Related Videos: Capital Gains Tax Explained: th-cam.com/video/9Sy8uINjI3E/w-d-xo.html Understanding Share Market: th-cam.com/video/8_uAwsJroB0/w-d-xo.html Investment Priorities for Maximum Tax Savings (USA): th-cam.com/video/nIUxfSXEdHQ/w-d-xo.html Index Fund Investing: th-cam.com/video/RnBpP-lHNgw/w-d-xo.html Early Retirement Path: th-cam.com/video/QGvV-_PRKIo/w-d-xo.html
Good Morning Sir😊 Nice explaination👌👌 about Tax on Investments. We don’t need multi-baggers to be financially independent. A decent job, aggressive savings, prudent investing and twenty years of time will make it happen.
Hi Vijay Mohan Sir, Thanks for this analysis. Highly underrated channel. My 2 cents - Suggest to split the video's for India and US markets so as to gather more traffic. US related videos could be in English so that Pan-Indian NRI/Global audience can be benefited & adds more subscribers. Indian video could be in Tamil to start with, to relish the nativity & subtle humor :) law of deferred tax compounding is amazing. wish we had such financial teachers rt from our early college days ! Pls do give a thought on penning a book!
நன்றி. சகோதரன். உங்கள் தகவல் எனக்கு மதிப்புமிக்கது. பங்குச் சந்தை மற்றும் நிதி நிர்வாகத்தில் நீங்கள் எனக்கு நிறைய வழிகாட்டுகிறீர்கள். கடவுள் எப்போதும் உங்களை ஆதரிப்பார்.
Love from Kerala ❤️ All videos are Very informative, Your teaching style is simple & clear So it very helpful to understand. I will give all my support to you & your channel, Thank you 😍
Great Video as always sir. Keep up the great work! Getting neutral and unbiased financial advice is very rare in this internet age where everyone recommends different financial products for their own commissions. So your videos are extremely helpful. Any video showcasing the savings gained by capitalising on the 1Lakh exemption on LTCG and then reinvesting this amount would be very helpful sir (preferably with any spreadsheets).
I was explaining same topic to a colleague yesterday. But haven’t succeeded clearly. And today morning I just forwarded this video link :-) Last week I was asking auditor on wash sale kind of talk. Now I decided to wait till weekend for any clarification or keep the financial talks for Mondays instead of Fridays :-) Thank you and All the best for future videos:-) Looking forward
Hi Sir, Each and every video of you are correcting my mistakes in my investment path. you are a gem for us. Thanks much much for your time and videos sir.
I am very happy with your explanations which are in Tamil specially. As you said no one teach us financial tools but I thank you from bottom of my heart to explain everything in Tamil. I do not see videos in TH-cam explained in details in Tamil. Hats off sir. I also trade stocks but mostly in forex. If you have time please explain in brief about strategies used in forex market. I will suggest a book called “ Technical analysis of financial market” author of John Morphy. Be well. Take care
Thanks! This video helped me understand how much I underestimated Trad 401k. Can you please share your thoughts on managing employer provided stocks for an index investment mindset?
Hi Sir, The contents provided by you is very exclusive and easily interpretable. Thanks for enlightening us with your knowledge and experience. Expecting similar videos in the future ❤️ I need your thoughts on how to manage Employee Stock purchase plan
Hi Sir , Very nice insights you have a very good analysis and telling how to take care of the Tax component. I really enjoy ur video and the way to explain .. Really good..
Thank you for your content Vijay! Could you please do a video on "Tax loss harvesting" with scenarios? There may be many who have already bought in the "highs/Peak" and have incurred/realized losses on their positions this financial year, courtesy: Bitcoin crash, so your strategy to help in the situation will be valuable for many. Thanks Again!
