Every year, the same question: ELSS or PPF? Let's break down which option is better for your tax savings and mutual fund returns as a salaried professional.
Salaried professionals face a classic dilemma: ELSS or PPF for Section 80C? Both save tax, but cater to different goals & risk appetites. Let's uncover the best fit for YOU!
Market-linked equity funds. Potential for higher returns over 5+ years. Shortest 80C lock-in (3 years). LTCG up to ₹1L tax-free. High growth potential, but market risk.
Government-backed, capital-safe. Fixed interest (currently 7.1% p.a.). EEE tax status: investment, interest, maturity all exempt. Longer 15-year lock-in. Zero market risk.
ELSS for aggressive growth & liquidity (post-lock-in). PPF for capital safety & guaranteed returns over the long haul. Your financial goals & risk tolerance guide the choice.
Avoid the March rush! Invest in ELSS via SIPs. Don't treat ELSS as short-term. Research funds thoroughly. Diversify your 80C portfolio. Get personalized advice.
Ready to project your wealth? Use our SIP Calculator to see your potential returns! Consult a SEBI-registered advisor. Mutual funds are subject to market risks. Invest wisely: https://sipplancalculator.in/sip-calculator/