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Ask EP - 113 Advantages Of Short Term Capital Gains

48.4K views ยท Mar 12, 2023 ยท 15:19 min ยท Watch on YouTube โ†—
Takeaway

For long-term child education goals, prefer direct mutual funds over ULIPs to avoid heavy multi-layer charges.

Summary

  • 30-year-old with 1-year-old daughter weighs ULIP vs direct mutual funds for 20-year goal at Rs 10K/month - direct MFs win on transparency.
  • ULIPs carry mortality, premium allocation and fund management charges that erode returns vs lean direct MF expense ratios.
  • Under new tax regime, those without NPS tax benefit can equally invest the same amount in mutual funds for retirement with more flexibility.
  • Caution on holding fallen stocks (e.g. bought at Rs 1,800-2,000 avg, now Rs 600) when corporate governance issues are unresolved.
ulipmutual-fundscapital-gains
Original description
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๐…๐ฒ๐ž๐ซ๐ฌ (๐‹๐ข๐Ÿ๐ž ๐“๐ข๐ฆ๐ž ๐…๐ซ๐ž๐ž) ๐Ÿ‘‰ https://bit.ly/3JZwgyc
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๐™๐ž๐ซ๐จ๐๐ก๐š: ๐Ÿ‘‰ https://zerodha.com/open-account?c=ZMPVNW 
๐’๐ฆ๐š๐ฅ๐ฅ ๐œ๐š๐ฌ๐ž ๐Ÿ‘‰ https://tinyurl.com/4ba54kuj
๐ญ๐ข๐ฃ๐จ๐ซ๐ข ๐Ÿ๐Ÿ“% ๐๐ข๐ฌ๐œ๐จ๐ฎ๐ง๐ญ ๐‹๐ข๐ง๐ค ๐Ÿ‘‰ https://tinyurl.com/vk645vp3                      
๐Ž๐ง๐ฅ๐ข๐ง๐ž เฐฒเฑ‹ ๐„๐š๐ฌ๐ฒ เฐ—เฐพ ๐ƒ๐ž๐ฆ๐š๐ญ ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ ๐จ๐ฉ๐ž๐ง เฐšเฑ‡เฐฏเฐกเฐ‚ เฐŽเฐฒเฐพ ๐Ÿ‘‰ https://youtu.be/9Pz_ADhR5Q8

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