I come under 30% tax slab. Under 80c I can invest up to 1.5 L which will be tax exempted. PF contribution from me and my employer also comes under 80c, which comes around 1.3 L a year. So I left with only 20k to invest in ELSS. In this video he assumed 12k investment per month in ELSS, which is not going to be true for anyone who comes under 30% tax slab. And I have invested in 7 ELSS so far, each of them have 18%cagr. Not sure why he used 8%.
Deducting 30% from the investment amount of mutual fund is not logical. 30% is tax. Investment amount should be kept same in all cases for correct comparison.
@@bhaveshkandpal3454this holds true for those people who follow old tax regime. In new regime the ppf becomes obsolete. So one needs to calculate with same principle amount and deduct tax wherever applicable on return, then comparison will be fair enough.
@@Redmirealme1234 here comparison is for old tax regime where PPF and ELSS of 1.5 give tax savings while to invest in normal MF you have already paid tax that's why he had lowered by 30% ....there no deduction in new tax regime so why to give gyan on deduction....baba ji dimag to lagao
What a marketing gimmick. Kudos to you!!. You comfortably reduced mutual fund monthly investment amount . If you’re comparing apples to apples it should ₹12500 monthly . If someone invest ₹12500 monthly and the investment at nifty index fund return would be around ₹5700000 if it’s 11%CAGR this works out to be 53 to 54L as post tax profit and 30% more than PPF return. And there is not lock in to consider. And there is lot of investment products to cover 80C Benefit like ELSS, NPS, Life insurance . To get better return I suggest to go with MF, ELSS and NPS Consider NPS and PPF only for retirement corpus
Your last statement was most important. Generally 80c is always filled up easily or even overflowing by pf, childs Tuition fees, home loan, etc so mutual fund is a good option..
Completely agree, 80C is a peanut 🥜.... Doesn't make sense to invest in PPF if 80C is already fulfilled by other means ( which holds true for most of the cases.)
Government nahi karegi. They will rather suck money from working class and subsidize farmers and other vote banks. And they do so to the extent of making even our industry unproductive.
You don't earn 40.68L Amount in PPF if you invest monthly.. YOU HAVE TO INVEST 1.5L at once before 5th APR to reach this number for 15 years...But MF numbers can be reached by doing Monthly...Just a FYI... 🙏
Yeh mutual fund montly investment₹8000 something kaise ho rha hai? Tax is taken at the time of selling a Mutual fund unit and if the profit is above ₹1Lakhs
@@rashid4490 Yeh mutual fund montly investment₹8000 something kaise ho rha hai? Tax is taken at the time of selling a Mutual fund unit and if the profit is above ₹1Lakhs
@@prasenjitpaul3640 I think he is talking about deduction that you can claim if you do ppf. But if you do mf you don't get that deduction. So for keeping same amount in ppf and mf , you need to make some extra income which will then make mf investment same as ppf monthly investment
PPF is saving scheme(just protects your money)but MF is an investment option(compounds your money). There's a huge difference in the final corpus in the long term b/w PPF and MF.
@@HarshKalra490if you do SIP in ppf and mutual fund for comparison you will see how much you loose opportunity by investing in ppf. In 15 years maximum corpus you can get in ppf is 40L. To become a crorepati you need to keep investing 12.5k every month for 25 years. So two drawbacks. One is low returns, other is 1.5 lakh per year limitation. The third one is that your money gets locked for 15 years. 80c limit is easily exhausted when your salary is in 30% tax bracket. Career is just 30 years on average, so invest wisely. 40 years is just rare case. Mine is just 34 years horizon, 20 years left.
Return on ELSS at 8% ? Thats too conservative … for a 15 years tenure any decent ELSS will easily give you 10-12% returns. PPF can never beat ELSS in long run (15yrs is a super long term).
In your calculation, monthly investment in MF - 8750, monthly investment in PPF -12500 for the same period. When investment in MF itself is 30% less how can it loose by giving 7.5% less return than PPF?
Arrey he is considering mutual fund investment post tax which is wrong Like i am under 30% slab rate so, 150,000-30٪= 105,000/12 = 8750 He should understand how can tax be on invested amount. And more funny part is that he is again taxing already taxed money
You should have mentioned this case to be true : 1) If PPF return throughout 15 years is kept same and not reduced 2) If the time period is 15 years.But if the time period in mutual fund is increased to 25 years , then we can observe the magic of compound interest 3) If we choose hybrid funds , large cap fund and not midcap and small cap funds. Midcap and small cap combination can fetch u 17% in longer term which is more than Nifty 50 index or average blue chip mutual fund
Govt has made the policy so that everyone goes to market. For example if the interest is more than 2L in EPF then the interest will be taxable above that. PPF interest is lower than FDs. The FDs are taxed at tax slab. So in the end the middle class will move towards market. I.e. MF and Stocks. Run for gold and properties only that can save our future.
Mandeep abhi bhi is calculation mae improvement ka scope hai. In MF section do tax harvesting of 1lac every year. Sell MF unit Today then buy same amount units next day. This will save LTCG tax every year
To buy same qty next day, this time you would need to pay more right? As prices per unit would have increased Frm earlier investment! So what you save in LTCG will be spent in buying same qty
@@ben-uy1ud Capital+profit(less than 1 lac) will be reinvested thus same amount of units(little more or less due to fluctuation in nav)will be received
@@ben-uy1udnope, you just have to have extra money in hand. Say you bought fund at 10k, and after 1 year it has become 15k . If you want to save tax on 5k ltcg using your 1lac limit per year, you just place the sell order of 15k worth of fund and simultaneously place 15k buy order. They will be carried out on the same working day, and NAV will be same for both buy and sell as it it calculated per day. The only thing is that you can't wait for the encashment of 15k worth of fund to buy new funds, and the NAV will change by the time the money reaches your account. So you have to have 15k of your own money in hand before harvesting, which you will get back eventually after the proceeds of the sell of those fund reaches your A/C.
1 saal mai sell karte time exit load aur kuch taxes bhi lagte hai na I guess for short selling because maine 1 saal mai units beche. Correct me if I am wrong
@@obitouchiha876 1. i am talking about selling units which are older than 1 yrs and have profit. (this is called tax harvesting) 2. Exit load 1 sal sae puraane equity MF par nhai lagta . 3. Taxes on MF selling are much less then income tax.
How 15k investment in mutual fund brought down to 8.5k? Taxation is on gains only I e.LTCG 10%. If you are assuming that on investment in other 2 avenues one can get tax rebate then practically it's not true, only 1.5 lakh limit is there in 80c which generally already gets exhausted thru PF, Home loan, insurance premium etc. If We want to compare these 3 investment avenues on basis of return, investment in all of them should be equal. MF/ELSS is by far a better investment than PPF for a lock in period of 15 years as in case of PPF.
Ppf need to increase 7.1 to 8.1. Then it will make sense otherwise it's quite useless with 5.3% A.I.R. does not beat inflation but probably makes sense to all gov and private employees.
Sec 80c ki limit bhi inflation ke sath increase honi chahiye... And other tax brackets bhi... 10-12 years me 100rs ki cheej 200 ki ho jati hai... But tax me chhoot nahi badhti... Why?
Yes your doubt is absolutely correct. There is no tax before investing. So full amount of 12500 to be count as investment in Mutual Fund. Only tax is LTCG of 10% on Interest earned while redemption. 1Lakh Profit withdrawl is tax free every year. If you regularly doing Tax Harvesting then no tax to be paid on All investment. @labourlawadviser is Misleading all viewers. In Start of video he accepted, he made mistake in first video. Still in this video again made mistake. DONT TRUST SUCH RUclips INFLUENCER. They make video for views. Worthless. Followers be Smart and get knowledge from Books, AMFI website and awareness programs.
