2 GREAT Investment Options For Daughters Education

[@torahulj]

if you find this video useful, please let me know in the comments :-).......

[@godismyprovider74]

Thankyou so much ❤

[@karankarkee3247]

calculator

[@akshunithy]

It's so useful.. Thanks for the informative video.. The most needed one

[@srinivasulupusala5827]

Good explanation

[@swaynecruz]

Was very useful for me actually I was thinking about the same thing. But confused on selecting an Elss .

[@surajmunavalli6923]

Sir I am really impressed by your informative videos. There is no drama, no hype, no unnecessary explanation only pure knowledge. Thanks

[@MicrobianN]

The way you arrived at 12 to 15 pc shows that you are truly an expert, thanks for this info.....keep going higher

[@vinodjadhor7329]

Thanks for clearing my doubts regarding SUKANYA SAMRUDDHI YOJANA & MUTUAL FUND investment

[@discover-with-vijay]

When it comes ELSS, you have considered variation in profit from 8% to 15%. where as for Sukanya scheme, it is conservative of 7.6%. As intrest rates also change from time to time. its not exactly same comparision.

[@rakeshlingam]

With time interest rates will come down.

[@papai80]

@@rakeshlingam now its 8.2

[@hangamadude2023]

@7:30, please give credits to Groww for making such a wonderful calculator. Thanks for Video.

[@AvijitDhar-k9i]

Much needed video... I have invested on the same in the next month my daughter was born.. Thanks for explaining the benefits

[@shabharinath]

Wonderful video and the way explain it is awesome. I was looking for the same comparison in excel sheet.

[@Sethilulu]

God bless your 2 Daughter 😊

[@CuriousInvestor-o1n]

I'm also a father of two daughters. Bingo... Loved your insight Rahul. Thanks.

[@The_Jain1]

Jai Jinendra Rahul Sir. One of the best video.

[@bhushanvaradkar5750]

Thanks for your presentation...Crisp and Clear

[@sanjaychauhan86]

I was looking for this video as I am father of 2 daughters 😊

[@thinkworld.7869]

Very good explanation, in simple language 👍👍👍💐

[@m2ndto9n]

Rahul you are an amazing teacher. I wish we could get some training classes or workshops in future. Also I have a query over a HDFC Advantage Par regular income scheme, would be happy if you can make a video.

[@vipuljindal2126]

Superb Video. I am going with ELSS scheme from last 10 years and have a decent corpus.

[@2shobhit]

Hey Vipul Sir.... Can you please share your knowledge on ELSS funds with me

[@rbodicherla]

Withdrawing from ELSS is very tricky. If you invest lumpsum then you can wait for 3 years and withdraw it. But for SIP....for every investment per month it will calculate 3 years for that again.

[@himanshusutar]

True, thats the reason smartly investment has to be made in case of ELSS so that when required we dont completely rely on elss mf. Elss ko pf ya ssy samaj ke invest and forget. Invest utna hi jitna kabhi zarurat na pade. Aisa mein karta hun 😅😅

[@pakapapita3104]

Thank god i managed to get into a college on merit my dad didnt invest for my schooling

[@rudraanurag8467]

The explanation amd spread sheet comparison is so clear to understand. It makes sense to go with mutual fund. My decission is made easy.

[@sadhna618]

Eye opening presentation sir

[@sourishkeka]

Thank you for sharing the information and explaining clearly

[@yogeshkumar341]

There is one important thing that you missed out in ELSS scheme. Lock in period for 3 years but we need to look for Date of investments of every consecutive payments, after 3 years you will not be able to withdraw full money. We need to wait for 3 years for every consecutive payment. So most of them don't know about this and no broker will inform about this.

[@raogaru306]

Yes. Once I was locked due to unaware of this clause in ELSS.😊

[@narendrasemwal]

I know 😂..that’s why i stay away of elss funds

[@nepalkoiri8180]

Very informative lesson but one thing what will be value of 43 lakh after 18 year.

[@sohanjaincs]

Thank you soo much.... For sharing information. Which mutual fund is better

[@hafizurrahman1202]

Hello sir. This lecture is really informative & very simple to understand 🎉

[@kuldeepraj.7777]

Hi Rahul, it is Great to see this Comparison; I Appreciate it. Taxation on MF will be a vital component for 21 years. It is better to make two buckets: SSS (30% ) and MF(70%). Investment.

[@meditationsleep3820]

Very very useful Video! Thank you so much for sharing a responsible video!😊😊😊

[@sangitakar7192]

Calculator please. Excellent eye opening video. Thank you

[@srikanthkamala99]

excellent information ...you are helping a lot of people like me - Thank you for sharing the details

[@susana426]

He emphasis on capital gain tax whish is very impressive and important

[@rajeshh6073]

Great contents and your presentation is awesome... Please continue sir

[@officialavijitdutta]

Sir, please correct me if I am wrong. When you input 43 lakh into the lumpsum calculator, the investment begins from scratch according to the calculator, which disrupts compounding. In the last six years of investment, we can witness the true power of compounding.

