Reduce CAPITAL GAIN TAX by 90%! | Tax Harvesting EXPLAINED!

Reduce CAPITAL GAIN TAX by 90%! | Tax Harvesting EXPLAINED! | Ankur Warikoo Hindi

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Күн бұрын

When you make Capital Gains on your investments, they are taxed!
But, there is a less-known way you can use, to save those taxes, WITHOUT breaking your compounding.
Let’s figure it out in this video :)
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00:00 Introduction
00:50 Tax Harvesting
02:00 Taxes you need to know
03:00 Short term capital gain tax
03:25 Long term capital gain tax
04:30 Tax Harvesting
05:50 Tax Harvesting on Excel sheet
07:30 Reduce Capital gain tax by 90%
11:30 Capital offset on excel sheet
17:00 4 Things to keep in mind while Tax Harvesting
19:30 Conclusions
#CapitalGains #TaxHarvesting #Warikoo
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Пікірлер: 1 200

@warikoo 2 жыл бұрын

Check out Ditto insurance here: bit.ly/3v8D3Al Ditto is backed by Zerodha, and with their free consultation, no-spam policy, and honest insurance advice, you can talk to experts who actually care about you. Subscribe to my all new Shorts channel, warikoo Shorts, and learn personal finance and career tips in less than 60 seconds! bit.ly/AWSHORT My first book is out now! The title of the book is also my life motto: "DO EPIC SHIT" Get yours NOW: ankurwarikoo.com/doepicshit

@faizannasimhyder9011 2 жыл бұрын

But the main challenge here is, we do not remember which stock we bought when exactly.

@kuleshwarmakar4266 2 жыл бұрын

F & O ke Taxes ka details video

@faizannasimhyder9011 2 жыл бұрын

@Rajashekhar Nari you can find tour holding details whether or not it is long term or not. First see it then sell

@rohitsoni9325 2 жыл бұрын

Few Important Points to Note: 1. In case of stocks, when he said "Buy back Instantly", he meant buy back after one day. Else the transaction will be considered as intraday trading. 2. Always calculate broker/SEBI/DP/other charges on broker calculators to know how much you will spend on doing these activities.(Important for people with small portfolios) 3. Do this activity in relatively less volatile times and preferably when there is no trading holiday so as to keep the price as same as possible during your sell and buy transactions. (I did this on less volatile day, sold at 3PM on Monday and bought at 9:15AM on Tuesday)

@girish.b4 2 жыл бұрын

Hello sir Can we save tax on options ,swing ,intraday trading

@rohitsoni9325 2 жыл бұрын

@arnavkhandekar166 2 жыл бұрын

So brother, while filing the IT return how did you show it? I have never filled IT return before but this will be my first time. Can you please tell how to show the net result of this tax harvesting activity

@pradeepsharma6235 2 жыл бұрын

Can you clarify when we have realised a loss why we need to buy that stock again for this tax harvesting concept to take place ? What if we just realised the loss and choose to invest somewhere better?

@the_picsopedia 2 жыл бұрын

Thanks Rohit

@shouryaprakash7767 2 жыл бұрын

bhai jo shares aap kharid k same day bechoge to intraday kehlayega. Agar aap already owned shares ko sell karke fir buy karenge to intraday nhi hoga

@financialthoughts3680 2 жыл бұрын

Instantly buying back will not considered as intraday, because the delivery of buying Is different for intraday (generally called as position) and holding (u can sell only next day)

@Balaji.Rajakumar 2 жыл бұрын

We need to watch the broker/SEBI/DP/transaction charges while selling and buying immediately. May work for people with small portfolio were they can offset until 1 lakh gain. But may not be possible for bigger portfolios. Also if people have more number of stocks in their portfolio, may have to pay increased brokerage. But good and informative video.

@ritesh9347 2 жыл бұрын

One important thing missed here is.... what if the value of stocks is high or low while selling or buying the same stock....entire calculation changes,so think about that as well

@rishabhbeniwal5429 2 жыл бұрын

One of the most informative videos uploaded on the channel. Loved it!

