Best Investments 2023 | Mutual Funds vs Fixed Deposits | Warikoo Hindi
Вставка
- Опубліковано 7 сер 2023
- Join me in this video as we explore the best investment avenues for 2023 considering the new tax rules. With increased tax rates on debt mutual funds and rising interest rates for FDs, many are confused about where to park their money.
In this comprehensive comparison, we delve into various parameters including tax rates, average returns, post-tax returns, and investment time horizons to determine which investment option is more sensible for 2023.
We explore Fixed Deposits, Debt Oriented Mutual Funds, and Equity Oriented Mutual Funds, discussing the changes in tax structures for each and their implications.
Understand the average returns you can expect, how your tax bracket can affect your post-tax returns, and the risk associated with each option. We will also discuss how your time horizon should guide your investment choice.
Please note: The tips in this video are for informational purposes only. Always consult with a professional financial advisor for personalized advice.
#MutualFunds #FixedDeposits #warikoo
Subscribe to my all-new Shorts channel, warikoo Shorts, and learn personal finance and career tips in less than 60 seconds! t.co/pMdPNe4Quf
---------------------------------------------------------------------------------------------------------------------
SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.onelink.me/RmHC/x3g6...
My Money Apps: bit.ly/3Zg56eR
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙️ Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽️ Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Let’s connect online:
🎙️ My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoq...
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/
📱 Instagram: / ankurwarikoo
🐦 Twitter: / warikoo
👨🏻💻 LinkedIn: / warikoo
😄 Facebook: / awarikoo
🖋️ Daily Blog: ankurwarikoo.com/blog/
Get my new book 'GET EPIC SHIT DONE' here: ankurwarikoo.com/getepicshitdone
Get my first book 'Do Epic Shit': ankurwarikoo.com/doepicshit
Subscribe to warikoo Shorts for tips in less than 60 seconds: t.co/pMdPNe4Quf
My Money Apps
My Money Links Indian Stock Investing (Zerodha): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/37M1rik
Portfolio Investing (Smallcase All Weather Investing): bit.ly/3u0is0I
Life Term Insurance (PolicyBazaar): bit.ly/3XsEGWi
Health Insurance (PolicyBazaar): bit.ly/46hvbNL
Corporate Bonds (Wint): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
Crypto Investing (WazirX): bit.ly/3O4KC2
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
This time you have not suggested any mutual funds...so disappointed
The market's direction can change rapidly, showing a tendency for indexes to transition from a bear market to a bull market when the news is at its bleakest and investor sentiment is at its lowest. I came across an article mentioning individuals who earned profits of up to $150k amidst this downturn. What are the best stocks to buy now or put on a watchlist?
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
@@esther.74 wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
You can do your research and be on the lookout for one with intelligent strategies who'll help your portfolio maintain an unwavering and a progressive growth. Laura Marie Ray is my advisor. She has the Flexibility & Expertise to Meet Your Needs. Verify her yourself
@@esther.74 Thank you for this tip. it was easy to find your investment advisor. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
for those who ask question without typing on google 😃 what is CAGR - If a stock appreciates from Rs 100 to Rs 121 over two years, its CAGR is 10%. The 100 became 110 after year 1 and 110 grew at 10% to become 121.
You should make a video discussing asset allocation for our parents who are about to retire. They receive a huge corpus upon retirement but simply put everything into FD. Would definitely love your advice for them Ankur.
Simple advice for them is that whatever amount they need for themselves can be put in fixed income generated products like FDs and post office schemes.
And for generations after them (who are in their 30s and 20s) can invest a portion of the amount (say 10-20%% of the total corpus) in equities related products like Mutual funds /Stock Market
check senior citizen govt schemes that are guaranteed and give regular income. Then depending on your specific requirements you can explore more high risk high reward option.
Fd and Mutual funds work differently for different age audiences.
Anyone having 5/10/15/20 years can go for Equity products like the Stock market, Mutual funds.
But what about those who are around 55 years of age and have accumulated a corpus of say 2 cr.
Now they don't want to face market fluctuations and want a fixed return on their corpus to live happy retirement life.
In that case, FDs, and post office schemes make sense..
There is a difference in taxes between FD and Mutual Fund. Taxes in fd are to be paid every year but in mutual fund taxes at the time of selling.
Very nice , once again. Keep rocking.
Loved this one. Thnx.
why ignored the 400 days of special SBI FD ? it is literally 13 months..but it gives 7.1 / 7.28% annualized..
So why not go for 5 years FD offering 7% in most private banks ..if u want to park for long.
@@chiragmalhotra if you want long..then index funds are best.. unless you are looking for tax saving FD
Pnb offers 7.25 for 444days
@@gautamrawat1 PNB ? seriously.. even after all those scams?
@@neeraj_dama scam in FDs?
