Mutual Funds or FD - Where to invest in 2023 after New Tax Rules?
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- čas přidán 27. 04. 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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I've been in the red for a while now and although people say these crisis has it perks, I'm losing my mind but I get it,Investing is a long-term game, so I will focus on the long run.
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My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless. I’ve only ever saved($510,000), never invested but want to start.
My portfolio has good companies, however it has been stalling since last year. I have approximately $200k stagnant in my reserve that needs growth.
@@AstaKristjan As with any big financial decision , it’s important to keep your guard’s up for economic risks. However, smart planning ,time management and seeking advise from a financial adviser can help keep you and your money safe.
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@@IrenaDolinsek Mind if I ask you to recommend how to reach this particular coach you using their service? Seems you've figured it all out unlike the rest of us.
@@LarsBergstrom-uh2eu Most likely, you can find her basic information online; you are welcome to do further study.
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
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.
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.
@@carlorodriguez771 I have been exploring the possibility of utilizing advisors to help navigate the stock market during these uncertain times. However, I am still evaluating their potential effectiveness in providing the support I need.
@@kendralius Christy Vallen D'souza is an esteemed coach known for her proficiency in her area of expertise. You probably might have come across her. I found her on a CNBC interview where she was featured and i reached out to her afterwards. She has since provided entry and exit points on the securities I focus on. You can carry out a quick internet research on her name for more info. I basically follow her market moves and haven’t regretted doing so...
@@carlorodriguez771 I was considering changing my investment strategy and planning to sell certain positions. As my retirement is coming soon,I became increasingly stressed. After thoroughly researching Christy Vallen D'souza on internet, I concluded that I had made an informed decision. Thank you for this Pointer. She seems very proficient and flexible. I booked a call session with her too.
@@kendralius your name is Kendra Lius sounds like Kendra lust.
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?
@Margaret I agree, that's the more reason I prefer my day to day invt decisions being guided by a fin-advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a fin-advisor for over 2years+ and I've netted over 2.8million.
@@AUstinnesc I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
@@Aziz__0 I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance wealth managers you could check out. I have been working with "NICOLE DESIREE SIMON" for about four years now, and she's really, really good. If she meets your discretion, then you could go ahead with her. I endorse her.
@@AUstinnesc I just checked her out and I have sent her an email. I hope she gets back to me soon.
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
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.
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.
Comparison in benefits in between equity mutual fund v/s international fund would be appreciated
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies.
From long-term investing to day trading, the key to achieving significant returns lies not in investing in highly volatile stocks, but rather in effectively balancing risk and reward. This involves appropriately sizing your positions and capitalizing on your advantage by executing trades as many times as needed to accomplish your financial objectives.
@@richardhudson1243 I completely agree, which is why I prefer to delegate daily decision-making to an investing coach. It is nearly impossible for them to underperform given their specialized knowledge and research, as well as the fact that every one of their abilities is geared toward utilizing risk for its asymmetrical potential and mitigating it as a buffer against certain bad turns. I've been working with an investment coach for over two years and have made over a quarter million dollar.
@@tatianastarcic I find your situation fascinating.
Would you be willing to suggest a trusted advisor you've worked with?
@@maiadazz It's best you do your due diligence, I have my portfolio overseen by ‘Laurel Dell Sroufe’ and her qualifications speak for itself. Most likely, the internet is where to find basic info, she has a noticeable page for consulting.
@@tatianastarcic Thank you, Going through her profile on
her webpage out of curiosity, and surprisingly she seems proficient. I appreciate this.
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.
Awesome! Keep it up! Thanks!
Beautiful presentation. Sir continue to help us.
Very good sir you explained a very important point in a very simple way
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.
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
Very informative for beginners,👍
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?
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.
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.
Sir aapse bht kuch sikhne ko milta h, thank you soooo much for giving very useful information
Sir, agar corporate bond ke liye Form 15G bhare to “Identification number of relevant investment/account, etc” box me kya likhenge ?
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.
Best is Dynamic bond fund, hybrids FOF as this gives 9-10% and very less volatile
Informative video as always
Dear Mukul sir. Pls make video on EPF higher pension scheme beneficial or not for employees.
There is a mistake:-
- Short term gain is levied @15% even if gain is less than 1 Lakh.
