Aaj ke podcast ka vishay hai ELSS funds. ELSS stands for Equity Linked Savings Scheme. ELSS is one of the most popular types of mutual funds in the country. ELSS mutual funds market-linked returns dete hai. Isleye ye funds mein inherent volatility toh hai - lekil ELSS mein invest karne ke kaafi faayede bhi hai.
Iss podcast mein hum ELSS funds mein invest karne ke 3 benefits detail mein explore karenge. At the end of the episode, we will also mention important things to keep in mind before putting your money down in an ELSS fund.
The first benefit of ELSS is the high returns. Everyone wants to invest in a fund that provides high-returns while also being a safe place to park their money. ELSS ticks off both these boxes. ELSS funds Fixed Deposits aur Public Provident Funds jaise doosre investment options se kaafi zyada returns dete hai. ELSS funds offer returns upto 12% per annum. Some ELSS funds have offered returns upto 15% in certain years. Let’s take an example to understand this: if you invest 1.5 lacs in an ELSS fund, then it is possible to double this in 5 years. This is much more than what FD and PPF will give you - aur ye returns National Pension Scheme jaise doosre savings programs ke returns se bhi zyada hai. Despite the high returns, ELSS funds are by no means unsafe. ELSS funds are handpicked by financial experts. These experts are always keeping an eye on the financial markets to find the very best place to invest your money in. Financial markets are very dynamic, and ELSS funds allow you to take advantage of them without putting in the time to study them all day long.
ELSS funds ka doosra faayda hai inka short lock-in periods. ELSS funds ka lock-in period sirf 3 saal ka hota hai. In comparison, ek fixed deposit ka lock-in period 5 saal ka hota hai - aur ek Public Provident Fund aapka investment 15 saal tak lock-in karta hai. Aaj ke zamane mein sabke liye financial flexibility bahut zaroori hai - isleye ELSS ka short lock-in period aaj-kal ki on-the-go generation ke liye perfect hai.
ELSS ka teesra benefit hai tax savings. Income Tax Kanoon ke Section 80C mein har taxpaying Indian ko 1.5 lakh ka tax deduction investments par diya gaya hai. Iss saal ke budget ke anusar tax deductions hataye gaye hai - par ye naya system optional hai, aur aap purane system ke hisaab se tax returns file kar sakte hai. Under the old system, you can get an annual tax deduction of more than 40,000 for investing in an ELSS fund. This is more than the taxes you will save by investing in other options like Fixed Deposits. Further, ELSS par long-term tax sirf 10% hai, jabki aapke FD returns par 30% tax lagta hai. Therefore, Fixed Deposit Accounts ka annual return tax ke baad gir kar 4% ho jaata hai. Taxation ke baad ELSS ka return double digits mein rehta hai.
Market mein bahut saare ELSS funds available hai. Aapko sahi fund chun ne ke liye kaafi factors ko consider karna hoga. Inme se 3 important factors hai: Expense Ratio, Fund History, and Sharpe Ratio.
Expense Ratio is simply the fee charged by the fund for managing your assets. When you invest in an ELSS fund, you receive the privilege of experts putting your money in the right assets to maximise long-term returns for you. In exchange for this service, ELSS funds charge an average fee of about 1% of the assets under management. SEBI ne expense ratio par 2.5% ka upper limit impose kiya hai.
Investors should also look into the historic returns of the funds they are looking to invest in. Har fund apne portfolios alag strategies se deisgn karte hai, aur alag strategies se alag returns milte hai. An investor should look at the average annual returns over the last 5 years of the fund that they are looking to invest in.
Finally, aapko koii fund ko apne paise dene se pehle uss fund ka Sharpe ratio zaroor check karna chahiye. Sharpe ratio ka meaning simple hai - par log aise financial terms sun kar dar jaate hai. Kisi bhi fund ka sharpe ratio aapko uss fund ki risk optimizaiton skills batata hai. Ideally, agar aap apne investments mein zyada risk utha rahe hai, toh aapke returns bhi potentially badne chahiye. This is measured by the sharpe ratio. Agar koii ELSS fund ka Sharpe ratio high hai, toh iska ye matlab hua ki wo fund extra risk lene par high returns deta hai. So an investor should park his money with a fund that has a comparatively higher Sharpe ratio.
चलिए, एंजेल वन की तरफ से आपको आज के अलविदा. ये podcast शेयर करना ना भूलियेगा - याद रखियेगा की ज्ञान बाटने से बढ़ता है । और फिर अंत में तोह financial markets एक ऐसी university है जिसमे कोई professor नहीं, सब students ही है ।