@@bhanupratap5185 bhai long term tax lga dia stocks pr mehnat hm kre dimag hm lgaye or govt. Mawa khati h 10% tax leke Inki to vote hi nhi dunga kbi b me
It's that you aren't getting any tax benefit while investing in some mutual funds. But he didn't mentioned that ELSS is also a mutual fund where you get the benefit of tax saving under section 80C and in ELSS also you can get return of 10-12%. I'm a Financial Consultant. If need to invest in ELSS, Bonds, Debentures, etc and for any other knowledge regarding such, you can connect us
@@ben-uy1ud kuch ni hota, withdrawal pe hota h. And ELSS mutual fund mai sec 80 C mai Tax Saving bhi hoti h. You can connect me if like to gain more knowledge or wanna invest in Mutual Funds, secured Bonds, Pre-IPO's, tax saving instruments, etc
I can explain why, just like to buy a chocolate for 100 rupees, you have to first earn 130 rupees, pay a tax of 30% and only then can you buy it at 100. Similarly when drawing out 12500 from your salary you have to pay 30% tax and then invest the amount in Mutual Funds
@@devanshumodi7477 if we have completed 1.5Lk under 80c in ELSS then all investment weather in PPF or Mutual fund other than ELSS should not treat like this 8750.
Maine 2 ELSS liye h, SIP, Auto detects option select nahi kiya, manually pay karta hu, Beech mein 1-2 month Miss ho gaya tha payment Toh kya fine lagega???
I like the josh and thoughts of whole LLA team cause they genuinely try to help public and mistakes can happen by anyone and even after criticism(cause log b******d shi info ka faida utha k bas galat cheez ko zada point out krte h) they try to correct themselves by apologizing and giving the right advice next time
MF pe Monthly Investment pe 30% tax, and again redemption pe 10% LTCG tax? Aise kaise, ye to kabhi suna nahi, kisine kaha bhi nahi pehle. Ye short bhi Galat ho gaya kya?
This is because income tax is already deducted on that amount, so if you earn 15k then 4.5k will be tax in 30% slab and only 10.5k will be invested. Still excluding cess
These guys confused me... first they told ppf won't be good option due to inflation... and now they are saying mf is worst than ppf due to taxation. If I change my plan everytime none of them gives me a good return. Only thing I know concentrate is better than diversion if you understand risk.
Vivek bhai ek reality jaan lo, ye accha hai wo accha hai mat dekho, har baar investment Avenues change karte rahoge to uspe returns nahi ayenge aap phalana dhimkana charges bharte reh jaoge, mera point simple hai bhai, apni investment diversify karo, ELSS mai bhi daalo, PPF mai bhi daalo aur MF mai bhi daalo. ELSS aur MF aapko high risk high returns dedenge, lekin udhar jo risk ka tension hai usko aap PPF mai paisa daal ke safe feel kar sakte ho. (Diversification) sab jagah investment karke rakh do koi issue nahi ayega. Financial advisor se bhi baat karlo iss vishay pe, RUclipsrs information de denge lekin wo certified nahi hote bro. Be careful.
थोड़ा झोल ये भी है म्यूचल फंड में ८७५० ₹ महीने की दर से साल का १०५००० ₹ बनता है। लेकिन डाटा सीट में १५०००० दिखाया जा रहा। वैसे ८७५० ₹ महीने की दर से १५ साल में ये राशि बिना ब्याज के १५७५०००₹ के बराबर होती है। वही पीपीएफ में १२५०० ₹ महीने की दर से १५ साल में बिना ब्याज के ये राशि २२५००००₹ है। अब यहा म्यूचुअल फंड में परिपक्वता अवधि पूरी होने पर टेक्स कटने के बाद ३७८१००० ₹ दिये जा रहे है। आपने १५ साल की अवधि में १५७५००० का निवेश किया और परिपक्वता अवधि पूरी होने पर ३७८१००० प्राप्त किये। अर्थात लाभ हुआ २२०६००० का। वही पीपीएफ में १५ साल की अवधि में २२५०००० का निवेश किया और परिपक्वता अवधि पूरी होने पर ४०६८००० ₹ प्राप्त करते है। लाभ हुआ १८१८००० ₹ का। बस यही झोल मुझे समझ नहीं आ रहा है।
@@Ishaajaytravelvlogs yes bro, I often see people looking for guidance but end up following multiple people choosing multiple paths without having own opinion. Let's hope everything goes right for guidance seekers 🥂
MF par investment ke time kyon tax lagega ? Paisa invest karte time thode tax lagta hai... salary already taxed hai bhale hi PPF me dalen ya MF me ya ELSS me
Yes your doubt is absolutely correct. There is no tax before investing. So full amount of 12500 to be count as investment in Mutual Fund. Only tax is LTCG of 10% on Interest earned while redemption. 1Lakh Profit withdrawl is tax free every year. If you regularly doing Tax Harvesting then no tax to be paid on All investment. @labourlawadviser is Misleading all viewers. In Start of video he accepted, he made mistake in first video. Still in this video again made mistake. DONT TRUST SUCH RUclips INFLUENCER. They make video for views. Worthless. Followers be Smart and get knowledge from Books, AMFI website and awareness programs.
I disagree with the fact that ELSS can only generate 8% returns, also why would MF generate 11% returns instead of 12%? In fact in your previous video you yourself had calculated MF returns taking 12% average, so why 11% now?. ELSS are mostly equity funds, not debt funds. Moreover take a look at the constituents of any ELSS fund, they mostly have the same constituents as that of an index, therefore if index funds generate an avg of 12% returns, so will most, if not all, ELSS funds. Keeping 12% returns for ELSS for 15 years @12.5 per month - it will generate the after tax returns of approx 55Lac. Much more than PPF.
@@satishgupta2537 before criticizing know the facts Satish. I am no commerce student, but after reading rest of the comments i can say that Hitesh is actually correct about this.
Bhai for many under 30 pc tax bracket, just pf takes care of 80c and if not, with capital repayment part of Housing loan, that definitely gets covered. So the basis of calculation is on shaky grounds
30 percent tax bracket mai agar aa rahe hai aur sare deduction and exemptions hamne use kar liye hai...toh bache paise pe 30 percent ka tax lagega..toh 12500 ka 30 percent 3750 ho jayega......12500-3750= 8750. But yeh puri tarah bhi sahi nahi...kisi ki utni salary hi nahi toh ...itna tax nahi katega....but agar salary 30 percent slab mai aati hai...tab yeh case sahi hai
@@cloudmartial9333 ye paisa mutual fund mein lagao ya ppf mein principal amount to same hi rahega na..investment amount pe pehle tax nahi lagta hai baad mein lagta hai..at time of maturity
I appreciate your sincerity brother. Thanks for coming back with correct facts. Just love to see all your content, it's really very advantageous and you present in an interesting manner.
@@motivationalvideo3320 PPF investment ka tax benefit hota hai u/s 80C, so for PPF 100% cashflow consider kiya hai (Rs. 12,500 for PPF) and MF me tax benefit nahi hota, isliye net off 30% tax cashflow consider kiya hai (12500 less 30% tax = Rs. 8,750). He has also mentioned this in video, but I think you are much interested in criticising peoples rather than listening properly and enhancing your knowledge. Matter of fact for my prior comment: I appreciated that he had guts to accept his mistake, to apologise and correcting it. Reframed facts might be again incorrect (I am not aware, if any), but I didn't mentioned anything about correctness of his reframed facts in my prior comment. Conclusion for you: Don't comment on videos on which you have no clue about basic concepts or you didn't get the logics. Otherwise ask questions in comment and enhance your knowledge instead of criticising others and degrading your repo, in case you have if any. AND MIND YOUR LANGUAGE BROTHER, it doesn't sounds cool at all..