Always new learning , power of tax deferred compounding 👌👌👌👌👌👌, This channel is financial mine🏞️💛💥🔥 👏👏👏👏, Your way of Giving back to society is awesome, it's more than money
@@InvestmentInsightsTamil spending your time, and adding value to others life , neenga vera level,👏👏👏👌👌🤝 I still strongly believe this is not the place You can stick should reconsider soon or later and add some brand value again doing some course in Harvard or Stanford, for the next push , You need to go more places and more platforms for your thoughts proceess and maturity.
Vanakkam Anna, This is a MILLION DOLLAR Video. Actually, It's PRICELESS. Can you kindly clarify on how the Funds invested in Index Funds will be compounding?
The compounding comes from the growth. Nasdaq 100's ETF QQQ was at $54 10 years back. Now the price is $382. That means, it has grown at a rate of 21.6% every year.
Thank you very much for your videos. I have been following your channel for the past four months and you have given great insights into many complicated topics and that too in a simple and easy to understand language with really nice examples. Thanks again. I am sure you have many topics lined up. Jusy like many, I do have one for you to consider. "What are the advantages or disadvantages of moving to California at the age of 40 with family from a relatively cheaper state like Raleigh or Charlotte assuming we have a good career opportunity?"
Dear Sir, Thanks for you precise, concise, concrete and simple and easy to understand videos. At 3:21 could you please explain (or link) on how do use 1L tax benefit whenever gains exceeds 1L each yearly? Thanks, Kind regards Rajesh
If the share is sold just after 366 days, the capital gains will be taxed as a long term capital gain. The gains will be different in this case. I think you meant trading to be holding less than 366 days. Thanks for the video!
I thought I was clear in the video. "Ean na, trading pannum pothu, kandippa oru varusathukullaye, vaangi vithu iruppom. Appadina antha gainsku, naama varusam, 15% tax kattanum. "
Sir, நீங்கள் இந்தியாவில் உள்ள பயனுள்ள சேமிப்புத் திட்டங்கள் எவை எவைகள் உள்ளன என்பதை பற்றி ஒரு வீடியோ பதிவு செய்தால் அனைவருக்கும் மிக பயனுள்ள பதிவாக இருக்கும். நன்றி!!!
Your Videos are really helpful and Genuine in accepting that this is just a theory and it could vary in realtime.. Its the fact people should understand.. I have a very basic question on the returns you have stated above Let's say I have invested Rs.10000 ( ex: Bought 100 share ( Rs.100/share) and got a return of 10% in the first year.. The next year ,you have calculated that investment would be 11000... But that can happen only if I sell and re-invest the money again right? ( Should we do that in longterm every year?) To be clear, Can you explain this in number of shares and its cost perspective?( because I assume If we are not going to sell and re-invest, the number of shares remains same in next 25 years)
No. The units remain the same. The growth is in the price of the units. For example, Nasdaq 100 ETF QQQ was $54 10 years ago and now it is at $382. This means it has grown at a rate of 21.6% in the last 10 years. If I have bought 1 unit of this ETF 10 yrs ago, I would have paid $54. Not its price is $382. Makes sense?
@@InvestmentInsightsTamil ah got it.. So in my case, assuming the stock has avg return of 12% every year which means the stock price will be ~Rs.400 after 25 years?
@@InvestmentInsightsTamil Sounds good.. this works for a lump sum one time investment and watch it growing every year.. How do you compare this with regular investment.. What would be the ideal return for the same.. Let's say, I have Rs.1000 and I bought 10 shares ( 100/share) today.. After a year the share price increase to 120.. I bought another 10 shares ( 120/share).. So now my profit % split it into half..[ I invested 2200 with avg cost of share 110/share - So now the profile would be ~ 9%) .. Assuming that repeats every year, what would be ideal % of return one should expect after 25 years.
Sir fund of fund means what? And what is liquid fund? And how to select liquid fund? Is it liquid fund is better than bank f.d and recurring deposit? Which is right investment for beginners?
