2 major things missing in the video : a) Instead of naming just 1 fund, you should have named atleast top 5 funds as per you and show a table consisting of various parameters on which u gauged them b) u didnt discuss abt the taxation of these funds, which again is a major concern for retail investors
FINANCE WITH SHARAN said : “Budget has made a lot of changes in the taxation. Earlier debt funds were taxed at 20% plus indexation benefits. Now that has gone away and they are saying all debt funds will be taxed as per income slab, so all your liquid funds, short-term dead funds, All of that has become waste. You should not invest in those anymore. Putting in liquid funds is as bad as putting in savings account because liquid funds give let's say 5% returns and plus tax as per your income slab, so its actually worse than a FD.” Whats your opinion on this Pranjal sir?
@@Nikhil-pk5jcbhaai jo liquid fund me invest kar rha wohi kaise khudko no income category me dikha de ? Aur dikha bhi Diya maan lo toh sarkaar pakdegi nhi kya ki tum no income waale investment ke liye paisa kha se laa rhe ho ?
great insights from you. after watching the video i compared quantum liquid fund Vs JM Liquid fund. In terms of returns and expense ratio JM is better. Any specific reason to stick with quantum. Even CP holdings is higher in Quant when compared to JM Please share your thoughts
It’s Depend on purpose bro. If you want to invest in Gold for long time go for SGB. If you want asset allocation or understand Gold volatility to park money in safer side during less market opportunities than ETF will be better.
What's your opinion on keeping Debt funds like Liquid, Short, Ultra Short and Low Duration for long term for purpose of reducing volatility of portfolio?
I bought the finology one plan 2 months ago on September 8th but there is a lot of error in the information given about the stock. When I check the stock information on the ticker, there is information that is not updated. Please do not buy the plan. finology not prompt
the time i started doing my own research I feel a sense of bais here. 0.07% is way lower than the Quantum 0.15% also if we analyse the category average Quantum fall short on 3month and 6 month return. Liquid fund are meant to be lower risk only. they invest absed on RBI set rules. I feel high return and low expense ratio with better AUM should be priority, and UNION LIQUID Fund fits best in it.
Bhaiya i Loved this amazing content and ur analysis ❤ with all due respect we are missing many details as per my learning from ur channel and through you.... What would be tax if we sell , how they treat dividend for example from last so many months we have new zerodha liquid fund which is unique in its own way they are adding dividends in the fund itself?
Okay I got to ask, one of the main point to be considered while investing in liquid fund is AUM. The quantum liquid fund you suggested is having an AUM of less than 475 cr. I mean it does not makes sense to invest in such a fund with so much less AUM
Sir i just want to ask ki midcap mutual funds mai sirf, "MOTILAL OSWAL MIDCAP 150" hi itna purana kyo hai ,kyo nhi dusri companies ne midcap 150 mai 5 saal phle se apna fund launch kiya Most of the companies ne हालफिलहाल mai hi funds launch kiya hai And sir kyo midcap 150 index mai sirf motilal oswal hi solo player dikhta hai Do reply sir
Motilal mid 150 - first they have a long vision, mf is performing well in the last fall it performed better than parag Parikh Flexi Cap don't think much if you wanna go for mid cap and 150 will add a bit of advantage
Looking for video on arbitrage fund as well, since liquid fund is taxed as per income tax slab, so I would want to park any emergency fund or short term fund in arbitrage instead of liquid due to taxation
@@Shivam32111 I think if you can hold money for more than one year, there are some good arbitrage funds in market, because the tax will be 12.5% unlike liquid funds. To suggest a particular arbitrage fund, I think I am not qualified enough. Lets wait for Pranjal to respond.
Hi, Can you make video on 2 point 1) Where to shift my money which is available in trading account for short time (upto 2-3 months) during opportunity missing in market. 2) Where to Park my Emergencies fund ? Debt Mutual fund vs FD vs liquid fund vs saving account (Auto swipe ) ?
1. There's something called LiquidBees. Look into that. 2. Park emergency funds in bank savings account. FD or Liquid fund which this video talks about.
Instant withdrawal facility kiyun nahi hai liquid funds mein? Mera 40-50k liquid fund mein side karke rakhun, orr achanak se koyi emergency aye to 1-2h mein account mein aa jaye aysa kuch fund nahi?
Lekin mujhe toh immediately paise chahiye hota hai....jaise market girta hai mujhe koi stock buy karna hai...toh liquid fund se paisa milega ?? Next din paisa leke kya ksrna hai ? Ho sakta hai next din woh stock upar chala jaye.
