Performance of various asset classes like Equity, Gold, Silver, PPF and comparison with inflation values & % terms.
*Sensex_vs_FD_PPF_Gold_Silver_1981_2025*
Wealth creating using various financial products like Mutual funds, Shares, Secondary market Bonds, Health Insurance,General Insurance and Life Insurance. How to use Mutual Funds to safe guard your fund against inflation, create Wealth and Save Tax. Other services offered are Income Tax and GST consultancy and return filings.
Sunday, May 4, 2025
Wednesday, April 30, 2025
Monday, April 21, 2025
SIP Can Create Huge Wealth!
🚀 *SIP Can Create Huge Wealth!* 💰
Just look at this simple example:
📅 Monthly SIP: ₹5,000
💼 Total Invested Over 30 Years: ₹18 lakh
📈 Expected Returns: 19%
💸 Final Amount: ₹9.13 Crore! 😲
Yes, just ₹5,000 a month could grow into *over 9 Crores* if you stay *disciplined and consistent* for 30 years.
🗝 *The secret? Time and Patience.*
Stay invested. Let compounding do the magic! ✨
#DontRetireRich
https://slfinancialservices.wylth.com/
Friday, April 18, 2025
Different Asset Classes
In 1987, the Sensex stood at just 442. Today, in 2025, it’s crossed 75,000.
That’s not growth. That’s a revolution—a 170x surge.
Gold, with all its glitter, rose from ₹2,570 to ₹92,000.
Impressive, yes—but that’s just 35x.
PPF and FDs? Reliable, predictable. But as interest rates dropped from 12% to 7.1%, they’ve struggled even to keep pace with inflation.
And yet, through every shock and storm, the Sensex kept doing what it does best: compounding.
It wasn’t always smooth sailing:
2008: The Sensex crashed over 50%. Gold held steady.
2020: The pandemic sparked panic. Gold glittered—but equities came roaring back.
2011–2015: Equities went flat. Debt played the stabilizer.
That’s the real story: not one asset, but a combination.
Equities build long-term wealth.
Gold shields during uncertainty.
Debt offers peace of mind and balance.
Asset allocation isn’t about avoiding risk.
It’s about surviving the storm—so you’re still there to enjoy the sunshine.
And that sunshine?
It’s in equities.
Always was.
Always will be
Wednesday, April 16, 2025
ELSS Funds vs NPS: Key Differences
ELSS Funds come with a lock-in period of just three years. After this period, you can withdraw your entire investment along with any returns earned during this time. This makes them a relatively short-term option for tax savings and potential wealth growth.
On the other hand, NPS (National Pension System) is primarily designed for long-term retirement planning. While partial withdrawals are allowed before the age of 60—up to 25% of your contributions—this is only permitted for specific purposes like medical emergencies or your children’s education. However, it's important to note that you can only withdraw up to 25% of your own contributions, not the entire account balance.
Upon reaching retirement, you can withdraw 60% of your accumulated corpus tax-free. The remaining 40% must be used to purchase an annuity, which provides you with regular payouts throughout your retirement.
Paying rent above ₹50,000/month? A must-know tax rule!
🚨
If you're paying more than ₹50,000 per month as rent to your landlord (whether you're a salaried individual or not), the Income Tax Department expects you to deduct TDS (Tax Deducted at Source) under Section 194IB.
🔹 TDS @ 5% needs to be deducted from the total annual rent.
🔹 This must be deposited with the government using Form 26QC.
🔹 You also need to issue Form 16C to your landlord.
👉 Failure to do so? You may be treated as an assessee in default—which could lead to penalties and interest.
💡 Even if you're not a business owner or salaried person, this rule applies if your rent exceeds ₹50,000/month.
✅ Stay compliant. Avoid unwanted surprises from the tax department.
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