Mutual Fund GROWTH Plan vs IDCW (Dividend) Plan - Which is Better ?

Тәжірибелік нұсқаулар және стиль

Mutual fund schemes offer two primary options for the investors: the Growth Plan and the Dividend Plan. Although both plans share the same underlying portfolio, the key distinction lies in how the returns generated by the mutual fund are utilized. In April 2021, SEBI replaced the term "Dividend Option" with "IDCW."
In this video I am explaining the Mutual Fund Growth plan and Dividend Plan (now IDCW) in detail. This includes, how mutual fund returns are taxed and how the taxation is different in both Growth plan and IDCW (Dividend) Plan. This video contains returns calculations of both plans so that you can understand the difference clearly. The benefits and drawbacks of both plans are explained in detail so that you can choose the best plan according to your needs.
Disclaimer
The mutual fund mentioned in this video is for illustration purpose only. This should not be considered as an actual investment recommendation. The information in this video is for educational purposes only and does not constitute financial advice. Mutual fund investments are subjected to market risk, and there is no guarantee of profits. Any investments you make based on the information in this video are entirely at your own risk.
© Pishukkan Episode 121
#mutualfundinvestment #dividend #idcw #dividendpayingstocks #howtoinvestinmutualfund #mutualfundtips #mutualfundforbeginners #bestmutualfund

Пікірлер: 101

  • @shefeeqpm5413
    @shefeeqpm54137 ай бұрын

    Most of the channels keep the content repeating and many are just basics about mutual funds, sip , long term investing , compounding etc which are already known to the people who invest in MF . But this is something not known to many that how % return is calculated for dividend or growth MFs. Good one !

  • @njanarun

    @njanarun

    7 ай бұрын

    Thank You ❤️

  • @Sher-jq2sd
    @Sher-jq2sd7 ай бұрын

    Useful information.. thanks

  • @TheJuliantj
    @TheJuliantj7 ай бұрын

    A very useful video with understanding explanation. ❤. Expecting like this useful videos again.

  • @njanarun

    @njanarun

    7 ай бұрын

    Sure 😊

  • @Kydyhsh
    @Kydyhsh7 ай бұрын

    Thanks for the mutual fund playlist.. ❤

  • @njanarun

    @njanarun

    7 ай бұрын

    You are welcome! 😊

  • @shameemppvkd
    @shameemppvkd7 ай бұрын

    Very useful information..,keep going .,really appreciate you ❤

  • @njanarun

    @njanarun

    7 ай бұрын

    Thank you 💕

  • @shafeeqfaizal325
    @shafeeqfaizal3257 ай бұрын

    Good presentation keep going ❤

  • @njanarun

    @njanarun

    7 ай бұрын

    Thank you 😊

  • @choorni1234
    @choorni12347 ай бұрын

    Useful content

  • @praveenkambady
    @praveenkambady20 күн бұрын

    Nalla avatharanam. Clear explanation

  • @njanarun

    @njanarun

    20 күн бұрын

    Thank You

  • @anugeorge4806
    @anugeorge48067 ай бұрын

    Really this video very useful for investors like me... Thanks to choose this topic for us ❤

  • @njanarun

    @njanarun

    7 ай бұрын

    Glad to hear that

  • @muhamnedshaheer2458
    @muhamnedshaheer24585 ай бұрын

    Enterley different from other channels.. Keep going pishukkaaaaa..😻 Let the million reach happen soon..