[@medasbabu]

Thanks for the details, I have invested in SSY for my daughter, never thought of this way, still will stay invested in SSY, as I will need to encash it in next 3 years.

[@mdmobin193]

Very simple way of understanding, thank you sir.

[@vanidevi9260]

Thank you so much for explaining in detail.

[@ranjeetd90]

Along with mutual funds, please consider SGB as well. I myself invest in 20% in Nifty50 index fund, 60% in midcap fund and 20% in SGB for my daughters future. MF percentages will keep changing as per the age of my daughter.

[@rahulrahkr9333]

How you invest in nifty 50 index fund? Plz explain

[@ranjeetd90]

@@rahulrahkr9333 UTI Nifty50 Index Fund

[@RiteshKumar705]

Nice Video 👍🏻 Investment should be simple and clear Just invest in equity and debt funds, nothing more is needed Equity you can choose mutual funds if u hav knowledge and can invest some time then stocks too Debt Fund is just for making investment stable which means if you want to withdraw at any time you can use this fund so park emergency funds here, In Debt Fund just select any good liquid funds So portfolio will have just 3 to 5 funds Equity -> Flexi Cap -> Multi Cap Debt -> Liquid Funds

[@UdayKumar-ec5wi]

Thank you for the conclusion... I will go with Mutual fund and stick to 15years at any cost

[@abhisekbiswas3432]

Great awareness sir. Sir I am 46 years of age. A common man having a small shop in my area. Want to invest 6k per month. My question is how should I plan for my retirement? Pls make a detailed video, if possible . Thanks for your videos.

[@prabhubhojan6595]

Set your goal , how much you want to make before you retire, and at what age you want to retire,say 2 crore by 60, now calculate your earnings, spendings, add inflation, add how much your earning increases by year, what ever you save end of month you earn an average of 10-12% return and with these components calculate at what age you can make that 2 crore and adjust your earning accordingly, take risk to get more return.

[@s.panjapagesand765]

I started both ssy and elss. And regularly invest every month last 2 years

[@priyashashidharan154]

Happy to know about SSJ.❤❤

[@tushardabhole1896]

Perfect explanation sir Thanks 🙏

[@kashmirstudio6428]

correction at 1:30 sir, NOT at the age of 21 years, it will lock for 21 years for example if u start at , when ur child age is 08 years, u have to invest for 15 years (child age 23 years) the SSY scheme will matured after 21 years, means when ur child will be at the age of 29 years, it is confusing , but that's the truth. even i have invested in it for my daughter but latter understand that at 29 years of age , most girls finished their education and get married also, so this is not so good option when it comes to their education , as u mention in ur subject

[@aaaaaaaa3811]

Very useful and informative video rahul....all r having kids...and we have to plan for their career and future education....very very useful video...❤

[@gangu15]

thanks for the important, useful and detailed analysis of the investments

[@naveenchalageri7858]

In the video you mentioned that the account will mature when the girl child attains the age of 21 years. But the rules say that the account will mature on completion of 21 years from the date of opening the account. Pls clarify.

[@HussainDaroowala]

Liked the comparison, though increasing the LTCG slab to 30% will be preposterous. There was no LTCG few years back and infact there is a higher probability that it will be reduced seeing the backlash from trading/investors community. On the flip side an inc in LTCG from a slab of 10 to 15% is possible.

[@kalpitkadia]

Nicely explained, even I have 2.5 year old daughter and planning for such kind of savings and investments, thank you so much ❤

[@vinaykumarsoudi7321]

Please invest in SSY , it will help in girl child education/ marriage expenses

[@sunithasr7787]

Thanks sir, very informative

[@varadarajchettiar6925]

Very much impressed of this investment plan sir thank you

[@thebestinteriors5483]

Awesome presentation....keep going...u r sharing amazing content

[@pradyumna135]

Nice information, what to choose and what not to choose

[@ishangoswami2437]

Awesome video with variety of possible outcomes. Thanks for sharing!

[@manikantajakkani]

Liked this video. It is very informative l. Thank you and keep doing more videos about girl child investment/savings plans

[@jayagomes5613]

Well explained sir thank you. I was in a delima whether to go for Sukanya Samriddhi or Mutual fund, now it's clear 😊

[@neerajjain80]

Nice explanation That is supporting in terms of taking value decisions for long term ❤

[@sridharpentapati6285]

Thank you very much for the presentation, could you please provide the Calculator.

[@anuarora3874]

Calculator please.this is Awesome Video !!

[@shilpiburman7102]

Hi Rahul. The calculation you presented in this video was a good comparison and would help in making people take the aporopriate decision according to their circumstances. I hope u will read this message and take out time to please consider responding to my query. Suppose I invest 50000 every month in a MF with expected return of 12% for a period of 7 years in the name of my minor child, who lets say is 11 years right now. According to the calculation the total profit earned at the end of 7 years will be 2159000 approx. Now since the child will turn 18 after 7 years the capital gain tax will be considered for the child who will not have any income. If the child then redeems 7 lakhs each year from the MF untill he/she becomes employed, would it mean that they will not have any tax liability (given that IT is only levied above 7 lakhs).

