Tax Planning & Advisory

Your investible surplus is what counts

It is not how much income you earn that matters, but how much you retain after taxes. Taxes, if not planned properly, take away a large portion of your earnings and consequently of your investible surplus. Over the long term, that constant reduction makes a substantial difference to your ultimate net worth.

Improve your savings, legitimately

Although tax is not the crux of financial planning, planning it judiciously is important because it improves the return on your investments. With the right approach you can minimise the impact of taxes in an entirely legitimate way and increase what you keep. Every rupee saved is a rupee earned.

Four questions we ask of every tax-saving option

We will suggest relevant tax-saving ideas and instrument options that address the four questions that actually determine whether something is worth doing:

1. Is there a tax benefit on the amount invested?
2. Is there a tax benefit on the income received from the investment?
3. Is the principal received on maturity taxable?
4. What is the rate of tax on the income received?

An instrument that passes the first test and fails the other three is not a tax saving. It is a deferral, and often an expensive one.

Where we stop

We work alongside your chartered accountant rather than replacing them. We do not file returns or give formal tax opinions. What we do is make sure the investment side of your tax position is sensible: deductions mapped to your situation, eligible routes assessed on investment merit and not just on the deduction, and capital gains planned, harvested and set off deliberately rather than by accident.