Sir apke channel sabse achhi bt ye lagti ki ads 😂 nhi atte i love ........😊😊😊😊😊😊😊😊😊😊❤❤❤
Sir.. Congratulations for your 3million subscribers.. I am a big fan of you..
a small correction:
not "growth" but "regular" mutual funds contains agent's commission as well.
i think most of MFs contain growth in their name
Thanks for content sir ☺️😁☺️
Once u complete 15 years in ppf then that becomes your 5 year extendable account with 7.10% rate + benefit of compounding + tax benefits. Better then everything
Nice learning video sir, can u suggest where can I invest now beus since my career of 32 year I've very less investment
Thank you wariko sir
Im your big fan
Bcz your advice is so pure🙏❤️
nice explain sir thanks
Nice video but I think that from perspective of equity funds "growth" means reinvesting the dividends from the funds. I think what you actually meant to say is "Direct" funds and not regular funds so that we do not pay any commission to any intermediaries
Exactly, REGULAR MFs will have an intermediary whereas DIRECT ones will not. Many platforms these days do not allow buying a REGULAR mutual fund.
Dear Sir,
Is this the right time to invest in debt mutual funds?
Thank You Sir 🙂
STCG 15% (even if less than 1 lac)
LTCG 10% Over and above 1 lac
We want more! Start a series like this.
*You should have addressed the expense ratio in debt mutual funds, which is not there in the fixed deposits.*
Great video. I was searching this kind of video. My all doubt cleared.
Thankyou 😊
Who remember his weird stop look in his old videos, while he was talking about FD😂😂
Maine yono se mutual fund me purchase Kiya hai, but it's showing regular growth, not direct. Now what can I do please suggest me sir?
Explained well. But terminologies of fixed income securities are not what they mean, SBI Medium Duration Fund, doesn't literally define duration as period , but a measure of risk/volatility, here duration means Macaulay duration expressed in years, it measures the sensitivity of bond price to its yield.
Amazing video 😃😃😃
Pehle dekh to le bhai 😅
Sir, Coin app me jitne v mutual fund hai sabhi me growth likha hai. matlab wo jayada expenses charge karte hai kya?
Sir, What is MTFE most of the people use this app and earn profit, is that batter way to earn money or not?
*You can make a video about this topic also.
Brother say I would like to invest 10L concerning my family as i have one special child.. so which one would best for me Fxd or Mutual Fund one and which terms medium duration upto 5 yrs is good ? Please suggest ? Also suggest which Bank/company I should reply and trust for?
Aap hame wo btao ap kis mutual fund stock market etc. Me investment karte ho ham bhi ussi me invest karenge whts wrong, whts right that is our business, just tell me I'll take risk
Nice sir you are also my teacher in josh talk app ❤❤❤
Investment related videos I like to watch anytime.
Sir ye bataye ki online sip mutual fund broker ke dwara lene se company band ho gayi to retail investorss ka moneydub jayega kya ?pl bataye, ek video banaye
Which was the software you used in this presentation?
Please make video on comparative investment decision on FD, MF, Stocks and ETF. Don't say in it that there is liquidity problem in ETF
Hey Ankur. I have a question to ask.
I had a little sum of money parked in equity and I lost 38% of it's value due to the recession and as my whole investment was in IT. Now I've reinvested the remaining amount in different sectors and my portfolio got up by 10% in last 6 months.
I don't know how soon, I might need this money as I might loose my job next month.
Shall I sell my equity and invest in FD?
I am getting a fixed return of 9% from my fd from day 1 and make this amount my emergency fund or shall I keep the money in stock market, let it grow and save it to use later.
In which FD u r getting 9%🙄
Equitas small finance Bank and many more banks is there ... just search on Google
@@jhunjhun1😂😂
Sir, do you have any detailed video on MLDs , risk involvement, and return part
Sir one question if i have taken direct growth fund named MF then what can i do ?
PLEASE MAKE A VIDEO
INVESTMENT IN MUTUAL FUNDS ON
VARIANTS places.. (best 2,3 process)
And where To invest.....
Hlo sir, hope u r well
I m a soldier nd don't knw where nd hw mch to invest sir pls show me the way where i should invest on coin, i have jst started investing on MF, my net salary is 45k beyond that i have monthly 5k insurance nd PPF each. I hope u will make a vdo on this next for our nation guard . And sir i have read ur 2 books . JAI HIND
Sir dept se accha fd hi hai total savings ka m 50 percentage fd mein rakhta hoon 10y ki longer time le rakha hai kon tensan lega 50 percentage pure mutual fund and smallcas thee hai na sir pls reply
Warikooji, is coin app by Zerodha? Can you give Android link for the same to ensure we donot end up downloading a wrong one. Thanks in advance
hi sir, i watch your all videos, very big fan , aaj aapka ye video muje thoda confusing laga
Sir please make a video in forex trading especially TITAN CAPITAL MARKET
@warikoo Small Correction:
Referring to the STCG discussed by you at time stamp 5:45, there is no exemption of ₹ 1,00,000 5:45. Each Rupee of STCG is taxed at 15%
Please make a video about the financial plan for people who stays single forever Bro.. 🙏🤩
Hello sir. Love your videos. Would like to point out one minor correction in the edit though. At 05:52 , you're saying 10% and written 15%. Please make the correction if you can. Awesome content otherwise. Thanks for all the knowledge!