Par ye liquid fund mein fayda hua toh 20% tax bhi toh dena hoga short term mein,, fd mein agar koi slab mein nahi aata uska tax bach jayega.. please any views on this
Too Less AUM ... I would prefer HDFC, ICICI or Kotak .. Willing to compromise little more on expense ratio but higher AUM will mean that fund house will take this scheme seriously.
Thinking to park money left in the end of month in liquid fund as it will work for me as emergency fund and i want to sweep out the amount i need not the whole amount, will it be right??
Hello Sir, big big fan..Can you please make 1 video or suggest what should I do to secure and invest for my New born baby girl. Any 2-3 best investment suggestions ?
Can anyone suggest do I need any modifications. 1) JM flexi cap:7k 2) Quant small cap:5k 2) Motilal midcap: 7k pp elss tax:50k motilal oswal elss:30k please suggest any modifications risk moderate to high 10 to 15
what is the taxation system for liquid funds? Do we have to sell and re-invest in liquid funds every year, to protect the invested amount from inflation. Because the liquid funds generally have returns around 7% for 1 year, and after that it decreases
Bhai Quant AMC is not a safe playing AMC, by instinct they are aggressive.. Look at their returns in small cap and mid cap, they were topping the charts till recently with crazy returns.
Sir I am from a middle class family we arrange 25 lakhs lumpsum amount for buying a home but for some reason we don't confirm the property so I invest the full amount in Union Liquid fund then my bank manager called me and said that I made a wrong decision and take out the money as soon as possible. Please help me sir. Please tell me the truth
2 major things missing in the video :
a) Instead of naming just 1 fund, you should have named atleast top 5 funds as per you and show a table consisting of various parameters on which u gauged them
b) u didnt discuss abt the taxation of these funds, which again is a major concern for retail investors
Taxation is as per slab in liquid funds
Commercial 😅
Pranjal Bhai, your videos are qualitatively higher and more trustworthy than others.
👍👍
I was searching liquid fund and got pranjal. Thank you Boss
Sir Abhi Aapka hi Liquid fund ka Vedio dekh rha tha aur aapka ye Vedio aa gya.😊
FINANCE WITH SHARAN said :
“Budget has made a lot of changes in the taxation. Earlier debt funds were taxed at 20% plus indexation benefits. Now that has gone away and they are saying all debt funds will be taxed as per income slab, so all your liquid funds, short-term dead funds, All of that has become waste. You should not invest in those anymore. Putting in liquid funds is as bad as putting in savings account because liquid funds give let's say 5% returns and plus tax as per your income slab, so its actually worse than a FD.”
Whats your opinion on this Pranjal sir?
Yes
what if no income no tax ,be smart
FD is also taxed in slab rate
@@chiranjeevip9891 yes where to invest for liquid fund with max return??
@@Nikhil-pk5jcbhaai jo liquid fund me invest kar rha wohi kaise khudko no income category me dikha de ?
Aur dikha bhi Diya maan lo toh sarkaar pakdegi nhi kya ki tum no income waale investment ke liye paisa kha se laa rhe ho ?
great insights from you. after watching the video i compared quantum liquid fund Vs JM Liquid fund. In terms of returns and expense ratio JM is better. Any specific reason to stick with quantum.
Even CP holdings is higher in Quant when compared to JM
Please share your thoughts
For emergency fund which is the better option fd or liquid fund?
I have 2 questions -
1. Lumpsum investment or SIP in Gold ETF?
2. Buy ETF or SGB from secondary market?
It’s Depend on purpose bro. If you want to invest in Gold for long time go for SGB. If you want asset allocation or understand Gold volatility to park money in safer side during less market opportunities than ETF will be better.
What's your opinion on keeping Debt funds like Liquid, Short, Ultra Short and Low Duration for long term for purpose of reducing volatility of portfolio?
I bought the finology one plan 2 months ago on September 8th but there is a lot of error in the information given about the stock. When I check the stock information on the ticker, there is information that is not updated. Please do not buy the plan. finology not prompt
Very well explained. Thanks a lot.
Hi Pranjal, when is debt fund video coming?
Debt fund for goals like : buying house in 5 years, car in 3 years , etc
Duration based best debt funds.
Premature withdrawal me 1% penalty is on interest. Not principal.
Premature ejaculated suna hai maine bas
Brilliant explanation PK sir
Kindly make a video on conservative hybrid fund. Who is it meant for ? What is the ideal time frame ? Expected returns ? Etc...
Sir..Why not to select Union liquid fund direct growth ..which has expense ratio 0.07 % compared to quantum liquid fund....
the time i started doing my own research I feel a sense of bais here. 0.07% is way lower than the Quantum 0.15% also if we analyse the category average Quantum fall short on 3month and 6 month return.
Liquid fund are meant to be lower risk only. they invest absed on RBI set rules. I feel high return and low expense ratio with better AUM should be priority, and UNION LIQUID Fund fits best in it.