@anujitganguly2029 2 жыл бұрын

Excellent content Ankur. Now, I feel a bit relieved that my loss making stocks can have some utilities too 🤣

@SvenRolfo2258 2 жыл бұрын

Thanks for watching, For more info and advice on stock and investment!! Participate in the ongoing new investment plan🇮🇳🇱🇷 🇧🇩 🌎

@akashchakraborty2189 2 жыл бұрын

No video explains tax harvesting such thoroughly...They only show what it is but doesn't dig deeper into it... The magic of excel sheet ❤️

@gonlineaccounts541 2 жыл бұрын

@warikoo Excellent video like always. Just a small point for you to note that in US one has to wait for a month (or may be it is 2 months) before one can sell and buy stock for the purpose of tax harvesting. The alternate way is that one can buy first n then sell the next day (FIFO kicks in and does the needful); or sell a stock and then buy a similar stock from same basket.

@shashanksingh-fd6ms 2 жыл бұрын

While calculating tax difference there should be one consideration for brokarage charges as we are selling and buying stocks to keep tax low.

@karanganeriwal7117 2 жыл бұрын

also the securities transaction tax

@sukhmandeepsingh3922 2 жыл бұрын

Yeah that's something you gotta add to calculations + if you do bod or sip in stocks that also complicates the things But speaking from my experience it still helps to save you taxes, but your portfolio size should be large

@Arifkhan-sl8fe 2 жыл бұрын

Inse jyada ummed naa rakho Ye ameer hain aur doosron ko hone nhee denge

@Arifkhan-sl8fe 2 жыл бұрын

Inka maheene ka kharcha 3 lakh hai

@Arifkhan-sl8fe 2 жыл бұрын

Hamari income hogi 3 lakh wo bhi annually

@indraniadhikaryindraniadhi9027 2 жыл бұрын

Sir I love this video this is the best video of tax saving I've ever seen this is a really incredible video

@fincalc 2 жыл бұрын

Good one sir. Thanks for providing this idea to share with my audience as well 👍🙂

@shantikumar2570 8 ай бұрын

Hello Ankur, Thanks for this very informative video. Few things to clarify here, 1. In the process of Tax Harvesting - is it necessary to buy the same stock/ MF again? or we an buy anyone that we wud prefer? and What is the logic if it is a 'yes'? 2. Is it correct that we should not buy the same stock the same day to ensure it is not considered as Intraday trading (applicable only for Shares and not MFs?). Wud appreciate you clarification as soon as psbl please. Thanks

@komalsalgaonkar8538 2 жыл бұрын

Sir, how does tax harvesting work if we are on sip on mutual funds and we are keeping it for more than 30 years or so?

@punit5601 2 жыл бұрын

For mutual funds, do we need to wait till settlement after selling before buying it again? Or can we do it even when it's under process?

@nagendraprasadashwath7750 6 ай бұрын

Very neatly explained and your helping many salaried class to overcome burden of tax thru stock/MF investing!

@mrrishiraj88 2 жыл бұрын

Amazing tips shared with love. We can see your love for us. 🙏🙏😌👍

@joshson3258 2 жыл бұрын

INVESTING MAKE UP THE TOP-NOTCH HEMISPHERE OF WEALTH, THAT IS MORE REASON ONE SHOULD SAVE AND INVEST TO SECURE MORE PROFIT AND ENSURE SUCCESS

@Mathias-kk5bs 2 жыл бұрын

That is why I had to start forex trading 2months ago and now am making benefits from it.

@kira-dp3fy 2 жыл бұрын

Thanks for introducing me to Mr Albert Renshu profit of over $44,000 Us dollar

@davidwyatt2025 2 жыл бұрын

My first investment with Mr Albert gave

@caromarci7787 2 жыл бұрын

and I can even say he's the most sincere broker I have known.

@catalinagunter8779 2 жыл бұрын

O' Yes I'm a living testimony of Mr Albert Renshu

@Shashanksingh-lq8uc 2 жыл бұрын

For extra smart people. To book loss, don't take loss making postion intentionally. The taxes you will save will not be more than what you would have earned by investing your money in right stocks.

@SachinS-sf2vm 2 жыл бұрын

True

@AshishKumar-vj7fq 6 ай бұрын

Thanks for your information as always. Today I learned about it & will definitely use it.

