Long term capital gains tax : Equity aur debt schemes me tax difference hua kum

Budget me share market ke long term capital gains tax ko finance minister ne 1st Feb 2018 ko introduce kiya jisse investor kafi upset hai kyunki aab unko mil raha interest pehle se kafi kum hone wala hai.

Naye Long term capital gains tax ke aane se investor ki saving strategy bhi change honi ki puri umeed hai. Jaise ki ab ELSS tax free nahi rahega. Ab tak ELSS me invest karna investor ke liye best option tha aur to aur aab equity funds me bhi indexation benefit nahi milenge.

Long term capital gains tax

Expert advice on ELSS

Long term capital gains tax, PPF, ULIPs jaise tax saving option ko ELSS se compare me jyada effective banayega kyunki budget ke baad ULIPs aur PPF tax free hi rahege aur ELSS par 10% tax lagega.

Iss par expert ki advice hai ki ELSS me invest bilkul bandh na kare. ELSS only equity instrument hone ki vajah se jyada return de sakta hai. Tax lagne ke bavjud bhi apko long term pe achha return hi milega.

Expert Advice on Online Kum Pricevale ULIPs

Sayad apko long term pe ELSS jitna interest de paye. par aap jante hai ki ELSS jyada flexible hai ULIPs ke compare me kyunki isme lock in period 3 saal hi hota hai aur koi scheme under perform karti hai to apke paise dusre fund me shift kar diya jate hai.

ULIP  me koi fund agar under performance hai to aap ULIP ke dwara offer ho rahe dusre fund me invest kar sakte hai.

Long term capital gains tax ko budget me introduce karne ke baad insurance company ULIPs investment me invest karne ki advice de rahi hai kyunki ye tax free hai. Par financial advisor aisi koi advise nahi de rahe hai.

Abchlor investment advisors ke MD abhinav angirish ne bataya ki,”hum aise product suggest karte hai jo bhale hi taxable hai par phir bhi low return de rahi tax free product se jyada achhe hai, isliye tax free insurance policy nahi par mutual fund hamari pehli choice hai”

Expert vaise bhi investment aur insurance ko alag rakhne ki advice dete hai, Insurance ke liye term plan lena chahiye jab ki investment ke liye mutual fund best option hai.

Debt me invset

Mutual fund me jyada investor equity me invest karte hai aur debt fund ko avoid karte hai kyunki debt fund ke interest par tax lagta hai.

Debt fund se ho raha short term benefit pe tax lagta hai iss tarah debt fund ke long term benefit pe indexation 20% ke rate se pay karna padta hai.

Lekin Aab Long term capital gains tax se equity fund me 10% tax lagega to iss tarah debt aur equity ka tax differece kafi kum ho jayega.

Debt fund me indexation ki vajah se capital gain kafi kum ho jata hai. Clearance fund ke CEO kunal bajaj ka kehna hai ki “investor ko kai bar bond fund ke benefit par koi tax nahi dena padta.”

Expert ki mane to investor ko portfolio me bond fund ko include  karna chahiye jisko long term ke investment ke liye rakhna chahiye.

ELSS me investment Long term capital gains tax ke baad bhi achha option rahega aur aab debt aur equity me tax difference kum hone se ye bhi investment ke liye ek achha option hai.

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One Comment

  1. Very nice sharing.. I am glad to know the very important information in hindi.. It is helpful for everyone to understand thanks a lot to share..

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