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Successful people don't become that way overnight. What most people see at a glance- wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
Ma'am you are the best teacher on this planet. Agar aap na hoti toh I would have surely lost all hope in life. But after all this learning from you, I still have 1 question that I need you to answer ma'am. Form 60b mein tax saving ke liye home loan chalta hai kya?
As a personal opinion, Parag Parikh Tax Saver Fund is also a good fund. Given the concentration of the Fund Managers to manage only selected funds rather than having different funds is good to hear. Why it did not feature in the list is because its a fairly new fund with 600 Cr AUM.
I am a big admirer of you who is truly trying to inculcate the importance of early investing and that too by investing in stock markets and mutual funds which were not never investment options for many people who always looked at FDs and PPF as investment options. Thanks for doing a great work.
I'm a 15 year old boy and had a thought to learn about investment and stock market...... This channel helped me alot to understand, I've just started watching your videos like 2 days ago. Understood the concepts clearly and the fact that my mother tongue is Marathi too makes me comfy :)
Came across your channel via linkedIn couple of hours ago and started investing in Mirae ELSS an hour ago before the contents comes out. Let us see how it goes after 3 years. I will be back .
Considering the sudden growth in All Quant MF Schemes, it appears to be risky to me. So did a portfolio overlap check on Quant Tax Saver MF and Quant Active fund and almost 90% portfolio is an overlap. So in my opinion it’s better to invest in Mirae Asset Tax Saver for ELSS and take position in Quant Active fund as we get the same exposure as Quant Tax Plan with an advantage of No Lock in for 3 years. Any views??
@@centristlibertarian I have both mirae asset emerging bluechip & mirae asset tax saver which one should i exit & I have axis growth opportunities also
1. Slightly off topic... but the recent fall in Equity Markets... was because... *FII's intention was that IPOs of "SOME" Indian companies DON'T get good response.* 2. FII's kicked up a huge ruckus during Ruchi Soya (Patanjali) IPO. 3. So *we can expect FII's to pull out of the market with intention to destabilize listing of CERTAIN DESI Companies* .
Ma'am thumbs up to you. I was happy that you said valueresearch sir was not paid promotion. It means that we surely can trust you in following your tips.
You are one of the best teacher maam ,who always guides you in proper way, Thankss for this vedio on proper time ; keep growing keep sharing .Your sinser student 😊
Thanks for all your time and Due Diligence Mrs Scott Learning a lot and hope for all of this Fam's sake that we take off with your continued guidance!!😊
Charter accountants are not the big players in market. You know why. Like saying goes. Zero risk appetite. Share don't work like that. Please stop misleading my sister. Let's hope your viewers grow rich
From so long I only knew what is ELSS, but never encountered how to choose them. Kudos to Rachana Mam to give relevant content for the people who choose ELSS.
Thank you for your comment. Contacted the What'sapp line above for more information and consultation on investment, also participate in the ongoing new investment..I am sure you will like to be part of.
Hello, I'm new to Biticon trade and I've been makin losses but recently I see a lot of people earning from it. Please can someone tell me what I'm doing wrong
Most people remain poor only because friends and relatives discouraged and advise them against investing and trading while the wise ones kept investing and growing higher financially👏
The ELSS funds require a lockin of 3 years. Which means if you are only filtering funds based on past 5 years (to get Valueresearchonline 5 star rating), you are essentially doing crystal star gazing over 8 years to maturity and that too based on past performance. So I feel, the whole selection criterea are flawed. If you took a 3 year performance period, you would come to a different set of funds (especially true for ELSS). To illustrate my point: Between 2010 and 2020, Axis Longterm Equity fund (ELSS), is the ONLY equity fund (and not just ELSS in the top quartile) and look at it's star rating today! In hindsight, the rear view mirror gives the best vision, but unfortunately after the event. Value Research has admirable data but poor analysis. A humble opinion 🙏
Hello Ma'am, Great video. I have few questions if you can answer: 1) Portfolio concentration: It is subjected to change. So let's say today if a fund looks good from concentration perspective, and if tomorrow concentration is changed & we don't like it so should we stop investing in it? What about our money that is already invested in it? 2) How many ELSS (or any type of funds) funds should we have in our portfolio ? what is your personal opinion ?
Already made my ELSS investment few days back in these two funds and was thinking that should have waited for this video before investing. Pleasantly surprised to see that the recommended funds are exactly the ones I chose 😊😊
Hello ma'am. As we know we can look ELSS as a retirement saviour scheme thus very important in the form of Annuity. Hence my question, is it okay to choose a risky ELSS fund? Or is it advisable to go with low risk funds for ELSS?
