Improve your Long Term Equity SIP returns with this One Simple Idea!

Click here to read it. Do you want to know a simple trick which will help you improve long term returns from

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Improve your Long Term Equity SIP returns with this One Simple Idea!

Click here to read it.

Do you want to know a simple trick which will help you improve long term returns from your Equity SIP portfolio?

Here is the trick – Include Midcap Equity Funds in your Equity SIP portfolio!

By including midcap equity funds in your equity SIP portfolio you stand a chance to earn better long term returns.  

But how? 

Let’s first start with the long term evidence.

The last 15+ years in a nutshell…

In the last 15+ years, a Midcap SIP (Nifty Midcap 150 TRI) has on an average outperformed large cap SIP (Nifty 50 TRI) by 3% over 7 year time frames!!

The table below shows the outperformance of Nifty Midcap 150 TRI over Nifty 50 TRI from different starting months across 7Y, 8Y and 9Y time frames. As seen below, majority of the times a midcap SIP has outperformed which is evident from the overwhelming green shades in the table. 

The other way to verify this is to look at the rolling returns of a monthly SIP over a 10 year time frame and compare Nifty Midcap 150 TRI with Nifty 100 TRI. 

Over a 10 year time frame if you were investing in Nifty Midcap TRI via a monthly SIP your average returns would have been 15%. A similar monthly SIP in Nifty 100 TRI would have on an average given returns of around 12%. 

Also, the occurrences/chances of higher returns were in favor of Midcaps. 94% of the times the returns were more than 12% whereas for large caps only 59% of the times the returns were more than 12%. 

What about periods where midcaps go through long phases of subdued or flat returns?

Midcap SIPs provided decent returns even during periods when lumpsums in midcaps didn’t do well.

In the chart below you can see the periods when the lump sum gave NIL returns but an SIP still gave reasonable returns (13% to 14% XIRR). 

While the past evidence in terms of performance is convincing enough, but to be sure the same logic applies to the future as well, we need to answer another simple question

Why does this happen?

It’s simple. There are mainly two things that decide your long term SIP returns – 1) Number of mutual fund units accumulated and 2) Ending NAV (at the time of withdrawal). 

The more the units you have at the end of your time frame and the higher the NAV at that time, then the better your SIP returns.

For instance, suppose you and your friend both start a monthly SIP of the same amount for a time frame of 7 years and start at an NAV of Rs.100. At the end of your time frame, assume you have accumulated 2000 units and the NAV is Rs 200. But, your friend has accumulated 2300 units and the NAV is Rs 220. The SIP return for your friend will be more than your SIP return because they have more units and a higher NAV. The additional units and higher NAV give an extra kicker to the SIP returns.    

So, how do we get this combination for an extra kicker to SIP returns? 

For any equity strategy to give you an extra kicker in SIP returns (vs large caps) it needs to tick these two criteria

  1. It should have higher volatility (read as higher temporary declines) vs largecaps over short periods of time. This is because for an SIP investor temporary market falls help accumulate more fund units at lower prices and when the market recovers the extra units accumulated also participate in the upside, thereby enhancing overall returns.
  1. It should have high odds of long term lumpsum outperformance vs large caps over a 7-10 year basis.

Criteria 1 takes care of the higher units part and Criteria 2 takes care of the higher NAV part!

Now let’s check if Midcaps satisfy these two criterias 

Check 1: Are midcaps more volatile than largecaps?

To check for volatility we looked at the intra-year drawdown and compared Nifty Midcap 150 TRI with Nifty 50 TRI (which is a large cap index). We can see in the chart below that historically Midcap has had higher volatility (read as temporary declines) over short periods of time compared to large cap.

Check 2: Do midcaps outperform largecaps over the long term?

To check for this we compared the outperformance of Nifty Midcap 150 TRI versus Nifty 50 TRI. We can see in the table below that over a 7 to 10 year time frame, lumpsum investment in Midcap has outperformed Largecap with average outperformance of 3%. 

Also, over a 10 year time frame, 100% of the time Midcaps have outperformed Largecaps.

As seen above, midcaps satisfy both the criterias which makes it a suitable candidate for improving your long term Equity SIP Performance. 

So, what should you do? 

