Mutual Funds or FD - Where to invest in 2023 after New Tax Rules?

Mutual Funds vs Fixed Deposit – Where should we invest in 2023? Taxation on FD vs Mutual Fund explained in hindi. We’ll do detailed comparison of fd vs debt mutual funds vs equity fund, and which is the best investment alternative in 2023 after new tax rules.
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About the Video
As per new Income Tax rules applicable from 1st April, 2023, indexation benefits on debt mutual funds has been removed. Earlier, long term capital gains from debt funds enjoyed indexation benefit, but from now they will be taxed directly at 20%. This new rule has made investors wonder whether they should invest in debt mutual funds, and what are the investment alternatives available.
We will compare taxation on returns from fixed deposit, debt funds, and equity funds, and determine which one of them is the best investment avenue. These new rules are going to have a big impact on which type of mutual funds investors go after in 2023.

In this video, we’ll cover the following topics:
1. FD kya hai?
2. FD interest rates 2023.
3. FD vs Mutual fund, which is better?
4. Tax on mutual fund returns.
5. Mutual fund me invest kaise kare?
6. Tax on debt fund explained.
7. What is indexation in mutual fund?
8. Indexation benefit in debt fund.
9. How are mutual funds returns taxed?
10. Mutual funds for 2023.
11. Mutual fund vs fixed deposit.
12. Long term capital gains tax rate.
13. Short term capital gains tax rate.
14. Tax on fixed deposit returns.
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#MutualFunds #FD #MutualFundsOrFD

[AssetYogi]

Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.

[Erinmills]

My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless. I’ve only ever saved($510, 000), never invested but want to start.

[alexsteven.m]

I'm not kidding when I say that the market crash and high inflation have me really stressed out and worried about retirement.
I've been in the red for a while now and although people say these crisis has it perks, I'm losing my mind but I get it, Investing is a long-term game, so I will focus on the long run.

[velayuthman]

Large-cap stocks and ETFs typically deliver relatively stable returns during periods of heightened volatility and can be great for investors aiming to minimize risk. Renewed buying strength in markets in September and October. I want to invest more than $300k, but I'm not sure on how to mitigate risk

[Little-Lilliputs]

The biggest disadvantage of Indian education system is people will not have a clear understanding on wealth creation. Even today I've seen many people keep lakhs of money in their savings account without even creating an FD. People like you should educate our future generation for better planning and using money to create more money

[c.t.u.o]

I wish i learnt most of these principles about seven years ago. A lot of people have been trapped strongly in the matrix-- Go to school, get a job, and then slave your whole life. Many miss out on life-changing information that could have great effect on their finances. I played with the stock market sometime in 2020, and I was surprised at how well it turned out. I want to put in $90k more into the market. I heard people are making really great returns despite the downturn. Any recommendations?

[saswatab]

For short term FD now makes more sense. For long term investment I would still invest in Equity MF. The tax changes in Debt funds explained very well.

[royaltiger]

I'm investing last 10 yrs in MF by SIP by XIRR 12.3% so far. Ofcourse my first preference is Equity.

[kendralius]

With changes in the economy leading to instability in the stock market, some individuals may face a decrease in their investments in an effort to benefit from the current market conditions, I am considering liquidating my $725k portfolio consisting of bonds and stocks. Someone else in the same situation? Please tell me in the comments!..

[darnellcapriccioso]

The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies.

[SerenGordon]

We work for years to get $1Million in retirement, Meanwhile, some people are just putting $5k in a meme coin in just few months and now they become multimillionaires.

[perrytheplatypus]

I would prefer
🌟 Savings account= one month salary
🌟 Debt mutual fund= 11 month salary(provides higher interest rate+ liquidity)
🌟 Fixed deposit= upto limit
🌟 Overdraft against fd (50% of fd) to meet quick financial needs later selloff the debt mutual fund to set off the used ammount, (50% of fd not liened be used during excess emergency)
🌟 Provident fund/nps= the limit applies
🌟 Rest=indexed mutual fund(passive funds)

[sourabhwadhwa]

You should have told about the liquidity of funds too. If FD is broken pre maturely then the 0% profit because penalties are almost equal to the interest gained.
Whereas in Mutual fund you can take out money anytime.
Major diff between FD and Debt mutual fund.

[iamrajatgoyal]

There is a mistake:-

- Short term gain is levied @15% even if gain is less than 1 Lakh.

[sarangchoudhari]

Fd is evergreen investment tool. Slow growth but safest.

[TheMotisingh]

Fixed deposit can be done for senior citizen of family.Fill15G/H form(if they are not tax payer) and TDS will not be deducted and at the same time it will fetch you around 8.5% intrest.

[tanmaybhadra]

Debt MF is better if liquidity factor is considered. Since interest rate is same as FD. But for fixed amount of time FD is better. And for indefinite or unknown amount of time Equity MF is good. Video was helpful. Thank you.

[aksket]

Age factor also works. In early life you can plan fore more equity component and high risk. When it comes to retirement benefits, liquidity and risk these two factors are more important than returns. Corporate bonds with Wint wealth etc are more beneficial if diversified

[devangajmera]

One important aspect for short term investment is liquidity which is more in debt funds as compare to FDs. So pl.add liquidity aspect also.

[akashbhaumik]

Just a clarification here.. Rs. 1 Lakh exemption in case of Equity Oriented MFs will NOT be applicable for STCG as such exemption is only available for LTCG u/s 112A. Hence for EQ.MF rate of tax is 15% u/s 111A for STCG and 10%(over 1lakh) u/s 112A for LTCG.