TAX PLANNING

Taurus Capital Advisors

January, 2013

Tax Planning
Tax planning is an integral element of personal nance 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

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Taurus Capital Advisors

Tax Saving Options

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
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

Provident Fund

Return 8-9%

NSC

Returns 8%

Insurance

ULIP Returns Market linked

ELSS Tax Saving FDs

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Returns Market linked ~ 6-20%

Returns 8-9%
Taurus Capital Advisors

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 rst 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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Taurus Capital Advisors

Invest in ELSS!!
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ELSS Performance
3 Year Performance 5 Year Performance

10 Year Performance

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ELSS Performance
Annualised returns
32.59% 28.09% 24.20% 19.54% 13.95% 8.13% 2.80%

12.69% 7.65% 8.68%

1 Year

3 Year

5 Year Category

7 Year

10 Year

Top Performer

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Taurus Capital Advisors

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
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Taurus Capital Advisors

Our Prole

Taurus Capital Advisors

Taurus Capital Advisors is a nancial services rm providing Independent Investment Banking and Wealth Management advice We are an independent and client centric private wealth management rm 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, xed income and alternate investment classes Our philosophy is that each client requires a nancial portfolio to match their varied risk appetite and it takes an expert understanding of the nancial markets to design a portfolio that achieves the clients desired goals.

Investing is all about discipline

We follow a detailed and disciplined process to create and ne-tune your portfolio. Specic 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 uctuations before rebalancing occurs, in order to maximize efciency Carefully select investments from investment offerings in a full array of asset classes Implement your investment plan, managing transitions and analyzing tax implications effectively

THANK YOU
For further details & investing Please contact

Taurus Capital Advisors

+91-98290-07926 investments@tauruscap.in