In PPF 12500*12=150000 totally tax exempt under 80 C section. But in MF no tax exemption for the entire amount 150000. He considered 30% tax slab and deducted 3750 per month, which results 8750 per month investment.
@@venkateshkondamsetty584 venkatesh thanks for the calculation, I wanted to know something else, if you don't sell your MF units there's no tax on it, at the same time you can do something called tax harvesting to get 0 tax on MF profits.
All said and done, it's a safe tax free investment, especially for all those who are into business ... It can never be attached or liquidated if you go bankrupt or default on a loan. Even a term insurance is first used to pay up liabilities and remaining amount is given to heirs, but not so with PPF. Correct me if I am wrong.
@@mehulbajaj816 1 lakh capital gain is tax free. So, instead of withdrawing suppose 5 lakhs in one go.. you can withdraw in smaller denominations in different financial years to utilise that 1 lakh limit on LTCG. Whatever extra you withdraw, you can buy very next day which will not result in much difference in NAV.
There is no tax before investing in MF. So full amount of 12500 to be count as investment in Mutual Fund. Only tax is LTCG of 10% on Interest earned while redemption. 1Lakh Profit withdrawl is tax free every year. If you regularly doing Tax Harvesting then no tax to be paid on All investment. @labourlawadviser is Misleading all viewers. In Start of video he accepted, he made mistake in first video. Still in this video again made mistake. DONT TRUST SUCH RUclips INFLUENCER. They make video for views. Worthless. Followers be Smart and get knowledge from Books, AMFI website and awareness programs.
Isko samajhne k liye apka Maths achha hona chahiye and if you know your Maths well, there are few assumptions to be considered. 1. This comparison is considering you file tax under Old regime. 2. This assumes that you don't have any savings under 80C. 3. This assumes that you are in 30% tax bracket. 4. So, if you put Rs. 1,50,000/- in PPF, at 30% it will save Rs. 45000/- and that benefit will not be there for MF investment. So he deducted that at front from the invested amount leaving Rs 1,05,000/- which is Rs. 8750/- pm. 5. After maturity, gains on MF will again be taxed at the present rates. In this case, there is some mistake as it is neither assumed at 10% or 12.5%. Hope this is clear, if you like this, kindly follow me on RUclips
Sir if there are high inflation then price of NAV will increase because people now have more money in their hands. On the other hand PPF will give you fixed returns not matter what the inflations rates are.
@@mehulbari9076 but that is wrong. Income will not be tax free, agreed, magar invest to 12500 ho honge ne. Aur capital gains bhi usi pe milenge and not only on 8750. That's a really poor calculation
Kindly correct understanding on taxation on mutual fund for long term capital gain it is taxed at 10% instead of 30% shown in example it is irrespective if you fall in 20% or 30% tax slab. Also it would be on interest or gain part not complete principal amount lastly 1 lk interest in LTCG earned in financial year is tax free. Kindly create the video again would like to watch it again...
Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.
Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.
ELSS 3 YRS K LIYE LOCKED HOTA H What that's means Agar 36th month mai last sip duga toh kya mai total amt ek saat wapas le sakta hu, ya individual sips 3 saal k liye locked hoti h???
But problem is PPF intrest not going to stay at 7.1%, govt gradually bring it down, may be around 5% by the end of 15years lock in period, once u parked money in PPF, u can't withdraw money, u should be forcefully satisfy with decreased intrest rates in future
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@Christina-Gisela Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. Alice Marie Coraggio, a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.
SBI can sell Vijay Mallya's home to clear his loan but they can not sell his PPF to pay up his loan. That’s why most the small/medium business people choose PPF even if ELSS give double the returns
Ppf is getting highest interest, but the interest rate cycle is picked out you can see the downward trend in interest rates. While mutual funds you can get better returns than the mentioned. If you withdraw mutual fund at retirement with swp you can save tax also. By the way after 15 years tax limits will be raised than nowadays.
When we post video about technical topics, always take time to understand it thoroughly before you post. 1. PPF rate of interest is kept constant which can never be the case. 2. Mutual fund tax is not on investment but on returns (The moment u understand it, your answer will never be the same) 3. Tax rate for long term MF returns are 10%+4% (Profit upto 1lakh is not taxable) U will lose knowledge followers and gain the dum one's. #AllTheBest
For most salaried employees EPF + Term Insurance takes most chunk of 80C. One can also go for NSC as safe investment which actually beats the inflation, this will fill the 80C basket. So we can eliminate ELSS here. Now between MF and PPF it all depends on the personal risk taking ability. I would say PPF + Index Fund + MultiCap fund would be balanced investment. One can go for other type of investment depending on the risk taking ability and salary.
Quality going down. In last video, you mentioned 12% for MF and in this video 11%. Over 15 years, MF giving 11% is way too conservative. Kaun sa fund select kiye ho bhai? MF ka returns to kam kiye ja rahe ho par PPF ka returns fixed hai!!!! Itna sure ho kya?1.5 lakh PPF mein laga diya to many will not be able to put much in MF.
Dhang se dekho wapis. Jahan galti thi wo maan li, but aise andhe ho ke bhi mat dekho bhai Last ke 20 seconds me 3 different conclusion diye hai. Sunai nahi diye ya sunna hi nahi chahe?
@@LabourLawAdvisor I don't think statistics and history will agree on your return assumption of MF. You are very rude to your own viewers who give suggestions and feedback. I have been seeing this in multiple times. Don't be so self absorbent, you are here only for viewers and you will fall because of them. Don't ignore them. Never think that how good your content is, you can't succeed without us. Have humility.
@@LabourLawAdvisor Just because someone does not agree with you, you will start abusing? I have not used any bad words. What is all this Andhe ho and all? You are running a channel and you will start abusing your subscriber just because he does not agree with one video? Highly unethical and unprofessional. Keep your words proper. I have seen the entire video. Read my comments properly. You reduced the MF returns from 12% to 11% in 2 videos. Tax calculation correct kiya to roi kyon kam kar diya? 11% will probably come in moderate hybrid funds. But, for 15 years SIP, very few will put in such funds. That was my question. Mere 1 bhi question ka answer to diya nahin aur gaali de rahe ho? The whole process of calculating the MF return after deducting the tax initially does not seem right at all. The investment is done from the post tax income. Someone following the old slab and having 30% slab will definitely complete the 80C before investing in MF. So, this method did not seem right to me. Anyway, there have been videos in which I have also praised you for your content. 1 video mein praise nahin kiya to gaali dena chaaloo. Fine. You need not reply to any of my questions. I will not be commenting any more on any of your videos.
Section 80c limit is very very low... It easily gets filled by pf, loans, tution, rent etc. Govt employees cannot hide their income. We pay the most taxes.
Poora diversify kardo par allocation based in your needs wants and goals rakho...balance of liquid , fixed term and locked investments - MF, PPF, NPS, SGB, Stock Holdings, FD Ladder, Liquid Fund
What I was amazed that he had reattempted the video even knowing well enough there is a gap in understanding. Should have consulted an expert before making such a blunder in investment return analysis.
Sir PPF m saal bhar ka paisa ek sath April k starting m 5th date s pehle dalna jayda sahi h ya hr month thoda thoda 5th date s pehle dalna jayda sahi h.
tax (before investment) is 0.05% on the amount you invest on MF and remaining is what invested and equivalent units are recvd. So it can't be 8750 for 12.5k monthly SIP amount.