Anna I love all your videos, its a great eye opener, your Maaathi yosi ideas are jus great, Anna I am planning to invest in stocks and bonds as per your advice, but I don't know how to start that, whether to use a financing related apps or banking app or direct buying, jus give me a demo pls na, will be very helpful, I am in India
I will do an episode on that in the future. For now, work directly with a fund house to open an account and buy the index fund. For example, you can open an account with UTI and invest in their Nifty Index fund Direct. www.utimf.com/mutual-fund-products/equity-funds/uti-nifty-index-fund/
Sir, please explain us difference between nifty index and ETF.. someone said index fund will change 2 times(Jan & July only) in a year.. if some stocks like yes bank default in Feb month, then index will keep buy further investment till July? Please show some light on it..
Fund reflects the underlying Index. There are rules that define which stocks make up to the index. If a stock is in financial trouble, the index would have removed it and so the fund that is tracking the index as well. I do not really see any reason to get concerned about this scenario at all.
Hello sir, Became a fan of yours. The way you are talking and showing the light towards financial insights are fantastic. Just need a suggestion from you. I have been doing a long term investment of on HDFC Bank stock which has given XIRR of 17% till date. Would you suggest me to invest this in index fund, going forward, or let it be there. Can you please suggest
Totally personally choice. If you are feeling confident about HDFC bank and if you can constantly monitor its business, you can continue to hold it. But if you do not have time to monitor it, better to switch to index fund.
Enaku few facts venum.. I want to make decision on Direct growth or Regular growth funds. I know both will have same stocks components and regular fund has intermediary and their charges. I want to know about risk among them. I want to go for long term 20+ years investment. Please update on that.. Facts to chose direct or regular fund.
As usual tharu maar video sir. For Roth 401K favorors, their side is that the tax rate may change in long term future and the tax rate what we have now is.one of the lowest in US history, so pay tax now... I am confused on this possibility and rationale. If possible pls clarify.
Well, there is no chance for cancelling no tax on ROTH? The risk is on both. We are actually nit picking here. In the grand scheme of things, we are totally OK with either. Go with the one you like or even split between two.🙂
@Investment Insights Hi Vijay. For Index fund investing with VG which is preferred to buy ETFs or Admiral shares by investing $3K for growth account and long term investing
@@InvestmentInsightsTamil I am planning to open IRA account with VG and start investing in admiral shares. ETFs are newly introduced so I am trusting on the former based on historical data evidence.
Agree on taxes on short term gains. But did you consider the fact that the same one lac can be traded again and again. Say you rotate the same lac 10 times a year..even if you win 3-4 times, you will easily make a decent earning more than 12% (exclusive of taxes)..please share your view on this..
Thats what Nithin Kamath has commented about. Only 1 in 100 earns an annual return more than FD rate by trading. It is your choice if you want to take those odds.
Sir is it better to invest in ELSS or other tax benifit fund which provides better returns over long time, when compared to PPF? Currently PPF provides ~8% ELSS funds provided around ~12-16%
Sir, I have a question regarding withdrawal of upto ₹1 lakh every year and buying back the fund again on LTCG. The NAV at the time of buying might be more in comparison to the ones we are selling. Which one is best based on the scenario you have given, i) Liquidating once for all at the end of 25 yrs or ii) Reinvesting in index after selling gain amount =< ₹1 lakh
Totally personal choice. It depends on the amount. If the portfolio is huge, it might not be worth the time. But if the portfolio is small, may be it is worth doing it. And yes, the price could be potentially higher in 2 days. We have to make a call on whether to do it for saving the tax or not. There is no "best" way for that.
Could you please tell me about lumpsum investment in funds can do again and again on the same fund. Not like one time investment? Ex : 50,000 investment on fund X today. Next year 50,000 can do investment on the same fund X on top of it ?
Hello Sir, as you suggest for beginners better avoid trading due to risk. My doubt is, if we invest in a good stock like TCS,Relaxo which has proven history and keep it hold for long term (15-20yrs) what risk it is going to associate with? since the share price of such companies were always keep increasing despite of the entry price in long term. Pl advise
You can definitely buy individual stocks if you believe in their future growth. But if you look back at the history, you will notice that top companies keep changing every decade and it is very hard to identify the top companies. Saying that, if you feel confident about a business, go ahead and buy it.
