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7/28/2019 taxplanning-2013-130226063147-phpapp02

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TAX PLANNINGTaurus Capital AdvisorsJanuary, 2013


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Tax Planning Tax planning is an integral element of personal finance Key Sections

80C Invest up to Rs. 1 Lac for deductions 80D Deduction up to Rs. 15,000 for self & family, and additional Rs.

20,000 for parents (senior citizens) 80CCD Deduction of up to 10% of gross income invested under

New Pension Scheme 80CCD (2) Further deduction of up to 10% of gross income,

against contribution made by employer under New Pension Scheme

Taurus Capital AdvisorsFor private circulation only


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Tax Saving Options

Provident Fund

NSC

Insurance

ELSSTax Saving FDs

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

Return 8-9%

Returns 8%

ULIP Returns Market linked

Returns Marketlinked ~ 6-20%

Returns 8-9%

No tax on maturity Tenure to be 15 years Limit increased from 70,000 to 1 Lac, but interest has

been market linked Term 6 Years Taxable on maturity

Term Insurance best to cover life Health Insurance Limit up to 15,000 ULIPs Lockin revised to 5 years

Investment into equity related tax saving funds

Lock-in period of 3 years

Term 5 Years Interest Taxable



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Our suggested approach Evaluate your existing contribution to Provident Fund (most important for

salaried people contributing towards EPF) Evaluate your Home Loan EMI (Principal & Interest payments) Term Insurance should be your first priority Health Insurance have moderate medical insurance ELSS or PPF allocate balance depending on the age and participation

in equity investments



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Invest in ELSS!! Taurus Capital AdvisorsFor private circulation only


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ELSS Performance3 Year Performance 5 Year Performance

10 Year Performance



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ELSS Performance

19.54%

8.13%2.80%

8.68%

24.20%28.09%

13.95%

7.65%12.69%

32.59%

1 Year 3 Year 5 Year 7 Year 10 YearCategory Top Performer

Annualised returns



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Equity Outlook Indian equity markets have given 24% return in 2012 Key positive factors for year ahead

Continued strength in domestic consumption demand Direct transfer of subsidies Revival of investment spending cycle led by public sector enterprises 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 Taurus Capital AdvisorsFor private circulation only


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Taurus Capital AdvisorsOur Profile


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Taurus Capital Advisors Taurus Capital Advisors is a financial services firm providing IndependentInvestment Banking and Wealth Management advice We are an independent and client centric private wealth management firm Our Wealth Management business serves the investment interests and wealth

management needs of families and high-net-worth individual investors

We offer breed of investment solutions from product providers in equity, fixedincome and alternate investment classes Our philosophy is that each client requires a financial portfolio to match theirvaried risk appetite and it takes an expert understanding of the financial markets

to design a portfolio that achieves the clients desired goals.


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Investing is all about discipline We follow a detailed and disciplined process to create and fine-tune your

portfolio. Specific steps we can take include: Review your existing holdings and evaluate special circumstances, such as

concentrated stock positions, mismatched asset allocation etc. Establish target asset allocation ranges for your portfolio, which allow for market

fluctuations before rebalancing occurs, in order to maximize efficiency Carefully select investments from investment offerings in a full array of asset classes Implement your investment plan, managing transitions and analyzing tax implications

effectively


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THANK YOUFor further details & investingPlease contact

Taurus Capital [email protected]

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