Mutual funds are taxable but when you withdraw the money stcg or ltcg applicable.. Why you have deducted from the sip amount taxes and reduced the monthly sip?.. Please Explain.. 🙏
1 liter diesel 2 liter petrol sea comparable hota hai as per real world test to petrol jada pollution kerta hai lithium battery to usea bhi jada pollution kerti hai diesel is more economical than petrol and ev vehicle
When we are planning for retirement what should be the expected return and inflation we should presume for calculation purpose present age 55 , retirement age 60
Respected sir, I read somewhere that index return = gdp+ inflation+dividend But I think index return=gdp+inflation ( I think dividend yield is a part of gdp. Please clear my doubt, if possible. I dont understand economics)
Important links:link.labourlawadvisor.in/shorts
Detailed Video : ruclips.net/video/_ObE0wvE5Qs/видео.html
Sir what is elss
If you would have shown same by taking 5 years... Then it's easy to comprehend.
Sir why 3750 less invest in mutual fund SIP as in both case 12500 invested in both case i.e, PPF & ELSS please give the reason...
Are bhai Investment amount per month to same rakho.
Sorry bro ..Your complete analysis is vague.
Its totally misleading. Please watch elss past 6 yrs returns
Mirae Asset
Axis long term
Biggest lesson i learnt in 2023 in the Mutual funds market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Could you kindly elaborate on the advisor's background and qualifications?
Finding financial advisors like Rebecca Nassar Dunne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
We should demand for Tax saving options as current ones are just useless. Even medical insurance premium is heavily taxed. With new income tax regime becoming default option going forth, Govt. not helping honest IT payers with rising inflation the slabs should be adjusted.
And Don't even start on how well that tax money is used 😒
So so true. Hope they make it to 3L
It should be 4.5 Lakhs
If this happens lakhs of insurance sales and investment bankers life easier
😂 Govt is altogether removing these deductions. And you want to increase deduction limit.
@@CAPARTH89because govt only want to loot people
This is wrong and misleading. Why are you assuming 12500 would become 8750 ? Why would you pay tax for the amount invested in MF ? Only the gains made attract short term or long term tax gain.
The amount you are investing in PPF, that will come out of income slab. Thats why he is mentioning that.. It s not about tax on return
@@subhojitmukherjee2477
It is applicable to the old tax regime and not for the new tax regime.
You money has to be either pre-tax or post-tax. Everything you put in PPF, NPS, ELSS etc... is pre-tax & will always be higher than post-tax availability
How will MF be taxed at 30%, how that amount has been contributed by an individual who comes under 30% slab. What if he comes in 10% bracket or none ?
@@MrVamsinath49 information presented in video is misleading and impractical. I come under 30% tax slab. Under 80c I can invest up to 1.5 L which will be tax exempted. PF contribution from me and my employer also comes under 80c, which comes around 1.3 L a year. So I left with only 20k to invest in ELSS. In this video he assumed 12k investment per month in ELSS, which is not going to be true for anyone who comes under 30% tax slab. And I have invested in 7 ELSS so far, each of them have 18%cagr. Not sure why he used 8%.
Deducting 30% from the investment amount of mutual fund is not logical. 30% is tax. Investment amount should be kept same in all cases for correct comparison.
@@KameshAgarwalBlogger shukar h koi toh bola ye baat...
Aur itne bewkuf log h duniya me like kri jare h iss bnde ko
Why only 8750 monthly investment in MF??
whether profit gained from PPF will be taxed?
STCG: 20% on profit
LTCG: 12.5% on profit
Expense Ratio: usually 0-1% on Total Investment
Investment Amount should be same
@@bhaveshkandpal3454this holds true for those people who follow old tax regime. In new regime the ppf becomes obsolete. So one needs to calculate with same principle amount and deduct tax wherever applicable on return, then comparison will be fair enough.
@@Redmirealme1234 here comparison is for old tax regime where PPF and ELSS of 1.5 give tax savings while to invest in normal MF you have already paid tax that's why he had lowered by 30% ....there no deduction in new tax regime so why to give gyan on deduction....baba ji dimag to lagao
What a marketing gimmick. Kudos to you!!. You comfortably reduced mutual fund monthly investment amount . If you’re comparing apples to apples it should ₹12500 monthly . If someone invest ₹12500 monthly and the investment at nifty index fund return would be around ₹5700000 if it’s 11%CAGR this works out to be 53 to 54L as post tax profit and 30% more than PPF return. And there is not lock in to consider. And there is lot of investment products to cover 80C Benefit like ELSS, NPS, Life insurance . To get better return I suggest to go with MF, ELSS and NPS
Consider NPS and PPF only for retirement corpus
Your last statement was most important. Generally 80c is always filled up easily or even overflowing by pf, childs Tuition fees, home loan, etc so mutual fund is a good option..
is there any possibility that govt will remove old tax structure out of picture then only option left for us will be NPS?
Completely agree, 80C is a peanut 🥜.... Doesn't make sense to invest in PPF if 80C is already fulfilled by other means ( which holds true for most of the cases.)
Sir why 3750 less invest in mutual fund SIP as in both case 12500 invested in both case i.e, PPF & ELSS please give the reason
@@jagdishsinghkarayat7112 he deducted the 30% for tax in mutual fund
@@sudipdaw4572 thanks...
I would prefer if 80c limit is increased from 1.5 lac to 2.5 or 3lac..
Government nahi karegi. They will rather suck money from working class and subsidize farmers and other vote banks. And they do so to the extent of making even our industry unproductive.
@@sublimefermion2205 few drawbacks of democracy
Yes that's true, salaried class is the most effected in India
I want limit to 10 lakh
@@tkdevlop And I want govt to deposit 1L monthly in my account😂
You don't earn 40.68L Amount in PPF if you invest monthly.. YOU HAVE TO INVEST 1.5L at once before 5th APR to reach this number for 15 years...But MF numbers can be reached by doing Monthly...Just a FYI... 🙏
Yeh mutual fund montly investment₹8000 something kaise ho rha hai? Tax is taken at the time of selling a Mutual fund unit and if the profit is above ₹1Lakhs
After 15 years in ppf you can extend it for 5 years more
Than its easy
@@rashid4490 Yeh mutual fund montly investment₹8000 something kaise ho rha hai? Tax is taken at the time of selling a Mutual fund unit and if the profit is above ₹1Lakhs
@@abhijeetsingh2933 you dont get 80c benifits for MF
Galat h unka calculation
May god bless the people who take and follow advise from him
Seriously what tax he is talking about i dont understood
@@prasenjitpaul3640 Income Tax
@@prasenjitpaul3640 to invest 8750 in mf you should have 12500 because 30% Will be deducted from that
😂
@@prasenjitpaul3640 I think he is talking about deduction that you can claim if you do ppf. But if you do mf you don't get that deduction. So for keeping same amount in ppf and mf , you need to make some extra income which will then make mf investment same as ppf monthly investment
PPF is saving scheme(just protects your money)but MF is an investment option(compounds your money). There's a huge difference in the final corpus in the long term b/w PPF and MF.
PPF also compounds your money. Difference is rate of compounding.
@@HarshKalra490if you do SIP in ppf and mutual fund for comparison you will see how much you loose opportunity by investing in ppf. In 15 years maximum corpus you can get in ppf is 40L. To become a crorepati you need to keep investing 12.5k every month for 25 years. So two drawbacks. One is low returns, other is 1.5 lakh per year limitation. The third one is that your money gets locked for 15 years. 80c limit is easily exhausted when your salary is in 30% tax bracket.
Career is just 30 years on average, so invest wisely. 40 years is just rare case. Mine is just 34 years horizon, 20 years left.
Return on ELSS at 8% ? Thats too conservative … for a 15 years tenure any decent ELSS will easily give you 10-12% returns. PPF can never beat ELSS in long run (15yrs is a super long term).
Elss kya h
@@deepaktripathi3840 equity linked savings scheme
You can Watch this video regarding Tax savings Mutual fund investments-
ruclips.net/video/grzfxObaibk/видео.html
Mf ki investment ko 12500 se 8700 krdiya uska kuch nhi???
elss mtlb kya hota he exactlya ? aur kaha invest krte he uske liye thoda detail bataiye ?