Sir u said 1.5 tax exemption which is applied for everytime we receive 1.5 lac profit. If we reinvest again and again should we get benifited , then why they introduced ELSS mutual fund , I can't understand
Sir, Can you please pick a topic on “Can NRI (specially from USA) invest in Indian mutual funds or via DEMAT account in India?”. Please share your link if you have already covered this topic. Appreciate your feedback
Related Videos:
Capital Gains Tax Explained: th-cam.com/video/9Sy8uINjI3E/w-d-xo.html
Understanding Share Market: th-cam.com/video/8_uAwsJroB0/w-d-xo.html
Investment Priorities for Maximum Tax Savings (USA): th-cam.com/video/nIUxfSXEdHQ/w-d-xo.html
Index Fund Investing: th-cam.com/video/RnBpP-lHNgw/w-d-xo.html
Early Retirement Path: th-cam.com/video/QGvV-_PRKIo/w-d-xo.html
Sir, your channel is becoming my destination for certain financial questions that I can’t get answer from even google. Thanks as always.
Good Morning Sir😊
Nice explaination👌👌 about Tax on Investments.
We don’t need multi-baggers to be financially independent. A decent job, aggressive savings, prudent investing and twenty years of time will make it happen.
Agreed👍
நிறைய மக்கள் வாழ்க்கையில் ஒளி ஏற்றிக்கொண்டிருக்கிறீர்கள். ஜெர்மனியிலிருந்து நன்றி.
Hi Vijay Mohan Sir, Thanks for this analysis. Highly underrated channel. My 2 cents - Suggest to split the video's for India and US markets so as to gather more traffic. US related videos could be in English so that Pan-Indian NRI/Global audience can be benefited & adds more subscribers. Indian video could be in Tamil to start with, to relish the nativity & subtle humor :) law of deferred tax compounding is amazing. wish we had such financial teachers rt from our early college days ! Pls do give a thought on penning a book!
தெளிவான மாறுபட்ட கோணம் வாரம் ஒரு பாடம் மிக்க மகிழ்ச்சி நன்றி வணக்கம்
நன்றி. சகோதரன். உங்கள் தகவல் எனக்கு மதிப்புமிக்கது. பங்குச் சந்தை மற்றும் நிதி நிர்வாகத்தில் நீங்கள் எனக்கு நிறைய வழிகாட்டுகிறீர்கள். கடவுள் எப்போதும் உங்களை ஆதரிப்பார்.
Romba Arumaiyana Vilakam sir. Long term Investers ku oru nambikai kudukudhu
Even a person with 0 financial knowledge will be awakened after seeing ur videos.. simple , neat n clean .. thank you sir ..
Love from Kerala ❤️
All videos are Very informative, Your teaching style is simple & clear So it very helpful to understand. I will give all my support to you & your channel, Thank you 😍
Sir Another intresting information about power of tax deferred compounding ( Earn interest on your Interest 😊) Thank you for your efforts!
One of the best Video I have seen recently. Thanks a lot for your knowledge sharing...
Great Video as always sir. Keep up the great work!
Getting neutral and unbiased financial advice is very rare in this internet age where everyone recommends different financial products for their own commissions. So your videos are extremely helpful.
Any video showcasing the savings gained by capitalising on the 1Lakh exemption on LTCG and then reinvesting this amount would be very helpful sir (preferably with any spreadsheets).
Invest and rest is better than invest and reinvest.
Thanks for your explanation and efforts.
I love the way you are explaining things, it is really easy to understand. Please tell us how to invest in index fund in both US and India.
