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Face Off: Mutual Funds vs PPF | Which one is a better Investment Option? (English subtitles)
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- Опубліковано 4 тра 2020
- Face-Off: Mutual Fund vs. PPF | Which is better?
#ETMONEY #MutualFundsVsPPF
PPF is a preferred tax saving option for investments in India. But how does it fare against mutual funds?
In this video of our face-off series, we pitch PPF against Mutual Funds. We compare them to the key parameters and give them a score on each of them. Want to know the result of this face-off? Well, watch the video now!
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Invest 5 lakhs in PPF considering 7.9 % (now it's only 7.1) will give you 15 lakhs in 15 years.... Invest 5 lakh in mutual fund considering 12.5 % will give you 29 lakhs in 15 years... Believe me , my dad invested money in both PPF and mutual fund and I can see difference in investment return
At least you are sharing knowledge sir. Preference may very .
PPF is only good option if India has a corrupt dwindling govt like Khangress. Otherwise MF are best.
Only PPF can't beat inflation in long run do its better to add some equity in your investment like mutual funds or etf there should be a perfect combination
So which give how much return
But not guaranteed
PPF abhi 7.1% de rha hai matlab koi tax nhi ye after tax hai. koi agar 20% slab me hai to yehi return 8.5% hojata hai bilkul safty k sath joki kaafi acha hai. Mf apni jagah shi hai. Ppf ya mf lena hai to wo investor pe depend hai ki kon kitna risk le sakta hai. koi investor bhut risk lena chahta hai isiliye direct stock me jata hai. wo apne liye mf shi nhi manta. maine 5 saal lagataar invest kiya mf me bhut ache funds liye mirrae emerging, l&t midcap, motilal mulyicap 35. Baat ye hai ki kabhi smaal cap acha chalta hai to kabhi mid cap. agar mutual fund me lagana hi chahte hai to mai to index ko hi suggest karoonga
jo mutual funds aap select karoge wo thode time baad returns me niche ajate hain 1 saal me 20-25% returns dikhake invest k liye encourage karte hain. Maine experience kiya hai. Agar aap long term k liye lagate hain to sabse bada risk mf selection hai. agar galat fund select kiya to sab khatam. aaj jispe 20% dikha rha hai 5 saal baad 5% pe ajayega gye 5 saal to fir fund badlo is se time kharab hota hai.25-30 saal lagataar koi bhi active fund return nhi deta hai acha.
Same doubt hai mujhe v....Baat to sahi hai...fir kya solution hai?
Sahi bola
Presenter has inadequate knowledge of PPF. In PPF withdrawals are allowed after 4 years and even Loan is given after 3 years. Please do not mis guide the readers
He is paid from AMFI and various AMCs...so obviously he will encourage for Equity....
On RISK why both have same 4 points. MF is highly risky. Also regarding returns you have yo carefully choose best funds. While for PPF you don't have to put head in it . Hence DISLIKED 👎
4:20 Bhai jab ye EEE ko bhi 4 number de raha hai, to 5 number to duniya me kisi ko nahi dega. Khadoos masterji.
Ha ha
😍
He is paid from AMFI and various AMCs...so obviously he will encourage for Equity....
I have never met a person in my life who got more than 7 percent return in mutual funds in my 5 years long career. If you guys know, share the portfolio or share just the screenshot. I want to know who earned more than 7 percent in 15 years.
ua-cam.com/video/In4TSGZcib4/v-deo.html
Ye today's best performing MF won't be same even after one year..... MF bekar hai...PPF best tention free
Even at low interest of 7% I would prefer PPF over NPS
PPF is safe but not much profitable considering inflation
Bhai NPS ki baat hi nei ho rahi idhar... It's MF vs PPF
@@sunapila NPS is nothing but a balanced advantage type MF
PPF is best always... tention Free..
Mutual fund me category average return dekho...CAGR dekho... Rolling return dekho... Benchmark return dekho....duniya bhar ki tention sali....
