Kamlesh Gupta’s Post

Have you heard of 𝐄𝐋𝐒𝐒 𝐨𝐩𝐭𝐢𝐨𝐧𝐬? You must have if you are an employee! They're not your typical investments. ELSS(𝐄𝐪𝐮𝐢𝐭𝐲-𝐋𝐢𝐧𝐤𝐞𝐝 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐒𝐜𝐡𝐞𝐦𝐞) funds are a unique way to help your money grow and also get tax-saving benefits under 𝐒𝐞𝐜𝐭𝐢𝐨𝐧 80𝐂 of the Income Tax Act. It's like a two-in-one financial advantage!" 💰📈 Let's get straight to the numbers because that's where the magic happens! 👉 ELSS funds primarily invest in 𝐄𝐪𝐮𝐢𝐭𝐢𝐞𝐬, making them a potential tool for wealth creation. 👉 Over the years, ELSS funds have delivered annual returns averaging around 𝟭𝟮-𝟭𝟱%, significantly outperforming traditional tax-saving options like 𝐅𝐢𝐱𝐞𝐝 𝐃𝐞𝐩𝐨𝐬𝐢𝐭𝐬 or 𝐏𝐮𝐛𝐥𝐢𝐜 𝐏𝐫𝐨𝐯𝐢𝐝𝐞𝐧𝐭 𝐅𝐮𝐧𝐝 (𝐏𝐏𝐅). 📈💹 Meet Sanyam, a smart investor who decided to allocate 1.5 lakh INR annually into an ELSS fund as part of his tax-saving strategy. Over five years, he invested a total of 7.5 lakhs INR. 💼 Here's the exciting part: Sanyam's ELSS fund generated an average annual return of 12%. When he completed the three-year lock-in period for each investment, he could redeem them. The icing on the cake? All the gains were tax-free! 🍰💸 After five years, Sanyam's investment of 7.5 lakhs INR grew to an amazing 11.18 lakhs INR, thanks to the power of compounding and the impressive performance of ELSS funds. He not only saved on taxes but also saw his wealth multiply significantly. 💪🚀 But here's the beauty of ELSS—unlike other tax-saving options with longer lock-in periods, ELSS funds have a mere 𝐭𝐡𝐫𝐞𝐞-𝐲𝐞𝐚𝐫 𝐥𝐨𝐜𝐤-𝐢𝐧. This means your money is accessible relatively quickly, providing the flexibility to meet short to medium-term financial goals. 🗝️💼 ➡ One of the top performing ELSS fund's example is 𝐐𝐮𝐚𝐧𝐭 𝐓𝐚𝐱 𝐏𝐥𝐚𝐧 𝐃𝐢𝐫𝐞𝐜𝐭 𝐆𝐫𝐨𝐰𝐭𝐡 , If you would have started an Monthly SIP of 15000 per month in this Fund 5 years back, it would have turned into massive 19 Lakhs from the investment of 9 Lakhs. That is 𝟭𝟭𝟯% 𝐫𝐞𝐭𝐮𝐫𝐧𝐬 in last 5 years. In summary, ELSS funds offer a compelling combination of tax benefits and impressive returns. It's not just about saving taxes; it's about creating wealth efficiently. So, if you're looking to make your money work harder for you while staying tax-savvy, 𝐄𝐋𝐒𝐒 𝐟𝐮𝐧𝐝𝐬 𝐚𝐫𝐞 𝐚 𝐬𝐦𝐚𝐫𝐭 𝐜𝐡𝐨𝐢𝐜𝐞. 🌟💼 Note: This article only provides factual insights to help you make informed decisions and is only for educational purpose. 💡📊 Share this post with your fellow investors, and let us know in the comments if you have your money invested in ELSS funds. 💪📈 #ELSSFunds #InvestWisely #TaxSavings #WealthCreation

