Hello friends and Angel One ke is podcast mein aapka swagat hain.
Aaj Hum Janege ki salaried employees kis tarah 5 strategies ke Upyog se apna tax saving kar sakte hai.
Dosto, saal ka wo samay ek bar phir aa gaya hain, jab aapko kuch saving karna jaruri hai, or use aisi jagha invest karne ki jarurat hai, jaha se aap apna tax saving kar sake. Ab aapke paas jada samay nhi bacha hai, deadline kaafi pass hai aur ab daeri karne ka koi savaal hi nhi hai.
Itne kam samay mein aapko investment ke liye koun sa plan lena chahiye? Kaha kaha investment karna chahiye or kitna investment karna chahiye? Ye savaal aapko zarur din raat pareshan karte hongein, hai ki nahi?
Lekin dosto,ab chinta ki koi baat nhi, aapki chinta dur karne ke liye aur aapke savaalo ka javab dene ke liye hum hai. Aaj hum janege , kis easy strategies ka upyog karke aap sahi investments kar sakte hai.
Par dosto us se pehle , is bare mein baat karte hai; ki aap apna tax kaise save kar sakte hai- Basically, Government aapki income ke ek fix amount ko tax se chuut dene ki permission deti hai, bhale hi aap tax bracket mein aate ho. Agar aapki income two lakh fifty thousand se kam hai, toh aapko tax barna nahi hota hai, lekin agar aap 2.5 lakh rupe se zyaada kama rahe ho, toh aapko tax barna hota hai. Lekin aapko 1.5 lakh ke tax mein chhut milti hai,lekin jab aap is paise ko kisi bhi ‘80c investment’ mein invest karte ho. Ab aap soch rahe hongein ye '80c investment' kya hai ? Chaliye, main batata hu, ye aise investments hai, jinhe income tax ke act 80c ke according tax- savings ke liye consider kiya gaya hai. Ye hi nhi or bhi kai investments hai jise list mein shamil kiya gaya hai, jaise - ELSS Mutual Funds, 5-year fixed deposits, life insurance, PPF … kaafi saare options hai.
Aap apne office accountant ko is investment receipts ki scans ya photocopies de sakte ho ya aap apna income tax file karte samay is investments ko declare kar sakte ho,or aap 1.5 lakh rupe tak ke tax benefit le sakte ho. Yeh investments financial year ke andar hi puri honi chahiye - yani ki ise 31March se phale pura kiya jana chahiye.
Toh chaliye jaisa ki vada kiya gya tha, aaiye hum un 5 tax-saving strategies ke bare mein jane, jo mahnati salaried logo ke liye hai or jo unke income ko tax burden se bachane mein helpful ho sakti hai.
1. Sabse kam investments term chune -
Idea yeh hai ki aapko apane paise ko aise jagh invest karna chahiye jise aap sahi samay par vapas pa sake. Uske bad aap us paiso ka kya karengein, wo aapki marzi. Aap chahe to pure paise se shopping kare, ya phir aisi jagah invest kar de jaha se aapko ache return mil saktein hain,lekin aisi jagah jisme lock-in period sabse chhota ho. Agarr aap PPF mein invest karoge to aapka paisa 15 saal ke liye lock ho jaega or agar fixed deposit mein invest karoge to, 5 saal ke liye lock ho jaega. Ha par Penalty de ke withdraw kar sakte ho,lekin aisa kyu.... karna jab or bhi option aapke samne hai to.
ELSS Mutual Funds aapke liye ek aisa option hain jo aapko 3 saal ke liye lock-in period deta hai.
Yadi aap 15 saal ke liye apna paisa jama karana chhate ho , to thik hai. Par baat yaha ye aati hai ki aap kitni bar us paiso se tax- saving kar paaenge.
For Example, yadi aap PPF mein 1.5 Lakh dalte hai,to aapko us paiso par 15 saal mein ek bar tax-saving milega, lekin agar aap 1.5 lakh Fixed deposit mein dalte hai, to aapko usi paiso par tax - saving 5 saal mein ek bar milega .normally dekha jae to yeh aapke liye behtar option to hai hi.
Lekin agar aap 1.5 lakh rupe ko ELSS Mutual Funds mein dalte hai, to aapko tax - saving karne ke liye 3 saal milege.or agar iski tulna aap PPF se kare to aapko isme ek hi investment term ke liye same amount par 3 bar tax-saving ka option milta hai. Ye to sirf abhi meine aapko ek hi option bataya hai, dosto or bhi option hai.
2.Aise option ke sath jae, jo aapko Return kamane ka option deta hai,or inflation rate ko bhi beat karne ka potential rakhta ho. .
Aapke investment ke term ke alava,aapko growth bhi consider karna hi hota hai. Jis se aapka paisa ek aise rate se bade jo inflation rate ko beat kar sake.yadi nhi hua , to matlab aapke paisa ka worth last year ki tulna mein kam hai, jo ye batata hai , ki aapne last year kam kamaya.
