The biggest question while investing in Mutual Funds is whether to choose Growth Option or IDCW. Many investors choose IDCW option without complete understanding and later realize that their money is not growing that fast.

In this video, we will explain in simple language how Growth option gives the benefit of compounding, why NAV decreases after payout in IDCW option, how regular income affects long-term growth, and what is the real difference between the two options. Besides, the process of switching from dividend to growth option, important things related to exit load and tax will also be explained. This video will help you in taking the right decision.

Is your PPF account discontinued because you forgot to make the minimum deposit of Rs 500? Don’t worry! In this video, we will explain to you in simple language how a closed PPF account can be reactivated in just a few steps. When PPF is closed, you suffer many big losses – Loan and Partial Withdrawal stops, only basic interest is given on maturity, entire tax benefit of Section 80C ends but the good thing is that reviving PPF is very easy and cheap. All you have to do is follow these steps: 1 Go to the bank or post office where the account was opened 2 Fill the Revival Form 3 Deposit Rs 500 for every year the account remained closed 4 Add only ₹ 50 penalty every year 5 Submit Form + Payment Slip + Passbook 6 Get the Passbook updated—and PPF is back on! There is no time limit to revive PPF, just do it before maturity. After becoming active, you will again start getting tax benefits, high returns and all PPF facilities.

Are you also bored of investing money in FD and RD? And if you are thinking of getting better returns that too with less risk, then this video is just for you. In this video we will explain FMP Fixed Maturity Plan which is a close-ended Debt Mutual Fund. In this the money is invested in safe instruments. Government Bonds Corporate Bonds Money Market Instruments Debentures meaning Lower Risk + Stable Returns In this video you will know what is FMP. What works? Is it a better choice than FD? Who should invest in FMP? Pros & cons of FMP Advantages of FMP Predictable returns Almost zero impact of market volatility Tax saving with indexation (3+ years holding) No entry/exit load Higher potential returns than FD Some disadvantages which are important to know. Lock-in period Cannot withdraw money during the period Slight credit risk Reinvestment risk If you are looking for low risk + better returns + tax efficiency then FMP can be a smart investment option.

Gold prices have increased by about 48.9% in the last one year, and today 10 grams of gold is being sold for around ₹ 1,14,040. Gold is not just jewellery, but also an important investment. But do you know how gold is taxed? Income tax is not levied while buying gold, but 3% GST has to be paid on the purchase price and 5% on making charge. Real understanding of tax is important while selling. According to the Finance Act 2024, if you keep gold for 24 months, Short-Term Capital Gains (STCG) tax will be levied as per your income slab. Holding more than 24 months will attract a flat tax of 12.5%, without indexation benefit. Gold ETFs and Mutual Funds will attract STCG tax on holding for 12 months and 12.5% ​​flat tax on holding more than 12 months. Sovereign Gold Bonds (SGBs) are different — with a tenure of 8 years offering 2.5% annual interest and tax free returns on maturity. But if you sell quickly, the tax rules will be different.