Use SWP for tax-efficient regular income from mutual funds

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What is SWP or Systematic Withdrawal Plan? It essentially enables customization so that investors can withdraw a specific amount of money or the capital gains from their mutual fund investments on a regular basis. Investors are thereby able to tailor their income stream with respect to their financial needs. This is how investors can avail both steady income as well as desired returns as per their...
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Got an FD? Here's something you should know about TDS

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Investing in fixed deposit could be actually beneficial; still, overseeing some essential aspects could let you face certain loss due to TDS. Priya Sharma, one of my mother's friends and a retired private sector employee, went into deep shock when she got her bank account statement. It showed a 10% deduction of TDS (tax deducted at source) on her FD (Fixed Deposit interest income). Well, just like...
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Investing in Mutual Fund? Which one to choose Growth, Dividend?

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My cousin (Ankit) recently decided to invest in mutual funds, he was baffled to see so many options available. There were about 40 mutual fund houses available and over 2000 fund schemes. Further to this, he had to choose between growth, dividend pay-out or reinvestment option. When you decide to invest in mutual funds, you are faced with a plethora of options. Each type of fund has its own a...
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How are mutual funds taxed? What are long and short term capital gains?

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​As long as there is income, there is tax. Taxes can be minimized but not escaped. The Mutual funds returns are taxed under the head 'Income from Capital Gains.' Capital gains can be classified as long term or short term capital gains based on the investment holding period. Capital gains tax varies according to the holding period and type of mutual fund. Holding period is the period from the date ...
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Why tax saving Mutual Funds (ELSS) over other options?

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One of the best ways to invest is to participate in plans that generate tax-free returns. While there are many available options such as PPF, NSC, NPS and taxing-saving FDs, ELSS trumps as the best investing option.While it does involve market related risks, it also rewards the investors for extra risks. The objective of ELSS mutual funds is to provide tax benefit (up to ₹1.5 lakh) under...
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Equity Mutual Funds or Direct Equity (Stocks): What is a better choice?

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Everyone of us dreams to be wealthy and constantly looks out for opportunities & avenues to grow money. Investing in Indian equity markets has delivered superior long term returns compared to other traditional options like Fixed Deposits, Recurring Deposits or Gold and better liquidity compared to real estate investments. Equity is inevitable for any kind of a long-term investment when you loo...
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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.