Growth mutual funds Vs Dividend Mutual Funds – Kaha Invest Kare

Market me bohat sare mutual funds available hai. Iss me se kis mutual fund ko select kare ye tab asan hoga jab hum inke difference ko samje.

Aisa hi ek topic hai Growth mutual funds ya phir dividend mutual funds. Koi bhi mutual fund jab aap lete hai to us me apko growth or dividend ka option mil jayega. In dono option ka mutual fund portfolio same rehta hai aur profit bhi ek saman hote hai magar ye dono option apne profit ka kya karte hai yahi chiz in dono ko alag banati hai jiske bare me aapko details is topic me bataynge.

Growth Mutual Funds VS Dividend Mutal Funds

 

Growth mutual funds Vs Dividend Mutual Funds

Product

Jab aap mutual fund me growth option ke sath invest karte hai to mutual fund portfolio jo bhi profit earn karta hai wo re-invest ho jate hai.

Dividend option me mutual fund portfolio jo bhi profit earn karta hai uss profit ka ek hissa investor ko de diya jata hai.

NAV

Growth option me profit reinvest hone ki vajah se NAV badhti hai aur capital appreciation hota hai yani aapka initial investment badhta hai.

Dividend me profit hone ki vajah se NAV badhti to hai par profit ka ek hissa investor ko dene ki vajah se NAV Kum ho jati hai

Power of Compounding

Growth me profit re-invest ho jane ki vajah se aapke investment par power of compounding apply hota hai yani pehle apko investment par return milta tha aab aapko return aur investment dono pe return milna shuru ho jata hai.

Dividend me ek hissa investor ko de diya jata hai isliye yaha power of compounding apply nahi ho pata.

Returns

Growth option me mutual fund ko bechne par aapko return milta hai yani ek bar me sara return mil jata hai.

Dividend option me pehle apko dividend k through return milta hai aur phir jab aap mutual fund ko bechte hai iss tarah 2 bar return milta hai.

Taxation

Growth or dividend option me taxation ek saman hota hai.

Agar apka mutual fund equity mutual fund hai aur ek saal pure hone se pehle paise withdraw karne par apko flat 15% ke hisab se tax bharna padta hai aur agar ek saal baad paise withdraw karte hai to koi tax nahi bharna padta.

Agar apka mutual fund Debt mutual fund hai aur apne 3 saal pure hone se pehle paise withdraw kiye to apko returns par tax slab ke hisab se tax bharna padega aur 3 saal baad withdraw kiye to return par flat 20% ke hisab se bharna padega.

Dividend option me ek additional baat ye hai ki dividends. Agar ye equity mutual fund hai to investor aur mutual fund dono ke liye tax free hai agar debt mutual fund hai to investor ke liye tax free hai par mutual fund ko dividend par 28.84% par dividend distribution tax bharna padta hai aur dividends tab diya jate hai jab mutual fund ko profit ho.

Growth aur dividend ka chunav aapki jarurt par depend karta hai. Agar capital appreciation chahiye to aap growth mutual funds option choose kar sakte hai aur regular income aur moderate capital appreciation chahiye to dividend mutual funds option useful hai.

Iss topic se related aur koi saval hai to aap comment box me puchh sakte hai.

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