कहते हैं जल्दी का काम शैतान का।
बाकी का पता नही पर Tax Saving के बारे में ये सच है।
Now whenever February march starts two type of creature in financial sector become aggressively active, ones like zombies in search of only tax saving products in their mind that too in so much haste that beats the basic nature of saving.
2nd are those fox like cunning so called financial advisors who aggressively shoot these zombies in head by selling them those tax saving products which are beneficial for the seller and does nothing good for the investor.
जल्दबाजी क्यों ना करें-
1. Coz this is your hard earned money and this tax hoax should not either deprive you from good returns or principal amount itself.
2. Most of the time these investment are for long term and need to be consistently paid for years.It must be worth the effort and money that is going to be paid for longer period.
3.While one is in haste, tendency is to overlook all shortcomings and blind trust on over amplified traits.At the same time thoughtful decisions are taken in relaxed mode.
बड़ो ने कहा है सुनना सबकी ,करना अपने मन की
Now you would find everyone suggesting you something be it your insurance advisor, your colleagues or those ads in TV. You probably hear somebody on TV say "mutual fund sahi hai" or may be " jeevan ### Jindgi ke sath bhi..Aur baad bhi"
Now it is your decision to look at your financial profile and need to choose one among them. So you have to be wise enough to know the pro and cons of each one of them.
Looks little tough to assess all but yes Internet is key to everything now a days.
While assessing these products, below criteria must be kept in mind-
1. Tax saving aspect under which section of Income Tax Act
2. Lock in period
3. Return on investment
4. Flexibility of payment