Maintain at least 20-30% exposure to midcaps in your Equity SIP Portfolio.

If required, you can also increase the midcap allocation further depending on your time frame (longer the better) and ability to put up with larger temporary declines. 

Summing it up

  • Midcap SIPs have high odds of outperforming Large caps over long periods of time. Even during flat market phases Midcap SIPs have delivered decent returns. 
  • Midcaps give an extra kicker to long term Equity SIP portfolio returns driven by
    1. Higher volatility compared to large caps over short periods of time 
    2. Higher odds of lumpsum outperformance over large caps in 7-10 year periods 
  • So, have at least 20-30% exposure to midcaps in your Equity SIP portfolio

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6 Cliches About Mutual Funds You Should Avoid

But a lot has changed in this decade – most investors know basic stuff. Credit can be given to media

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6 Cliches About Mutual Funds You Should Avoid

But a lot has changed in this decade – most investors know basic stuff. Credit can be given to media & even bloggers like us. (I still hate calling myself a blogger – I am a Financial Planner)

Last week I was talking to an NRI from the middle east, who is planning to retire in India. His view was he will invest 100% of his savings in Mutual Funds (80% Debt & 20% Equity) – I haven’t asked him why he thinks so.

He is right or wrong is debatable but one thing is clear Mutual Fund is now a much-accepted product in India.

Mutual Fund Cliches

The popularity of any investment product doesn’t mean that investors understand everything – that’s happening with Mutual Funds right now.. let’s check few misconceptions:

1. Good past performance means good future performance

We usually look at the returns of the past to decide on investments in mutual funds. While past performance can be one of the good indicators but it does not guarantee future performance. It should not be the only factor to consider. You have to consider other factors such as a portfolio of the mutual fund, expenses, and your investment horizon to select the most suitable funds for investment.

My friend Ashish shared this few days back – I think you will be able to identify the mistakes that investors are making.

I wrote a sarcastic article in 2017 Low-Risk High Return – is it possible? to express investors’ emotions at that time. The first point that I mentioned was about past performance – remember ‘kitna deti hai’ ad.

2. Mutual Funds are only for long-term investment

Mutual funds are quite flexible when it comes to time horizon of investment. You can invest in mutual funds for short-term, medium-term and long-term financial goals.

For example, if you are going to need money in the next 3-4 months for paying fees for a course, you can park the money in liquid funds. If you are going to buy a house 5 years down the line, you can invest in a long-term equity fund or long-term balanced fund. So mutual funds are a vehicle for long term investment but can be used as short-term investments as well.

3. Schemes with higher ratings are better investments

Mutual fund schemes are rated by different agencies. These ratings are supposed to represent objective analyses and independent assessments of mutual fund schemes.  Moneycontrol, Valueresearch, Morningstar etc. rate MF schemes.

Research Agency rates open-ended schemes based on various parameters such as portfolio concentration, mean return, volatility, quality of assets, etc.

But if you think that these ratings are crystal balls to gaze future – you are completely wrong. There’s no relationship between these ratings & future returns. Most of the investors who buy funds based on high ratings are finally disappointed & most of them underperform their own investments in the long term.

4. It is more profitable to invest in funds with low NAVs

I am still not sure why investors still prefer penny stocks (price lower than Rs 10-15) or even Mutual Fund schemes with lower NAVs…

If a “friendly” bank relationship manager or MF representative encourages you to invest in a mutual fund scheme because it has a low NAV, be sure to tell them that NAV is not a performance indicator. To look at it in a simplistic way, NAV is the value derived by dividing the total net assets by the total number of units issued to investors.

Let us look at an example –

Mutual Funds MF Scheme 1 MF Scheme 2
NAV as on Jan 01, 2018 ₹15 ₹100
NAV as on Dec 01, 2019 ₹30 ₹120
Change in NAV (%) 50% 20%

As you can see, MF Scheme 1 has performed better in this scenario as compared to MF Scheme 2 as the change in NAV is higher. The change in the NAV between two dates is a measure of performance rather than the NAV value as of a particular date.

5. Invest in the theme of the moment

Sometimes schemes are launched on the basis of some theme. For example, when the real estate or capital goods stock prices are going up, infrastructure funds are considered hot. It is tempting to invest in these schemes to make some quick money.