..PPF ROI will be reduced again and again by GOI..
You can Watch this video regarding Tax savings Mutual fund investments-
ruclips.net/video/grzfxObaibk/видео.html
But shouldn't we also consider inflation?
Interest rates have started going up.. PPF ka bhi badega in FY24
@@stockanalyst6406 your video is private
In your calculation, monthly investment in MF - 8750, monthly investment in PPF -12500 for the same period. When investment in MF itself is 30% less how can it loose by giving 7.5% less return than PPF?
True I was thinking the same
Same here
Arrey he is considering mutual fund investment post tax which is wrong
Like i am under 30% slab rate so, 150,000-30٪= 105,000/12 = 8750
He should understand how can tax be on invested amount. And more funny part is that he is again taxing already taxed money
@@tweetu25 exactly bro I have noticed the same
And one more thing correct me if I am wrong long term capital gain tax is 10 so If you fall in 30% bracket then do we need to give same tax on profit
You should have mentioned this case to be true :
1) If PPF return throughout 15 years is kept same and not reduced
2) If the time period is 15 years.But if the time period in mutual fund is increased to 25 years , then we can observe the magic of compound interest
3) If we choose hybrid funds , large cap fund and not midcap and small cap funds.
Midcap and small cap combination can fetch u 17% in longer term which is more than Nifty 50 index or average blue chip mutual fund
Govt has made the policy so that everyone goes to market. For example if the interest is more than 2L in EPF then the interest will be taxable above that. PPF interest is lower than FDs. The FDs are taxed at tax slab. So in the end the middle class will move towards market. I.e. MF and Stocks. Run for gold and properties only that can save our future.
Mandeep abhi bhi is calculation mae improvement ka scope hai.
In MF section do tax harvesting of 1lac every year. Sell MF unit Today then buy same amount units next day. This will save LTCG tax every year
To buy same qty next day, this time you would need to pay more right? As prices per unit would have increased Frm earlier investment! So what you save in LTCG will be spent in buying same qty
@@ben-uy1ud Capital+profit(less than 1 lac) will be reinvested thus same amount of units(little more or less due to fluctuation in nav)will be received
@@ben-uy1udnope, you just have to have extra money in hand. Say you bought fund at 10k, and after 1 year it has become 15k . If you want to save tax on 5k ltcg using your 1lac limit per year, you just place the sell order of 15k worth of fund and simultaneously place 15k buy order. They will be carried out on the same working day, and NAV will be same for both buy and sell as it it calculated per day. The only thing is that you can't wait for the encashment of 15k worth of fund to buy new funds, and the NAV will change by the time the money reaches your account. So you have to have 15k of your own money in hand before harvesting, which you will get back eventually after the proceeds of the sell of those fund reaches your A/C.
1 saal mai sell karte time exit load aur kuch taxes bhi lagte hai na I guess for short selling because maine 1 saal mai units beche. Correct me if I am wrong
@@obitouchiha876 1. i am talking about selling units which are older than 1 yrs and have profit. (this is called tax harvesting)
2. Exit load 1 sal sae puraane equity MF par nhai lagta .
3. Taxes on MF selling are much less then income tax.
How 15k investment in mutual fund brought down to 8.5k? Taxation is on gains only I e.LTCG 10%. If you are assuming that on investment in other 2 avenues one can get tax rebate then practically it's not true, only 1.5 lakh limit is there in 80c which generally already gets exhausted thru PF, Home loan, insurance premium etc. If We want to compare these 3 investment avenues on basis of return, investment in all of them should be equal. MF/ELSS is by far a better investment than PPF for a lock in period of 15 years as in case of PPF.
He had assumed to invest that amount you are already paying 30% tax before you got your salary
Yeah, pretty stupid way to go about it.
Yea this video doesn't make sense to me. May be it's me who's dumb. How come 15k is becoming 8.5k
@@Lifesaga382 got it thnks
@@Lifesaga382 thanks
Correct the MF column monthly investment to 12500
It was adjusted with 30% TDS deducted
@@prasanth.vangavolu 30% sip से deduct होने के बाद बचा हुआ amount invest होता है क्या??
@@prasanth.vangavoluwhy 30% slab?
If you don't have to pay tax then continue with mf otherwise go with ppf @@NagarajCruze
@@prasanth.vangavolu 30% ka koi TDS nahi hota hai
You won my heart bro right at the start when you apologized. To err is human, to apologize is divine!
Ppf need to increase 7.1 to 8.1. Then it will make sense otherwise it's quite useless with 5.3% A.I.R. does not beat inflation but probably makes sense to all gov and private employees.
Sec 80c ki limit bhi inflation ke sath increase honi chahiye...
And other tax brackets bhi...
10-12 years me 100rs ki cheej 200 ki ho jati hai... But tax me chhoot nahi badhti... Why?
Kya pata is baar ho jae budget me
@@LabourLawAdvisor umeed mat kro is Gov se...
@@amangoel7409 hogyi
@@amangoel7409 kyu na kare vote diye hai toh kar sakte hai umeed
Yes your doubt is absolutely correct. There is no tax before investing. So full amount of 12500 to be count as investment in Mutual Fund. Only tax is LTCG of 10% on Interest earned while redemption. 1Lakh Profit withdrawl is tax free every year. If you regularly doing Tax Harvesting then no tax to be paid on All investment. @labourlawadviser is Misleading all viewers. In Start of video he accepted, he made mistake in first video. Still in this video again made mistake. DONT TRUST SUCH RUclips INFLUENCER. They make video for views. Worthless. Followers be Smart and get knowledge from Books, AMFI website and awareness programs.
Sir taxes do not get applied upfront in MUTUAL FUND.
We don't get tax exemption for mutual funds. That is why he has mentioned its taxed before investing.
Even I am confused how come 30% tax got applied upfront?
@@dashxanuragelss vi bolke koi scheme hai mutual fund me
Ek din aega hi aega jab govt ppf pe interest kam karegi, they have made their intentions clear.
Will govt do anything that will ever benifit a common man
@@ashwin9823 bhai Ashwin aise cases mein dusra rasta nikal lena chahiye. Government ko kosne se kuch hua hai aaj tak.
@@bhanupratap5185 bhai long term tax lga dia stocks pr mehnat hm kre dimag hm lgaye or govt. Mawa khati h 10% tax leke
Inki to vote hi nhi dunga kbi b me
@@anil6191 harr government lagati h. To kya kisiko nhi dega.
@@gouravsingh3257 Ye bjp gov lati hai ese chutiya tax, isse pehle nahi tha share market investment pe tax, or pension bhi isi gov ne band kari thi
In ELSS funds you can get the return in the range of 10-12% ...so undervaluing it at 8%
Sorry I am confused with 2nd option....why Tax will be applicable on MF investment.
Yes me too
Gyan thik se Lelo fir Dena 😂
@@Prakashsingh-li7wm ap hi dedo gyan bhai.
ELSS is also a category in mutual funds !
Sir which tax is deducted in mutual funds, pls explain how you derived the amoumt 8750...
सही कहा आपने.. इस Video मे गलत जानकारी दी गई है..
It's that you aren't getting any tax benefit while investing in some mutual funds. But he didn't mentioned that ELSS is also a mutual fund where you get the benefit of tax saving under section 80C and in ELSS also you can get return of 10-12%.
I'm a Financial Consultant. If need to invest in ELSS, Bonds, Debentures, etc and for any other knowledge regarding such, you can connect us
Correct wahi nahi samjha... Kaun sa tax deduct hota hai shuru me hi
@@ben-uy1ud kuch ni hota, withdrawal pe hota h. And ELSS mutual fund mai sec 80 C mai Tax Saving bhi hoti h. You can connect me if like to gain more knowledge or wanna invest in Mutual Funds, secured Bonds, Pre-IPO's, tax saving instruments, etc
@@tarunkalra3924 Please enter your number.