Please make video on the various finology products, it help audience to select the right one as per there need.
Sir mutual fund VS ETFs konsa better hai isper video banao ❤❤❤
Bhaiya i Loved this amazing content and ur analysis ❤ with all due respect we are missing many details as per my learning from ur channel and through you.... What would be tax if we sell , how they treat dividend for example from last so many months we have new zerodha liquid fund which is unique in its own way they are adding dividends in the fund itself?
Best Video on Funds
Modiji....😂😂😊
I thought you would cover Arbitrage funds also...but found no mention of them...
Please cover Arbitrage funds also and their tax implications
Thanks
Pls do 1 video on best international (USA) MF to invest in for long n short term
Thanks 🙏
Okay I got to ask, one of the main point to be considered while investing in liquid fund is AUM. The quantum liquid fund you suggested is having an AUM of less than 475 cr. I mean it does not makes sense to invest in such a fund with so much less AUM
Salaam sir ma UBL digital application ma gya funds py click kya 1000 send kr dya 1 account pop-up huwa tha ous py agya kya ho ga kya ni I'm confused 😕
Please compare liquid fund and arbitrage fund, since arbitrage funds are attractive in terms of income tax
do long do we have to start investing in this liquid fund 4-5 months only??
Good evening sir 💐
Please make videos on thematic funds also 🙏
I was just about to research on Liquid funds and here I am thanks nicely explained
Hello
Pranjal ji,
What should be the duration of holding in quantum liquid fund?
Sir i just want to ask ki midcap mutual funds mai sirf, "MOTILAL OSWAL MIDCAP 150" hi itna purana kyo hai ,kyo nhi dusri companies ne midcap 150 mai 5 saal phle se apna fund launch kiya
Most of the companies ne हालफिलहाल mai hi funds launch kiya hai
And sir kyo midcap 150 index mai sirf motilal oswal hi solo player dikhta hai
Do reply sir
Motilal mid 150 - first they have a long vision, mf is performing well in the last fall it performed better than parag Parikh Flexi Cap don't think much if you wanna go for mid cap and 150 will add a bit of advantage
@androcreed9860 ❤️❤️
Looking for video on arbitrage fund as well, since liquid fund is taxed as per income tax slab, so I would want to park any emergency fund or short term fund in arbitrage instead of liquid due to taxation
@ ye kya fake account baazi chal rahi hai?
Can you suggest arbitrage funds?
@@Shivam32111 I think if you can hold money for more than one year, there are some good arbitrage funds in market, because the tax will be 12.5% unlike liquid funds. To suggest a particular arbitrage fund, I think I am not qualified enough. Lets wait for Pranjal to respond.
How to invest in liquid fund
Kya hun one time invest ker sak te h in liquid fund
Or kase kar na h
Pr kis platform ka use krk invest kre
One of the major parameter of liquid fund is AUM
Knowledgble vedio ♥️
Pranjal ji,
Can you recommend any other debt fund
Hi,
Can you make video on 2 point
1) Where to shift my money which is available in trading account for short time (upto 2-3 months) during opportunity missing in market.
2) Where to Park my Emergencies fund ? Debt Mutual fund vs FD vs liquid fund vs saving account (Auto swipe ) ?
1. There's something called LiquidBees. Look into that.
2. Park emergency funds in bank savings account. FD or Liquid fund which this video talks about.
From a taxation perspective, isn't an arbitrage fund better suited over a liquid fund, since the taxation change?
Please Address:- Why we are not taking value index(Ex. Nifty 50 value 20) fund for large cap fund
Instant withdrawal facility kiyun nahi hai liquid funds mein? Mera 40-50k liquid fund mein side karke rakhun, orr achanak se koyi emergency aye to 1-2h mein account mein aa jaye aysa kuch fund nahi?
Pranjal, you didn't do a Q & A video on your previous 2 videos 😢
Lekin mujhe toh immediately paise chahiye hota hai....jaise market girta hai mujhe koi stock buy karna hai...toh liquid fund se paisa milega ?? Next din paisa leke kya ksrna hai ? Ho sakta hai next din woh stock upar chala jaye.
Please make a video for debt funds
Short term
Gilt
Dynamic bond funds
Thanks😊!
Sir emergency main nikala toh nikal sakte hai kya. Aur niklate samay utne time kay fayda milta hai kya
Haan nikal skate hain.. jitne din rakhoge utne din ka interest milega. Interest daily aata hai..
Why not Mirae asset liquid fund? Aum is good, Expense ratio is lower than quantum... Return is average better than quantum
Can I invest for a year in liquid funds??
Kya hum different different liquid fund me invest kr sanmkrte hai kya
Can you suggest one best Debt fund?