The perfect recipe of portfolio disaster:

  • When gold is performing invest in gold funds/ETFs,
  • When international funds are performing invest in international funds,
  • When gilt funds are performing invest in gilt funds…

But investment and wealth creation is a long-term game. You have to invest regularly for a long time in the right funds to achieve your goals.

6. SIPs are always better than lump-sum investment

Systematic Investment plans are good for investments but it’s not a Brahmastra. 🙂 They ensure you invest regularly & bring discipline in your financial life. They average out the effect of volatility in your investments. But you need not stay away from lump-sum investment. If you have got a bonus or extra cash in hand and your financial advisor feels it is a good idea to increase investment in some MF schemes, you can go ahead and invest a bigger amount. In a rising market, you will make more returns or you can also consider a Systematic Transfer Plan.

Mutual funds are a good investment choice for regular investors to build wealth. But mutual funds are not risk-free. Choose the right schemes to invest in based on their performance/consistency, investment portfolio, investment churn, expenses and your investment needs to maximize returns and growth

Forbes list of billionaires has 60% turnover per decade. Can you guess what’s the turnover rate of 5-star Mutual Funds per year??

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7 Things We All Hate About Mutual Funds

Mutual funds are (NOW) a popular investment vehicle among investors. They have offered small investors a chance to grow their

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7 Things We All Hate About Mutual Funds

Mutual funds are (NOW) a popular investment vehicle among investors. They have offered small investors a chance to grow their capital and have also educated people about investment planning. But still, there are few things that we all may not like…

Mutual Funds offer several advantages 

  • They offer investment diversification. For example, if you invest in the growth plan of Aditya Birla Sun Life Equity Fund, you will be investing in stocks such as HDFC Bank. ICICI Bank, Bharti Airtel, HCL Technologies, Apollo Hospitals Enterprises Ltd, Exide Industries, and in debt instruments such as Bonds of Indusind Bank Ltd. An investment in a long-term bond fund like IDFC Bond Fund – LTP (G) will diversify your investment across GOI Bonds, REC Bonds, etc.
  • Mutual funds have the potential to provide you with returns that can beat inflation.
  • There are different kinds of mutual funds such as large-cap equity funds, small-cap funds, money market funds, arbitrage funds, gilt funds, etc. that cater to different risk profiles, investment goals, and liquidity needs.
  • It is very easy to invest in and redeem from mutual funds.
  • They are managed by professionals who understand the market, research, and analyze market conditions, the financial performance of securities, and invest accordingly to maximize returns.

Read – Cliches about Mutual Funds that you should avoid

Things We All Hate About Mutual Funds

But all is not hunky-dory when it comes to mutual funds. They do have some disadvantages apart from the risk that investors have to be aware of. Let us look at some features of mutual funds that investors hate –

Fluctuating Returns

We cannot predict the returns of mutual fund schemes. The returns depend on market conditions, interest rates, economy, and managers’ capability. Investors do not like the fact that MF schemes do not offer fixed guaranteed returns and nor can they mirror past performance all the time.

We can also call frustrating returns: when your funds underperform the peers you move to recent performing funds – then winners change in next 1 year.

Lock-in clause

Some MF schemes have lock-in periods. An investor cannot withdraw his investments during this timeframe. If they have to withdraw, they have to pay an exit load. Investors dislike these features of illiquidity and expenditure on withdrawal.

Must Read – How Healthy Is Your Mutual Fund Portfolio?

Fees and Charges

Professional fund managers manage MF schemes and therefore MFs charge a fee for managing your investments. This increases expenses for the investor.  Fund management charge is also a parameter to consider when choosing a mutual fund.

Inefficient Management

Funds that are managed inefficiently do not give the best returns. Some fund managers overturn the portfolio regularly and this increases management costs. In some cases, there are malpractices like window dressing, unnecessary trading, excessive replacement, and selling the loss-making instruments just before publishing financial statements. There is a misselling as well. Investors are not happy when they feel cheated or exploited by the fund.

