PPF vs ELSS, where to invest? | PPF Account Benefits | Taxes on ELSS Mutual Fund #youreverydayguide

Are you investing above 1 Lakh in PPF?
Should you invest in ELSS Mutual Funds?
What are the taxes that you have to pay on ELSS Mutual fund withdrawal? Do I have to pay taxes on PPF withdrawal?
Which is better, ELSS or PPF?

If you are confused with any of the question above then this video with answer all your doubts.

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Video Sections:

00:37 - Benefits of PPF
01:37 - ELSS Mutual Fund
02:08 - PPF vs ELSS
06:47 - PPF or ELSS? | Returns Calculation
08:52 - Taxes on ELSS & PPF
11:14 - What is better?
13:02 - PPF vs Debt Funds

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Watch the video for complete guide. #YourEverydayGuide #ppf #elss #mutualfunds

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⚠️ DISCLAIMER
THIS VIDEO IS FOR EDUCATIONAL PURPOSE ONLY, NOT AN INVESTMENT ADVICE. KINDLY SEEK ADVICE FROM YOUR FINANCIAL PLANNER BEFORE INVESTING. VIEWER DISCRETION IS ADVISED.
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⚠️ DISCLAIMER: The description contain affiliate links, which means that if you click on one of the product links and complete a purchase, I may receive a small commission. This helps me grow the channel and I appreciate your help 🙏🏻

[YourEverydayGuide]

For any investing help, send your query at:


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Thank You
- Ranjan (Your Everyday Guide)

[explore]

Ppf's only one advantage is that, it has sovereign guarantee. Otherwise it stands nowhere in front of ELSS in long term

[ageless]

My request to everyone -do invest in small amounts towards PPF as it provides guaranteed returns with tax saving. Market is volatile, fund manager perfomance is not fixed. Furthermore, you can get loans against PPF amount from your bank. Returns are not everything.

[dhirajmundra]

Great video, very well explained.
But the only thing should be added was the SIP with ELSS will lock for every 3 years, so it is incremental month wise.


The sip which will be paid on the 14th year in November will get mature on 17th year November.

So lumsum would be a better option, with last lumsum should be paid on 12th year.

[MrKhabbu]

The best option
1) Buy a a term insurance of maximum value very early.
2)Open a PPF account very early and exhaust 1.5 Lakh each year.
3) If you still have money to invest then do ELSS

[theanonymous]

For those salaried class who want to invest in ppf, you have a better option by investing the same money into vpf. Ask your employer at the beginning of the financial year that you want additional money from your salary to be deducted for vpf. The rate of interest is 8 currently. Even 1% increase in tne rate of interest will definitely add value to ur wealth .

[kuldeeplko]

Apka 3 years ka locking period bhi hai. So aap jo last amount invest karogey uske 3 saal baad aap elss mein paisa nikal sakte ho.
15+3=18 years hua actual mein.
Ppf mein apko 5 yr ka extension lena hoga then it goes 20 yrs then amount will be 4446726 rs

[officialcritisizer]

Very neet and clean, simple, exact comparison. Very good. Please make more videos like this on other topics

[ajayramkua]

Sir aap jo bhi jaankari late hai ek dam mast late hai apki isa mehnat ke liye sukriya ada karta hoo

[malayapanichikun]

Excellent explanation with practical examples.Bring this kind of examples for comparison between investment and traditional plans.

[delhitegurdeep]

You saved my lakhs of rupees and you increased my knowledge also, thanks a lot bro

[aparnajandhyala]

It is best to redeem ELSS funds after the lock in period and rejig your portfolio regularly. If the fund you selected is not performing well, you can choose another fund that is performing better for the next year

[praveenkumardubey]

Clear cut information....rich content with supportive facts and figures ...just awesome 😊

[rg]

Kudos. Honest analysis. Clear explanation. Very knowledgeable person.

[imsujitpaul]

9:13 In case of LTCG, we don't have to pay tax on 1 lack for the gain. So in this case 10% tax will be applied on 42, 28, 538/-.

[Oceansta]

Great video. BUT : In the year 2038, you will be guaranteed the PPF amount. No one knows what the stock market performance will be in 2038 due to constantly changing market and global political situation. We may or may not see the same levels of sustained growth then. For example: sudden unpredictable events like pandemics. You may even see years of stagnant or negative growth by the time you want to redeem your ELSS.

[pranavkhatekar]

As explained at 7:01, Maximum Amount invested can be 1.5 Lacs per year. So if I invested this Year, After 15 years i will get the final amount. But the 1.5 Lacs invested next year can be withdrawn after 16 years and so on. So the amount you said can be withdrawn after 30 years due to lock in period restraints.
Hence ELSS Funds are always a better option to get maximum compounding and less time restraints.

[prashantgaud]

Very neat and to the point information from start to And u really made it too Thanks brother

[jifxcmt]

In elss one can reduce the waiting time in Last year by cancelling sip and doing lumpsum investment as it will save 1 year to existing elss
If one wants them start new elss with sip to take maximum tax deduction benefit

So old elss can be withdrawn one year before
And new elss will continue normally

[khushiram]

Thanks bro. Aaj Kai din bad aaya hu channel pr. Ab saare videos watch krunga jitne bhi bche h pichhle.