I had a joint demat account with my wife. I have opened individual demat account and transferred shares purchased by me over the years from the joint account to my individual demat account in April 2022. I sold a couple of shares in April and made profit.

Will Capital Gain Tax be applicable w.e.f. date of purchase or from date of share transfer?

I am retired now and income from pension and investments will be around Rs 2.5 lakh for financial year.

Ans: Hello;

Your monthly sip value adds upto 1.3 L however you have claimed it to be 1.18 L. (Maybe a typo).

Existing corpus(19.35 L) and monthly sip (1.3 L) won't reach 5 Cr in 10 years.

You have two options to make it happen:

1. Increase monthly sip amount to 1.9 L.

2. Top-up current monthly SIP of 1.3 L by minimum 10% each year for 10 years.

Both ways will lead you to a corpus of 5 Cr over 10 years.

You may consider money market mutual funds for parking your funds for a 1 year horizon. Returns may be comparable to FD returns but with flexibility to withdraw anytime. They typically have low to moderate risk.

Happy Investing;
X: @mars_invest

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Ans: Hello;

You may withdraw your EPF corpus claiming two consecutive months of unemployment after quitting the previous job(Aug-24).

Further if you have had 5 years, or more, of continuous service, across employer's but without any break, then your withdrawal will be tax free.

Else you may have a 10% TDS on withdrawal plus interest on contributions is also taxable as per slab rate.

Best wishes;

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Ans: Hello;

Surely you can do it.

Best wishes;

Ans: Hello;

You may invest in any of the top flexicap funds for long term;

1. JM flexi cap fund
2. PPFAS flexicap fund
3. HDFC flexicap fund

Not recommending Quant flexicap fund as of now, also in top quartile, since there is an ongoing sebi probe into alleged front running case.

These are top quartile flexicap funds on 10 yr return basis.

Happy Investing;
X: @mars_invest

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