Must Check – 6 Myths About IPO

Taxation

Mutual fund returns are not tax-free (NOW). Here are the tax implications of MF investments –

  • Dividend income received by MF investors would be taxed.
  • Short Term Capital Gains tax (STCG) of 15% is applicable when equity funds purchased are sold within a year.
  • Long Term Capital Gains (LTCG) above ₹ 1,00,000 in equity funds is taxable at 10%
  • Securities Transaction Tax of 0.001% is levied when you sell units of an equity fund or a hybrid equity-oriented fund.
  • Short term gains from debt funds are added to your income and are taxable as per the income tax slab you fall under.
  • Long-term capital gains on debt funds are taxable at the rate of 20% after indexation.

People universally do not like to pay taxes and mutual funds do attract a bit of tax!

Read – Importance of Financial Planning

No control over the investments

An investor cannot decide the instruments to invest in and the amount of investment in different securities when he invests in a mutual fund scheme. The fund managers and their team take all the investment decisions. People who like to have a say in their money matters will not like this loss of control.

Too many mutual fund schemes

There are about 44 mutual fund houses in India and they offer around 2500 MF schemes for investment it leads to mutual fund pollution!!  The schemes vary over different parameters like investment objectives, size, type of fund, and investment strategy. Selecting a fund house, a scheme, the amount, and type of investment (lump sum or SIP) is complicated for a layman investor and he abhors it.

Smart and experienced investors or investors who take the help of professional financial planners may invest in mutual funds in the right manner. Others may find it tedious. At the same time, investors who lose money lose faith in mutual funds.

Though mutual funds do offer benefits, investors have to understand the downsides. They have to assess their needs, goals, risk-taking capability, fund performance, and features and determine whether the mutual fund investment is right for them.

Please share your list of things that you don’t like in Mutual Funds – let’s crib a bit 🙂

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What is Gratuity & Calculation of gratuity in India?

What is Gratuity in India? is an important component of income but is ignored by most people, especially in the

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What is Gratuity & Calculation of gratuity in India?

What is Gratuity in India? is an important component of income but is ignored by most people, especially in the private sector. The reason is people don’t stick with one company for the long term – another reason is the uncertainty of job. Even “Yours Truly” changed 4 companies before starting a Financial Planning firm in 2009. But my partner Vikas was blessed with Gratuity when he left his job & that amount really came in handy. In this post, you can also check what is Gratuity, Rules, Gratuity Calculation of gratuity in India (you can also download Gratuity Calculator), Rules, Good news that came in 2021 & FAQs 

What is Gratuity in Salary?

Gratuity is a payment made to an employee by the employer either at the time of retirement or when he is leaving the job.  It is given to the employee once he/she has completed at least 5 years of continuous service. It is mandatory for any employer in the private sector or public sector who has 10 or more employees to pay gratuity to all employees. It is a monetary reward for being in service with the company. It acts as a retirement benefit & becomes part of a post-retirement plan.

Check – ESOP Calculation

Gratuity Act 2017 – Amendment

The Payment of Gratuity Act was enacted in 1972. The Act is applicable to all establishments – shops, mines, factories, companies, etc.  It is not applicable for apprentices and persons in civil posts in Central and State governments who have some other rules apply.

So there’s good news – Central Government has increased the tax-free limit for private employees from Rs 10 Lakh to Rs 20 Lakh – that’s a huge benefit for middle & higher management employees.

What are Gratuity Rules?

Employees who have completed 5 years of continuous years of service with the employer are eligible for gratuity. It is paid to them at the time of termination of employment either due to retirement, resignation, superannuation, disablement, or death

If an employee works below the ground (e.g. mine), every year in which the employee works for more than 190 days in a year, is considered as 1 year. If the employee works above the ground, 240 working days in a year is taken as 1 year for calculation.

If the number of days the employee has worked in a year is less than prescribed above, it is ignored for payment calculation. For example, if an employee has worked for 4 years and 10 months, the duration is considered as 5 years and the employee will be eligible for gratuity. On the other hand, if the employee has worked for 4 years and 5 months, it is treated as less than 5 years and no gratuity will be paid.

If an employee expires, gratuity is paid to him for the number of years he worked with the company irrespective of his tenure with the company.

If the employee becomes disabled due to an accident or illness, an Amount is paid to him for the number of years he worked with the company, irrespective of his tenure with the company.