@ParamjeetSingh-vk4md 2 жыл бұрын

Ankur, I think u missed one important point in this video.. 1. In second year onwards, when you are sellling and purchasing again the assets, the prices of stock will change by current date price. Hence, the exact gain for each year will change also..

@kcmv4479 2 жыл бұрын

Hi Sir, I need to buy insurance but do I really need to think of going to DITTO, NAVI or other sources ?? It would be great if you could make a video on Ditto and Navi comparison I am just married and your videos are an inspiration the way one should plan a life Thank you for you contents I wish we had this education at least from college if not school life where awareness is more important than just a career. What's the point of investing if you one doesn't know taxation. Once again thank you for everything

@saiak8258 2 жыл бұрын

A video on ITR filing related to equity stocks is appreciated ☺️

@sirimano6104 2 жыл бұрын

Ankur Bhai .. this the best one you have given us so far. 🙏

@avagarcia6961 2 жыл бұрын

When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health.

@charlottebrown9336 2 жыл бұрын

The market is so volatile now to be depending on bull run to make profit,I advice everyone to trade now with a working program with like that of Kathy Genelle Britton so far she is helping me find investment that has significant growth potential.

@punitdubey000 2 жыл бұрын

One thing i didn't understand that.... "Long term capital gain tax is the tax on selling stock that are to be hold for 1 year also for realising P&L for the ITR we have to file each year so , If this is the case then we have to sell & buy stock on 28th November each year such that we realise the P&L then, how we have to give long term capital gain tax ,in this case we have to give short term capital gain tax because even if we sell & buy stock immediately then for the next year we have to do it just next day of 28th November to realise complete portfolio

@kapilagrawal8338 5 ай бұрын

Bro, I hope you don't have only 1 stock in your portfolio. U will not only buy and sell the same stock. In this case, you have to transact one by one stocks. U have to sell A if you have A to E stocks and then in next year B or C. B will be long term. I hope you understand my point

@heervakaw1 3 ай бұрын

@@kapilagrawal8338 i have similar questions you do this one stock for once and then you dont for entire financial year ?

@nipunprusty381 2 жыл бұрын

I could make out 2 BIG DISADVANTAGES of tax harvesting for LONG-TERM Value investors. Those are in dividends and wealth generation in long term. @ankurwarikoo sir, if u could know, please make a video on that so that people could be wealthy by not indulging in tax harvesting.

@siddharthakushwaha3168 2 жыл бұрын

@warikoo : can we implement first part of tax harvesting on NPS tier 2 account? If yes, how is duration of investment calculated for partial withdrawal in NPS tier 2?

@BHARAT9X Жыл бұрын

Hi Ankur, kya tax harvesting STCG tax pe applicable hoga for less than 1lac profit.. Like koi ipo share bechna at the time of listing. Also suggest kya ITR me profit dikhana hoga less than 1lac hai fir bhi

@sravanvulli505 2 жыл бұрын

Hi Ankur, Could you please do a vedio applying this tax harvesting concept with respect to smallcase investment, as it has different charges (i.e., onetime charge if we exist smallcase for tax harvest etc.,). This will be helpful for those smallcase investors who are born from your vedios 😅. Thanks in advance 🤝

@SvenRolfo2258 2 жыл бұрын

Thanks for watching, For more info and advice on stock and investment!! Participate in the ongoing new investment plan🇮🇳🇱🇷 🇧🇩 🌎

@rinkaljain2939 2 жыл бұрын

Hey Ankur, Could you please guide us how can we save taxes while doing SIP , I have 10 Sip worth rupees 5k each which means 50 k in SIP which is basically I am investing due to unplanned expenses.. So in that case how can i save taxes..

@nitigya 6 ай бұрын

I think tax harvesting will affect the compounding in case of SIP. Please help, @warikoo

@patrahk2009 2 жыл бұрын

Best content. Thanks for sharing the knowledge on tax harvesting.

