The BIGGEST benefit of MUTUAL FUNDS! | The Money Podcast

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[freesoul]

That "Mitron" was very personal 😂

[religionofpeace]

A Mutual fund house is registered as a Trust. And according to indian laws any trust that earns income will pay zero tax. Hence when fund managers buy and sell stocks within their fund, zero taxes applicable. Thats a huge benefit of investing in mutual funds over PMS and small cases.

[addyd.]

at the end tax will be applicable when you withdraw money, now or later. percentage as per slab will be applied.

[damndozer]

Annual Expense of Mutual fund left the chat 😂

[RohitKumar-cznl]

A person with limited knowledge of the stock market but who wants to invest and grow their money through the power of compounding should consider investing in mutual funds without any second thought.

[surajaggarwal]

Neeraj ji, stock can do 1, 000x but mfs max 40-50x karega. Stocks can generate amazing wealth

[Vibhor-mu]

MF will not buy and sell per your whims and fancies and secondly when you redeem MF then you will have to pay tax of 20% (above Capital gains of 1.25 lakh)

[anukool]

You can't guarantee that the fund manager will wait till 100% returns, he might exit before it is doubled and that's not in our control. Buying direct stocks gives you control of when to buy and sell.

Even if mutual funds are non taxable while switching stocks but we don't have control over which is the next stock the fund manager will buy.

Whoever is comfortable with their money being handled by other people can opt for mutual funds, whoever wants to have total control over their money and portfolio should opt for direct stock investment, forget about taxes.

[preetupatel]

In mutual fund you have to pay exit load as well as capital gain during exit. It is more costly than buying selling stock

[Xcm]

Moral of the story : never withdraw the amount, no payout no tax.

[jeetroychoudhury]

You can rebalance your stocks without paying any tax (by keeping the money in demat), but rebalancing MFs will lead to taxes.

[Amiittk]

At the end of the day, you will "pay" "capital gains" the moment u "realise" ur gains.. Doesn't matter u sell your "stocks" or redeem ur units in a mutual, on top of that u may have to pay an exit load depending upon the terms and conditions of a mutual fund, and not even adding the expense ratio of the fund itself.

[tsjoshi]

I see there are lot of folks getting confused here.
Let me take an example.
There are two stocks A and B. The person gets 100% profit in A and then 100% profit in B.

1. Direct stock investment
Stock A : 100 becomes 200 (100% profit of stock A)
Here taxable income is 100 and STCG tax is 20% so net profit is 80, Hence balance is 100+80=180.
Stock B : 180 becomes 360 (100% profit of stock B)
Here taxable income is 180 and based on STCG 20%, net profit is 144, Hence balance is 180+144=324.

2. Mutual fund investment
Stock A : 100 becomes 200 (100% profit of stock A)
Stock B : 200 becomes 400 (100% profit of stock B)
You sell this mutual fund and taxable income is 300 and 20% tax, net profit is 240, net balance is 100+240=340.

Even if you take LTCG, you will see the difference.
The point is, mutual fund taxation is applied only when you sell it, not switching the stocks.
In direct stocks, taxation is applied as soon as you switch even 1 stock + STT + brokerage + manual work etc.

[abhijeet]

"MITRO" was epic....
FM " We woll simpldfy the Tyax systm, in Mai stat we consider restof the contri stupid aand we are geniuses even without relevant eduction".

[Rahul_MonkvestorRA]

The entire point of investing is to liquidate it at some point and as and when you liquidate you will be taxed on it.
Had you liquidated that gains of 1.5cr earlier you would have been taxed lesser as the rate of tax on LTCG and STCG has increased and seems to be a permanent move.

[ayushshaw]

What he says does not make sense to me

1 crore ka kharida 2.5 crore ka becha. Next stock 2.5 crore ka kharida 3 crore ka becha.
Toxal taxable profit: 2 crore

Mutual fund ek crore ka kharida aur same process mutual fund ne follow Kiya.
At the end, your net taxable profit: 2 crore

[hrs]

Our beloved...' Mitron' bolne wale...
Aur 'Nirmala ji' watching this short silently..💀💀💀😂😂😂

[yadityas]

Bhai stocks me possible hai 1 ka 2.5 mf me nhi hai ye bhi to batao

[MINATOYELLOWFLSH]

And now go through every mutual funds in india and see how consistant they are on keeping the same shares for the considerable period of time despite upd and down.

[abhijeetsingh]

How much time it will take to give 100% return by any mutual fund😊 and also calculate how much time it will personally if you hold good stocks in portfolio if you have 1 cr in bank account