Is ELSS better than PPF for your Section 80C tax saving? Let's break down the classic investment face-off to find your winner!
PPF is a govt-backed safe vault with fixed, tax-free returns (7-8%). ELSS is equity-linked, offering market-driven growth potential (10-15%+) but with volatility.
ELSS offers the shortest 3-year lock-in for 80C, giving you liquidity for mid-term goals. PPF is a 15-year commitment, ideal for long-term retirement planning.
PPF returns are guaranteed & fully tax-exempt (EEE). ELSS offers higher potential but gains over ₹1L are taxed at 10% LTCG. Factor post-tax returns!
Risk-averse? Go PPF. Young & growth-focused? ELSS. Most people benefit from a balanced approach: combine PPF for safety and ELSS for wealth creation.
Don't wait till March or invest a lump sum. Always SIP for rupee cost averaging. Treat ELSS as a long-term (5+ years) investment, not short-term parking. No chasing past returns!
Don't delay! Understand your goals and risk. Use our Goal SIP, SIP, and Step-up Calculators at sipplancalculator.in to optimize your investments today!