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Why just to save only tax while you can
have dual advantage - save tax and earn
better return?
Vidya Ashok
(Founder and Investment Consultant)
Tax Time!
• Season of tax saving investment has started. The deadline to
submit the proof of tax saving investments to HR
department is approaching for salaried persons.
• If you are salaried then your EPF and your life insurance
premiums are already qualified as an eligible investment
option to get the benefit under 80 ©. Rest of the money you
may invest either into the 5 years bank FD, PPF, NSC or
ELSS. Except ELSS, all other tax saving instruments will
generate the fix return which might not even be sufficient to
give you the cover against inflation.
Tax Saving Options!
• While on the other hand, ELSS (Equity Linked Savings
Schemes) has a very good track record in terms of giving the
better inflation adjusted return than PPF in longer run.
• ELSS can be a very good alternative compared to PPF,
because minimum investment cycle of PPF is 15 years i.e.
very long term whereas the least lock-in period of ELSS is 3
years from the date of investment. If you hold ELSS fund for
longer duration it can give you a good corpus.
ELSS vs PPF
Investment
Options
Average Returns Maximum Returns
ELSS Fund 9 lakhs 11 lakhs
PPF 6 Lakhs (Fixed Amount)
On an investment of 5 lakhs for duration of 5 years, maximum amount that you can
achieve in ELSS is 11 lakhs, average return is 9 lakhs.
While in PPF on an investment of 5 lakhs for 5 years you would get a maximum fixed
amount of 6 lakhs.
In case of ELSS, return is market driven. The average return for last 12 years of all
ELSS schemes is 20 to 24%. Following is the comparison of the return of 100000/-
invested every year into ELSS vs. PPF. Analysis gives you an idea about maximum and
average returns generated by ELSS schemes.
Discussions & Appointment Welcome!
So why just to save only tax, you can have a dual
advantage i.e. save tax & also earn better returns.
Invest through our well researched investment
options and have peace of mind.
For discussions & appointment you can connect us at
admin@kairosic.com or call on 9769670884 /
9594052799 or send a message.

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ELSS

  • 1. Why just to save only tax while you can have dual advantage - save tax and earn better return? Vidya Ashok (Founder and Investment Consultant)
  • 2. Tax Time! • Season of tax saving investment has started. The deadline to submit the proof of tax saving investments to HR department is approaching for salaried persons. • If you are salaried then your EPF and your life insurance premiums are already qualified as an eligible investment option to get the benefit under 80 ©. Rest of the money you may invest either into the 5 years bank FD, PPF, NSC or ELSS. Except ELSS, all other tax saving instruments will generate the fix return which might not even be sufficient to give you the cover against inflation.
  • 3. Tax Saving Options! • While on the other hand, ELSS (Equity Linked Savings Schemes) has a very good track record in terms of giving the better inflation adjusted return than PPF in longer run. • ELSS can be a very good alternative compared to PPF, because minimum investment cycle of PPF is 15 years i.e. very long term whereas the least lock-in period of ELSS is 3 years from the date of investment. If you hold ELSS fund for longer duration it can give you a good corpus.
  • 4. ELSS vs PPF Investment Options Average Returns Maximum Returns ELSS Fund 9 lakhs 11 lakhs PPF 6 Lakhs (Fixed Amount) On an investment of 5 lakhs for duration of 5 years, maximum amount that you can achieve in ELSS is 11 lakhs, average return is 9 lakhs. While in PPF on an investment of 5 lakhs for 5 years you would get a maximum fixed amount of 6 lakhs. In case of ELSS, return is market driven. The average return for last 12 years of all ELSS schemes is 20 to 24%. Following is the comparison of the return of 100000/- invested every year into ELSS vs. PPF. Analysis gives you an idea about maximum and average returns generated by ELSS schemes.
  • 5. Discussions & Appointment Welcome! So why just to save only tax, you can have a dual advantage i.e. save tax & also earn better returns. Invest through our well researched investment options and have peace of mind. For discussions & appointment you can connect us at admin@kairosic.com or call on 9769670884 / 9594052799 or send a message.