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Investment Counseling and Insurance

Investment Services for the Insurance Industry

Banking on the individual requirements of the clients, we are engaged in rendering Investment Counseling Service. Our entire counseling is done as per the taxable income is present and the investment ensures fruitful results too.

  • Financial planning for future needs
  • Evaluation of insurance needs
  • Choice of correct investment option

We use our sophisticated modelling tools to help us analyze your situation and help you make informed choices about your future investment strategy.

Our clients include institutions, public and private companies, trustees and multinationals.

To know more about AVH Consultants Investment Counseling and Insurance services, write to info@avhconsultants.com.

Investment Consulting

Creating successful strategies for institutional investment programs rests on a foundation steeped in expertise and sound judgment. We partner with our clients across a broad range of plan types to develop and maintain leading-edge investment programs. Our work is predicated on analyzing situations — from both a quantitative and qualitative perspective — as we draw upon a wealth of resources to be our client’s trusted investment consultant.

We provide a complete range of global investment consulting services that are tailored to your specific goals and circumstances. Our experienced global consulting teams have a high level of varied expertise, the foresight to respond to new developments before they reach our clients and the objectivity to challenge convention. We can help you solve your most complex investment problems in practical, cost-effective ways that impact your business.

We advise a wide range of fund types including defined benefit plans, defined contribution and accumulation plans, endowments and foundations, hospitals and sovereign wealth funds. Our range of services continues to expand further in pensions risk solutions, investment governance, asset allocation strategies and alternative asset classes. We also provide delegated investment consulting and communication services.

Tax Saving Planning

Tax planning is an integral piece of a proper financial plan. Understanding the impact taxes will have on your financial well-being is essential.
We guide you to take legitimately in the full benefits of all deductions, exemptions and rebates your tax liability reduces to minimum. By employing effective tax planning strategies, you can have more money to save and invest or more money to spend. Or both. Your choice.

Section 80C
Deduction under this section is available only to an individual or an HUF.

Section 80C of the Income Tax Act allows certain investments and expenditure to be deducted from total income up to the maximum of Rs. 150,000 from the Financial Year 2014-2015. This section has been introduced by the Finance Act 2005. Broadly speaking, this section provides deduction from total income in respect of various investments/ expenditures/payments in respect of which tax rebate u/s 88 was earlier available. The total deduction under this section (along with section 80CCC and 80CCD) is limited to Rs. 1.50 lacs only.
Several options are available to claim the 80C deduction. Luckily, since there are no sub limits for these options, you can do all of Rs. 1,50,000 in one of them or allocate to many. You may also end up investing more than Rs. 1,50,000 in these; however your deduction in total will be limited to Rs. 1,50,000.
Section 80C of the Income Tax Act allows certain investments and expenditure to be deducted from total income up to the maximum of Rs. 150,000 from the Financial Year 2014-2015

Our Tax Savings Solutions help to reduce your tax burden and at the same time, aim to grow your money through equity investments.

Benefits from Tax Savings Investments:

  • Reduce Tax Liability
  • Create wealth over a period of time

Tax saving is important, if you are in the highest tax bracket 30%, you save a tax of Rs. 46350/-. Section 80C of the Income Tax Act, 1961 provides options to save tax by reducing the taxable income by up to 1.5 lakh. But, wealth creation is also important. Isn’t it? That’s why these solutions are ideal for investors who would like to create wealth along with tax saving.

The best Tax Saving Investment is ELSS Funds, followed by EPF/ PPF. As per the past track record ELSS Funds have outperformed all other Tax Saving Investments by a huge amount.

ELSS (Equity linked savings scheme) FUNDS

There are some mutual fund schemes specially created for offering you tax savings, and these are called Equity Linked Savings Scheme, or ELSS. Whatever investments that you make in ELSS are eligible for deduction under Sec 80C. Equity Linked Saving Schemes of mutual funds are nothing but diversified equity funds that have a lock-in period of three years and provide tax benefit and at the same has the potential to create wealth over a period of time.
Since a major portion of the amount is invested in equities or equity stock markets, the earning potential is higher as compared to other tax saving investments. Investors can invest up to rupees 1,50,000 in an ELSS fund and deduct the investment from their taxable income u/s 80C of Income Tax Act, thereby effectively reducing their tax liability.

