best tax savings investment

How to create Wealth while Saving Tax

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Those who are wise ...

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.. Do not invest in Insurance Plans inspite of the aggressive sales pitch of their Bank RMs / Insurance Agents....

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..and end up investing largely in Public Provident Fund for saving tax u/s 80C

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While PPF offers some attractive benefits like:• Tax Rebate on Principal Amount Invested (Upto eligible limit under section 80C)

• Fixed Interest Rate, Tax-Free (Rate revised every year)

• Tax Free Withdrawals (6th Year onwards with some conditions)

PPF is essentially a 15-year investment product as the full amount cannot be withdrawn till completion of 15-years of opening the PPF a/c

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But...PPF does not have the huge wealth creation potential like Equity Linked Savings Scheme (ELSS)

Judge for Yourself...

OR

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1994 - 2009

1995 - 2010

1996 - 2011

1997 - 2012

1998 - 2013

1999 - 2014

2000 - 2015

Consider Any 15-Year block of time..

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If Rs. 1 Lakh was invested each year on..

Or 1st working day of April

Rs. 1 Lakh

Rs. 1 Lakh

Rs. 15 Lakhs would have been invested in both instruments over 15 year period

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2000 - 2015

Compare the accumulated corpus..

30.14 L

116.7 Lakhs

ELSS generated Rs. 86,56,000 more than PPF over years 2000 - 2015

sandeep@deepamfinvest.com | www.deepamfinvest.com

1999 - 2014

Compare the accumulated corpus..

30.26 L

109 Lakhs

ELSS generated Rs. 78,74,000 more than PPF over 1999 - 2014

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1998 - 2013

Compare the accumulated corpus..

30.48 L

130 Lakhs

ELSS generated Rs. 99,52,000 more than PPF over 1999 - 2013

sandeep@deepamfinvest.com | www.deepamfinvest.com

Similarly, ELSS has out perfromed PPF Returns over all 15-year periods ever since ELSS came into being in 1993-94

You should actively consider ELSS for Tax Savings u/s 80C if:

1. You have more than 10 years of work life ahead

2. You are looking for Wealth Creation in addition to Tax Savings

3. You can tolerate some volatility in the short - term

ELSS has the lowest lock-in period amongst all tax saving options

Besides..

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sandeep@deepamfinvest.com | www.deepamfinvest.com