If a person has been terminated from his job due to illegal activities like riot or violence or due to acts that are morally wrong, gratuity is not payable to him.

Calculation of Gratuity In India 

The Calculation of gratuity in India formula is based on salary and number of years of service.

For salaried employees, the law states that one should get a gratuity equal to 15 days of monthly salary for every completed year of service.

The formula to get the amount is –  Salary * Tenure *15/26

Here,

Salary =  Basic Pay + Dearness Allowance + Commission

Tenure = Number of years of service.

15 – Days for which salary is considered per month.

26 = Number of working days in a month (irrespective of whether you have a 5 day work week or 6 days work week)

For daily wage labourers, gratuity is calculated as Average Wage * 15 * Tenure

Here,

Average Wage – Average daily wage of the labourer for the last 90 days.

Tenure – Number of years of service

Read – LTA Rules & Tax Exemption

Gratuity Taxation Rules 

Gratuity paid to Government sector employees is exempt from Tax.

Gratuity Calculation for Private Company

Gratuity rules for the private sector are a bit different – Payment of Gratuity Act 1972 gratuity is exempted up to the least of the following –

  • Rs 20,00,000
  • Actual Gratuity received
  • Last drawn salary*15/26*Number of years of service

For private-sector employees not covered by the Payment of Gratuity Act, 1972, gratuity is exempt from tax in the hands of the employee up to the least of the following –

  • Rs, 20,00,000
  • Actual Gratuity received
  • Average salary * (1/2*Number of years of service)

How to calculate Gratuity is a very common question on TFL – we have created a simple Gratuity Calculator

Download & Calculate Gratuity

FAQs

1) How can I get Gratuity?

Gratuity has to be paid within 30 days from the date it is payable to the person. If it is not paid within 30 days, the company has to pay simple interest from the date of eligibility till the date of actual payment.

Gratuity can be settled in form of cash, cheque, transfer to the account, or demand draft.

2) Does a company consider gratuity in CTC?

Some companies make it as part of CTC and some do not mention it as part of CTC.

3) Can an employer pay gratuity more than what is prescribed?

An employer is allowed to pay an amount greater than what is applicable to the employee as gratuity.

4) If an employee has been retrenched from the company for non-performance or cost-cutting, will he be eligible for gratuity?

If the employee has completed 5 continuous years of service, he is eligible for gratuity payment.

5) Is the probation period considered in tenure for the calculation of gratuity amount?

Yes, a probation period can be considered in determining number of years of service.

6) If an employee is transferred overseas on an assignment, will the tenure abroad be considered for gratuity?

The employee will be on the rolls of the company. So the tenure abroad should be considered for gratuity. If the employee has resigned from the company in India and given a new appointment letter overseas, then gratuity depends on the terms of employment.

Gratuity is usually a substantial amount. It is important to invest it wisely and not squander – that’s why financial planning is so important. Hope this helps you to understand all about gratuity. Do let us know your questions and comments on gratuity.

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5 thoughts on “What is Gratuity & Calculation of gratuity in India?”

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How Can Your Family Help You Reduce Tax Liability?

A family not only gives you love and support – physically and emotionally – but it can also help you

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How Can Your Family Help You Reduce Tax Liability?

A family not only gives you love and support – physically and emotionally – but it can also help you financially.

When it comes to financial help from the family what comes to mind at once is a loan or gift from parents or in-laws, for education, weddings, businesses, and in case of emergencies.

But that’s not all, your family can help you in saving taxes too!

Very few among us have ever wanted to pay taxes but then we must mandatorily. By understanding the provisions of the Income Tax Act, you can make use of different investments and deductions available to you and reduce your tax liability.

But making use of these provisions only on themselves is not only selfish but also imprudent. If you can spend on your family, invest for their health and future, and even given them gifts or loans, then you can make substantial savings in your overall tax liability.

When you save tax by making use of provisions applicable with regards to family, you not only get tax refunds, but you also get higher post-tax returns on any investments you make in their names. Though, all such expenses, investments, gifts, or loans are not admissible for rebates and deduction under the IT act. Certain rules govern what and up to how much is eligible for rebates and deductions.

