3. Tax Planning
â˘âŻ Tax planning is an integral element of personal ďŹnance
â˘âŻ Key Sections
â⯠80C â Invest up to Rs. 1 Lac for deductions
â⯠80D â Deduction up to Rs. 15,000 for self & family, and additional Rs.
20,000 for parents (senior citizens)
â⯠80CCD â Deduction of up to 10% of gross income invested under
New Pension Scheme
â⯠80CCD (2) â Further deduction of up to 10% of gross income,
against contribution made by employer under New Pension Scheme
For private circulation only
Š Taurus Capital Advisors
4. Tax Saving Options
Investing in PPF or NSC to claim tax-break could yield moderate returns, whereas Mutual
Funds could mean adding slight risk, but can make your money earn higher returns
â˘âŻ No tax on maturity
â˘âŻ Tenure to be 15 years
Provident Fund
â˘âŻ Limit increased from 70,000 to 1 Lac, but interest has
Return â 8-9%
been market linked
â˘âŻ Term â 6 Years
NSC
â˘âŻ Taxable on maturity
Returns â 8%
â˘âŻ Term Insurance â best to cover life
ULIP Returns â
Insurance
â˘âŻ Health Insurance â Limit up to 15,000
Market linked
â˘âŻ ULIPs â Lockin revised to 5 years
â˘âŻ Investment into equity related tax saving funds
Returns â Market
ELSS
â˘âŻ Lock-in period of 3 years
linked ~ 6-20%
â˘âŻ Term â 5 Years
Tax Saving FDs
â˘âŻ Interest Taxable
Returns â 8-9%
For private circulation only
Š Taurus Capital Advisors
5. Our suggested approach
â˘âŻ Evaluate your existing contribution to Provident Fund (most important for
salaried people contributing towards EPF)
â˘âŻ Evaluate your Home Loan EMI (Principal & Interest payments)
â˘âŻ Term Insurance â should be your ďŹrst priority
â˘âŻ Health Insurance â have moderate medical insurance
â˘âŻ ELSS or PPF â allocate balance depending on the age and participation
in equity investments
For private circulation only
Š Taurus Capital Advisors
7. ELSS Performance
3 Year Performance
5 Year Performance
10 Year Performance
For private circulation only
Š Taurus Capital Advisors
8. ELSS Performance
Annualised returns
32.59%
28.09%
24.20%
19.54%
13.95%
12.69%
8.13%
8.68%
7.65%
2.80%
1 Year
3 Year
5 Year
7 Year
10 Year
Category
Top Performer
For private circulation only
Š Taurus Capital Advisors
9. Equity Outlook
â˘âŻ Indian equity markets have given 24% return in 2012
â˘âŻ Key positive factors for year ahead
â⯠Continued strength in domestic consumption demand
â⯠Direct transfer of subsidies
â⯠Revival of investment spending cycle led by public sector enterprises
â⯠Corporate earnings growth in coming quarters
Equity outlook is positive for a 3 to 5 years of investment horizon,
and can give best returns for wealth creation
For private circulation only
Š Taurus Capital Advisors
11. Taurus Capital Advisors
â˘âŻ Taurus Capital Advisors is a ďŹnancial services ďŹrm providing Independent
Investment Banking and Wealth Management advice
â˘âŻ We are an independent and client centric private wealth management ďŹrm
â˘âŻ Our Wealth Management business serves the investment interests and wealth
management needs of families and high-net-worth individual investors
â˘âŻ We offer breed of investment solutions from product providers in equity, ďŹxed
income and alternate investment classes
â˘âŻ Our philosophy is that each client requires a ďŹnancial portfolio to match their
varied risk appetite and it takes an expert understanding of the ďŹnancial markets
to design a portfolio that achieves the clientsâ desired goals.
12. Investing is all about discipline
â˘âŻ We follow a detailed and disciplined process to create and ďŹne-tune your
portfolio. SpeciďŹc steps we can take include:
â⯠Review your existing holdings and evaluate special circumstances, such as
concentrated stock positions, mismatched asset allocation etc.
â⯠Establish target asset allocation ranges for your portfolio, which allow for market
ďŹuctuations before rebalancing occurs, in order to maximize efďŹciency
â⯠Carefully select investments from investment offerings in a full array of asset classes
â⯠Implement your investment plan, managing transitions and analyzing tax implications
effectively
13. THANK YOU
For further details & investing
Please contact
Taurus Capital Advisors
+91-98290-07926
investments@tauruscap.in