Tax Profit/Loss harvesting – Effective way to save tax

Tax planning plays an essential role in personal finance management. One of the strategies that sophisticated investors use to minimize tax liabilities is capital gains and losses harvesting, often referred to as Tax Loss Harvesting. It is an opportunistic way to increase your post-tax returns on investment. What is Tax Loss Harvesting?When you invest in

Tax planning in the case of equity shares

Efficient Tax planning can do wonders and you can save direct taxes which become pains sometimes when you see the outflow in your payslip, since we are near March end, let me write my thoughts about tax planning around equity shares. Let us first understand how the sale of equity shares is treated in income

Various Pension Investment Options – comparison

I get these questions a lot when I conduct the personal financial awareness session “How do I get the guaranteed income or pension after I retire for the rest of my life?”, The word here “Guaranteed” is important 🙂 There are various simple answers to this question: Buy long-term annuity options – You can purchase it

Various options in Fixed Income

In today’s time of falling interest rates and new tax rules have triggered a post to look at the Fixed Income landscape, In this post, I tried to demonstrate concepts in various ways. Risk Return Hirearchy of debt funds 2. Credit Risk Category – to get slightly higher returns obviously with more risk 3. Various

Personal Tax Planning – How to Optimize and Maximize Returns

Tax planning month (April) is here and I am getting lot’s of request for ‘how to optimize the tax planning and maximize the return of investment (ROI), with that intent I am starting the thread of article which will help every individual for tax planning purpose every year. For Retirement and financial planning, please connect

Why PPF investment make sense before 5th of every month

The new financial year is almost here and many of my investor friends will consider April month for tax planning. If you are interested look at the post Personal Tax Planning – How to Optimize and Maximize Returns – Ambrulz’s Blog (wordpress.com) which will give you more tips and tricks for tax planning. Many PPF

All about Capital Gain Tax in India

This is a two-part series looking at Capital Gain Tax in India, This is the first part and we will cover the basics of capital gain tax and details about Long/short terms capital gains tax. In you are interested look at the post Personal Tax Planning – How to Optimize and Maximize Returns – Ambrulz’s

Best Investment Options For Senior Citizens

Updates as of 31st March 2023 Reminder for Senior Citizens (60+) The limit of the Senior Citizen’s Savings Scheme (SCSS) has increased to Rs 30 lakh per senior citizen, from 1st April 2023. For an elderly 60+ couple, investing Rs 60 lakh is possible. Earlier, the limit was Rs 15 lakh per person. At the

Recent changes in new 26AS Form of Income Tax 2020

Question: What Happened? On 18 July 20, Income Tax Dept informed that new 26AS form is implemented New 26AS will now include certain high value transactions. How does it impact retail investors like you and me. Question: What’s Form 16? Answer: Click here to find out more. Question: What’s changed recently? Answer: Now Form 26AS,