Family help you reduce tax liability

Here we present a simple categorization of perfectly legal ways your family can help you reduce tax liability. We have categorized these rules under three categories – Parents (including Parents-in-law), Children, and life partners – for simplicity. Some of these provisions are applicable across multiple categories.

Note: Consult your CA before implementing any of the suggestions.

1. Parents always help!

The government wants you to take care of your parents directly and indirectly, and therefore, there are many provisions in the IT Act to help you save tax when you spend on them or invest in their names. Some of these provisions are applicable for your parents-in-law too.

Most of these provisions are applicable if your parents are dependent on you, and some are eligible even if they are financially independent.

Must Read – 11 Unusual Ways of Smart Tax Planning 

2. Take Care of Their health.

With seniors, a medical emergency is around the corner and it can entail hefty out-of-pocket expenses. At such times, the health of your parents is much more important than your personal financial well-being.

Section 80D of the IT Act allows you to avail of tax benefits if you buy a health insurance policy or spend on preventive health check-ups of self and your parents. Not only can you provide for the best healthcare, but also save financial distress and save tax by doing so. This benefit is available irrespective of the financial status of your parents or in-laws.

The benefit available is dependent on parents’ age as follows:

  • Under 60 years: Rs. 25,000 on health insurance + Rs. 5,000 on preventive health check-up = Rs. 30,000
  • Between 60 and 80 years: Rs. 50,000 on health insurance + Rs. 5,000 on preventive health check-up = Rs. 55,000
  • Over 80 years: Rs. 50,000 on health insurance + Rs. 7,000 on preventive health check-up = Rs. 57,000

U/s 80DDB, you can avail up to Rs. 40,000 or Rs. 1-lakh as a deduction for medical expenses incurred on treatment of ‘dependent’ parents. The limits are applicable for parents under 60-years of age or above it, respectively.

3. Pay Rent to Them

If like most Indians, you still live in a joint family with your parents, and the house is in their name, then you can pay the rent. The rent will be added to their income, and you can claim the deduction for HRA. This way you can actually contribute towards the household budget and ensure a steady source of income for them.

Your parents can claim the rent as maintenance charges for the house property and the rest will be added to their income. Therefore, it is better to draw the rent agreement and receipts in the name of the parent who has lesser income but is the owner of the house. If the parents co-own the property, then they can split the rent and save further individual tax on rental income.

Tax exemptions for HRA will be calculated as per applicable rules – u/s 10 if the employer grants HRA or u/s 80GG if it doesn’t. Overall, as a family, you’ll save substantially by paying rent to your parents.

Also Check: Should I Buy or Rent the House?

4. Gift them the bonus

If your parents make investments in their name in direct equities or equity mutual funds, then long-term gains (LTCG) on such investments are at a flat rate of 10% if such gains are over Rs. 1-lakh. It means all gains made below that amount are tax-free. (in case of investments like Fixed Deposits tax savings can be huge)

This presents another opportunity to save tax. In your IT return, you have to show a gift to your parents, and they need to make a purchase of equities or equity MFs and hold them for more than one year. There is no limit on the amount or method of the gift made to parents and the gifted amount is not added to their income.

As the clubbing provision does not include parents, any re-investment of the gains will be considered their earnings and you will have no further tax liability against it. You can do similar tax planning for your parents-in-law.

Kids help too

Like caring for your parents can help you in saving taxes, so can planning for the future of your kids. You can invest in their education, health, and secure their future with insurance and savings schemes. Let’s see how.

5. Think long-term.

With kids, the goals are usually distant in the future with a time horizon of 10 to 20 years. There are many schemes, government-backed and otherwise, that allow you to plan ahead for that long period.

You can open a PPF account in the name of your minor children and invest in it, to avoid clubbing of their income. Another secure and safe debt instrument is the Sukanya Samriddhi Yojana (SSY) available as a lucrative investment vehicle for female children.

If you want to invest in growth and have faith in the long-term returns of the equity markets, you can invest using ELSS from mutual funds, or a ULIP, or a Child plan from an insurance company. (we don’t recommend missing insurance investment)

Also Check: ELSS VS PPF- Save Tax and Make Money

6. Secure their health.

The deduction u/s 80DDB is available for any ‘dependent’, meaning any medical bills up to Rs. 40,000 are admissible minus the insurance reimbursements, incurred on treatment of your children. The treatment must be for specified neurological, malignant cancer, AIDS, renal, or hematological diseases.