@apnabini 4 ай бұрын

👌 You've addressed a crucial topic which every new investor should master before entering the market. I hadn't realized earlier the wisdom in selling losses for the benefits of loss harvesting. Also shifting your remaining capital to a faster up-trending stock can cover the loss, rather than relying on hope. In essence, it's important not to be emotional about losses and to find strategic ways to offset them. Additionally, it's almost mandatory to leverage the LTCG relaxation of 1 lakh before March 31st. If not done, you might not know when your gains will be in the multi-lac range in the future, but the opportunity to benefit from the 1 lakh relaxation will be lost, and you'll be unwillingly pay taxes on the entire amount. Just make sure you sell on very bullish day so that your chances of getting same price is maximized. Also little expenses on transaction will be offset. 👍 if you like the comment

@aritramondal6475 2 жыл бұрын

That's actually very clever Ankur. Thanks for the advice.

@arfatazizkhan2393 2 жыл бұрын

Sir Aap ne tu "Zor Zor Bolke sab ko scheme bata diye " 😁😂😂😂

@nikhilyadav6794 2 жыл бұрын

Best strategy.. thanks alott sir for this video.. You are simply spreading immense free knowledge to us🙏❤️

@eshankgupta Жыл бұрын

Thanks Sir for all the knowledge sharing. Specially middle class people lack clarity on what is Investing. And you have brought lot of clarity in peoples mindset. My question is, 1. Is there any way for tax harvesting for only SIP investors because the ones you explained works for sumsum in my opinion? 2. Suppose i invest in Quant Active mutual fund, Do they keep changing companies present in this fund and invest in them based on assessing the current market situation every other day Or They stick with them forever Or They change after longterm(>5 years) Thank you again!

@shubhamsingla7048 2 жыл бұрын

One thing to remember that Ankur might have forgotten is, as you sell the loss-making stocks and instantly tried to buy those stocks then generally in Demat accounts we didn't get the same amount in that day but got it after the settlement period, so if you don't have already cash in Demat account then you can't instantly buy the stock and in 1-2 day the price might change.

@amitkar292 Жыл бұрын

Bro.. You get the 80% amount instantly and the rest amount credit after T+2 days.. So you can buy 80% stocks instantly...

@lakshmitejas1685 Жыл бұрын

You can buy sell on same day. Problem is not money here. It will be considered as intraday. You need to buy next day at any cost.

@himadribarman7385 6 ай бұрын

@@lakshmitejas1685 I think re-purchase has to be done before the financial year ends, right? But if you wait for long, the stock price will rise up more.

@nirmalya_ns 2 жыл бұрын

Hello Wariko, I have a question, I'm not getting answer of this anywhere. If my income and capital gain both total are bellow 2.5 lakh less than taxable income then is it necessary to file incom tax return? I'm a student and I make around 1K per month which makes it much much less than taxable income. But I sell some of my investment within 1 year and I'm now confuse if I should file income tax return or not.

@ashwinnair5858 2 жыл бұрын

@Nirmalya Sarkar If your total income is less than 2.5 lakhs then you are not mandated to file your IT returns.

@nirmalya_ns 2 жыл бұрын

@@ashwinnair5858 thankyou so much for the information, it is immensely helpful for me.

@neerjamishra9338 2 жыл бұрын

Sir you just explained a complex thing in the easiest way. Loved it ❤

@KushalAbrol 2 жыл бұрын

Seemed counterintuitive at first but such a useful approach. Thanks Ankur! 😅👍

@deepeshpareek8301 2 жыл бұрын

Hey Ankur if you are selling stocks within one year then how it will be considered as long term capital gain.. 3:45 as so explained... So how we can avail that 1 lakh for short term ( if sold within one year )...

@atifimtiyaznazeer 2 жыл бұрын

so sell after one year

@shauryagupta2356 2 жыл бұрын

Sir can you relate this thing with that of compounding. Can you make an excel sheet that with the help of not only investing but also tax harvesting how can we retire at age 35 or 40.. PLEASE

@shravanbollineni6820 2 жыл бұрын

Hi Sir, Can crypto losses be used to offset other stocks or mutual funds gains?

@vshekhar0710 2 жыл бұрын

Thank you for sharing Ankur. This is phenomenal information

@vanshjain6143 2 жыл бұрын

Sir i have heard that when u sell and buy them on the same day it acts as an " intraday transaction ". So ideally we should buy the share after one or more days. Is it true???

@vjyrml 2 жыл бұрын

Your correct✅

@warikoo 2 жыл бұрын

Correct

@ProGaming-yr8xm 2 жыл бұрын

if you sell shares and buyback on same day u also get penalty for doing it! so it better to buy after 2 days !