Best content on investment thank you so much was looking for such videos
Thanks for the useful information, can you please make videos on which equity MF to buy
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..
Great information provided..❤🌈🙏
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
What about debt funds already invested prior to 1.4.2023,? Will it also attract tax without indexation if redeemed now
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 ..
Nice information, sir.👌
Sir
Should I invest in nps tier 2 as my sip monthly instead of investing in mutual funds ..kindly advise
Still prefer to go for Equity n FD in a ratio of 70:30
Good info sir 👍, please explain tax saver FDs also.
Sir is that still beneficial to invest in gold bonds or not?
Is there any change.
Kya abhi directly Wint Wealth ke Bonds mein invest karna chahiye?
Top 5 ya top 3 best Equity mutual funds k baar me Please ek video banao Sir, recent aur future market survey k hisaab se.. 🙏
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)
Can you make a video on PCA please. Your videos are detailed and understandable.
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 %
interest in FD is taxed every year, but debt fund only when you liquidate. Is there any difference in benefits due to that?
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)???
Good guidance. Thanks
One of the best platform…..😊
nice video sir
good knowledge 😊
Nicely explained👍
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.
Pl add taxation on Arbritrage & Hybrid funds. Thanks a lot for best information taxation
hi, is there a way to track what mutual funds are investing in? doing somewhat a copy trading from MFs be beneficial?
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
Thanks for sharing information.
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.
Very well explained
Please tell us about higher pension option and who should opt it and who should not, right now much information is not available.
I don't see any return in MF since October 2021. Have invested in multiple mutual funds. Mostly large caps and ELSS.
Hi
2:18 min pe: Mutual fund buy & acquisition me kya difference hai?
Kya 'Acquisition price = Inflation rate + Buying price' hai?
Useful information sir
You can do a SWP with debt mutual fund.
However with fd one has to keep paying taxes every quarter
Sir lic m jeevan labh ya jeevan umang m se konsi lic best h
Good presentation. Sir please make a video on supreme court rule on pension scheme for salaried people. Is it good, do we need to opt etc
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.
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
Sirji etf profit me tax ka kuch knowledge dijiye
Thank you sir...!!!😊
Good analysis and explanation
indexation ka benifit equity oriented mutual funds pe milta hai kya ? Please Repl
sir 1 video international equity market me kaise invest kare uspr bhi bna dijie
very well explained sir
What about FD penalty charges if it is broken before maturity?
Pl clarify Tax treatment on ETFs based on Foreign equity like MAFANG, MON100 etc. from April 1 2023.. which do have 100% equity but all of that is not Indian....
Informative video
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.
Please make a weekly video sir .. And specialy on upcoming IPO
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,🙏
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.
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%.
Equity oriented fund (Equity >65%) . You have mentioned >35%
Kindly compare वयोवृद्ध, senior citizens saving ,fd fr senior and debt mutual nd equity mutual fund 😊😊😊 Guruji...my financial advisor..long distance
Sir your videos are informative. Suppose a person around 55 and he manage to hold FD or Debt MF till his retirement. After dropping his tax slab he can withdraw which will works in both the cases ...
I prefer long term investment so always go for Equity Mutual Funds.
Can u please make a video on Tax on liquid funds and gilt funds ??
Good information 👍👌
Equity 36 to 60. Indexation benefits can be availed
Equities takes time to grow and taxation will increase more plus very high risk and increasing expense
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❤
Debt funds will have better liquidity than fd as in fd there are premature withdrawals penalties thus reducing its interest.
Although even debt mf do have exit loads but they are for a specific time frame so better than fd liquidity wise.
Very good information ☺️
RBI ke Government Bond like Central Gov Bond ya State Gov Bond ya TBills ke interest par bhi FD jesa Income tax lagega
If nt working currently, then wht will be the tax slab in fd interest
Amazing video!!!!! Crystal clear explanation!!! Thank un so much
You're most welcome!
Sir, debt or liquid mutual funds mein STCG & LTCG dono kya according to tax slab tax (i.e same tax) lagega from April 2023?
Nice video sir 🎉
Upto 40000/ interest, FD is preferred to avoid TDS, then mutual funds is option.
Hello sir
Plz make a video on how to perchage G Bond on zerodha platform and what is pro and cons of Bonds