Ditch the tax dread! Uncover the best 80C investment for YOU. Let's compare ELSS, PPF, and NPS to save tax & grow wealth effectively.
These 3 tax-savers have distinct traits. ELSS is high-growth & risky, PPF is safe & steady, NPS is retirement-focused with balanced exposure.
ELSS aims for 12-18% (market risk). PPF offers 7.1% guaranteed (tax-free). NPS delivers 8-12% (balanced). Match returns to your risk appetite.
ELSS: 3-year lock-in (shortest). PPF: 15-year long game (partial withdrawals after 7 years). NPS: until 60 (retirement focus). Plan for liquidity needs.
ELSS & PPF are EEE (investment, returns, maturity all exempt). NPS is EET (annuity component taxable), but offers extra 80CCD(1B) deduction.
Don't blindly chase returns, ignore liquidity, or skip diversification. Understand your risk, goals & review regularly. Generic calculators are just a start!
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