@kuntalkundu6333 2 жыл бұрын

Hi, Ankur I have a question regarding your video. In the first scenario, you have shown the technique of selling the stock and buying it before it accumulate 1lkh capital gain. But according to your video, if we do that every year won't we fall under STCG?

@pranavkulshrestha21 2 жыл бұрын

After completion of 1 year on that stock / sip

@sourabhraghuwanshi1910 10 ай бұрын

Is 1 lakh profit is tax free in short term capital gain

@isidme 2 жыл бұрын

This is just so crazy idea, I'm in Australia, we have to pay taxes on all gains, no min threshold like in India; however, I'm pretty sure I can use it to do some magic stuff. Thanks Ankur!

@saurabhpranami6404 2 жыл бұрын

Hii Ankur sir I have been watching your videos since very Long and they are very informative to me ♥️ . Thanks for bringing such a informative content with us . And (I want to know about Japan index nikkei that since 1991 it only goes to 12 % till now so how does that possible what is the reason behind that can you guide me ..) if it is possible than please make a video on thus it will be beneficial for us .

@konnichiwa3150 2 жыл бұрын

What if I bought a reliance share (for example) a year ago and again bought it maybe a few weeks ago. Now how will i differentiate in long term wala same share and short term wala share. And how will I know which one I am selling?

@SvenRolfo2258 2 жыл бұрын

Thanks for watching, For more info and advice on stock and investment!! Participate in the ongoing new investment plan🇮🇳🇱🇷 🇧🇩 🌎

@warikoo 2 жыл бұрын

First in first out. Which means stocks bought first will be considered while selling

@akashagarwal5592 2 жыл бұрын

One very important aspect that is missed in this video is that by doing this one won't save tax permanently, it's just that one would be able to defer the taxes.

@s0ulweaver 2 жыл бұрын

No. You actually do end up saving tax.

@warikoo 2 жыл бұрын

That’s not true. You actually save taxes

@akashagarwal5592 2 жыл бұрын

@@warikoo how?

@akashagarwal5592 2 жыл бұрын

@@s0ulweaver how?

@ProGaming-yr8xm 2 жыл бұрын

@@warikoo if you sell shares and buyback on same day u also get penalty for doing it! so it better to buy after 2 days !

@rushabhpatel3323 2 жыл бұрын

it's amazing, I learnt new today from this video thanks man 🙌🙌

@novelcret 2 жыл бұрын

This logic works only for small gain/loss, doesn’t apply to large amount of capital gains. Would appreciate if you can share the idea of Capital gain tax offset against borrowing costs

@rishabbasti8233 2 жыл бұрын

@warikoo hello sir I have a doubt you mentioned we need to sell the stocks of less than 1 lakh capital gains so that we don't get taxes and then buy the stock again.. but won't the price of the stocks be different from the day we bought it one year back basically won't it be costly i mean speaking from an averaging perspective it will cost us a lot to buy the same amount of stocks ??

@TusharAgarwal_coolNcrazy_champ 2 жыл бұрын

You will get realised profit as well after selling the shares. You are actually utilising the initial invested amount + profit to buy back same shares to cut tax. After you buy back although it may not look good in your portfolio in terms of averaging but you have actually utilised your profit and reduced 1 year of counting on shares.

@DrArchanaTurimella Жыл бұрын

When you are selling you are selling at that moment's market price so you will be buying the same stocks or same MFs at the same price. That's why they said sell and buy immediately..

@OmGadhiya 2 жыл бұрын

Didn't understood, if I sale my stocks worth 175000 and then immediately buy it at the current prize/ share then how it would be effective ?