Ever had that dream of owning real estate? We all have! But with land prices on the rise, it's not easy to jump in. But guess what? If you've got some cash saved up, you can still get a piece of the action through fractional investments! Let's break it down and explore this cool option. 💰🏗️ Here's where 𝐅𝐫𝐚𝐜𝐭𝐢𝐨𝐧𝐚𝐥 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 steps in – it's like owning a slice of the pie without breaking the bank! So, What's 𝐅𝐫𝐚𝐜𝐭𝐢𝐨𝐧𝐚𝐥 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭? Imagine this: you and others team up and put your money together. Then, you invest in something big, like a building or a fancy property. Got some money stashed away? Well, you're all set to start this investing adventure! 👉 𝐘𝐨𝐮'𝐫𝐞 𝐢𝐧 𝐂𝐨𝐧𝐭𝐫𝐨𝐥: With fractional investment, you're like the captain. You pick which type of the property you want to own – just like choosing your favorite flavor of ice cream. Plus, you decide how much money to put in – a little or a lot. 💼 𝐏𝐨𝐰𝐞𝐫 𝐌𝐨𝐯𝐞𝐬 𝐰𝐢𝐭𝐡 𝐇𝐢𝐠𝐡-𝐄𝐧𝐝 𝐂𝐑𝐄𝐬 : If you've got more than 10 lacs set aside for real estate, you're in for a treat. Imagine diving into high-end commercial real estate properties (CREs) that promise impressive monthly rentals. It's a game-changer, especially when compared to the limitations of REITs(Real estate investment trusts). 🏢🌟 👉 𝐍𝐨𝐭 𝐘𝐨𝐮𝐫 𝐀𝐯𝐞𝐫𝐚𝐠𝐞 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 : Fractional investment is cooler than just putting your money in a bank. You can invest in all sorts of things, just like in building Hotels, Clubs, Restaurants. And guess what? You're not just an investor; you're a smart player! 🌆 𝐓𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐫𝐚𝐜𝐭𝐢𝐨𝐧𝐚𝐥 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭: Sure, the road isn't all paved with roses. Returns might be volatile, and liquidity might not be as swift as with REITs. Yet, as we witness the growth of the fractional investment market, particularly with the reopening of offices, the horizon looks bright. 🏙️📈 📈 𝐖𝐚𝐭𝐜𝐡 𝐢𝐭 𝐆𝐫𝐨𝐰: According to a Naredco-Knight Frank analysis, the size of the Indian real estate market is predicted to increase more than 12-fold to USD 5.8 trillion by 2047 . It's like planting a small seed and watching it grow into a tall tree – your investment could become something big! To sum it up: Dreaming of real estate ➡️ Fractional investment is your way in! Got cash to spare ➡️ You're ready to explore this investing world. Own a piece ➡️ Invest without buying the whole property. Why it's cool? ➡️ You're the boss, earn money, and see it grow. Different from the usual ➡️ Invest in exciting opportunities. Value might grow ➡️ Your investment becomes even more valuable. What do you think? Ready to take the plunge into the world of smart money moves? Share your thoughts below – let's learn and grow together! 🏡🌟💰🎉 NOTE : This post is intended solely for educational purposes. Always consult with financial advisors before making investment decisions. #RealEstate #FinancialLiteracy #FractionalInvestment

You're throwing the bash of the year – your birthday party. You've got two kinds of friends: the "On-Time Heroes," always punctual, and the "Fashionably Late Legends". You could just invite the On-Time Heroes and have a great time. But here's where your party-planning skills come in. You know things can get wild, right? So, you decide to shake it up – a fusion of both types. Party genius, right? 🎉 Now, let's switch gears from parties to investments. 💼 🔹 You've got stocks that are on fire, rising like shooting stars. 🚀 Selling them means cashing in big time. But wait – selling them all at once could lead to a tax disaster. Psych! 😱 🔹 Introducing 𝗧𝗮𝘅 𝗣𝗿𝗼𝗳𝗶𝘁 𝗛𝗮𝗿𝘃𝗲𝘀𝘁𝗶𝗻𝗴 – your investment superpower. 💪 Sell those high-flyers smartly, saving on taxes. Imagine it as throwing mini tax-smart parties for your investments over time. 🎈💰 🔹 Like planning different parties on separate days, selling at the right time matters. Mix this year and next for tax smarts. More cash, fewer taxes. Party planning for your finances. Same for investments and tax trimming. 💵✂️🗓️ 🔹 Think of your not-so-hot investments as those Fashionably Late Friends. Sometimes, stocks might not perform as well as you'd hoped. That's where 𝗧𝗮𝘅 𝗟𝗼𝘀𝘀 𝗛𝗮𝗿𝘃𝗲𝘀𝘁𝗶𝗻𝗴 comes in. It's like a strategic move to balance the books. Sell these underperforming stocks, and you can use those losses to offset gains from your superstar stocks. That could mean a smaller tax bill. It's like turning a not-so-great party moment into a way to save money on taxes. 📊💡 🔹 Let's crunch numbers: You are having ₹50,000 profit? Without tax planning, ₹5,000 in taxes. You can sell the stocks which are in negative on the last day of financial year with a ₹30,000 loss,and buy them the very next day the price will be similar for them so with tax harvesting it's just ₹2,000. That's ₹𝟯,𝟬𝟬𝟬 𝘀𝗮𝘃𝗲𝗱 – smart move! 💸 You might think that you have a rockstar CA who takes care of this for you. But the truth is, most CAs may not care enough about their salaried clients whose yearly income tends to be a rounding error in their larger client's books. They will just do the bare minimum to keep you happy. To truly optimize your taxes, you need to play a more proactive role with your CA. 💼📊 Got the party analogy? Dive into more info for the full scoop! 🎉📈💰 Remember, while this is all about insights, it's not financial advice. Do your proper research before taking any action. Connect with us for more of these insights that keep the financial party going! 🎉🔍 --- #TaxOptimization #TaxHarvesting #TaxLossHarvesting