Great content! One minor correction: As per the income tax act, "equity oriented fund" means a fund (i) where the investible funds are invested by way of equity shares in domestic companies to the extent of MORE THAN sixty-five per cent of the total proceeds of such fund. So, =65% equity does not qualify for equity taxation.
Thank you Kirtan. Amazing video. I have been watching your videos through various youtube channels and youtube shorts videos. I never want to miss them at all. Very insightful. I am 58 and took early retirement 4 years back to pursue my passion Music production. I started investing actively since 2020 only. I would like to thank you whole heartedly for all the wisdom shared beautifully. God bless you.
Hi Kirtan, Appreciate your initiative. Saw your presentation on other investments channel. I searched you to reach here to learn from you. 4 videos seen, waiting for the remaining 11 in this series. My request to include, a lot of people like me at 62, realise late that the investment bus has been missed. Better late than never. Probably a category like me can also be benefited through curated videos for my class of viewers. Thanks a billion 🙏
Masterclass. Lucid explanation of taxation. Kirtan, please take up the merits and demerits of factor index funds. Specially from the point of actual performance vs. backtested data. Also quick data points (Fund P/E vs. Category P/E, Recent returns, etc) to determine whether a fund is following value based or growth strategy.
Dear Kirtan Shah, you said this mutual fund series is a 15 video series, but i could find only 4 from your play list. How about the rest? i found this series very informative, not many explain at such detail. please come up with the remaining videos, thanks in advance
Amazing video. Never knew about Debt +indexation category. Thank you. Can you please tell the taxation category for Commodities like Gold/Silver and foreign equity holding funds? A suggestion that when you use the word equity for taxation, please specify it is INDIAN equity as many funds now have foreign equity too. All the best and eagerly awaiting next video.
Hi Amazing video and superb explanation. But Sir you forgot to mention about the tax application on equity fund where LTCG 10% is applicable to only that amount where the gain exceed Rs 1 Lac.
The example assumes the same return on the debt plus indexation and on the equity fund. These returns are likely to be different. And I'm assuming typically higher for the equity taxation fund, mere than 65 equity...so what's important is what I get in hand after taxation and not necessarily lower tax. How does one figure out at which percent return the tax advantage occurs?
What about Balance Advantage or DAA taxation as they can move to 100% Debt as well ? Is that they take 65% arbitrage positions to keep Equity taxation ? Please suggest 🙏🏻
Really informative video for beginners like me...i have one doubt that v came to know that d gains are taxable, in other hand is there any tax applicable for our investments(sip) also .. For ex sip of 30,000 rs per month, so 3,60,000 per year...is this taxable?...plz clarify, would be helpful
Kirtan Great Content as always !! ULIP's are also taxed in a similar way ? If a ULIP fund falls under Debt+Indexation category , will the fund be eligible for indexation benefit like MF ?
As per tax concern which one is good for investment in long term domestic equity fund or international equity fund , as international fund may give return 12% or more than 12% in longer period, please advise??
Never knew this part. Thanks for making this video. I want to know the taxation in case of SWP. Will there be only exit load and expense ratio or tax too?
hello sir, agar kisi kaa portfolio me 3 funds hai hai jiska total investment 5 lac hai and current value 7lac hai to equity funds me 10% tax total value per lagega yaa each fund ke gain per... kindly explain
Thanks for the brilliant content. Which e.g. funds fall in the debt + indexation fund category. I understood the less than 65 percent and greater than 35 percent Funda but may I request an example of the name of such a fund. It will help. Thanks
DEAR SIR, I AM 68 YEARS OLD PLEASE MAKE A VIDEO FOR PEOPLE LIKE ME WHO HAVE LUMPSUM AMOUNT TO INVEST. PLEASE SUGGEST A STRTEGY WITH INFLATION PROOF RETURN TILL ALIVE AND IF POSSIBLE TO LEAVE SOME FOR NEXT GENERATION🙏
Hello Kirtan Do you help in making PMS, We r planning to invest in India, but have limitations on selection due to Govt limitation for North America. If you do is there any contact number or email to contact you. Thank you
Great content! One minor correction: As per the income tax act, "equity oriented fund" means a fund (i) where the investible funds are invested by way of equity shares in domestic companies to the extent of MORE THAN sixty-five per cent of the total proceeds of such fund. So, =65% equity does not qualify for equity taxation.
Thank you Kirtan. Amazing video. I have been watching your videos through various youtube channels and youtube shorts videos. I never want to miss them at all. Very insightful. I am 58 and took early retirement 4 years back to pursue my passion Music production. I started investing actively since 2020 only. I would like to thank you whole heartedly for all the wisdom shared beautifully. God bless you.
Superb! One of the best series to understand mutual funds. So lucid and clear!
Thanks. For this type of video I have searched a lot
any examples of mutual funds in the debt + indexation category?
Hi Kirtan, Appreciate your initiative. Saw your presentation on other investments channel. I searched you to reach here to learn from you. 4 videos seen, waiting for the remaining 11 in this series.
My request to include, a lot of people like me at 62, realise late that the investment bus has been missed. Better late than never. Probably a category like me can also be benefited through curated videos for my class of viewers. Thanks a billion 🙏
I am just excited & glad to have you as a viewer. Will try my best.