@CamperSquad677 2 жыл бұрын

Let's make it simple. Suppose you buy a stock worth 200000. After 1 year suppose it has 15% gain and it is valued at 230000. Now you sell that stock and earn 230000. Then instantly buy that same stock by giving up 230000 rupees that you earned a while ago. Now your long term capital gain is 30000 on which 0 tax is applicable. In the next year suppose your 230000 is incremented by 15% again and now it becomes 264500. You now sell that stock for 264500 and buy it for 264500 after a while. Now your long term capital gain for 2nd year is 34500 on which no tax applicable . This process thus goes on

@OmGadhiya 2 жыл бұрын

@@CamperSquad677 *Yes Bro in this para u r 100% right , i have understood this concept , BUT , IF I SELL THE STOCK OF ₹230000 ,THEN HOW CAN I BUY IT WITH A CURRENT MARKET PRIZE BECAUSE THE PRIZE /SHARE WILL BE HIGHER ?* THATS THE CONFUSION

@pleasedontsubscribeme4397 2 жыл бұрын

@@OmGadhiya yeah, i am also thinking about it, maybe he meant that particular stock you sold or some other stocks with almost same annual returns. This method is effective as you need to understand that the returns are on the total money invested and not on the number of stocks. The money gets compunded, number of stocks is irrelevant in this calculation.

@nishantpandit2487 4 ай бұрын

@@CamperSquad677 short term k lie 1 lac wali chhut h ya nhi please bataye 🙏

@AnilS30 2 жыл бұрын

Excellent video with detailed explanation with examples.. there is a small challenge in this approach. If we sell today, we get settlement only after 3 days . By the time we get the money in our bank account, the price would have changed (gone up for buying again). What are your views..

@KrishnaYadav-tf5wu 2 жыл бұрын

Thanks Ankur for a wonderful video...nice concept 👍. My query is why buy back the loss making stock. Just use the money to buy a better/profitable stock 🤔

@sandeeptiwariitis 2 жыл бұрын

I knew this from other you tubers. What I wanted to know here is, if I am doing an SIP on smallcases then how would it be dealt with? Calculating 12 months window will get messy. Please advise.

@ranjitramakrishnan6823 2 жыл бұрын

It to be monitored with number of units

@alexdickson6819 Жыл бұрын

Hello what is the best way to get started with bitcoin investment or Forex trade cos I have been making my personal research for a while now

@guccimary3427 Жыл бұрын

As a beginner who don't understand how bitcoin trade really work and you really want to make profit from it, I will advise you to first start working with a professional broker

@munnirharuna2279 Жыл бұрын

+14

@munnirharuna2279 Жыл бұрын

@harshitagrawal1925 2 жыл бұрын

Sir do we have to sell it exactly after one year so that our compounding effect does not get lapsed??? If capital gain is above 1,00,000 so every year we'll have to pay taxes on additional amount..right?

@sureshbhange1348 Ай бұрын

Thanks. Good explanation. Very clear talk.

@bhavyatrivediofficial 2 жыл бұрын

Make a video on... How inflation is a good thing for economy?

@princechoudhary8215 2 жыл бұрын

Pagal - Wagal Toh Nahi Ho Gayi Ho

@zyx7955 2 жыл бұрын

Are u mad ?????

@parthjain1496 2 жыл бұрын

@@shubham82 these are bjp IT bots Who is defending govt failure so that they can win in 2024 election

@bhavyatrivediofficial 2 жыл бұрын

@@shubham82 do some research.. Before making any statement

@parthjain1496 2 жыл бұрын

@@bhavyatrivediofficial hike in petrol price is also good for india 😂😂😡

@lanjuan734 2 жыл бұрын

Good analysis guys, I have been making profit of $8,000 every week from eighteen different stocks which I have been trading from January till date, your analysis is good but trading this stock would increase your equity

@elizabethrichard7133 2 жыл бұрын

How to get to you

@elizabethrichard7133 2 жыл бұрын

Do you have a handle

@graceamos7845 2 жыл бұрын

I haven't been doing too well on stock trading

@graceamos7845 2 жыл бұрын

I need more insight on it

@lanjuan734 2 жыл бұрын

You can reach me through my mail

@deepaksurana7948 2 жыл бұрын

Thanks Ankur, for all the great content! Quick question: Is there no "Wash Sale Rule" for Indian equities?

@pritamhait Жыл бұрын

Sir need your help... Mera stock future option mai is sal mai loss 4 lakh Is sal mai stock buying selling (STCG) mai pft 4 lakh . Then mughe 15% stcg tax Dena hoga ?

@ruthvik_kittur 2 жыл бұрын

Hello Ankur, As far I know, I think we shouldn't buy back the stocks we sold immediately for the purpose of tax harvesting as this would create some regulatory issues ( fine and all). We should atleast wait for a day to pass to buy them back. Posting what I heard somewhere, need to check with actual facts..