I was explaining same topic to a colleague yesterday. But haven’t succeeded clearly. And today morning I just forwarded this video link :-)
Last week I was asking auditor on wash sale kind of talk. Now I decided to wait till weekend for any clarification or keep the financial talks for Mondays instead of Fridays :-)
Thank you and All the best for future videos:-)
Looking forward
Happy weekend Vijay! As an early subscriber friend, I could feel that you are making an impact on many people's financial journey. 😊
Kudos to you 🥳👍
காலை வணக்கம் from திருநெல்வேலி 🙏🏻
Thank you Sir. You have enlightened my investment knowledge.
Happy Teachers Day Sir🙏
நன்றி மோகன் jii. As a usual useful information .
Very useful information Mr Vijaya Mohan. I follow your videos regularly. Thanks
Hi Sir, Each and every video of you are correcting my mistakes in my investment path. you are a gem for us. Thanks much much for your time and videos sir.
Glad to hear that.
Happy teacher's day sir. Like this looking more educational content from you .
I am very happy with your explanations which are in Tamil specially. As you said no one teach us financial tools but I thank you from bottom of my heart to explain everything in Tamil. I do not see videos in TH-cam explained in details in Tamil. Hats off sir.
I also trade stocks but mostly in forex. If you have time please explain in brief about strategies used in forex market. I will suggest a book called “ Technical analysis of financial market” author of John Morphy.
Be well. Take care
Once again.. very informative, precise and to the point. Great Video, Mohan!
Excellent one Vijay !
Thanks! This video helped me understand how much I underestimated Trad 401k. Can you please share your thoughts on managing employer provided stocks for an index investment mindset?
Hi Sir,
The contents provided by you is very exclusive and easily interpretable.
Thanks for enlightening us with your knowledge and experience.
Expecting similar videos in the future ❤️
I need your thoughts on how to manage Employee Stock purchase plan
Good morning sir from Singapore. Very useful information. Thank you.
Hi Sir , Very nice insights you have a very good analysis and telling how to take care of the Tax component. I really enjoy ur video and the way to explain .. Really good..
Makes lot of sense. Thanks for the video!
Super sir. As usual the best
Another excellent video.kind request to make a video about closing out assets in India and ways to bring that to US.
Thank you for your content Vijay! Could you please do a video on "Tax loss harvesting" with scenarios? There may be many who have already bought in the "highs/Peak" and have incurred/realized losses on their positions this financial year, courtesy: Bitcoin crash, so your strategy to help in the situation will be valuable for many. Thanks Again!
Always new learning , power of tax deferred compounding 👌👌👌👌👌👌,
This channel is financial mine🏞️💛💥🔥 👏👏👏👏,
Your way of Giving back to society is awesome, it's more than money
Thank you for those kind words Prabagaran.
@@InvestmentInsightsTamil spending your time, and adding value to others life , neenga vera level,👏👏👏👌👌🤝
I still strongly believe this is not the place You can stick should reconsider soon or later and add some brand value again doing some course in Harvard or Stanford, for the next push ,
You need to go more places and more platforms for your thoughts proceess and maturity.
Genius. Easy to understand and follow.
Vanakkam Anna, This is a MILLION DOLLAR Video. Actually, It's PRICELESS. Can you kindly clarify on how the Funds invested in Index Funds will be compounding?
The compounding comes from the growth. Nasdaq 100's ETF QQQ was at $54 10 years back. Now the price is $382. That means, it has grown at a rate of 21.6% every year.
Awesome explaination sir
good day, good explanation, diference between invest and trasing
Goood insight on Investment vs Trading, thank you. Patience pays more.Thank you.
Good One Vijay !
Very Good Explanation sir....
Close and buy index funds...seems best idea..
Excellent video Sir. Thank you
Thank you very much for your videos. I have been following your channel for the past four months and you have given great insights into many complicated topics and that too in a simple and easy to understand language with really nice examples. Thanks again.
I am sure you have many topics lined up. Jusy like many, I do have one for you to consider.