7. Secure their future.

A life cover taken on the life of yourself is an expense made towards securing the future of your dependents, especially children. The IT Act grants special status to all life insurance premiums – for the term, endowment, money-back, or unit-linked – paid to insure the life of the proposer, as well as any dependent family member.

Life Insurance is an EEE instrument in case your policy assures returns at maturity or fixed intervals, such returns are also exempt from taxes. The deduction is available up to Rs. 1.5-lakh limit u/s 80CCC.

Also Check:  ULIP vs Mutual Fund + Term Insurance- Which is better for me?

8. Education pays.

Sending children to the best colleges can be expensive, and you may need to avail of an education loan to sponsor your kid’s university fee. The entire interest paid on such education loan, taken for kids’ or spouse’s higher studies is eligible for deduction u/s 80E. This deduction, however, can be availed for only up to 8-years starting from the date of the first EMI.

9. Disability Care

If unfortunately, anyone in your family – children, parents, spouse, or siblings – has a permanent disability and requires constant care and supervision, then section 80DD allows you to avail deduction on expenditure incurred to support such person and to provide them the best possible medical care and rehabilitation.

You can avail of a deduction of Rs. 75,000 if the disability is between 40 and 80 percent, and of Rs. 1.25-lakhs for disabilities more than 80%, irrespective of the actual amount spent. The only condition is that such a disabled person must not have availed the same benefits u/s 80U in their person ITR.

11. Go fund them.

You can always make gifts to your children, without any limits, and in the case of adult children, the earnings from such gifts are not even clubbed. But it is also legal to ‘loan’ them the same money on an interest-free basis.

Each of your adult children has the same tax rules and slabs applicable as you do, and therefore they also can earn a tax-free income up to Rs. 3-lakhs/year. So, any loans to your adult kids will earn income in their names, and hence your tax-liability on such earnings will be nil. You can start by transferring all investments done for them, when they were minors, in their name once they turn eighteen.

Read – Understanding clubbing of income & blunders people make

12. Make your Life-partner a partner in finances!

Married and engaged taxpayers can make their life-partners, their partners in finances and save substantial taxes. You just need to file a separate return in the name of your spouse – some people show all extra earnings as a transfer to her/his name from time to time.

However, consult your financial advisor while making a gift to your spouse, as clubbing provisions may be applicable from case to case.

13. Give a loan or gift to your spouse.

If the annual income of your spouse is below the minimum tax threshold or falls in the lower bracket, then you can loan her/him any extra income you may have. When they will invest it in their name, any earnings on such investments will be considered theirs and not yours.

If the property is registered in the name of the spouse with lower income, then any rental income, actual or presumed, is added to their income, after a standard deduction of 30% towards property maintenance charges. To make the transaction legally binding, you can charge your spouse a nominal interest on the loan or keep their personal property (shares, jewelry, etc.) as collateral.

In the case of an engaged couple, the usual limit of Rs. 50,000 on gifts is not applicable. Therefore, one can gift any amount to the other that they will invest before the wedding. Any income from such investments will be treated as the income of the beneficiary and not the giver of the gift.

14. Share the home, and the debt.

Your home, probably, is going to be your biggest investment, and to save on registration charges, most likely it will be registered in the name of the wife. If you have taken a joint loan on the house property, then it always makes sense to share the deduction also.

You can avail following deductions:

  1. 1.5-lakhs u/s 80C on the repayment of principal. You can also avail of the deduction for stamp duty and registration within the same limit, but only in the financial year of such expenses.
  2. 2-lakhs on repayment of the interest u/s 24.
  3. 50,000 u/s 80EE for loans up to Rs. 35-lakhs, on property worth up to Rs. 50-lakhs.

OR

  1. 1.5-lakhs u/s 80EEA for loans on property worth up to Rs. 45-lakhs.

You can claim tax benefits either for points 3 or 4, but not both. With a joint loan, each joint holder can avail of all the deductions. Therefore, a couple can avail up to Rs. 10-lakhs of deductions from joint ownership and a joint loan on the house property.