@caesar_cipher Жыл бұрын

I agree we should wait at least one day. Because brokers report SFT transactions and send directly to IT to reflect in AIS report. Also they submit report to CAS. Now brokers typically calculate brokerage reports at the end of day. So to make sure this sell and buy are reflected separately , its better to buyback after 1 day Otherwise in worst case, because of netting at EOD you can have BBS instead of BSB (B = buy, S = sell, here the first B reflects the initial buy of stock). So BBS would mean just one shortterm transaction instead of BSB (where we want one desired long term transaction )

@harshsodhani 2 жыл бұрын

My one friend tried this but selling and buying on same day will be treated as intraday transaction. Hence one day gap is needed. And the next day, prices flew high making losses and third brokerage cost and stt,.stamp duty will be higher

@harshsodhani 2 жыл бұрын

Sir ji, I hope it should not be sarcasm from your side. You are really great in making videos and motivating/inspiring/mentoring people. I follow your you tube channel and I don't even dare to make any video. Just shared my experience through comment. Pls excuse if you feel bad.

@mann4976 2 жыл бұрын

Fake reply scammer

@chhavikantsingh 2 жыл бұрын

@@harshsodhani It's a fake comment just look at the channel's name ... Cross verify by clicking on name of channel and check the videos and number of subscribers. It's a fake account be careful with such idiots

@jayantpandey8088 2 жыл бұрын

Nice explanation. Thank you

@arindambiswas6868 Жыл бұрын

Pl ascertain whether on sale of hitherto unrealized stock/ mutual fund on loss, one has to purchase same stock or mutual fund to get the benefit of stock harvesting.

@Amitparashar14 2 жыл бұрын

This method is bogas.. Let me tell you how.. If that stock is good. You will buy it again for 400 rs then if it goes 600 rs then you have to pay taxes on 200 rs rather than 100 rs..!!!

@vanshgirdhar9456 6 ай бұрын

Bro your 200 rs gain will offset by 100 rs loss and you have to pay tax on 100

@Noproblem45 6 ай бұрын

@@vanshgirdhar9456lekin woh already setoff kar chuka hoga tab😂,sahi point pakda h yeh

@chetan_l 6 ай бұрын

Well, what about loss carry forward? That will help in offsetting the higher gains (say, eight years later), right?

@Noproblem45 6 ай бұрын

@@chetan_l it's real bogas bcuz anyway u have to pay tax ,if u set off now then in near future after having gain u will pay the tax on set off amount too

@dassanimanisha 6 ай бұрын

What about the brokerage and other charges which will be added in every transaction

@harshjoshi3204 Ай бұрын

😂😂5k savetax and loose 15k

@soumit. Ай бұрын

How?

@deepanraj4611 Ай бұрын

How

@harshjoshi3204 15 күн бұрын

For big investment @@soumit.

@poonampatil7800 2 жыл бұрын

I was knowing abt Tax harvesting is something, but the way you explained made me fully understand it, Thanks for sharing knowledge in easy to understand language and by examples

@waheguru1810 Жыл бұрын

Please clarify if one can sell one's shares/MF units of a particular company and buy share/MF units of another company and still avail (a) tax harvesting benefit, and (b) off-set STCL/LTCL.

@jitendramane617 2 жыл бұрын

Good informative video 👍 but equity brokerages are not considered while selling and buying the stocks while harvesting. How can taxes be saved on short term gains?

@sidkuwait 2 жыл бұрын

very clear n crisp explaination...

@prathameshnikam2412 Жыл бұрын

awesome sir...its really useful video... thanks u so much

@nischalnayak3008 2 жыл бұрын

This is absolutely gold! Sorry I'm not sharing this with anyone...

@sachinpatil2252 Жыл бұрын

Thanks for this information.... Very useful.

@watermelon948 2 жыл бұрын

So nice explaination sir. Keep it up.

@sachinucer 2 жыл бұрын

it’s really great video , I have few doubts while running through tax harvesting , let’s suppose my salary in bracket of 30% and I have got 30k short term profile and 1 lakhs short term (intraday loss) so can this be set off? If yes then should I pay based on 30% tax slab or 15% tax as it’s short time profit/loss

@strongholdcorporation3268 6 ай бұрын

Very nice information. Good way to kick out loosing stocks. Thank You. Thank You. Thank You.