  • @njanarun

    @njanarun

    5 ай бұрын

    Thank you so much 😀

  • @AjithKumar-qi3bu
    @AjithKumar-qi3buАй бұрын

    Good information bro. Thanks

  • @njanarun

    @njanarun

    Ай бұрын

    🥰🥰

  • @Shamskazmi786
    @Shamskazmi7867 ай бұрын

    Useful information 👍🏻

  • @njanarun

    @njanarun

    7 ай бұрын

    Thanks a lot

  • @leeotheexplorer6393
    @leeotheexplorer63937 ай бұрын

    Really good bro thanks alot

  • @njanarun

    @njanarun

    7 ай бұрын

    😊

  • @tomvarughese9923
    @tomvarughese99233 ай бұрын

    Very informative message for beginners Thanks ❤

  • @njanarun

    @njanarun

    3 ай бұрын

    My pleasure 😊

  • @rsreenivas
    @rsreenivas4 ай бұрын

    Thank you for this useful information

  • @njanarun

    @njanarun

    4 ай бұрын

    😊

  • @remyaaneesh4207
    @remyaaneesh42077 ай бұрын

    Valuable tips😊😊😊

  • @njanarun

    @njanarun

    7 ай бұрын

    Glad you liked it

  • @subirajr843
    @subirajr8437 ай бұрын

    Good one....❤

  • @njanarun

    @njanarun

    7 ай бұрын

    Thank You

  • @vinodc.gpillai3280
    @vinodc.gpillai32807 ай бұрын

    well explained

  • @njanarun

    @njanarun

    7 ай бұрын

    Thank You ☺️

  • @mohammedshereef4092
    @mohammedshereef40925 ай бұрын

    Good information....❤

  • @njanarun

    @njanarun

    5 ай бұрын

    Thanks

  • @sulusulfan2292
    @sulusulfan22923 ай бұрын

    Thank you ❤

  • @homeof3bros424
    @homeof3bros4243 ай бұрын

    Very useful information thanks 🙏😍

  • @njanarun

    @njanarun

    3 ай бұрын

    So nice of you

  • @weapon-X007
    @weapon-X007Ай бұрын

    താങ്ക്യൂ ബ്രോ.

  • @njanarun

    @njanarun

    Ай бұрын

    ☺️

  • @clinton1021225
    @clinton1021225Ай бұрын

    Good one 😊

  • @njanarun

    @njanarun

    Ай бұрын

    Thanks 😊

  • @pradeepkumars6399
    @pradeepkumars63993 ай бұрын

    Very useful

  • @njanarun

    @njanarun

    3 ай бұрын

    Thanks a lot

  • @emmanuvelantony406
    @emmanuvelantony4067 ай бұрын

    Enik esaf bank il aanu account ullath. Innu anweshichappol RD interest rate 8% undenn arinju. Post office il 6.7% aanennanu arinjath. Esaf il RD idunnath safe aano ?

  • @Shaarutrivian
    @Shaarutrivian6 ай бұрын

    Thanks ❤

  • @njanarun

    @njanarun

    6 ай бұрын

    🥰

  • @adarshva8901
    @adarshva89015 ай бұрын

    Nice

  • @njanarun

    @njanarun

    5 ай бұрын

    Thanks

  • @ashaskalways
    @ashaskalways6 ай бұрын

    one question to this : If a person is choosing IDCW payout , the return will be paid automatically to the account or only on redemption ?

  • @vasudevan11
    @vasudevan112 ай бұрын

    good

  • @njanarun

    @njanarun

    2 ай бұрын

    Thanks

  • @yadhukrishnan6547
    @yadhukrishnan65477 ай бұрын

    Please do a video about tax harvesting in mutual fund if we using sip instalment how to do and Ath compounding ne effect aakkumo ennum ❤good content aanith

  • @njanarun

    @njanarun

    7 ай бұрын

    നല്ല ടോപ്പിക്ക് ആണ്. Thank you for the suggestion.

  • @ajnasbinbacker1176
    @ajnasbinbacker11767 ай бұрын

    informative

  • @njanarun

    @njanarun

    7 ай бұрын

    Thanks

  • @Alien_mallu
    @Alien_mallu3 ай бұрын

    Useful 😂😂🎉🎉

  • @abdulrasheedm.iputhenchira3912
    @abdulrasheedm.iputhenchira39124 ай бұрын

    Use full video

  • @njanarun

    @njanarun

    4 ай бұрын

    Thanks

  • @soorajtp6422
    @soorajtp64227 ай бұрын

    useful

  • @njanarun

    @njanarun

    7 ай бұрын

    Glad you like it

  • @akhileshp7737
    @akhileshp77377 ай бұрын

    👍👍

  • @i_shyam
    @i_shyam7 ай бұрын

    👍🏼

  • @njanarun

    @njanarun

    7 ай бұрын

    😊❤️

  • @SalamM-gg1nd
    @SalamM-gg1nd5 ай бұрын

    👌👌👌

  • @njanarun

    @njanarun

    5 ай бұрын

    🥰

  • @kamarkpkn
    @kamarkpkn6 ай бұрын

    👍👍😊 good

  • @njanarun

    @njanarun

    6 ай бұрын

    🥰

  • @Varunz12
    @Varunz127 ай бұрын

    Chetta 1 doubt. Njn monthly 3K sip vazhi equity small cap il 3 company il ettal ano nalladh. Ado 3k um 1company il edunna ano nalladh? For 5yrs

