Trick for Purchasing Car | SIP & SWP in MUTUAL FUNDS
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- čas přidán 14. 06. 2024
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Today in this video we will learn on how to purchase a car with SIP & SWP in mutual funds
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such an insightful video, I have saved it in my playlist for future reference. thank you so much Bhaven Sir for your noble work.
Thanks for making such informative videos. So helpful ❤😊
Thank You Dear Bhavinbhai good education video
Yes I agree with your point to invest mutual funds but which mutual fund should invest?
Nice thoughts, can we relate to home loan. Any suggestion you have?
Thank You Sir
Mera to sidha hisaab hai car lena he kyu agar abhi apne bus ki nahi hai to simple jitna car ka emi jayega utne ka SIP karo aur CAB se ghumo. Jitna saal ka maintenance hai aur insurance hai utne mein saal bhar CAB mein ghoom nahi paoge.
Best video come across...worth watching...next time I will use this formula😊
What about income tax sir ji
Bhai Dil se salute
What about long term capital gains tax of 10% on SWP? Nobody is talking about this
Its 12.5% now😅 No one will understand these things because majority people have limited knowledge .
Also if we have another corona wave, your car will be auctioned for half rate by bank officials
5 saal baad sip na krke emi - sip = swp krte tab bhi usse jyada balance bach jata
How to calculate sip and swp together??
There nothing wrong if you take car loan, why wait 5-6 year, when you can only buy it now on emi, you get to experience of owning a car at an early age, plus you get to used your car for your daily used. I know people will talk about depreciation, car depreciation i know but if you maintain it well you can resell it at a good price. You get the car the experience and also the resell amount and also remember you live only once,But please calculate your income properly before taking emi make sure you can repay before due date. And last but not the least Aways have discipline in repayment the loan amount. Thankyou
He is talking about your second car 😊
What about capital gains tax? Who will take them into consideration?
Hello sir,
Thank you for information,
I have on doubt I'm planning to buy a land, there is enough money to buy in cash but as it is new layout and it takes atleast 5year for houses to built there many of my well wisher are suggesting take some amount of loan (ROI-9%) so that in case of legal issue in later stage that would be much helpful.
So I was thinking keep half in SWP and use that money to pay my EMI Back again with 9% ROI also I'm getting good returns is this advisable or not. Kindly help me this.
Amazing Editing 👏
I guess you should have mentioned a little on exit loads and taxation. Doesn't make sense for me to continue SIP investments do SWP and pay tax on the withdrawal amount and in the second case probably pay exit load.
Okay 👌👍 first time 😊🙏
Hi Sir, One doubt, Imagine i do set up 8% for ten years, I dont touch the SIP, but i also start paying for the car EMI out of my pocket. then at the end of 10 years what will be my Total SIP amount Minus the Car Emi paid
Thx bro
Thanks
can u share this on excel sheet for us
How to take loan with only paying intrest amount and taking all the amount to use it on other option such as buying stocks
Gold loan
Income tax bhi include kiya tho poora video mast
Please give the calculator link
Income tax file krne ke bad kitna bachega
Tax left the chat.
Sir please explain the calculation
Home loan emi swp se kare batwo
Car mt lo bhai paise important h paise kmao jab 1 cr kma lo tb 10 lkh ki car lelena
Bhai gaadi le, but second hand le, aacha sa dekh ke. Aur save bhi kar.. 😉
Haan shi bhai you can earn money but young age m gadi Lena alag chiz hai.
1 crore hote hote 10 lakh ki car 25 lakh ho jayegi. Life is all about everything
Better delay your gratification and multiply your money in stocks , mutual fund. dont buy car (just to show off) before crossing 40 yrs, if your annual salary is near about the car price.
Specially in metro where you can get cabs at any time of day from anywhere
@@007_Sun_Tzu 💯
Best valuable knowledge ... But remove pig icone.
Down-payment money needed can't put all the profit amount in swp calculation somewhere wrong for buying car there need to be some adjustment
Finance coachji please also consider income tax in this brilliant idea, once you will consider income tax aapki strategy side me rah jayegi... Logo ki hard earn money ko tax me waste mat karwaiye
Wo hi toh khali uper uper se ye log gyaan de detective hain lekin tax or ye sab hide rakhege
This video is informative but
12.5% stcg is Missing in swp..
Also if we have another corona wave, your car will be auctioned for half rate by bank officials
You have not considered tax on sale of mutual fund. Pls consider the tax an then let us know how much will be left
10 % over 1 lakh is taxed
@@80sidd 15% will be tax. Whatever income earned 1 lakh is tax free rest is taxable 15% per year.
@@bsdksujoy1277 since when for LTCG? Please don’t give incorrect information
@@80sidd Did I mention STCG or LTCG. Anyone mentioned it is LTCG?. Think twice before you ask something..