Good spot!
Stcg is taxed @15% and there is no exemption in this case as it is available in ltcg
Exactly
Have you increased the tempo of the video before uploading??
Good video though..
Make video on charted accountant please🙏🙏🙏🙏🙏
Balanced advantage wala fund sip k liye kaisa h sir
What is the connection between 2023 and different types of investment s
Me 8.2% pe rd and then quarterly paiso ka fd karta hun
Scss
Jaise 5 yrs ka total count karta hu to 9.5 to 10.1% milta hai annualized
Sir mai fd premature krunga to penalty lag jayga..uska tenure complete hone dun kya ?
Sir what about INDmoney app?
nice
Nowadays, 10th std student can also blindly say which one is better🥱
With a 2-page essay
Sir main apka UA-cam channel wala course enroll karna chahti hu lekin mere pass thoda budget km hai please kuch help kare🙏
I invest 10 lakh on sbi mutual fund now i want to withdrw what can i do plz do suggest
GIVEAWAY KA RESULT KAB dAOGE SIR🤔
I'm not sure, but possibly you explained the LTCG wrong. Tax applicable on income above 100,000 in LTCG
Yes he is wrong.. there is no exemption for stcg.
Jaise Apne kaha ki Direct plan choose kre growth na choose kare lekin mere sare plans direct growth name se he
Two wrong things in this video:
1. First of all first one lakh exemption on capital gain is only for LTCG and not for STCG. For STCG, a person is directly taxed at 15% for all the profit amount.
2. Growth is a type of mutual fund just like IDCW (dividend option) it has nothing to do with direct or regular. That's entirely different thing. One should always opt for direct growth plan.
Make a video on RBI retail direct
Apni crores kaha kaha invest Kiya hua hai ee bhi bata do bhayaa
Aap ka jo UA-cam course hai usme proper editing sikhai jayegi ya nahi
The best about Ankur Sir that their are no aids while they teach you that’s too good 0:55
Sir, what is the right time to exit/sell mutual funds?
Thanks in advance
Its not ‘growth’ its the ‘regular’ MF which attracts commissions.
Growth MF means the profit is reinvested.
where is the intro gone
Doing calculations with the help of an excel sheet would be better something that Ankur does the best little sad
warikoo saab elss
Make video on p2p
Sir I am your big fan how to meet with you.
FD mat Karo vauld me dalo Paisa ....aur sab paise Dubao.......FD is best
Ok
Create a video on sable money.
Bajaj Finance is providing 8.6% for 42 months.. so please advise
Growth ni regular bro
Right
sir , It is not growth option ,It is regular option, There are two type of mutual funds scheme ,one is regular and the other is direct option not growth.
Ankur, bro...u messed up tax incurred on STCG on Mutual funds
There is one more alternative to FD is Equity Savings Scheme which has similar risk as short term debt fund but gives return upto 10%. The most important part is it comes under equity capital gain taxation. So you save more if your investment horizon is from 2-3 Years.
Hi Team...
Curious to know... whether we can invest in fd in Zimbabwe when current highest interest rate is 110%? 🤔
Our money (INR) will grow to 30% approximately in 18 months after currency conversions...
But need to check international financial policies and procedures... 🤔
Any views, suggestions... please help to understand little more on this... thank you
Ankur You said Growth...but aap Regular kehna chate tha😂
Unity bank giving 9% fixed deposit
Taxation on fd ?
as per income tax slab.
Lot of confusion u cleared
Sir am following you since 2021 ... You are just posting the same repetitive content..
Time stamps sir...
My mother gets 8.5 return in fd as a retired sbi employee is it betteɍ to continue or should i buy a house
@WarikooAnkur___ unable to see your reply could you please repeat
Fd return is annual m mutual fund waiting too much for someone who is jobless
At 20:30
Anyone there kindly explain me
20% of 7% returns=5.6% or
20% of 8% returns=6.4%
TIA🙏
Dosto, iski baat mat sunna. Vauld yaad hain na phir ek start up scam bhi kiya tha
Growth vs direct or Regular vs direct. Can someone clarify
Always direct
Use always (Direct + Growth) instead of (Regular + IDCW)..
You are the only one person whome most people can trust to invest where you say because you are very very fair telling where you invested God bless you keep on doing it most people trust u like anything stay blessed 🙏
Vauld😂
Some corrections : at around 11.00 video time, it is not GROWTH option that charge higher it is REGULAR plan.
Videos getting longer.....
Bhai Kitna Milk Karega Ek He content bass Kar Bhai🙏🏻