Isse acha PPF me daalo paisa aur remaining amount Plots (land) buy kro aur life joyo Aram se....
Equity me investment kiya to Corona virus, Russia Ukraine crisis, Recession, Inflation, RBI policy etc sabhi ka risk .....aadmi life kya hi jiyega....ye sab news ki dekhte dekhte amar ho jayega 🤣🤣
You seem biased to PFF. Tow factors- EEE and No Risk make PPF far better than MF.
why does PPF gets 4 in tax saving when all of the interest is non taxable? shouldn't it be maximum i.e. 5
Ye khadoos masterji hain, kisi ko 5 number nahi denge.
🤣🤣🤣🤣
Sir ppf or gold dono me se kis me invest karna achha rahega??
Happy to see videos with subtitles. You people making understanding of the content easier for people who don't know hindi.
Below point bhi add karoe....
Equity has power to wipe out your returns which you earned throughout the years.....
As per my 8 year experience and my financial knowledge and Indian economy in 1995 to 2010 economy is growing on with bottom level reform and now most of. Sector has developed so now mf may give around 7 ppf is good
Sky is the limit for development in India. The scope never ends
Compound interest bhi to hota hai PPF main ye kon batayega
You don't have to give any reason for withdrawal from PPF after seven years.
Return on hdfc taxsaver 15 year sip is 7.2%
SIP se acha equity funds me jab dip aye tab lene chahiye
Calculate tax on 15 years return not on less than 1 lakh
PPF pe jo intreste milta hain at the end of maturity say 15 years for example usape koi tax na lagega but mutual fund pe bhalehi 15 percent kr return mile uske intrest pe tax kitna lagega after 15 yrs ye bhi to bahot matter krta hain
Hi my Query is in 15 years period if i invest in PPF there will be no tax and with mutual fund its there. Can you please clear it with example of SIP of 5000 .
Ak baat batoo jb hr jigha 2 points de rahe the ppf ko tax me to kuch bhi dena ni hota h to apne apne ko 3 no. Kis baat k diye
He is paid from AMFI and various AMCs...so obviously he will encourage for Equity....
Biased on. MF ... Risks same points for both??
5 saal se sbi blue chip chala raha hu koi profit nahi hua
Bro 5 sal me to 7 parsent ka return to dikha raha he to kese profit nahi huva
Good presentation very beautifully edited
Thank you so much 🙂
@@ETMONEY Hi please clear one doubt which is better in terms of returns aftex tax if in mutal fund we choose a fund with 10% return for long term.
compare returns after taxes in both after 15 years.
Sir please ek baar phir se es subject par video banaiye, bcz ppf me compounding, compound interest ke hisab se ho rahi he he aur mf me compounding simple interest ke hisab se ho rahi he, ppf ka 7.1% compounding return, index fund ke 12% simple interest (cagr) ke return se jyada ho raha hai.... aur tax saving banifites alag se....
Sun ne main toh achha lagta hai.
Lekin 12% return milega iska koi guarantee nahi hai
Hi Souvik,
Yes. Mutual Fund main returns guaranteed nahi hain. Lekin agar aap apne paise ko 15 saal kay liye lock karne kay liye ready hain, toh kyun sirf 7-8% return le? Itne lambe period main equities ne hamesha PPF ko beat kiya hain.
Regards,
Team ETMONEY
@@ETMONEY at the time of withdrawal year .... Agar corona jaise virus aaya to? Again Market down .... And all market related scheme also down...
@@prakashkhadse5467 Safety or liquidity k liye kuch amount FD aur Debt funds me rakhna chahiye
Thanks 👍
Biased Review. We know why.
Hi Vikas,
Do let us know why you think this is a biased review. We have tried to put the facts that define both these investment options and give perspective on each of them.
Regards,
Team ETMONEY
@@ETMONEY It's like some one who owns land and wants to sell, will always recommend real estate as the best investment opportunities. ET Money is a platform to make investments in Mutual Funds, surely you won't favour PPF.