His way of explanation is very unique....
Thank you 🙏
Masterclass. Lucid explanation of taxation. Kirtan, please take up the merits and demerits of factor index funds. Specially from the point of actual performance vs. backtested data. Also quick data points (Fund P/E vs. Category P/E, Recent returns, etc) to determine whether a fund is following value based or growth strategy.
Will surely write on it
Thank You Sirji 🙏🙏🙏🙏🙏
Bhaila kadak 🙏
Dear Kirtan Shah, you said this mutual fund series is a 15 video series, but i could find only 4 from your play list. How about the rest? i found this series very informative, not many explain at such detail. please come up with the remaining videos, thanks in advance
Amazing video. Never knew about Debt +indexation category. Thank you.
Can you please tell the taxation category for Commodities like Gold/Silver and foreign equity holding funds?
A suggestion that when you use the word equity for taxation, please specify it is INDIAN equity as many funds now have foreign equity too. All the best and eagerly awaiting next video.
Thank you so much. Anything where Domestic Equity is below 35% is taxed as Debt which includes Gold, Silver, FOF, International funds
Hi Amazing video and superb explanation. But Sir you forgot to mention about the tax application on equity fund where LTCG 10% is applicable to only that amount where the gain exceed Rs 1 Lac.
The example assumes the same return on the debt plus indexation and on the equity fund. These returns are likely to be different. And I'm assuming typically higher for the equity taxation fund, mere than 65 equity...so what's important is what I get in hand after taxation and not necessarily lower tax. How does one figure out at which percent return the tax advantage occurs?
Excellent explanation, as usual.
Very informative, pls make similar video for stocks and for NRI
Will make one
Thank you, again 😊
Always a pleasure
Informative video
Great explanation. Can you please tell us how to find debt+indexation category funds?
Great Content
Thank You!
Good information
What is the point of taxation? Is it taxable only at the time of withdrawal?
What about Balance Advantage or DAA taxation as they can move to 100% Debt as well ?
Is that they take 65% arbitrage positions to keep Equity taxation ? Please suggest 🙏🏻
Hello, what about if person retires and withdraw only 5 lakh from debt fund, then he should not pay any tax ?
Really informative video for beginners like me...i have one doubt that v came to know that d gains are taxable, in other hand is there any tax applicable for our investments(sip) also .. For ex sip of 30,000 rs per month, so 3,60,000 per year...is this taxable?...plz clarify, would be helpful
Kirtan Great Content as always !! ULIP's are also taxed in a similar way ? If a ULIP fund falls under Debt+Indexation category , will the fund be eligible for indexation benefit like MF ?
ULIPs are taxed at equity
@@fpaedutech even if ulip is investing in a 90% debt fund ?
Great & Helpful. Which funds fall under debt+ indexation with arbitrage (35 to65%) as equity ?
White Oak Multi Asset Fund as an Example
As per tax concern which one is good for investment in long term domestic equity fund or international equity fund , as international fund may give return 12% or more than 12% in longer period, please advise??
From a tax perspective, domestic equity is taxed at 10% and international equity at 30%
Never knew this part. Thanks for making this video. I want to know the taxation in case of SWP. Will there be only exit load and expense ratio or tax too?
In most funds you have no exit load after 1 year of investment & hence you should only worry about tax while doing STP
in what categories would hybrid funds like HDFC BAF , I Pru BAF fall ? Equity or Debt+Indexation ?
HDFC BAF lies in Equity category.
@@shubhamkashyap9868 thx Shubham
Gr8
hello sir, agar kisi kaa portfolio me 3 funds hai hai jiska total investment 5 lac hai and current value 7lac hai to equity funds me 10% tax total value per lagega yaa each fund ke gain per... kindly explain
10% tax 2L pe lagega
Excellent video sir , please as possible in Hindi
Thank you so much
Is it applicable on current professional situation what if in the time of redeeming fund person not doing any Job?
It’s on that years income. If no income, the tax will be low
Can anyone suggest any name of fund with Debt+indexation benefit???
White oak multi asset
@@fpaedutech thank U
Thanks for the brilliant content. Which e.g. funds fall in the debt + indexation fund category. I understood the less than 65 percent and greater than 35 percent Funda but may I request an example of the name of such a fund. It will help. Thanks
White Oak Multi Asset Fund as an example
DEAR SIR, I AM 68 YEARS OLD PLEASE MAKE A VIDEO FOR PEOPLE LIKE ME WHO HAVE LUMPSUM AMOUNT TO INVEST. PLEASE SUGGEST A STRTEGY WITH INFLATION PROOF RETURN TILL ALIVE AND IF POSSIBLE TO LEAVE SOME FOR NEXT GENERATION🙏
Sure, will revert
Taxation on nasdaq mf?
Added to income and taxed at slab rates
Hello Kirtan
Do you help in making PMS, We r planning to invest in India, but have limitations on selection due to Govt limitation for North America. If you do is there any contact number or email to contact you. Thank you
Happy to help, you can reach me at kirtan@fpa.edu.in