Whalesbook
Aise strategies use ho rahe hain jisse investors apne investment income par tax liability kam kar sakte hain aur apne paise ko zyada time tak hold kar sakte hain.
Equity Mein Investment Ka Fayda
Fixed Deposits jaise taxable options se paisa nikal kar equity shares ya mutual funds mein invest karne se ek bada advantage milta hai. Long-Term Capital Gains (LTCG) par ₹1.25 lakh saalana ke upar 12.5% tax lagta hai (agar indexation nahi kiya toh), jo tax ko kaafi kam kar deta hai.
PPF Ke Benefits Mat Bhoolo
Savings portfolio mein tax-free options like Public Provident Fund (PPF) ko add karna HNIs ke liye super important hai. PPF mein Exempt-Exempt-Exempt (EEE) model follow hota hai: investment, interest, aur withdrawal - agar rules follow karein toh sab tax-free hota hai.
Capital Gains Harvesting Ke Tricks
Investors legally apna annual tax bill kam karne ke liye Capital Gains Harvesting kar sakte hain. Agar aap long-term investments ko har saal sell karke reinvest karte hain, toh aap cost basis ko reset kar sakte hain. Isse aap ₹1.25 lakh ki tax-free limit ko baar-baar use kar paoge, aur overall tax kam hoga. Tax loss harvesting mein, loss mein chal rahe investments ko sell karke capital gains ko offset kar sakte hain. Agar losses bache toh unhein 8 saal tak aage le jaa sakte ho.
Real Estate Tax Kaise Bachayein
Property se hone wali rental income aur sale par capital gains par deductions aur exemptions claim kar sakte hain HNIs. Ismein interest deduction (Section 24) aur capital gains tax savings ke liye profits ko properties (Section 54) ya specific bonds (Section 54EC) mein reinvest karna shamil hai.
Systematic Withdrawal Plans (SWP) Ka Kamaal
Retirement income ke liye, mutual funds se Systematic Withdrawal Plans (SWP) ek traditional interest ya annuity income se zyada tax-efficient option hai. SWP mein, har withdrawal ke sirf capital gains wale part par tax lagta hai, pure amount par nahi, jis se tax bill kam rehta hai.
Hindu Undivided Family (HUF) Ka Advantage
Hindu Undivided Family (HUF) ek separate tax entity ki tarah kaam kar sakti hai, jisse income splitting aur behtar tax planning mein help milti hai. HUF ke through investments ya income route karne se families uske separate tax brackets aur deductions ka fayda utha sakti hain, jisse overall tax burden kam ho sakta hai.