SWP vs Dividend Taxation 2025 | How to Save Tax on Monthly Income

Описание: Is your Dividend income pushing you into a higher tax slab? 🛑 Many investors love dividends, but they often ignore the heavy tax burden that comes with them (up to 30%!). In this video, I compare SWP (Systematic Withdrawal Plan) vs. Dividend Investing to show you how to generate the same monthly income while paying significantly less tax.

I have broken down the math using real tables for a ₹1 Crore and ₹2 Crore portfolio. You will see exactly how the new LTCG/STCG rules compare against traditional Income Tax Slabs.

In this deep dive, you will learn: ✅ The "Tax Trap" of Dividend Investing (Slab Rates vs. Flat Rates). ✅ How SWP taxation actually works (Principal is Tax-Free!). ✅ A detailed calculation: Effective Tax Rate on Dividends vs. SWP. ✅ Why SWP is the smarter choice for high-net-worth investors.

The Reality Check: Did you know that on a high income, your effective tax on dividends could be nearly 16-30%, while SWP allows you to withdraw a large portion of your own money tax-free? Watch the full breakdown to see the numbers!

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Timestamps:
00:00 Intro
1:35 Dividend and SWP Taxation Difference
2:18 SWP Taxation
2:41 Long-term and Short-term Capital Gain tax
6:33 SWP or Dividend?
6:53 Dividend Taxation

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