{"id":252,"date":"2019-08-13T06:53:36","date_gmt":"2019-08-13T06:53:36","guid":{"rendered":"http:\/\/blog.budwisefunds.com\/?p=252"},"modified":"2020-12-07T13:15:51","modified_gmt":"2020-12-07T13:15:51","slug":"is-it-worth-to-start-savings-in-elss-in-the-beginning-of-the-financial-yearwhy-so-and-how-can-we-start-investment","status":"publish","type":"post","link":"https:\/\/budwisefunds.com\/blog\/is-it-worth-to-start-savings-in-elss-in-the-beginning-of-the-financial-yearwhy-so-and-how-can-we-start-investment\/","title":{"rendered":"Is it worth to start savings in ELSS in the beginning of the financial year? Why so and how can we start investment?"},"content":{"rendered":"\r\n<p><span style=\"font-size: 20px;\">How to start savings in ELSS in the beginning of the financial year? Get all the information related to this:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Who doesn\u2019t want to save tax on his income? Everyone does, right! But do you really plan your taxes well in advance? Most of us if not all, keep their tax planning at bay throughout the year and consider it only during the end of the financial year.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Investors tend to make mistakes if they take decisions in hastiness. And due to which they end up investing in those instruments which might not be suitable for them.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> So, when an individual should ideally start planning for their taxes?<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/taxsaverfunds.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">Tax Saver Funds<\/a><\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Well, an individual will be in a better position if he starts planning at the beginning of the financial year only.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">This will provide him plenty of time to think, consider and reconsider a particular investment option.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Now I am going to discuss one of the best tax-saving tools which will help you in lowering your tax outgo without compromising on the returns. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">The instrument about which I am talking about is ELSS (Equity Linked Saving Scheme).<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Now let us first understand what ELSS funds are and what they have in for us.<\/span><\/p>\r\n<h2 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>WHAT ARE ELSS FUNDS?<\/strong><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">ELSS funds are those mutual fund schemes that invest 65% of its assets in equity and equity-related instruments.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> The main advantage of investing in these funds is that an investor is eligible to claim deduction up to Rs 1.5 lacs under section 80 C of the Income Tax Act 1961.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">These funds are capable of generating high risk-adjusted returns and have a lock-in period of 3 years. What this means is that in case of SIP, each and every instalment will be locked in for the next 3 years.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Also Read: <a href=\"https:\/\/budwisefunds.com\/blog\/invest-money-or-not-what-are-the-benefits-of-starting-early\/\">Invest Money or Not \u2013 What are the benefits of starting early?<\/a><\/span><\/strong><\/p>\r\n<h3 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>FEATURES OF ELSS FUNDS<\/strong><\/span><\/h3>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<h3><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>Tax saving instrument <\/strong><\/span><\/h3>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">ELSS funds qualify for tax deduction under section 80C which means you can claim investments up to a limit of Rs 1.5 lac as deduction and hence, can lower your tax liability.<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<h3><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>Minimum lock-in period<\/strong><\/span><\/h3>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">These funds have a lock-in period of just 3 years which is the lowest if we compare it with other traditional tax saving instruments like PPF, NSC, 5-year tax-saving FD etc.<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<h3><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>Flexible investment options<\/strong><\/span><\/h3>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Every mutual fund scheme allows its investors to invest either in a lump sum or through SIP, and ELSS is no different. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">You may choose an investment option which suits you the best. However, it is advisable that one should invest in ELSS funds via SIP as it would not only protect your investments from the volatility of the markets but also help in averaging.<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<h3><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>Higher risk-adjusted returns<\/strong><\/span><\/h3>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Unlike traditional tax-saving instruments, ELSS funds are capable of generating better risk-adjusted returns. The returns may vary from 15% to 18% over the long term (5 years or more).<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.mutualfundssahihai.com\/en\/elss-fund-tax-saving-mutual-fund\" target=\"_blank\" rel=\"noopener noreferrer\">Mutual Funds Sahi hai<\/a>\u00a0<\/span><\/strong><\/p>\r\n<h3 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>REASONS WHY ONE SHOULD INVEST IN ELSS AT THE BEGINNING OF FINANCIAL YEAR?<\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Now let us discuss some of the reasons for and benefits of investing in advance in ELSS funds. These are:-<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<p><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>Curb volatility<\/strong><\/span><\/p>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">If you start investing at the beginning of the financial year then you would probably save your investments from the volatility of the markets. One can start a SIP in an ELSS scheme in order to ride the volatility with ease which will also help you in averaging your investment cost.<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<p><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>Avoid notional loss<\/strong><\/span><\/p>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Consider two scenarios wherein in one you are investing at the beginning of the year while in the other you are investing at the end of the financial year. Now suppose the markets have performed fairly in that year. And hence you will miss out on the returns on investments made at the end of the year which would not have been the case if you would have invested at the beginning of the year.<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<h3><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>Circumvent last-minute rush<\/strong><\/span><\/h3>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">An investor will be better off if he considers his tax planning in the beginning of the financial year only. The reason why I said this is that if you plan your taxes in the eleventh hour then there are many chances that you might end up investing in the wrong products and will regret later on.<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>\r\n<p><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>More compounding effects<\/strong><\/span><\/p>\r\n<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">I am assuming that you know what compound interest is and how it works. So if you begin investing in ELSS funds at the beginning of the financial year then you will earn more compounding on your investment which in turn will proliferate your overall returns.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong><em>\u201cA year from now you may wish you had started today\u201d- <\/em><\/strong>Karen Lamb<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<h3 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>CONCLUSION<\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px;\">Investment in equity is all about, how early you start investing and for how long you remain invested. Only time can make a difference to your wealth. And hence one should start investing as soon as he receives his first salary\/income. You should not be investing just for the sake of saving taxes but should be investing for the achievement of your financial goals and growing your wealth.<\/span><strong><span class=\"tadv-format-panel\" style=\"font-size: 20px;\">\u00a0<\/span> <\/strong><\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.moneycontrol.com\/mutual-funds\/performance-tracker\/returns\/elss.html\" target=\"_blank\" rel=\"noopener noreferrer\">Money Control<\/a><\/span><\/strong><\/p>\r\n<p><img loading=\"lazy\" id=\"iiwtsieitbotfy\" class=\"size-medium wp-image-562 aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png\" alt=\"\" width=\"300\" height=\"88\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png 300w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1024x299.png 1024w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-768x224.png 768w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1536x449.png 1536w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-2048x598.png 2048w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1200x350.png 1200w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1980x578.png 1980w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>How to start savings in ELSS in the beginning of the financial year? Get all the information related to this: Who doesn\u2019t want to save tax on his income? Everyone&hellip; <\/p>\n","protected":false},"author":1,"featured_media":2030,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is it worth to start savings in ELSS in the beginning of the financial year?<\/title>\n<meta name=\"description\" content=\"ELSS funds are those mutual fund schemes that invest 65% of its assets in equity and equity related instruments. 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