@@bsdksujoy1277 ok 👍 no need to ask information is readily available
To car aaj leni hai to 5 sal tak SIP karun? Life jiyun ya future ko stake pe daal dun
aj lo bhai car.. kal ka ghanta kuch ni pta... Ye SIP krwa krwa k sirf apne views bada rahe hai, Life excel pe ni experience se chalti h
Good on paper
Are bhai.... 10 year mein 2 times recession toh pacca aayenga.... uska effect nahi bataya
6th year se SIP kaha hua? Wo to same paisa aaj hi gaya aur aaj hi withdraw hua. To is se acha to hai ki EMI aur SIP ke bich ka jo difference hai, utna hi SWP kiya jaaye 6th year se.
First in First out.
Jo unit pehle saal mein mila woh pehle redeem hoga.
@@Risheei us se kya fark padega. Pahle ke unit lower price par the the jyada unit redeem hoga.
But sawaal to ye hai ki extra paisa daal kar ke fir se ussi paise ko SWP karne se better to ye hai ki jo difference hai utna amount ya unit redeem karo. Yaha bhi First wala hi redeem hoga.
@@Anupkumar-hk1zr bhai saab. pehle ke unit ka price ab ke NAV se milega. Zyaada redeem nhi hoga.
@@Risheei Arre bhai sahab yaha nav aur unit se koi lena dena hai hi nahi. Aapko bank ko 35000 dena hai. Aap 22000 sip me daale, aur pahle se daale huye 22000 nikaale. Apne pocket se 13000 milaaye. Aur bank ko 35000 de diye. To sip ka fayada kaha mila.
Ek dam sehi keha, SIP ko ager aise withdraw kiya toh tax zayada pay karna padega
You are just confusing bro..at the end of 5 years instead of taking 17lakhs as loan...you can pay those 13lakhs as downpayment and take 4 lakhs as loan..then your emi will be 8,300 and you can continue remaining 13740(22040-8300) as sip and at the end of tenth year your car loan will be over and you will be left with 11-12 lakhs corpus
Bhai koyi devidend deta hai us share me lumsome invest karo devidend lelo emi baro
1300000 mai nayi gadi a jati hai bhai fir swp karke interest kyo pay kare 😢😅😂
35k monthly EMI 😂 this guys calculator is off
In sab main widraw ka tax 10% lagta hain wo kon batayega 😂
Kisko gaadi abhi chaiye woh 5 saal bd kyu lega bhaii
❤
What about taxation?
Left chat 😂
I beg to differ here.. The best option is to payoff 13lac from the accumulated amount as down payment and take car loan for the remainder 4 lacs.
If taken for 3 years at 9% rate, the monthly EMI comes to around ₹12k and total interest paid will be around ₹58k after 3 years.
If taken for 5 years, the monthly EMI will be around ₹8k and total interest paid will be around ₹98k after 5 years.
In both the above cases we don't need to continue the hefty SIP amount for another 5 years to fulfill this goal. Rather we can invest the balance amount for some other objectives.
Give a like if this plan makes sense.
Short term and long term investment tax dekha, hath me kuch nahi ayega
Ek hi mutual fund scheme me SIP & SWP kar sakte hai????
Yes
Yes
Yes.mere 4 fund chalu hai bhai
@@gkeducation6631xirr Kitna hai
LTCG bohot dukhi hua
What about IT return??😂😂
समझ नही आ रहा थोड़ा देसी भाषा मे समझाओ
Are bhai paisa to hona chahiye....
Impossible
Bullshit strategy!!
Instead of this wait till 6th years when you have 18.88 Lakh and buy the car in full cash and you have 1.88 lakh in your hand.
Now keep the investment going on.
i.e 23,803 for 7th year with 8% increment.
So now time to calculation
Balance after withdrawal act as initial investment : 1.88 Lakh
23,803 monthly investment with 8% increment.
and now at end of 4 year you have 19.43 lakh instead of 13.54 lakh.
Tum bade wo ho
Samje ?
Nahi samje ?
Nahi tu nahi samja 😂😂😂😂
gdha
😂😂😂😂😂😂😂😂😂paisa majak hai kya.ye mathematics loan executive vale bhi nahi chalate
8% का स्टेप अप फट्टे फाड़ देता है , मिडिल क्लास वालो के घर के बर्तन ना बिकवाओ सर जी।
Buy used cars
Sir ji 2:40 jo car emi ka calculation hai wo monthly hai 35k.... Aur aap jo excel me bata rahe ho wo yearly 35k minus kar rahe ho... Is hisab se to app apke followers ko chu#*ya bana rahe ho...
Abey o kya bolna tha o bolna bey
Bakwas...
Log ye bakwaas-baji kaha se seek ke aate hai
Faltu plan
Kya bakchodi hai ye? Do you think the car value will be 17 lakh if you are buying the car after 5 years?? Kuch bhi huh 😂