@@vikasns4603 loll ... Correct
Any shampoo curing hairfall+dandruff is surely better than shampoo curing only one. This doesn't makes the earlier sampoo marketing campaign biased!
You need to be precise at what's causing you feel bias.
Go for PPF
Very good
PPF mai tax nhe lgta
Thanks sar
Paid review........ experts emphasis more on mf ....🤔
He is paid from AMFI and various AMCs...so obviously he will encourage for Equity....
Please Compare NPS Vs Mutual Fund?
NPS >>> better than mf
@@grijeshmnit Sir I am 25years old I am planning to invest Rs 10000 in NPS (75% equity) scheme and Rs 10000 in equity mutual fund or in nifty 50 index funds. Which is better? Investment in both?
@@rajeshn2963 I do not have that much knowledge but yes upto an limited amount (because of tax saving in EEE) NPS is better...
Mutual fund/SIP and stock may give you high returns but you have to lean a SMALL BIT over that...
No simple formula:
Saving + Tax + Return + Goals + Security + Risk
Faily complex, but worth to understand
Communicate in English.. Or use sub title.
it would have been more helpful if you could compare in real monetary figures. like PPF max limit is 1.5 lacs. So, if I invest 1.5 lacs in PPF every year for next 15 years.
Last wala points bhi dis agree jb apko apni he points rakhne h to no. Kyu dena bina mtlb
Sir Maine 4 Mf Scheme Select k hai usme 1000 k sip start hai...
1. Mirae asset Emerging
2. Canara robeco Emerging
3. Invesco India Growth opp
4.Kotak Equity Opportunity
All Large & Mid Cap category Fund
Pls review
Dear Pritam Nalawade: Aap ETMONEY app ya ETMONEY.com ke jake in funds ke ratings aur rankings ko check kar saktein hain. Is suvidha ko zaroor use karein.
@@ETMONEY Sir Ek hi Category Large & Mid Cap me maine 4 SIP k hai kya mera decision Right hai
@@pritamnalawade8829 ye sab matlabi hai nehi bolega
Bohut adcha
Debt aur equity ko kyo compare kar rahe hai.
Hi Rajeev,
Agar aap 15 saal kay liye paise ko lock karne kay liye tayar hain, toh itne lambi duration kay liye jo investment option optimal hain, hum woh aapko batana chahte hain.
Though i Like Etmoney but this seems to be a partial video.
the definition of partiality is "unfair bias in favour of one person or thing". where was the comparison unfair? Or better, can u suggest good points where PPF scores better than ELSS for 15yrs duration? except for EEE thing.
@@RajSekharK It was not shown anywhere clearly that a person can suffer heavy losses as well in Mutual Fund while PPF is totally safe. Investment is mutual Fund can't be withdrawn any time, as in these days you can't withdraw the amount which you have invested last year. If you withdraw then you will suffer loss.
Though ELSS is still a better option I agree with you. Just saying negative points of ELSS is not shown here clearly as compared to PPF.
Totally baised view. MF is risky and High comission. If want to invest in market go fr nps tier 2
Curious to know - why your view is that NPS Tier 2 is less risky than mutual funds?
Sir me clear hona chata hu about interest
Hi,
Please do let us know your query
Gyu
I follow Vivek law, sir. he is a gem and explains to the point. Thanks for this face-off video. This channel deserves more subs and views.
PS: I know ET money is a mutual funds platform and many here in comments think the video is biased. But I would like to ask you to prove Vivek wrong in any of the points he discussed in the video. PPF is for min 15years and without liquidity. If you can give that commitment to not touch the money for 15yrs. and invest regularly, cross-check your decision to go with PPF again. I would personally prefer ELSS.
for short duration MF may not be good, and banks or govt bonds might be better. but here we are talking 15yrs.
Bakwas video
seems like biased towards mutual funds.
Thank you very much sir.
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