  • @njanarun

    @njanarun

    7 ай бұрын

    അത് ഓരോ ഫണ്ട് അനുസരിച്ച് ഇരിക്കും. എന്നാലും 3 small cap ഫണ്ട് എടുത്താൽ മൂന്നിലും ഉള്ള സ്റ്റോക്കുകൾ ഭൂരിഭാഗവും similar ആയിരിക്കും. അതുകൊണ്ട് ഒരേ സെഗ്മെൻ്റിൽ പല ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതും ഒറ്റ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതും ഏകദേശം ഒരുപോലെ തന്നെ ആണ്. Diversify ചെയ്യാൻ വേണ്ടി പല മാർക്കറ്റ് ക്യാപ്പിൽ ഉള്ള ഫണ്ടുകളിൽ നിക്ഷേപിക്കണം. പിന്നെ ഇക്വറ്റി ക്ക് പുറമെ debt, gold, etc. ഒക്കെ നിക്ഷേപിക്കണം.

  • @renjithrajan-sy4hf
    @renjithrajan-sy4hf3 ай бұрын

    Then what about Dividend yield growth plan?? The name has both Dividend and growth. Please reply

  • @dualtone8699
    @dualtone869925 күн бұрын

    HDFC defence idcw reinvestment plan Pls explain

  • @littygeo5431
    @littygeo54317 ай бұрын

    Thank you.. Reverse mortgage loan നെ പറ്റി ഒരു video ചെയ്യുമോ? Pls...

  • @njanarun

    @njanarun

    7 ай бұрын

    ചെയ്യാം. ഞാൻ അതിനുള്ള data collection ചെയ്തുകൊണ്ട് ഇരിക്കുകയാണ്.

  • @nizamniz5660
    @nizamniz56604 ай бұрын

    ❤️‍🔥

  • @njanarun

    @njanarun

    4 ай бұрын

    🥰

  • @AbduVarkala
    @AbduVarkala7 ай бұрын

    ❤😊

  • @njanarun

    @njanarun

    7 ай бұрын

    😊

  • @arungdharan3949
    @arungdharan39497 ай бұрын

    Hai sir Dividend option choose cheytha aalkku growth optionilekku change akaan pattumo

  • @njanarun

    @njanarun

    7 ай бұрын

    IDCW to Growth plan Switch ചെയ്യാൻ പറ്റും. അങ്ങനെ ചെയ്താൽ Exit load & Capital gain tax അടക്കേണ്ടി വരും.

  • @96561371352

    @96561371352

    5 ай бұрын

    Switch ചെയ്യുന്നത് എങ്ങനെ ആണ്

  • @MinhajMysha
    @MinhajMysha4 ай бұрын

    Supper 😅

  • @njanarun

    @njanarun

    4 ай бұрын

    Thank you 🤗

  • @anugeorge4806
    @anugeorge48067 ай бұрын

    Thanx for the video Mr.Arun...i have a mutual fund with IDCW in Axis I don't know what is IDCW..I receive 1000 rupees dividend last year... actually I invest this fund for long term...I have totally 6MF now I accidentally done in Axis IDCW MF because of my lack of knowledge...can I change to growth same Axis MF..is it possible..I invest through groww app... Last 15 months I am investing sip this fund.. what is your suggestions..

