Home Personal Finance Should I invest a lump sum in debt mutual funds before 1st April 2023?

Should I invest a lump sum in debt mutual funds before 1st April 2023?

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The government amended the 2023 Finance Bill to eliminate the 20% LTCG tax and indexed mutual funds to hold 35% of lower Indian equities. Profits from such funds are taxed per Slab, regardless of the age of the unit. This rule applies to purchases made after April 1, 2023.

So many investors are wondering if they can invest lump sums in debt funds or conservative hybrid funds by March 31, 2023 and benefit from the old tax regime at the 20% rate through indexing. I want to know how

Short answer to “Do I need to make a lump sum investment in a debt mutual fund by April 1, 2023?” A clear and vehement NO. That’s ridiculous.

If you suddenly come up with a lump sum to benefit from a change in tax law, it usually means that you are not yet managing your money according to your overall financial plan. Possible surpluses are not tagged to short-term or long-term goals.

Therefore, rather than worrying about a small profit, we strongly recommend that you work with a SEBI-registered commission-only advisor to organize your affairs. We reiterate that investment decisions should not be made solely to save taxes. This will only undermine the health of your portfolio.

But what about international funds? Can’t we benefit from a lump sum investment now? The small tax difference is negligible compared to the overall portfolio. All of these mental gymnastics are for psychological gain rather than numerical gain.

Let’s wait for AMFI to present its claims to the Ministry of Finance and SEBI. Some funds may change their mandates. Then make a call about your next move. That said, you’d better settle the extra tax yourself and get used to it.

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