Par ye liquid fund mein fayda hua toh 20% tax bhi toh dena hoga short term mein,, fd mein agar koi slab mein nahi aata uska tax bach jayega.. please any views on this
Tax slab me nahi to MF pe bhi tax nahi lagata
@@sanjaymaurya5123tax slab mein hoge toh lagega na bekar hai yeh short term liquid mf uss anusaar bekar hai
To bhi कोई नुकसान नहीं 4,5% fix hai or ye bahut hai bro
Sir Best Liquid ETF Kya Hai.
FD is better than Liquid Fund. Pre-mature withdrawal is also allowed.
Plz make a video on best investment plan for children
Sliver ETF which is best and describe please creat a video for this
Why not to select Union liquid fund direct growth ..which has expense ratio 0.07 % compared to quantum liquid fund.
sir kis app se invest karna hai
What about arbitrage funds?
Are we done or we are having more categories?
So I can finally allocate the amount..
sir,
Stable money me FD karna safe hai ya ni el video banaiye please
Pls make a video on debt funds🙏
mirae asset nyse fang etf iss pe iss br view nhi diya apne...?
Thank You For 45 subscribers ❤❤
Sir what about taxation on withdrawal from liquid funds ?
Too Less AUM ... I would prefer HDFC, ICICI or Kotak .. Willing to compromise little more on expense ratio but higher AUM will mean that fund house will take this scheme seriously.
Can you make a video on other Debt Funds as well - Short duration , Low Duration etc
Thinking to park money left in the end of month in liquid fund as it will work for me as emergency fund and i want to sweep out the amount i need not the whole amount, will it be right??
Thanks alot.. Can I invest from Grow application?
Yes bro
When are you bringing video on Q&A on ELSS funds
Hello Sir, big big fan..Can you please make 1 video or suggest what should I do to secure and invest for my New born baby girl. Any 2-3 best investment suggestions ?
Sir, Finology 30 stocks me se 2 stocks toh reveal kar dijiye 😅
I have a question..Why dont you invest in mutual fund youself?
Could you please make a video on Best REIT in india.
SBI and HDFC liquid fund is better with instant redemptions
Thank you sir
Hello bhai …finology 30 monthly plan Mai …stock advise milega kya?
Payment me problem ho rha h fonology 30 me
Hi sir can you suggest me which funds should I choose for lumpsum amount of 5lakh...?
What about overnight fund as alternative of saving account?
Apne 6to 7 %btaya mile to acha h lekin kotak me to fd wala return milta h seving acount pe
Kindly share your views on funds for SWP
Namaskar sir ji ❤
What about Bank of India liquid fund?
Can anyone suggest do I need any modifications.
1) JM flexi cap:7k
2) Quant small cap:5k
2) Motilal midcap: 7k
pp elss tax:50k
motilal oswal elss:30k
please suggest any modifications risk moderate to high 10 to 15
Is it safe to invest emergency fund in liquid fund. Plz reply
Yes it's safe coz it's invest in Govt Securities👍
what is the taxation system for liquid funds?
Do we have to sell and re-invest in liquid funds every year, to protect the invested amount from inflation.
Because the liquid funds generally have returns around 7% for 1 year, and after that it decreases
मुझे 270 Subscribers तक पहुँचाने के लिए आप सभी का मैं दिल से धन्यवाद करता हूँ ❤🙏
Bhai Quant AMC is not a safe playing AMC, by instinct they are aggressive.. Look at their returns in small cap and mid cap, they were topping the charts till recently with crazy returns.
I have recommended quantum, not quant
@pranjalkamra Oh yes my bad¡¡
Thanks a lots for this vedio , its help to invest short term
Finology30, Protfolio mein kitna Paisa invest kerna parega minimum????
For parking emergency fund b/w FD and liquid fund which is better?
SBI BANK FD yono aap se emigiat withdrawal kar sakate hai
Include how to get it too
Best swp kuch hota hai to batado❤.
Pranjal bhaiya 6-7% returns annually btaye aap ya 91 days ke
Kyuki fd ka rate hi 7.5%chal rha he most banks me
Sir I am from a middle class family we arrange 25 lakhs lumpsum amount for buying a home but for some reason we don't confirm the property so I invest the full amount in Union Liquid fund then my bank manager called me and said that I made a wrong decision and take out the money as soon as possible. Please help me sir. Please tell me the truth
Please suggest fund for Swp
What will be tax on liquid fund
What about LTGILTBEES ETF FOR LIQUID FUND
Can we put our emergency fund in these liquid funds?
Fd
Excellent Fund
I’ve kept 50% of my emergency fund in liquid fund and 50% in cash, is that right?
sir, what are the difference in terms of taxes(fd and liquid fund)