"What are the advantages or disadvantages of moving to California at the age of 40 with family from a relatively cheaper state like Raleigh or Charlotte assuming we have a good career opportunity?"
Dear Sir, Thanks for you precise, concise, concrete and simple and easy to understand videos. At 3:21 could you please explain (or link) on how do use 1L tax benefit whenever gains exceeds 1L each yearly?
Thanks,
Kind regards
Rajesh
Capital Gain Tax Explained: th-cam.com/video/9Sy8uINjI3E/w-d-xo.html
If the share is sold just after 366 days, the capital gains will be taxed as a long term capital gain. The gains will be different in this case. I think you meant trading to be holding less than 366 days. Thanks for the video!
I thought I was clear in the video. "Ean na, trading pannum pothu, kandippa oru varusathukullaye, vaangi vithu iruppom. Appadina antha gainsku, naama varusam, 15% tax kattanum. "
Got it. Thanks! Keep up the good work.
Super sir please post more videos on tax exemption
Thank you sir. Very useful info.
Awesome explanation ❤️
Kaalai vanakkam sir... 🙏🙏🙏🇲🇾🇲🇾🇲🇾
Please speak about Investment Trust and it's pros and cons
Please talk in detail about college financials, with tips on how kids can save. English subtitles would be great plz
USA College Savings plan - 529: th-cam.com/video/LrK1jU01Feo/w-d-xo.html
USA College expenses: th-cam.com/video/qMaRl1xPyYM/w-d-xo.html
good one bro 👍🏼
Sir, நீங்கள் இந்தியாவில் உள்ள பயனுள்ள சேமிப்புத் திட்டங்கள் எவை எவைகள் உள்ளன என்பதை பற்றி ஒரு வீடியோ பதிவு செய்தால் அனைவருக்கும் மிக பயனுள்ள பதிவாக இருக்கும். நன்றி!!!
Thank you Vijay 🙏
Your Videos are really helpful and Genuine in accepting that this is just a theory and it could vary in realtime.. Its the fact people should understand..
I have a very basic question on the returns you have stated above
Let's say I have invested Rs.10000 ( ex: Bought 100 share ( Rs.100/share) and got a return of 10% in the first year.. The next year ,you have calculated that investment would be 11000... But that can happen only if I sell and re-invest the money again right? ( Should we do that in longterm every year?)
To be clear, Can you explain this in number of shares and its cost perspective?( because I assume If we are not going to sell and re-invest, the number of shares remains same in next 25 years)
No. The units remain the same. The growth is in the price of the units. For example, Nasdaq 100 ETF QQQ was $54 10 years ago and now it is at $382. This means it has grown at a rate of 21.6% in the last 10 years. If I have bought 1 unit of this ETF 10 yrs ago, I would have paid $54. Not its price is $382. Makes sense?
@@InvestmentInsightsTamil ah got it.. So in my case, assuming the stock has avg return of 12% every year which means the stock price will be ~Rs.400 after 25 years?
@@muthukumarramasamy1552 Yes. That is correct.
@@InvestmentInsightsTamil Sounds good.. this works for a lump sum one time investment and watch it growing every year.. How do you compare this with regular investment.. What would be the ideal return for the same.. Let's say, I have Rs.1000 and I bought 10 shares ( 100/share) today.. After a year the share price increase to 120.. I bought another 10 shares ( 120/share).. So now my profit % split it into half..[ I invested 2200 with avg cost of share 110/share - So now the profile would be ~ 9%) .. Assuming that repeats every year, what would be ideal % of return one should expect after 25 years.
I never thought tax deferred will make such difference. Can you please so make a video on Tax Loss Harvesting ...
Best stock broker for long term
Bro ur a Genius
Hi Vijay , Would suggest you do a video on insights about InvITs & REITs
Hello Sir, could you please explain how compounding applies if we have individual shares or baset of shares.?
Sir fund of fund means what?
And what is liquid fund? And how to select liquid fund?
Is it liquid fund is better than bank f.d and recurring deposit?
