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Tax Saving Mutual Tax Saving Mutual Funds | ELSS Funds | ELSS
SchemesSchemesVentura Securities Ltd.
What is ELSS ? Mutual Fund scheme that invests in equity
instruments.
Eligible for deduction under section 80C of Income Tax Act.
Investment deductions up to Rs.1.50 Lacs (limit increased from Rs.1 lac to Rs.1.50 lacs) is eligible.
Tax Benefit (Under I.T. Sec 80C)
Equity Benefit. Potential for higher Returns
Tax – Free Dividends No Long Term Capital Gains tax
Lowest Lock-in Period (3Yrs)
Investments Amount: Min: Rs.1000 Max: Unutilized component of 80C
Why invest in ELSS ?
Comparison Between PPF, NSC and ELSS
Instrument Expected Returns Lock-In Period
National Savings Certificate - NSC 8.5% 5 years
Public Provident Fund - PPF 8.50% Up to 15 years
Mutual Fund ELSS Around 15%-20%* 3 years
*Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing
In ELSSRs. 22.32 Lacs @ XIRR of 22.99%
In PPFRs. 3.49 Lacs @ XIRR of 8.50%
Rs. 1,00,000/- Invested 15 years back is worth today..
Data as on 22nd July 2015
Tax Exemption limit u/s 80C has increased from Rs. 1 Lac to Rs. 1.5 Lacs
PPF v/s ELSS
How money would have grown annuallyPPF
Year Interest (p.a.) Value (@ end of the year)
Jan-06 8,700 108,700Jan-07 9,457 118,157Jan-08 10,280 128,437Jan-09 11,174 139,611Jan-10 12,146 151,757Jan-11 13,203 164,959Jan-12 14,351 179,311Jan-13 15,600 194,911Jan-14 16,957 211,868Jan-15 18,433 230,301
ELSS
Year Gain / loss (Yearly)
Value (@ end of the year)
Jan-06 35,629 135,629Jan-07 87,965 223,594Jan-08 -8,173 215,420Jan-09 81,055 296,475Jan-10 128,024 424,499Jan-11 76,035 500,535Jan-12 125,210 625,744Jan-13 134,822 760,567Jan-14 267,439 1,028,005Jan-15 255,751 1,283,756
CAGR – 8.70% CAGR – 29.08%
Rs. 1 lac in ELSS invested for last 15 Years
Returns as on 31st July 2015 Source: Accord Fintech
Scheme Name Current Value(Rs.) CAGR
HDFC TaxSaver 2,232,900 22.99
ICICI Pru Tax Plan 2,155,399 22.70
Franklin India Taxshield 1,575,183 20.16
SBI Magnum TaxGain'93 1,225,583 18.17
Rs. 1 lac invested in ELSS funds for last 5 years
Returns as on 31st July 2015 Source: Accord Fintech
Scheme Name Current Value(Rs.) CAGR
Axis LT Equity Fund 270,813 22.04
IDFC Tax Advt(ELSS) Fund 213,032 16.32
Birla SL Tax Relief '96 189,411 13.62
Recommended ELSS Schemes:
Returns as on 06th August 2015 Source: Accord Fintech
Scheme Name NAV (Rs.)
6 Mths 1 Yr 3 Yrs 5 Yrs
AUM Exit Load (%)
Exit Period(Rs. in
Crs)
ELSS:
Axis LT Equity Fund 32.21 7.12 35.02 35.32 22.16 5,437
Lock in period- 3 years
Birla SL Tax Relief ‘96 22.82 6.89 36.24 31.15 14.33 1,952
IDFC Tax Advantage Fund 42.05 9.02 32.71 30.02 16.45 358
SIP in ELSS
Investors can end up with many schemes as they invest lump sums every year and pick the best performer.
Consider investing in ELSS through systematic investment plans (SIPs).
Avoid last minute lump sum investing and use the SIP route instead.
Keep in mind - there is a lock-in of 3 years, which means that every SIP installment will get locked for 3 years. For example, if you choose to do a monthly SIP for a year starting January 2015 and the last instalment will be on December 2015, the first instalment’s lock-in will be get over in January 2018 and the last instalment’s in December 2018.
Stay Invested for LONG TERM
!!!
Time is ticking and every second counts….START INVESTING NOW….ITS NEVER TOO LATE !!
Thank you!Email – [email protected]
Call - 67747577