@srinivasanananth574 Жыл бұрын

Hi Ankur, I've a query. What if the MF gain just reached 1L within one year, (short term regime). Any way to tax harvest for realising nil tax.

@ramsinghgodara9798 10 ай бұрын

Thank you Sir Explain each & every thing in very simple way Wah Wah Sir

@sugatasen6533 8 ай бұрын

Hi Ankur.. apparently a very clever idea. But as another person has said there is considerable transaction expenses involved which needs to be added to Rs.4k. yet it is attractive none the less. But you never know once you sell your stocks and again buy it back, due to volatility, you may incur loss of the price falls.

@sagarbunki5582 2 жыл бұрын

I am investing every month so some qty will be in STCG and some qty in LTCG in that case how is

@mahalicreations7870 Жыл бұрын

Wow sir your instructions are so great

@devanandkatangot2931 Жыл бұрын

Crystal clear video ✓✓✓ great!!! I need a clarification. Suppose i have investments in 5 different MFs it's all on random lumpsum basis ( no SIP) except in one in which i hv made one time lumpsum of ₹ 15 lakhs in Aug 2021. Now my question is should i or can i do the instant sale n repurchase ( that's allowed in my fund) every year starting from this financial year 2023-23 to harvest LTCG only in one MF or all Funds just by default so that date of aquisition is always remain just 1 year old.

@bhuvansorout Жыл бұрын

thank you for the valueable information sir

@imtiyazmohammed9189 2 жыл бұрын

This is the best video I've seen on internet today

@ramdass559 6 ай бұрын

Very clear and easily understandable guidance. Thanks. 😊

@AK-qj9id 2 жыл бұрын

Sir just my bit. If you sell and buy immediately, that will become speculative and taxed differently like Intraday trade. Rather wait 2 days and buy again to make the transaction totally delivery based. Please correct me if I am wrong

@PawanAbhay 5 ай бұрын

watching this video about 1 year later but still the knowledge gained by this video rocks

@rajneeshraikwar3930 3 ай бұрын

Sir ji, kya equity mutual fund ke profit ko Elss mutual fund me switch karke income tax bacha sakte hain?

@nstrokes 2 жыл бұрын

One of the best advice I got till date. Quite interesting. Thanks alot!

@pareshnmahapatra 2 жыл бұрын

Ankur correct me if I'm not : We need to have the same amount in our trading account matching the value of stock we would sell. Because we can only use certain amount of sell proceedings to buy the same stock which we have sold on a particular day.

@mohamedghouse721 2 жыл бұрын

Am a new investor and I have a doubt, when you say "you have to pay tax" is this you mean to say like I have to pay tax separately or it will be deducted and adjusted with the amount I get back after I sell a stock in my broker account balance. Plse do reply on this!..

@priyajitghoshal2791 2 жыл бұрын

ankur sir tax harbesting main compounding khatam ho jatah he?(mutual fund mein).if not then please elaborate

@AnilInsan Жыл бұрын

Excellent video. Thanks for sharing, Ankur I have two questions. The first one is, for example. I buy ten shares of a stock every month. for 2021, I bought 120 shares, and the series continues for this year. Now I want to book my profit. How does Zerodha consider my long-term or short-term gain? Does it know which stocks I'm selling? Is the one-year consideration pro-rate based? The shares I bought in December 2021 will become long-term only after December 2022. again, the question is how Zerodha knows which shares I'm selling. Second one: is the above tax regime applies to NRI accounts? I have a Zerodha NRI trading account. Would you please help with a video specific to NRIs who trade/invest in India? Best Regards Anil Jangra

@LifestyleEngineer 2 жыл бұрын

very useful concept of tax harvesting... very well explained sir

@b40tejaskamte36 Жыл бұрын

I have question for warikoo sir what if at 5th year i sold my stocks at small small amount less than 1 lakh capital gain each than i have to pay tax ? 9.58

@vineet2700 6 ай бұрын

Hi! Thank you for this formative video. I have a question: if I end up paying the LTCG of 10% upon selling the stocks, then will I be charged direct tax as per my tax bracket while filling ITR?