Benefits of ELSS Funds

Provide double benefit of tax saving, tax free capital gains and tax free dividends.
Income tax benefit – Investments made in ELSS schemes are eligible for deduction from taxable income under Section 80C of the Income Tax Act.
Lower lock-in period – In comparison to traditional investment avenues like PPF, NSC under section 80C of the Income tax Act, ELSS funds have the shortest lock in period of 3 years.
Tax-free dividends/Capital gains – Dividends declared under the ELSS scheme during the investment period are tax-free. The profits on the sale of ELSS units are treated as long-term capital gains, and are not subject to tax.
Higher return potential – ELSS funds invest a large part of the fund in equity, which despite short-term volatility has the potential to build wealth over the long term.

Who should invest in ELSS Funds?

  • Investors looking for wealth creation over the long term.
  • Investors looking for tax deductions under Section 80C.
  • Investors having a time horizon of 3 years or more.

There are two ways to invest in ELSS Funds:

  • Invest a fixed amount every month through a Systematic Investment Plan (SIP) in ELSS and ease the burden of large investments towards the end of the financial year.
  • Invest a lump sum amount at any point of time.

Why SIP is the best method for ELSS?

One of the best ways to invest is to save and invest on a regular basis. SIP is an investment method in which an investor invests small amounts in mutual funds at regular intervals.

In addition, SIP helps an investor take benefit of the volatility in the stock markets by rupee cost averaging and helps garner the advantage of compounding. Investment in an ELSS through SIP provides an investor the best combination of tax savings and capital appreciation. The minimum investment in an ELSS through the SIP route can be as low as rupees 500.

The lower lock-in period of 3 years in comparison to other tax savings instruments and the potential to take full advantage of growth through equities make ELSS funds a preferred investment option.

Retirement / Pension Funds

A Pension Plan is a retirement tool. A Pension Plan from Mutual Funds allows you to invest either lump sum or regular SIP, helps you in creating a retirement corpus, while also giving you a tax deduction upto Rs. 1,50,000/-. It also ensures a financially secure retirement and guarantees your peace of mind. So that you can make your dreams a reality and have financial freedom in the post retirement life.

Advantages of the Retirement / pension Funds from Mutual Funds:

  • No allocation charges / Upfront charges typically charges by Unit Linked Insurance Plan (ULIPs) with Units allotted for 100% of the invested amount.
  • Has the potential to grow the corpus over time.
  • Scope for better returns, beating inflation.
  • Offers Liquidity.

There are three Pension Plans from the Mutual Funds.

1. Franklin India Pension Plan:

  • The fund is a Government notified Pension Plan offering Tax benefits with an objective to help investors to build retirement corpus.
  • The fund can invest upto 40% of its assets into equities mainly to beat inflation while debt allocation ( upto 100%) is aimed at providing stability to the portfolio.
  • On attaining 58 years of age ( subject to completion of lock in period of 3 years and minimum target investment of Rs. 10,000 ), investor can avail of any of the following options- Pension Option, Lump sum option and Flexible Option.
  • The Fund has generated a return of 13.02 % in the last 15 years as on 31 December 2014.

2. UTI Retirement Benefit Pension Fund:
An open-ended balance fund with a maximum equity allocation of 40% and the balance in debt. This ensures primarily to provide pension in the form of periodical income/ cash flow to the unit holders to the extent of redemption value of their holding after they complete 58 years of age through Systematic Withdrawal Plan By the age of 52 yrs. the minimum investment should be at least Rs. 10000.Exit load of 5% if redeemed less than 1 year, 3% if redeemed 1 year and above but less than 3 years and 1% if redeemed 3 years and above, and NIL if redeemed after 5 years.

3. Reliance Retirement Fund:
An open ended notified Tax saving cum pension scheme with no assured returns. The investor will get tax deductions for investments upto Rs.1.5 lacs in a Financial year, under Sec 80C.
Reliance Retirement Fund has 2 schemes –Wealth Creation Scheme & Income Generation Scheme.
Wealth Creation Scheme invests 65-100% in Equity and 0-35% in Debt and Money market instruments.
Income Generation Scheme invests 70-95% in Debt and money market securities and 5-30% in Equity and Equity related instruments.
It offers unlimited switch between schemes. Exit load of 1% on redemption before the age of 60 years, subject to lock in period of 5 Years.
The fund gives you Systematic Transactions where you can accumulate using both SIP and lump sum over earning years and use Systematic withdrawal Plan (SWP) to use only what is needed after retirement.

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