Why monthly investement in MF has gone down to 8750 from 12,500 in beginning? Please explain in detail
tax
30% of 12500 become 8750, please explain how MF take 30% tax on SIP investment?
I can explain why, just like to buy a chocolate for 100 rupees, you have to first earn 130 rupees, pay a tax of 30% and only then can you buy it at 100.
Similarly when drawing out 12500 from your salary you have to pay 30% tax and then invest the amount in Mutual Funds
@@devanshumodi7477 if we have completed 1.5Lk under 80c in ELSS then all investment weather in PPF or Mutual fund other than ELSS should not treat like this 8750.
@@devanshumodi7477 got it
Maine 2 ELSS liye h, SIP,
Auto detects option select nahi kiya, manually pay karta hu,
Beech mein 1-2 month Miss ho gaya tha payment
Toh kya fine lagega???
Shayad aapko Auto debit likhna hoga. Koi fine nahi lagega.
I like the josh and thoughts of whole LLA team cause they genuinely try to help public and mistakes can happen by anyone and even after criticism(cause log b******d shi info ka faida utha k bas galat cheez ko zada point out krte h) they try to correct themselves by apologizing and giving the right advice next time
I like your video's but I would strongly disagree with th 11% return part, returns are much higher if someone is having a 15 year time horizon!
Yes, because one of my uncle invested in MF since 2006 and he has gotten 16% returns. Even after 2008 crash...
MF pe Monthly Investment pe 30% tax, and again redemption pe 10% LTCG tax?
Aise kaise, ye to kabhi suna nahi, kisine kaha bhi nahi pehle.
Ye short bhi Galat ho gaya kya?
@Labour Law Advisor can you make video on this...
This is because income tax is already deducted on that amount, so if you earn 15k then 4.5k will be tax in 30% slab and only 10.5k will be invested. Still excluding cess
Answer given Akash explains it all. Please read
Acha hua ITR bharne se pehle puch lia ye, IT wale itne pyaar se ni samjhaate jitne pyar se akash ne samjhaya hai😂 JK
@@AkashBhayekar sir mera sip monthly 17000 ka hai to kia mera vi katega lenkin me to 30% tax slab me nahi ata hu please reply
These guys confused me... first they told ppf won't be good option due to inflation... and now they are saying mf is worst than ppf due to taxation.
If I change my plan everytime none of them gives me a good return.
Only thing I know concentrate is better than diversion if you understand risk.
Bro read carefully , his expected mutual fund returns 11 % but mutual fund 15 to 18 %
Vivek bhai ek reality jaan lo, ye accha hai wo accha hai mat dekho, har baar investment Avenues change karte rahoge to uspe returns nahi ayenge aap phalana dhimkana charges bharte reh jaoge, mera point simple hai bhai, apni investment diversify karo, ELSS mai bhi daalo, PPF mai bhi daalo aur MF mai bhi daalo. ELSS aur MF aapko high risk high returns dedenge, lekin udhar jo risk ka tension hai usko aap PPF mai paisa daal ke safe feel kar sakte ho. (Diversification) sab jagah investment karke rakh do koi issue nahi ayega. Financial advisor se bhi baat karlo iss vishay pe, RUclipsrs information de denge lekin wo certified nahi hote bro. Be careful.
थोड़ा झोल ये भी है म्यूचल फंड में ८७५० ₹ महीने की दर से साल का १०५००० ₹ बनता है। लेकिन डाटा सीट में १५०००० दिखाया जा रहा। वैसे ८७५० ₹ महीने की दर से १५ साल में ये राशि बिना ब्याज के १५७५०००₹ के बराबर होती है।
वही पीपीएफ में १२५०० ₹ महीने की दर से १५ साल में बिना ब्याज के ये राशि २२५००००₹ है। अब यहा म्यूचुअल फंड में परिपक्वता अवधि पूरी होने पर टेक्स कटने के बाद ३७८१००० ₹ दिये जा रहे है। आपने १५ साल की अवधि में १५७५००० का निवेश किया और परिपक्वता अवधि पूरी होने पर ३७८१००० प्राप्त किये। अर्थात लाभ हुआ २२०६००० का।
वही पीपीएफ में १५ साल की अवधि में २२५०००० का निवेश किया और परिपक्वता अवधि पूरी होने पर ४०६८००० ₹ प्राप्त करते है। लाभ हुआ १८१८००० ₹ का। बस यही झोल मुझे समझ नहीं आ रहा है।
@@shubhamjadhav-tw8tf100 % correct you said
@@Ishaajaytravelvlogs yes bro, I often see people looking for guidance but end up following multiple people choosing multiple paths without having own opinion. Let's hope everything goes right for guidance seekers 🥂
MF par investment ke time kyon tax lagega ? Paisa invest karte time thode tax lagta hai... salary already taxed hai bhale hi PPF me dalen ya MF me ya ELSS me
Monthly investment MF -8750
PPF-12500
ELSS -12500
THEN HOW ABOVE SAID COMPARISON ARE RIGHT ?
Aapne elss 8 % kaise kyon liya? Vo bhi mutual fund hi hain bhai 😅
Literrally quant mein to over 30% return hai, aur pre covid ki baat kare toh bhi bohot accha return!
Overall it will be less you can see current market is in almost minus so might be he is calculating on that
@@mandar357 Why would he calculating based on the current market in 15 Dec 2021, and how will he be doing that? 🤔
@@mandar357 No he is not.
@@shubhodeeppaul9640 long term mein (10-20 saal) mein it’s impossible to get 30% return . We can get easily 12-14% return over long term period
ELSS give minimum 9% to 20%
Yes your doubt is absolutely correct. There is no tax before investing. So full amount of 12500 to be count as investment in Mutual Fund. Only tax is LTCG of 10% on Interest earned while redemption. 1Lakh Profit withdrawl is tax free every year. If you regularly doing Tax Harvesting then no tax to be paid on All investment. @labourlawadviser is Misleading all viewers. In Start of video he accepted, he made mistake in first video. Still in this video again made mistake. DONT TRUST SUCH RUclips INFLUENCER. They make video for views. Worthless. Followers be Smart and get knowledge from Books, AMFI website and awareness programs.
elss mtlb kya hota he exactlya ? aur kaha invest krte he uske liye thoda detail bataiye ?
I disagree with the fact that ELSS can only generate 8% returns, also why would MF generate 11% returns instead of 12%? In fact in your previous video you yourself had calculated MF returns taking 12% average, so why 11% now?. ELSS are mostly equity funds, not debt funds. Moreover take a look at the constituents of any ELSS fund, they mostly have the same constituents as that of an index, therefore if index funds generate an avg of 12% returns, so will most, if not all, ELSS funds. Keeping 12% returns for ELSS for 15 years @12.5 per month - it will generate the after tax returns of approx 55Lac. Much more than PPF.
That is called customized or misleading information just to prove ur point...
@@satishgupta2537 before criticizing know the facts Satish. I am no commerce student, but after reading rest of the comments i can say that Hitesh is actually correct about this.
@@anshulmanapure1980 i was criticising RUclips amd supporting hitesh
@@satishgupta2537 and why is youtube responsible for whatever labour laws advisors say?
@@anshulmanapure1980 youtuber
Bhai for many under 30 pc tax bracket, just pf takes care of 80c and if not, with capital repayment part of Housing loan, that definitely gets covered. So the basis of calculation is on shaky grounds
Can you please elucidate how tax is implied on monthly instalments in mutual funds
30 percent tax bracket mai agar aa rahe hai aur sare deduction and exemptions hamne use kar liye hai...toh bache paise pe 30 percent ka tax lagega..toh 12500 ka 30 percent 3750 ho jayega......12500-3750= 8750. But yeh puri tarah bhi sahi nahi...kisi ki utni salary hi nahi toh ...itna tax nahi katega....but agar salary 30 percent slab mai aati hai...tab yeh case sahi hai
@@cloudmartial9333 ye paisa mutual fund mein lagao ya ppf mein principal amount to same hi rahega na..investment amount pe pehle tax nahi lagta hai baad mein lagta hai..at time of maturity
I appreciate your sincerity brother. Thanks for coming back with correct facts. Just love to see all your content, it's really very advantageous and you present in an interesting manner.
