7% of PPF Better than 11% of Mutual Funds. HOW? #LLAShorts 108

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Explained in 1 Minute
PPFs 7% return is greater than Mutual Funds 12% return
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Telegram: @JoinLLA
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#LLA #PPF #MutualFunds #LLAShorts 108

[SuperCoolTeddy]

We should demand for Tax saving options as 80 C will be irreverent and anyways useless for now. With new income tax regime becoming default option going forth, Govt. not helping honest IT payers with rising inflation.

[ramehtag]

Your last statement was most important. Generally 80c is always filled up easily or even overflowing by pf, childs Tuition fees, home loan, etc so mutual fund is a good option..

[KameshAgarwalBlogger]

Deducting 30% from the investment amount of mutual fund is not logical. 30% is tax. Investment amount should be kept same in all cases for correct comparison.

[agytjax]

This is wrong and misleading. Why are you assuming 12500 would become 8750 ? Why would you pay tax for the amount invested in MF ? Only the gains made attract short term or long term tax gain.

[ramehtag]

I would prefer if 80c limit is increased from 1.5 lac to 2.5 or 3lac..

[NicholasBall]

Biggest lesson i learnt in 2023 in the Mutual funds market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.

[petabytes]

May god bless the people who take and follow advise from him

[secondview]

You don't earn 40.68L Amount in PPF if you invest monthly.. YOU HAVE TO INVEST 1.5L at once before 5th APR to reach this number for 15 years...But MF numbers can be reached by doing Monthly...Just a FYI... 🙏

[Dr_Steve.N]

Ek din aega hi aega jab govt ppf pe interest kam karegi, they have made their intentions clear.

[theoceandragongaming]

Govt has made the policy so that everyone goes to market. For example if the interest is more than 2L in EPF then the interest will be taxable above that. PPF interest is lower than FDs. The FDs are taxed at tax slab. So in the end the middle class will move towards market. I.e. MF and Stocks. Run for gold and properties only that can save our future.

[adwaitvedant]

You should have mentioned this case to be true :
1) If PPF return throughout 15 years is kept same and not reduced
2) If the time period is 15 years.But if the time period in mutual fund is increased to 25 years, then we can observe the magic of compound interest
3) If we choose hybrid funds, large cap fund and not midcap and small cap funds.
Midcap and small cap combination can fetch u 17% in longer term which is more than Nifty 50 index or average blue chip mutual fund

[NarendraGangwar]

Now please add a column with Mutual Funds+ Tax harvesting 😂

[prithijit]

Return on ELSS at 8% ? Thats too conservative … for a 15 years tenure any decent ELSS will easily give you 10-12% returns. PPF can never beat ELSS in long run (15yrs is a super long term).

[religionofpeace]

PPF is saving scheme(just protects your money)but MF is an investment option(compounds your money). There's a huge difference in the final corpus in the long term b/w PPF and MF.

[yashgoel]

I like the josh and thoughts of whole LLA team cause they genuinely try to help public and mistakes can happen by anyone and even after criticism(cause log shi info ka faida utha k bas galat cheez ko zada point out krte h) they try to correct themselves by apologizing and giving the right advice next time

[adityagaikwad]

Arnab Goswami: Kuch bhi... Kuch bhi..😭😭😭

[mithleshsyal]

..PPF ROI will be reduced again and again by GOI..

[jaywant]

Your analysis is always exceptional. Thanks from my heart Fortunate to found you on youtube.

[anirudhpaul]

Bhai for many under 30 pc tax bracket, just pf takes care of 80c and if not, with capital repayment part of Housing loan, that definitely gets covered. So the basis of calculation is on shaky grounds

[roshanlalsahu]

1. PPF returns are not fixed, (mostly it will decrease in future)
2. The mf returns are not 11%, if u are investing for 15 yrs, u can expect 15% return (atleast)

Mf (elss also) is much better than PPF