Which is right investment for beginners?
Sir konjam "CRYPTO CLOUD MINING WEBSITE'S" Pathi video podunga.
Anna I love all your videos, its a great eye opener, your Maaathi yosi ideas are jus great, Anna I am planning to invest in stocks and bonds as per your advice, but I don't know how to start that, whether to use a financing related apps or banking app or direct buying, jus give me a demo pls na, will be very helpful, I am in India
I will do an episode on that in the future. For now, work directly with a fund house to open an account and buy the index fund. For example, you can open an account with UTI and invest in their Nifty Index fund Direct. www.utimf.com/mutual-fund-products/equity-funds/uti-nifty-index-fund/
@@InvestmentInsightsTamil Thank you so much Anna, for your prompt reply, All de best for this great effort na
To beat index invest in index fund and pledge for Margin and Trade with that.
Make sure not to loose in trades 😂😂😂
Thank you sir.
நன்றி
As always very useful information.! Thanks sir.! Keep up the good work.! 👍🏻
Can you explain about investing in ULIP vs Mutual funds in India.?
Did you watch "Buying Life Insurance" episode? If not, watch it. You will know why ULIPs are terrible.
Thanks for the reply sir 👍🏻 will watch that episode.!
Sir, please explain us difference between nifty index and ETF.. someone said index fund will change 2 times(Jan & July only) in a year.. if some stocks like yes bank default in Feb month, then index will keep buy further investment till July? Please show some light on it..
Fund reflects the underlying Index. There are rules that define which stocks make up to the index. If a stock is in financial trouble, the index would have removed it and so the fund that is tracking the index as well. I do not really see any reason to get concerned about this scenario at all.
Hello sir, how to buy index funds using on-line platforms and also by offline.
Sir could you make a video on Investment priorities for maximum tax saving, in India? Already you did a similar video for USA.
Hi Sir, please talk about portfolio rebalancing.
Can you explain how dividend yield for each stock is calculated USA?
Hello sir, Became a fan of yours. The way you are talking and showing the light towards financial insights are fantastic. Just need a suggestion from you. I have been doing a long term investment of on HDFC Bank stock which has given XIRR of 17% till date. Would you suggest me to invest this in index fund, going forward, or let it be there. Can you please suggest
Totally personally choice. If you are feeling confident about HDFC bank and if you can constantly monitor its business, you can continue to hold it. But if you do not have time to monitor it, better to switch to index fund.
@@InvestmentInsightsTamil Thanks a lot, for taking your time to reply this.
Enaku few facts venum..
I want to make decision on Direct growth or Regular growth funds.
I know both will have same stocks components and regular fund has intermediary and their charges.
I want to know about risk among them. I want to go for long term 20+ years investment.
Please update on that.. Facts to chose direct or regular fund.
As usual tharu maar video sir. For Roth 401K favorors, their side is that the tax rate may change in long term future and the tax rate what we have now is.one of the lowest in US history, so pay tax now... I am confused on this possibility and rationale. If possible pls clarify.
Well, there is no chance for cancelling no tax on ROTH? The risk is on both. We are actually nit picking here. In the grand scheme of things, we are totally OK with either. Go with the one you like or even split between two.🙂
Please reply sir...
India le crypto trading ku this tax slab applicable ah sir
Hello - Can you please explain power of compounding for Mutual Funds vs Index Fund investing in USA
@Investment Insights Hi Vijay. For Index fund investing with VG which is preferred to buy ETFs or Admiral shares by investing $3K for growth account and long term investing
Go with that is convenient for you. Either is fine.
@@InvestmentInsightsTamil I am planning to open IRA account with VG and start investing in admiral shares. ETFs are newly introduced so I am trusting on the former based on historical data evidence.
Great video.. it clearly shows why trading is foolish :) Did you miss 3.8 net investment tax ?
Good point. Technically I did not miss as the example income I used was 120K. But yeah, for MAGI over 250K, 3.8% net investment tax is additional.
