What are most critical things to look before investing in ELSS MUTUAL FUNDS ? How a first time investor can learn to start investing in ELSS FUNDS Process of investing in ELSS ELSS, Saving Taxes, 80C, Income tax act, Deduction from tax, Best tax saving schemes,

1. #4
Critical Things to check before
Investing in ELSS

2. 1
Understand your profile
 Check your Risk Attitude and Risk Capacity
 Know what is your objective in terms of
Growth?
Conservative
Moderate
Moderately aggressive
Aggressive
Risk Profile Investment Objective
Protect investment from loss
Capital growth along with capital appreciation
Capital growth with calculated risk
High risk for super natural returns

3. 2
Calculate your Goals
Steps to calculate amount
 Step 1-List down all the financial goals of life with expected dates
 Step 2-Put the amount of money required to meet those goals.
 Step 3-Defining how much money should one invest today to achieve those goals.

4. Check Right Portfolio , as per your Risk profile
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5. 3
Select the fund
Select ELSS fund with :
 Low Expense Ratio: It is percentage of basic overall business expenses of mutual fund.
Scheme with high expense ratio will eat into your returns
 Consistent Historical Performance: Historical performance aids in anticipating the future
performance of the fund and hence is looked in during the selection process.
 Decent Size of Mutual Fund Corpus: One way to judge a mutual fund is to know its corpus
and compared with the competition
.

6. 4
Tax on Profits
LONG TERM CAPITAL GAIN TAX
Individual/HUF NRI
Equity Mutual Funds (Listed)(All Units
Held for more than 12 months)
Nil Nil
Equity Mutual funds (unlisted, exit by
way of redemption of units)(All Units
Held for more than 12 months)
Nil Nil
SHORT TERM CAPITAL GAIN TAX
Equity Mutual funds(All Units Held for
less than 12 months)
15% + 12% surcharge + 3% cess =
17.3040%
15% + 12% surcharge+ 3% cess =
17.3040%

7. Advisory Fees Rs. 365 Per Annum
Customized , unbiased Wealth Management
@Rs. 1 per day
Customized advise only for you
Unlimited Long Term Investment Advise
Tax efficient portfolio design
No Minimum investment
Regular Review and Rebalancing
Substantial Savings in Commission
(Optional)
We Offer
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8. Wealth Creation
Advice
Monthly Savings
Advice
Tax Saving
Investments
Portfolio Restructuring
Advice
Goal Planning Online
Transaction
In case you want to invest
Lump Sum
In case you want to invest On
Monthly basis
In case you want to Make Tax
Saving Investments
In case you want to Buy and
Sell any product
In case you want to Plan your
Financial Goals
If you want to Restructure
your portfolio
What You get@ Rs 1

9. Risk Profiling
Knowing-
Risk Capacity- How much
Risk you can afford to take
Risk Attitude- How much
Risk you want to take
Financial Goals
Knowing-
All Financial Goals of the life
The Inflation adjusted
amount required to meet
them
Right Portfolio
Investment Products right
as per risk profile
Portfolio which is tax
efficient
Buy/ Sell
With least Brokerage &
Commission
With Nil hidden costs
Regular
Monitoring
Of Portfolio and Markets
Rebalance Investments
when required
1 2 3 4 5
Right Process
Know Best 5 shares
for your Risk
Profile
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