The Tax-Smart Investor
Keep more of what you earn — legally.
Salaried professionals or business owners with equity/MF portfolios who want to minimise their tax liability without taking on compliance risk.
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Understand the 12.5% long-term capital gains tax on equity — the holding period threshold, the grandfathering clause, and indexation changes.
Read article - 2STCG on stocks18 min
Learn the 20% short-term rate that applies when you exit equity holdings within 12 months — and how it interacts with your income tax slab.
Read article - 3Dividend tax15 min
Navigate TDS on dividends, the abolition of DDT, and when dividend income is more tax-efficient than capital gains for different investor profiles.
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Map out all eligible investments under 80C — ELSS, PPF, NPS, life insurance, EPF, home loan principal — to maximise the ₹1.5 lakh deduction.
Read article - 5ELSS vs PPF vs NPS22 min
Compare the three dominant tax-saving instruments on lock-in, returns, liquidity, and post-maturity tax treatment — to pick the right mix for your situation.
Read article - 6Tax-loss harvesting20 min
Systematically book unrealised losses before March 31 to offset taxable gains — a legal strategy that can save meaningful amounts in an up-and-down market.
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Navigate the ITR-2 form: import your capital gains statement, reconcile with Form 26AS, handle carry-forward losses, and avoid the most common filing mistakes.
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Stay current on the latest Budget changes — LTCG rates, STT revisions, new tax slab options, and their impact on equity, MF, and NRI portfolios.
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