*This is the kind of world we've made for ourselves and our children, better have no enemies when the light goes out, due to the economic criss, wars and rate of unemployment I think now is the best time to invest and make more money for the future.*
Interesting, most people don't understand the market moves and tend to be mislead in the fact like this and always depend on the bank and very bad ideas
Hi mam, for quant tax fund, AUM is low. Will that cause any liquidity issue. If i want to withdraw after 15 years, will there be any problem in redeeming my units/ funds in full.... 👍👍
quant AUM is not that small , with time more and more people will be attracted towards it. Small AUM also helps in easy churning of allocation to generate greater returns for investors.
Mam that means we should consider only those mutual funds whose rating are 5. My question is fund is doing good and it is rated 5 but if fund will stop giving return it will be degraded but it will be 2 late for investor as they have spent good amount of time. Your thoughts please
Mam , really appreciated with the detailed explanation for gaining the benefits on diversification and difference between lump sum and SIP investment about lock in period Thanks
Hi ma’am can u suggest. ELSS or NPS or SIP (MF) which is good for retirement Planning.? Pls answer this. I’m following all videos of yours but couldn’t get the answer.
just a question... mam said in the last if she gets 10-12 percent return, she should be more than happy.... again.. this is just a question, i have no intention of attacking... 12% return 12 % club me bhi mil jata hai na??
But, the risk in 12% club is much higher since it is a P2P lending and defaulters can be there where the possibility of losing the entire principal is also there
I want to invest in else for my mother, but she don't have demat account. We are investigating previously in SBI else for her. But this year i am thinking to go with other else like quants, but not sure how can I do that without internet banking
One side you said higher AUM of fund means better trust of mass population (like bhel waale bhaiya)... Other side... you compare only those funds (quant or mirae) who has very less AUM as compared to other AMCs... ??
hello madam @ ca rachana rangade..im investing 2.5k sip every month since 1 year..this means can i show 30k as tax savings in ITR filing...? plz clarify
Hi, Thanks for the videos and insights you provide. You really make finance easy for us. I am having just one question and I am really confused about it, If I will invest 1 Lakhs in ELSS does my tax will exempt 1 lakh from the net taxable income? Any info on this will be really appreciable !
Limit for 80C exemption is 1.5Lakh. So to answer your question, Yes, if your other 80C investments are less than or equal to 50k, your one lakh investment in ELSS will be exempted from net taxable income.
@@PRANAVMAPPOLI She means 46,800 is the maximum amount that you we could save in taxes, not the maximum amount that we could invest. So, say in a particular FY, you didn't have any kind of 80C investment and the tax you paid is in that FY 3L, now if you had invested 1.5L in any of the 80C category, the tax you would have payed in that FY is (3L - 46,800).
@@suchshas7594 So the maximum tax amount that can claim from 80C is 46800?. Suppose my total tax in FY is 6 Lakhs. Can i claim 1.5 Lack rupees back in 80C (net effective tax paid is 4.5 lakh)or tax of this 1.5 lakh rupees 46800(net effective paid is 5.53 lakh ). How its working?
@@PRANAVMAPPOLI The later one, you will pay 46,800 less tax(5.53L) if you have 1.5L 80C investment. Basically your net taxable income is subtracted by 1.5L.
Same as Mutual Fund, you can continue to invest regularly or you can invest in lump sum once. But tax exemption can only be for the amount invested in the financial yr
Maam , I received mutual funds on death of my dad, he had invested lumpsum in regular funds through agent (ARN), mutual funds are transferred to me in zerodha account, in CAS statement ARN number is still showing, so does it mean AGENT is still receiving commission?, Also my query is I have 8 schemes in elss holding for past 7 years ,can tax be still claimed in lumpsum invested years ago?
Quote justifies the videos... FINANCE SIMPLIFIED 👍 and 1 request to make video for parents who wants to make investment for new born child, which will help them to manage finance for baby boy child. Education (starts at age of 3-4) where Balwadi also charges above half lakhs..🙄 College (age 16-17) Higher college( 20-21) Marriage-u can help with gold investments Optional . Child can think of starting business at early age. FUTURE IS UNPREDICTABLE
If I invest 50k lump sum this year in ELSS, do I need to invest another 50 K next year as well to avail tax deduction under 80C. Or 50K i invested first year can be used to avail deduction for next 3 years?
Dude it's simple. I might be wrong as well .... Higher AUM means they have huge money invested. If there is any negative news in a particular stock, the MF cannot sell everything on same day. They have to sell it across many days which will dent the profit generated by particular stock over months or years. Sometimes it may also eat up the profit generated by other stocks. If the AUM is less, that means they have less money invested in a particular stock, the MF house can seek off real quick compared to high AUM house. There by rotation happens quicker in lower AUM MF compared to Higher AUM MF. Thus profits are saved in lower AUM MF.