Invalid statements & calculations. Read my comment
@@mahisultan7860 couldn't find your comment. Leave your words here in reply. Thank you.
@@chintanshah6790 chutiya banaya tumko 😂😂 monthly investment dekho mf pa 8750 & ppf pa 12500
@@motivationalvideo3320 PPF investment ka tax benefit hota hai u/s 80C, so for PPF 100% cashflow consider kiya hai (Rs. 12,500 for PPF) and MF me tax benefit nahi hota, isliye net off 30% tax cashflow consider kiya hai (12500 less 30% tax = Rs. 8,750). He has also mentioned this in video, but I think you are much interested in criticising peoples rather than listening properly and enhancing your knowledge.
Matter of fact for my prior comment: I appreciated that he had guts to accept his mistake, to apologise and correcting it. Reframed facts might be again incorrect (I am not aware, if any), but I didn't mentioned anything about correctness of his reframed facts in my prior comment.
Conclusion for you:
Don't comment on videos on which you have no clue about basic concepts or you didn't get the logics. Otherwise ask questions in comment and enhance your knowledge instead of criticising others and degrading your repo, in case you have if any.
AND
MIND YOUR LANGUAGE BROTHER, it doesn't sounds cool at all..
Sorry to correct but mutual funds don’t take any taxes upfront when you invest like you said 12500/- comes down to 8750/- please clarify.
He calculated the tax as per tax slab as in PPF 1.5 lakh will get deducted during itr filling
@@ajayharit2455 Only if you square off your position right? If you keep it like that there shouldnt be an issue
In PPF 12500*12=150000 totally tax exempt under 80 C section.
But in MF no tax exemption for the entire amount 150000. He considered 30% tax slab and deducted 3750 per month, which results 8750 per month investment.
@@venkateshkondamsetty584 venkatesh thanks for the calculation, I wanted to know something else, if you don't sell your MF units there's no tax on it, at the same time you can do something called tax harvesting to get 0 tax on MF profits.
@@venkateshkondamsetty584 but how 30% .tax slab is different 3-6,6-9,9-12 lakh
All said and done, it's a safe tax free investment, especially for all those who are into business ... It can never be attached or liquidated if you go bankrupt or default on a loan. Even a term insurance is first used to pay up liabilities and remaining amount is given to heirs, but not so with PPF.
Correct me if I am wrong.
Correct but except that if u default income tax paying, only income tax department can touch ur ppf balance 👍
Mutual fund are subject to long term capital gain tax under section 112A which is taxed at the rate of 12.5% after exemption of 1.25 lakh now
I have watched a lot of videos. But the correct information that I get from your videos is hard to find anywhere else.
Why mutual fund pe pehle tax lagega 30% ka ?? if someone investing normal or ELSS in 80C then how 30% tax on 12,500. Mandeep please explaine ??
Wrong calculation h....equal amt of 12500 lena h investment k liye
Now please add a column with Mutual Funds+ Tax harvesting 😂
What is tax harvesting?
@@mehulbajaj816 1 lakh capital gain is tax free. So, instead of withdrawing suppose 5 lakhs in one go.. you can withdraw in smaller denominations in different financial years to utilise that 1 lakh limit on LTCG. Whatever extra you withdraw, you can buy very next day which will not result in much difference in NAV.
If I invest in 2 different accounts, 1 for me 1 for my wife, this way can we get 2lac no tax. ????
Exactly. Tax harvest hojata hai.. no one will hold 15 years same fund without any loss change
There is no tax before investing in MF. So full amount of 12500 to be count as investment in Mutual Fund. Only tax is LTCG of 10% on Interest earned while redemption. 1Lakh Profit withdrawl is tax free every year. If you regularly doing Tax Harvesting then no tax to be paid on All investment. @labourlawadviser is Misleading all viewers. In Start of video he accepted, he made mistake in first video. Still in this video again made mistake. DONT TRUST SUCH RUclips INFLUENCER. They make video for views. Worthless. Followers be Smart and get knowledge from Books, AMFI website and awareness programs.
Isko samajhne k liye apka Maths achha hona chahiye and if you know your Maths well, there are few assumptions to be considered.
1. This comparison is considering you file tax under Old regime.
2. This assumes that you don't have any savings under 80C.
3. This assumes that you are in 30% tax bracket.
4. So, if you put Rs. 1,50,000/- in PPF, at 30% it will save Rs. 45000/- and that benefit will not be there for MF investment. So he deducted that at front from the invested amount leaving Rs 1,05,000/- which is Rs. 8750/- pm.
5. After maturity, gains on MF will again be taxed at the present rates. In this case, there is some mistake as it is neither assumed at 10% or 12.5%.
Hope this is clear, if you like this, kindly follow me on RUclips
Point 5. They would have taken 1 lakh exemption for ltcg. For rest amount taxed at 10%
Sir if there are high inflation then price of NAV will increase because people now have more money in their hands. On the other hand PPF will give you fixed returns not matter what the inflations rates are.
Your analysis is always exceptional. Thanks from my heart Fortunate to found you on youtube.
How the amount comes around 8750 rs in case of MF?
@@mehulbari9076 then even for ppf one would pay the tax as well na.
@@praveen2789 bro mutual fund me hmara tax save nahi hoga under 80C but ppf me hoga
@@ShubhamGupta-dx6mr Bhai tax saving mutual funds bhi hai. Only difference is while redemption tax will be 10%
@@praveen2789 No bro , those mutual funds are called ELSS funds and covered in the vedio
@@mehulbari9076 but that is wrong. Income will not be tax free, agreed, magar invest to 12500 ho honge ne. Aur capital gains bhi usi pe milenge and not only on 8750. That's a really poor calculation
If my income is falling under 30% slab, will the LTCG tax be 30% or 10%?
Invest m kon sa tax lgta h sir?
Gain tax lgta h wo 10%
Plzz dont confuse clear this
Exactly. Invest karne pe sirf stamp duty lagta hai
Calculation may be right, but 80c is already filled with PF and tution fee. In that context mutual fund may be right.
Kindly correct understanding on taxation on mutual fund for long term capital gain it is taxed at 10% instead of 30% shown in example it is irrespective if you fall in 20% or 30% tax slab. Also it would be on interest or gain part not complete principal amount lastly 1 lk interest in LTCG earned in financial year is tax free.
Kindly create the video again would like to watch it again...
Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.
If you lack knowledge about market investing tactics, get advice from a financial counselor.
Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.
Her name is ‘Melissa Jean Talingdan’ Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Arnab Goswami: Kuch bhi... Kuch bhi..😭😭😭
Wo ch*tiya banda hai. Kyahi uska naam le.
#DoesntMakeSense ✅
Koi baat nahi sir...
Itni knowledge dete ho aap
Thoda bahot idhr udhr ho jata... Dont worry 👍
PPF amount per month Dena achha Hain ? Ya year main ekbar hi dena better hain ? Please boliye .....🙏🙏🙏
ELSS 3 YRS K LIYE LOCKED HOTA H
What that's means
Agar 36th month mai last sip duga toh kya mai total amt ek saat wapas le sakta hu, ya individual sips 3 saal k liye locked hoti h???
But problem is PPF intrest not going to stay at 7.1%, govt gradually bring it down, may be around 5% by the end of 15years lock in period, once u parked money in PPF, u can't withdraw money, u should be forcefully satisfy with decreased intrest rates in future
What about customer who have completed 10 yrs already ...
