It has been seen that if one remains invested in equities for

Posted On: March 2, 2014

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Replica Bags Tax saving schemes have given an average compounded annual return of 14.89 per cent over the past three years and 18.86 per cent over the past five years, according to Value Research, a mutual fund rating agency.These returns are much higher than what investors would have earned from debt oriented products such as Public Provident Fund, Employees’ Provident Fund, National Savings Certificates, and even tax saving bank fixed deposits.Investors get a huge boost on the tax front in ELSS since the returns receive a favourable tax treatment.The dividend from these funds is tax free. Also, owing to the lock in, investors can only sell their units after three years.By then, the capital gains earned from these funds become long term in nature, and hence are taxed at zero per cent, owing to the equity oriented nature of these funds.While the above mentioned factors no doubt make these funds attractive, they also carry several risks that investors tend to ignore, especially in good times such as these, when returns have been high (the one year average return from this category has been 39.50 per cent).ELSS funds have a lock in of three years. After you have invested in them, conditions in the equity markets could deteriorate.In that case, the returns from these funds could be very poor or even negative at the end of three years.Due to the lock in, there is nothing that the investor can do.The only way s/he can tackle this situation is by remaining invested in the fund till the equity markets turn around.This can take several years, hence investors need to be patient.Thus, even though the lock in in these funds is only three years, investors should enter them with a horizon of at least five years, or better still, seven years.It has been seen that if one remains invested in equities for longer, the chances of negative returns diminish.Another risk that investors face in ELSS funds is that if there are changes in the tax structure after the investment has been made, there is little they can do about it.The investor would have to just grin and bear the changes.The tough part is that owing to the lock in they won’t even have the option to exit their investment before the new rules come into effect.There is little that can be done to mitigate this risk. Replica Bags

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