Example ke saath explain karta hu. Kuch saal pehle tak Mumbai jaisi city mein 40 rs per k.g. ki rate se vegetables buy ki ja sakti thi.lekin abhi, wahi vegetables 60 se 80 rs per k.g. ho gae hai. Or usme travelling cost ko multiply kare, chahe aap travelling ke liye public transport use kare, ya phir koi or option use kare, aap meri is baat se agree karoge ki rates badhti ja rahe hai. Ye sab upar ki trajectory hai. Aise mein aapko bhi increment ki jarut hogi, jab aapke bachho ki school fee badh jae, aapke ghar mein kaam karne wale servent apni Salary badane ko bole or aapko travelling ke liye tickets bhi badhi kimato par mile.ye hi inflation hai. Cost of living hamesha increase hota rehta hai. Aapka invested paise ka bhi growth hona chahiye -yadi nhi , iska matlab worth decreased ho gaya.isliye ab aap wo nhi buy kar sakte jo pehle kar sakte the.
Dekha gaya hai, Mutual funds higher return dete hai traditional investments ki tulna mein.lekin is se pehle aap invest ke liye ready ho, next point bhi sun lijiye ek baar..
3. Aap apne own risk ko Consider karte huye decision le -
ELSS stands for equity linked saving scheme. Equity means stock market. Stock market means risk. Isliye Mutual Fund ke ads ke ant mein bola jata hai -
'mutual funds are subject to market risk please read the offered document carefully before investing'. Beshak, chahe aapka paisa koi bhi experienced individual handle karein, lekin risk phir bhi rehta hi hai. Jab aap Mutual Funds mein invest karte hai, to aapka paisa investors or fund manager ke sath jama hota hai. fund manager wah vyakti hota hai, jo Stock market ke investments ke bare mein experienced hota hai or sath hi unke sath experienced team bhi kam karti hai.jo aapke paise ko stock market mein debt or equity ke combination mein invest karte hai.aage samjhata hu...
Debt ko Return ke liye lower potential ke sath relatively safer ke rup mein dekha jata hai, jabki equity ko Return ke liye higher potential ke sath relatively riskier ke rup mein dekha jata hai.
Debt refers to stock market investments, jaise ki bonds, jahan paise kisi dusri party ko loan ki tarah diye jate hai, jise wo diye ge date tak return karte hai. Equity ka matlab un companies ke share ko purchase karne se hai, jaha share price fix karte hai ki investments kaisa perform kar rahe hai.
ELSS mutual funds ko typically low-risk wale investors ke liye banaya gaya hai, halaki safe rahne ke liye aapko apne Financial advisor se baat karni chahiye ensure,ki aap un mutual fund mein invest kare jisme aape profile ke saman hi risk ho.
4. Apne investment ki cost ko kam karne ki koshish karna
Jab aap ELSS Mutual Fund Mein invest karte hai, to iska matlab ye hai,ki aap apna tax bachane ki koshish kar rahe ho.lekin aap Fee ke jariye se Fund House ko jo pay karte ho, us se related aapka capital bleed hota hai.is fee ko ‘expense ratio’ bola jata hai. Investment karne se pehle mutual fund ke expense ratio ko check jarur kare or ye fix kare ki wo worthwhile investment hai. Ek aur suggestion - sach bolu toh...yeh financial year ke liye thoda late hai ...lekin April se please yaad rakh ke yeh practice karna.
Mutual fund ke unit price kam - jada hote rehte hai. Ho sakta hai ki January mein 100 units ke liye Rs 100 dena hota ho, lekin February mein same Rs 100 mein sirf 80 units mil sake aur October mein same Rs 100 mein 200 units mein mil raha ho.... Agar kisi investor ko har maheene same amount invest karna hai, toh yeh cost average out ho sakta hai. Isse kehte hai rupee cost averaging aur iske istimal kar ke aap apna investment cost reduce kar sakte ho.
Or ab last point.
5.Diversify
Aapne nishchit rup se kisi se ye jarur suna hoga, ki ‘apne sare eggs ek basket mein mat rakho', iska deeper meaning yeh hain ki agar aapka ek basket gir gaya, toh kam se kam aapke pass dusra basket to hoga.jisme baki eggs ho.aisa hi ELSS mutual fund mein kiya jata hai.kyuki isme risk ki degree shamil hai, isliye kuch different place mein invest karna sabse achha hai.aisa karne se ye fix hai, ki agar koi ek investment kamjor padne ki condition mein hai,toh dusra investment uski bharpai karega or good returns dega.
Dosto, jaisa ki maine aapse wada kiya tha 5 strategies batane ki jis se aap tax- saving kar sake bata diya, ye 5 strategies aapko tax-saving mein maddat karegi or achhe return ke sath low cost investment mein achha profit kamane ka mouka degi.yeh aaj ki duniya mein aapke paiso ko safe rakhne ke liye designed ki gai hai.
Toh doston, aaj ke podcast mein bas itna hi. Milte hain firse, sometime later - until then. Goodbye from Angel One, and happy investing!