Conclusion

Your struggle to save taxes can be eased by your family, only if you are aware of the multiple provisions available to you. With such savings, you can meet their expectations, invest the amount in their future, and save any further tax liability arising out of earnings on such investments.

By showing that you really care, you not only earn their respect and trust but can save your hard-earned money. It just needs a little planning, some guidance from an experienced and certified financial planner, and the enthusiasm to take it to a conclusion.

So instead of rushing into the infamous March-Madness, you can take your time, and make a game plan to lower your tax liability by using your most precious wealth – your family – in a perfectly legal way.

If you want to discuss your Financial Life with a Professional 

Schedule The Call TODAY

Please share your views & queries in the comment section.

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3,917 thoughts on “How Can Your Family Help You Reduce Tax Liability?”

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  1337. Gen Zers have come of age during significant social, environmental and technological change.
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  1338. Army to buy a bunch of almost new hospital cars made surplus by peace and-with the help of industrial designer Raymond Loewy-turned them into handsome red-and-gray streamliners, complete with baggage-mail cars, coaches, dining-tavern cars, and flat-end parlor-observation cars.

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  1342. Jultomten, generally shortened to only Tomten, has been called a cross
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  1378. One thing is that one of the most popular incentives for using your cards is a cash-back or rebate provision. Generally, you get 1-5 back with various expenditures. Depending on the card, you may get 1 back on most purchases, and 5 again on purchases made using convenience stores, filling stations, grocery stores as well as ‘member merchants’.

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  1387. Utilizing luminosity measurements, he decided how much mass needs to
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  1388. In September 2009, when the feed separation from Disney Channel
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  1389. In 1894, Hungarian inventor and industrialist István Röck started to manufacture a large
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  1393. In November/December 2016 Picture-Line released FL Studio Cellular 3 on the Android (Google Play Retailer) then iOS (Apple App Store) and finally Home windows (Home windows App Retailer).

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  1394. In Chè, groups must make a standard sweet
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  1396. Kaufman, Scott (2007). Rosalynn Carter: Equal Accomplice in the White Home.

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  1401. On June 26, optioned Munenori Kawasaki to Triple-A Buffalo, and
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  1410. You have conversations with your employees all day,
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  1411. While the nickel producer will utilize Commodity Future agreements to hedge their upcoming sales,
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  1412. Sometimes called the “Son of Valkyrie,” the Aston Martin Valhalla isn’t available
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  1413. One price point for a winning trade and another price point for a losing trade.
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    A market basket is also used with the theory of purchasing price parity to measure
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  1414. Long hedge – Futures are bought, normally by somebody who uses or processes the commodity, because there is concern that the pricing will increase.
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  1415. NCDEX (National Commodity and Derivatives Exchange Limited): It is an totality online commodity
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  1416. Currency comparison is a great tool to have if you have to make regular foreign exchange transfers.
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  1418. They’re expected to rise to 6.8 percent for the
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  1419. The analysis of documents and ownership structure
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  1420. One thing is that often one of the most popular incentives for using your credit card is a cash-back or maybe rebate offer. Generally, you’ll get 1-5 back on various expenditures. Depending on the credit card, you may get 1 again on most expenses, and 5 back on buying made from convenience stores, gas stations, grocery stores and ‘member merchants’.

  1421. Hi there! I know this is kinda off topic however , I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog post or vice-versa? My site goes over a lot of the same topics as yours and I think we could greatly benefit from each other. If you are interested feel free to send me an email. I look forward to hearing from you! Wonderful blog by the way!

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  1426. And extra Bitcoin advocates are jumping in all the time: In late
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  1427. The options are quite clear from the historical evidence.
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    Since the volatility increases much more than what can be accounted
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  1428. Legislation enacted in 1999 at the request of the US Treasury, the Federal
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  1429. Only so far this year, several Spanish banks have issued more than 15,000 million in mortgage bonds, from large banking organizations, such as Santander, BBVA, La Caixa and Popular, some
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  1435. Historically, there has been a long-run trend towards greater economic inequality over time.
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  1436. Conversely, your enterprise may be doing very well,
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