What if we do tax harvesting on mutual fund?
Sir for salaried person.. all investable money would be post tax.
Bhai MF par invest karte time hi tax laga diya? Tax to withdrawal ke time lagega na?
Mandeep, pls share a detailed video on sukanya smridhi scheme.
It's pros and cons and benefits.
How much to invest and other details.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@Christina-Gisela Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. Alice Marie Coraggio, a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.
@Christina-Gisela Alice Marie Coraggio
Lookup with her name on the webpage
Bots are having a full conversation 💀💀💀
@@aashay162😂😂 sahi kaha
SBI can sell Vijay Mallya's home to clear his loan but they can not sell his PPF to pay up his loan.
That’s why most the small/medium business people choose PPF even if ELSS give double the returns
Ppf ka returns 7.1%rahega 15 years ke liye iski kya guarantee hai???😂
Wo Jane do mujhe ye btayo ye mf me 8750 rs kaise bacha investment karte samay to koi tax nhi hai jha tak 🤔
@@Akashkumar07188bai mere ko b wohi confusion hai... Koi answer de de bai.... 30% tax is too much
@@Akashkumar07188 Ppf pai income tax nhi lgta
Sir, mutual funds me paisa HOLD karne par kya hume dividend ya interest milega kharcha pani ke liye?
Ppf is getting highest interest, but the interest rate cycle is picked out you can see the downward trend in interest rates. While mutual funds you can get better returns than the mentioned. If you withdraw mutual fund at retirement with swp you can save tax also. By the way after 15 years tax limits will be raised than nowadays.
Having money and keeping it is hard 😭
As Michael once said "Mo money, Mo problems"
Bhai main Apne ppf ke paise Nikal Raha tha God apne aap ka correction theek Kiya
When we post video about technical topics, always take time to understand it thoroughly before you post.
1. PPF rate of interest is kept constant which can never be the case.
2. Mutual fund tax is not on investment but on returns (The moment u understand it, your answer will never be the same)
3. Tax rate for long term MF returns are 10%+4% (Profit upto 1lakh is not taxable)
U will lose knowledge followers and gain the dum one's.
#AllTheBest
For most salaried employees EPF + Term Insurance takes most chunk of 80C. One can also go for NSC as safe investment which actually beats the inflation, this will fill the 80C basket. So we can eliminate ELSS here. Now between MF and PPF it all depends on the personal risk taking ability. I would say PPF + Index Fund + MultiCap fund would be balanced investment. One can go for other type of investment depending on the risk taking ability and salary.
Mutual fund par phele tax legega yani ki hume tax phele pay karna hoga ya auto deduct ho jaega please answer me
Quality going down. In last video, you mentioned 12% for MF and in this video 11%. Over 15 years, MF giving 11% is way too conservative. Kaun sa fund select kiye ho bhai? MF ka returns to kam kiye ja rahe ho par PPF ka returns fixed hai!!!! Itna sure ho kya?1.5 lakh PPF mein laga diya to many will not be able to put much in MF.
Dhang se dekho wapis. Jahan galti thi wo maan li, but aise andhe ho ke bhi mat dekho bhai
Last ke 20 seconds me 3 different conclusion diye hai. Sunai nahi diye ya sunna hi nahi chahe?
@@LabourLawAdvisor I don't think statistics and history will agree on your return assumption of MF. You are very rude to your own viewers who give suggestions and feedback. I have been seeing this in multiple times. Don't be so self absorbent, you are here only for viewers and you will fall because of them. Don't ignore them. Never think that how good your content is, you can't succeed without us. Have humility.
@@LabourLawAdvisor Just because someone does not agree with you, you will start abusing? I have not used any bad words. What is all this Andhe ho and all? You are running a channel and you will start abusing your subscriber just because he does not agree with one video? Highly unethical and unprofessional. Keep your words proper.
I have seen the entire video. Read my comments properly. You reduced the MF returns from 12% to 11% in 2 videos. Tax calculation correct kiya to roi kyon kam kar diya? 11% will probably come in moderate hybrid funds. But, for 15 years SIP, very few will put in such funds. That was my question. Mere 1 bhi question ka answer to diya nahin aur gaali de rahe ho? The whole process of calculating the MF return after deducting the tax initially does not seem right at all. The investment is done from the post tax income. Someone following the old slab and having 30% slab will definitely complete the 80C before investing in MF. So, this method did not seem right to me.
Anyway, there have been videos in which I have also praised you for your content. 1 video mein praise nahin kiya to gaali dena chaaloo. Fine. You need not reply to any of my questions. I will not be commenting any more on any of your videos.
@@anondodasgupta5275 jaane do yaar , insaan ka bhi mood hota hai , aaj shayd mood kharab hoga unka , itna bura maane ke jarurat nahi.
@@anondodasgupta5275 Arey itne comments ka reply karte karte ho jaata hoga kabhi kabhi mood kharab, koi ni jaane do
Bro all the Elss mfs have given more than 13 % in last 10 years, do your homework first'
Arey bhai he has taken worst case scenario
Section 80c limit is very very low... It easily gets filled by pf, loans, tution, rent etc.
Govt employees cannot hide their income. We pay the most taxes.
Sir yaha par agar mutual swp lagaye to mutual fund ppf ko beat kar sakta hai ? Aur agar aisa kiya to usse kya fayade aur nuksan honge ?
Poora diversify kardo par allocation based in your needs wants and goals rakho...balance of liquid , fixed term and locked investments - MF, PPF, NPS, SGB, Stock Holdings, FD Ladder, Liquid Fund
NPS VS MUTUAL FUNDS VS ELSS plz sir Thank you
What I was amazed that he had reattempted the video even knowing well enough there is a gap in understanding. Should have consulted an expert before making such a blunder in investment return analysis.
PPF Returns Will be less as every year ROI changing and drastically down
Sir, ye Saab aap kaisa learn karte hon ???
Plz reply 🙏
Legends will always watch the correct shorts😁 love your work sir
MFs are not profitable than PPF/ELSS.
Tax harvesting : Ruko jara, sabar karo.
Sir PPF m saal bhar ka paisa ek sath April k starting m 5th date s pehle dalna jayda sahi h ya hr month thoda thoda 5th date s pehle dalna jayda sahi h.
Sara Paisa 1st to 5th April dalna sahi hai for max return.
I will check your other videos too and drop some questions...Thanks
PPF पर अर्जित किया गया ब्याज क्या new regime में भी tax free है ?
tax (before investment) is 0.05% on the amount you invest on MF and remaining is what invested and equivalent units are recvd. So it can't be 8750 for 12.5k monthly SIP amount.
Kya govt employee ppf account khul skte hai
Mutualfund p redeem karne p Income tax slab k according btana chahiye
Mutual funds are taxable but when you withdraw the money stcg or ltcg applicable.. Why you have deducted from the sip amount taxes and reduced the monthly sip?.. Please Explain.. 🙏
Ab to 80c milti hi nhi, new regime mein konsi deduction le sakte uska btao
1 liter diesel 2 liter petrol sea comparable hota hai as per real world test to petrol jada pollution kerta hai lithium battery to usea bhi jada pollution kerti hai diesel is more economical than petrol and ev vehicle
Sir apne ye kyu bola ki ye rule hota hai ki ek lot ki cost ≤15000 hi hogi . Usse zyada ni ho sqti kya?
When we are planning for retirement what should be the expected return and inflation we should presume for calculation purpose present age 55 , retirement age 60
Searching and much awaited video thanks
Respected sir,
I read somewhere that index return = gdp+ inflation+dividend
But I think index return=gdp+inflation
( I think dividend yield is a part of gdp. Please clear my doubt, if possible. I dont understand economics)