  • @njanarun

    @njanarun

    7 ай бұрын

    IDCW to Growth plan Switch ചെയ്യാൻ പറ്റും. അങ്ങനെ ചെയ്താൽ Exit load & Capital gain tax അടക്കേണ്ടി വരും. അതുകൊണ്ട് ഈ SIP തുടരുക. എന്നിട്ട് ഡിവിഡൻ്റ് കിട്ടുമ്പോൾ ആ പണം ഇതേ സ്കീമിൽ lumpsum ആയി നിക്ഷേപിക്കുക. ലാഭം ആണല്ലോ വീണ്ടും നിക്ഷേപിക്കുന്നത്. അതുകൊണ്ട് പവർ ഓഫ് compounding nte ഒരു ഇഫക്ട് കിട്ടും. ഇത് എൻ്റെ അഭിപ്രായം ആണ്. ഫിനാൻഷ്യൽ advise ആയി എടുക്കരുത്. ഒരു certified mutual fund advisor ആയി സംസാരിച്ച ശേഷം തീരുമാനം എടുക്കുക.

  • @anugeorge4806

    @anugeorge4806

    7 ай бұрын

    @@njanarun okay got it.. Thanks 👍

  • @ashokankumaran8316
    @ashokankumaran83167 ай бұрын

    ✌️

  • @njanarun

    @njanarun

    7 ай бұрын

    😊

  • @salamvppullur
    @salamvppullur7 ай бұрын

    സാർ ഞാൻ അഞ്ചുവർഷമായി റെഗുലർ ഗ്രോത്ത് ഓപ്ഷനിൽ എസ്ഐപി ചെയ്യുന്ന വ്യക്തിയാണ് എനിക്ക് ഇതുവരെ നിങ്ങൾ പറഞ്ഞ പ്രകാരം യൂണിറ്റ് പർച്ചേസ് ചെയ്തതായി കാണുന്നില്ല പക്ഷേ എന്നെ വി ഉയർച്ച ഉണ്ടായിട്ടുണ്ട് ഒന്ന് വിശദീകരിക്കാമോ

  • @pt2343

    @pt2343

    7 ай бұрын

    Arun pls answer this question 🙏

  • @njanarun

    @njanarun

    7 ай бұрын

    ലാഭം കിട്ടുന്ന തുക Reinvest ആകുന്നു എന്നത് എളുപ്പത്തിൽ മനസിലാക്കാൻ വേണ്ടിയാണ് അങ്ങനെ പറഞ്ഞത്. ലാഭം ഉണ്ടാകുമ്പോൾ താങ്കൾ പറഞ്ഞത് പോലെ NAV ആണ് കൂടുക. NAV കൂടുന്നത് വീഡിയോയിൽ ഉള്ള sample calculation ഇൽ പറയുന്നുണ്ട്.

  • @Kydyhsh
    @Kydyhsh7 ай бұрын

    Bro 3 small cap fundil 500 vech sip cheyyunnath ano atho 1500 vech ethelum oru small cap fund il invest cheyyunnath ano nallath? Small cap il invest cheyyan 1500 rs mattivekkanam ennund..ithil eth eth reethiyil cheyyunnath anu nallath ?diversify cheyyano?

  • @zainkaliyadan
    @zainkaliyadan7 ай бұрын

    ഞാൻ ഒരു പുതിയ Investor ആണ്. SIP ചെയ്യുന്നുണ്ട്. Lumpsum എപ്പോഴാണ് choose ചെയ്യാൻ നല്ലത് NAV കൂടിയ സമയത്ത് Invest ചെയ്യുന്നത് Growthനെ ബാധിക്കില്ലേ.

  • @njanarun

    @njanarun

    7 ай бұрын

    ഇത് ഒന്ന് കണ്ടു നോക്കൂ: kzread.info/dash/bejne/apZ8xLSjZKq8gdY.html

  • @Ajaykumar-dd8qf
    @Ajaykumar-dd8qf7 ай бұрын

    ...

  • @manujohn99
    @manujohn997 ай бұрын

    IDCW is a nonsensical abbreviation 🤷

  • @Sher-jq2sd
    @Sher-jq2sd7 ай бұрын

    Useful information.. thanks

  • @njanarun

    @njanarun

    7 ай бұрын

    😊😊

  • @Sher-jq2sd
    @Sher-jq2sd7 ай бұрын

    Useful information.. thanks

  • @njanarun

    @njanarun

    7 ай бұрын

    Welcome

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