[@priyankagarg7449]

I too wanna know this

[@vinaykumarsoudi7321]

By that time, the tax rates will change. Invest now, don't worry much about tax

[@drraghavendrasr]

Love your presentation sir, simple and easy to understand.... Is there any multi asset fund with equity taxation available with quality debt component

[@MrH-lv5bp]

Good info... Your video clear my confusion.. thanks from TN

[@pawargopal1321]

Great one sir 👌 I have a clear understanding

[@JabbarShaikh-zl1hq]

thank you so much for this video. your explanation is awesome.

[@sagarkonari794]

Sir thank you so much wonderful explanation 🎉🎉🎉🎉🎉🎉

[@antimakomminoor395]

Thank you so much for this video, it's very useful and clear understanding.

[@pradeepak4489]

Thank you for sharing with us the detailed information on SSY & ELSS.

[@swapneil1988]

Thank you for right advise Rahul- great video

[@sudnerurkar3315]

Hi... What if I invest 10000 but 5000 in Sukanya and 5000 in Elss?

[@manojrcts]

Thanks, Rahul. You did help so many parents. Thanks :)

[@Yadu2016]

Good information Sir... Please explain how to choose mutual investment , which one is genuine

[@kbalaji5029]

Very neat explanation...very good

[@stsant1630]

Clear Explanation Sir ❤

[@kaushiksharma9513]

Advantages of sukanya samridhi yogna(SSY) Vs ELSS mutual fund for 15 years: 1. SSY has low liquidity, you will have to wait 15 years to get the SSY matured. But in case of ELSS you will have to wait only 3 years. After that you can withdraw the money in case of emergency. 2. SSY can only for girls. But ELSS can done for anyone. ( No age limit restrictions). 3. SSY have zero tax. But in ELSS you will have to pay long time capital gain tax. (LTCG) 4. SSY will roughly give you 7.6 to 9% return. But ELSS can give you 8 to 15% return. 5. SSY can be started before your daughter turns 6 years of age. But you can start ELSS at any age of your daughter. 6. You can consider Index mutual fund/ Midcap Fund over ELSS , but both Midcap and Index mutual fund will be taxable. Note: Midcap mutual fund is more risky than Index mutual fund, but there is more chance to give you more returns than an Index fund. ***Recently in budget 2024 long time capital gain tax is increased to 12.5% from 10%.

[@KiranKumar-rt1yt]

Thanq very much bro

[@asifahmad2551]

Kya naya bataya ??

[@manipgt9294]

I have a question,you mentioned that every month 12500..what’s the scenario of 1.5L investment at beginning of the year..let’s say 1.5L on April1 for 18 years?Instead of 12 months one shot investment on April..what would be the capital gain?Is that covered in your discussion? Please let me know..thank you for your video.

[@rajivgupta7544]

Thanks for sharing this video.. Helped in understanding which is better. Calculator please for this

[@VinayVedula]

Thanks for this video 👍

[@shimonfalafelgoa28]

Thank you for explain everything 😊🙏🏽

[@chandernaicker1084]

Eye opener

[@mitchelldalmedia815]

Thank You Very Much Brother, a really useful video..

[@sailuvijl6621]

Can u guide for investment

[@manishajain-hg5zk]

Please suggest can we invest in 30:70 ratio in SSY AND MUTUAL FUND

[@bharanikp]

Very good explanation sir❤thank you ❤

[@subramaniank]

Thanks for the clear explanation.. Really amazing

[@terribelyextremist]

I was looking for a video like this, good video Rahul, thank you :)

[@moumanray6903]

Unique way to explain... Thank you sir

[@suneelc5931]

What a great information sir , hats off

[@SebinMatthew]

I think it today’s world, education is the biggest investment ever irrespective of son/daughter.

[@sundarwunnava479]

Very informative content. Thanks a lot, Rahul !

[@akshatak1312]

Thankyou for the fruitful video

[@subhendudatta6824]

Thanks a lot sir for such informative video.

[@drswapnams5494]

just a doubt ' if there is about 5 lakhs in Sukanya and the daughter is 18 year old now, what should be done to get more Profit ? To keep it there itself or should invest as Lumpsum in any other mutual funds.

[@susana426]

Good clarity.

[@medasbabu]

in ELSS, isn't it tax exempted, that's the reason we invest in this funds?

[@debashisgupta4455]

Rahul,I don't know why you have missed out one point during discussion that at the time of withdrawal,market may not act as you shows in ELSS return.Hear comes the logic of Tax harvesting and in a way we can save more tax and as well as mitigate risk just by SWP to liquid fund or FD of Rs1L per month as you mentioned in your video of emargency fund ..Child education can be termed as emargency fund but in this case it is expected emargency fund.. waiting for your expert comment on this

[@sharmaajay1986]

Thank you for sharing very clear information... Thanks Sir Kindly share spreadsheet

[@pavi592]

Good video. useful information

[@neil7915]

How to invest for a Child in Mutual funds. Is the process different?

[@sheetalsingh3194]

Very well presented. Thank you

[@priyanka-wg4bs]

Very useful vedio..thankful

[@manjunathdesai6897]

Thank you sir clear information