Answer for your question both nav values are same working method For ex: Neenga oru 100rs ku invest pandringa. Fund A la 20rs per unit ku 5nav so. After increase if you sold. 20.4×5 = 102 Fund B la 50rs per unit ku 2nav if you sold after increase of nav. 51×2= 102 The money is same. But the distribution is different.

No worries on the mistake, hope the intern was fired! 😂

@@zaataravi 🤣 Yeah the intern is taken care of 😜

@@InvestmentInsightsTamil In true sense, dont fire the intern we have all done mistakes, and learn from that. If you haven't made a mistake you haven't tried anything new. So spare the intern, it's fine.

@@ARUNA-sv3se that was just a joke. There is no intern. It's just me and my son in my team. "No interns were harmed from making this video".

மிக்க நன்றி!

Good point.

Very valid one. Plus the professional charge to file a tax return with capital gains if one doesn't know to do on their own like me. I burnt my fingers lately.

Principal and interest on home loan are exempted from taxation... long term capital gain are exempted upto to some level too. If you trade and buy a car from the profit, that can completely be exempted from your business income.

Good points.

I was thinking of this... You made it clear 👍

my doubt also same.iam in 30% tax bracket ,then effect of housing loan interest 5-6%only. same as fd rate fixed income,TDS!!.almost same.For mind satisfaction i preferred repay loan. very good topic sir.தமிழ் மக்களுக்கு பொருளாதாரம் குறித்து பலர் பேசினாலும் தங்கள் போதனைகள் வித்தியாசமான கோணத்தில் உண்மையை அப்படியே போட்டு உடைக்கிறீங்க தலைவா! வாழ்த்துகள்

Also most of us would have filled the 80C at the early stage of the career. Once we grow and reach the 30% slab our PF and existing insurance stuff woul take care fo 80C which is used for the principal amount paid in the FY. Also interest portion is capped at 2 Lakhs and so effective int rate of 4.9 may not be accurate ( Also to be taken into consideration )

@@naveenneelakandan9818 Rightly pointed out, 80C Has a cap of 1.5 lakhs hence not included in the interst rate discounting, it depends on if applicable. Also 2 lakhs cap and additional interest subsidy of 1.5 lakhs applicable for first time home buyers to be noted and it's valid till apartment value is 45 lakhs which is decent enough for a first time home buyer only.

What ever the units you buy same interest is the result so number of units dosent matter Assume both funds with different nav is growing at same rate, what will be the difference? . . . Answer: no difference Explain: Invest 1000 A: Fund NAV is 10 B: Fund NAV is 100 So A obtain 100 unit and B obtain 10 unit If roi is 10% for both 100 rupee 10% is 10 (invest return) 10 rupee 10% is 1 (invest return) But for A we have 100 unit (1*100) and for B we have 10 unit (10*10) (Invest return * number of unit)

I can see the vibe of "Is this a tricky question?" 🤣

🤣

சரியான பதில்

I have took a housing loan with 9.75% with 3 years fixed, Is transfer of loan to another bank will help me to trip down the interest rate or it is mere waste of time. Please recommend. Note: the housing loan is taken in 1.9 years before (2019)

@@senthil_skm Yes, you can transfer it to another bank, but the cost of changing banks should be less than the interest savings i.e there will be processing charge in your new bank and you will have to re-hypothecate your house again in register office. If the loan amount is small it is better not to change as the cost of changing will be higher than interest savings. If the loan is a bigger amount,then compare the costs and savings ! It is also better to opt for housing loans with floating interest rates as future reduction in interest rate will automatically be implemented in your loan. Hope this helps !

When in doubt, split the difference. Good idea.👍🏽

But both the funds are following an Index though.

Sure. It is in my To Do list.

@@InvestmentInsightsTamil Thanks a lot

He was also indirectly asking it WHY?

Your decision is wrong

Some intelligent appear foolish...when index fund how come volatility come into picture...now read again...some foolish appear intelligent 🙄

@@DEV-cw7wf the fund with value 10 should be a new fund kind of NFO, on the other hand the fund with NAV 100 is little older and gained 90 from its base 10. That means it's AUM is better so in case of any huge redemption happens the fund can handel better and not have volatility in the NAV value.

@@arumugampillais6654 Then all the Index funds in the market should have exact same returns. Why there is difference? Who understands that will be intelegent 😀 and who doesn't will be foolish 😀

@@svigneshanand again some attempting to cover up the lack of knowledge of info..he made a clear point and asked what u pick when two idea funds of same size , same return, same tracking error..anyways u continue to prove ur skill..I will stop here. Peace ✌

That is not the right way to look at it. At any point of time, the interest we pay is dependent on outstanding balance. If the balance goes down, we pay less interest. So if the interest is high, it is better to pay towards the balance, regardless of whether we are in the first half or second half of the loan period.