@@InvestmentInsightsTamil Partially you were correct. When it came to California Couple you did not account it :)
You got me there.🙂
Index fund return vs Guaranteed Term insurance return podunga sir
Agree on taxes on short term gains. But did you consider the fact that the same one lac can be traded again and again. Say you rotate the same lac 10 times a year..even if you win 3-4 times, you will easily make a decent earning more than 12% (exclusive of taxes)..please share your view on this..
Thats what Nithin Kamath has commented about. Only 1 in 100 earns an annual return more than FD rate by trading. It is your choice if you want to take those odds.
missing part is ETF brokage and management fee.
Sir please tell me about the future retail case vs amazon
Sir
is it better to invest in ELSS or other tax benifit fund which provides better returns over long time, when compared to PPF?
Currently PPF provides ~8%
ELSS funds provided around ~12-16%
Sir, I have a question regarding withdrawal of upto ₹1 lakh every year and buying back the fund again on LTCG. The NAV at the time of buying might be more in comparison to the ones we are selling. Which one is best based on the scenario you have given, i) Liquidating once for all at the end of 25 yrs or ii) Reinvesting in index after selling gain amount =< ₹1 lakh
Excuse me for the question but I'm just catching up with investment ideas
Totally personal choice. It depends on the amount. If the portfolio is huge, it might not be worth the time. But if the portfolio is small, may be it is worth doing it. And yes, the price could be potentially higher in 2 days. We have to make a call on whether to do it for saving the tax or not. There is no "best" way for that.
Sir , index fund where to take,?
Sir.. "long term" means.. how much year sir? 1 year?
Please explain about govt employee can invest mutual if so explain rules
Sure they can.
Hello Sir, can you please make an explanation video on gold investments? Like Digital gold using apps vs physical gold from stores
My take on gold investment: th-cam.com/video/MS7hLJUQiWU/w-d-xo.html
@@InvestmentInsightsTamil Thanks for the reply sir 👍🏻
Please explain about siba inu coin
Can you withdraw from brokerage account 80,000 per year without paying tax if you have no other income?
Sure.
How to manage if govt makes changes on Long time tax to higher rate in future. Lets say if they increase 10 %?
We can't do much about it. We have to pay what is due.
Could you please tell me about lumpsum investment in funds can do again and again on the same fund. Not like one time investment?
Ex : 50,000 investment on fund X today.
Next year 50,000 can do investment on the same fund X on top of it ?
Sure. You can invest on the same fund.
Hello Sir, as you suggest for beginners better avoid trading due to risk. My doubt is, if we invest in a good stock like TCS,Relaxo which has proven history and keep it hold for long term (15-20yrs) what risk it is going to associate with? since the share price of such companies were always keep increasing despite of the entry price in long term. Pl advise
You can definitely buy individual stocks if you believe in their future growth. But if you look back at the history, you will notice that top companies keep changing every decade and it is very hard to identify the top companies. Saying that, if you feel confident about a business, go ahead and buy it.
@@InvestmentInsightsTamil thanks you sir.
Sir u said 1.5 tax exemption which is applied for everytime we receive 1.5 lac profit. If we reinvest again and again should we get benifited , then why they introduced ELSS mutual fund , I can't understand
I said 1 Lakh. That is different from ELSS. You can see it as additional tax benefit that we could potentially take advantage of.
@@InvestmentInsightsTamil thank you sir,❣️
sir can u please share the google sheet link with view access.
Link is in the description.
Sir, Can you please pick a topic on “Can NRI (specially from USA) invest in Indian mutual funds or via DEMAT account in India?”. Please share your link if you have already covered this topic. Appreciate your feedback
Check this out: www.fincash.com/l/mutual-fund-houses-that-allow-usa-canada-nris-to-invest-in-india
Can you explain nfo ,is it safe to invest as new to mutual fund
If there is already a similar established fund in the market, there is no reason to look for a NFO. Just avoid it.