forex trding me tax kaise pay kari

Ans: Transaction in which a contract for the purchase or sale of any commodity, including stocks and shares, is periodically or ultimately settled otherwise than by the actual delivery or transfer of the commodity or scrips but carried out through recognised stock exchange u/s 43(5) of income tax act; are taxed as non speculative business income and taxed as per slab rate in the hands of Individual.

Ans: It's distressing to hear about your predicament with Zoykas. Dealing with such situations can be overwhelming, but it's crucial to approach them with caution and clarity.

Firstly, verify the legitimacy of Zoykas and their policies. Ensure they are compliant with relevant regulations and laws governing international trading.

Next, consider seeking assistance from legal experts familiar with international financial matters. They can provide insights into your rights and options for recourse.

Furthermore, reach out to your institutional international demat account provider for guidance and support. They may have experience in handling similar cases and can offer valuable advice on navigating the situation.

Remember to document all communications and transactions with Zoykas for future reference. Transparency and thoroughness will be key in resolving this matter effectively.

Above all, remain vigilant and cautious when dealing with international trading platforms, and prioritize safeguarding your investments and financial well-being.

Ans: Investment Analysis
Fund Type

HDFC Balance Advantage Fund is a hybrid fund.
It invests in both equity and debt.
Its risk is lower than pure equity funds.

Possible Returns

Predicting 10-year returns is tricky.
Such funds might give 10-12% yearly returns.
This depends on market conditions.

Tax Considerations

Long-term capital gains are taxed at 12.5%.
This applies only to gains above Rs. 1.25 lakh.
Gains up to Rs. 1.25 lakh per year are tax-free.

Risk Assessment

Hybrid funds have moderate risk.
They're less risky than pure equity funds.
But they may give lower returns than equity funds.

Investment Horizon

Your 10-year plan is good for this fund.
Long-term investing helps manage market ups and downs.
It gives your money time to grow.

Regular vs Direct Plan

Check if you've invested in regular or direct plan.
Regular plans give expert guidance but cost more.
Direct plans are cheaper but need more self-management.

Monitoring Your Investment

Check your fund's performance every 6 months.
Compare it with similar funds.
Consider changes if it underperforms for long periods.

Rebalancing

As you get closer to your goal, reduce risk.
Think about moving some money to safer options.
This protects your gains as you near your goal.

Finally

Your investment choice is good for moderate growth.
Keep an eye on its performance and make changes if needed.
Consider talking to a Certified Financial Planner for personalized advice.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in