{"id":2252,"date":"2018-12-07T04:28:47","date_gmt":"2018-12-07T04:28:47","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=2252"},"modified":"2019-06-14T07:31:29","modified_gmt":"2019-06-14T07:31:29","slug":"5-things-you-shouldnt-be-doing-elss","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/","title":{"rendered":"5 Things You Shouldn\u2019t Be Doing With Your ELSS"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d0be1d4bbc4\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d0be1d4bbc4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/#1_-_Dont_always_make_last_minute_decisions\" title=\"#1 &#8211; Don\u2019t always make last minute decisions\">#1 &#8211; Don\u2019t always make last minute decisions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/#2_-_Dont_redeem_after_3_years\" title=\"#2 &#8211; Don\u2019t redeem after 3 years\">#2 &#8211; Don\u2019t redeem after 3 years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/#3_-_Dont_switch_after_every_3_years\" title=\"#3 &#8211; Don\u2019t switch after every 3 years\">#3 &#8211; Don\u2019t switch after every 3 years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/#4_-_Dont_accumulate_too_many_ELSS\" title=\"#4 &#8211; Don\u2019t accumulate too many ELSS\">#4 &#8211; Don\u2019t accumulate too many ELSS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/#5_-_Dont_opt_for_dividend_option\" title=\"#5 &#8211; Don\u2019t opt for dividend option\">#5 &#8211; Don\u2019t opt for dividend option<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/#Do_you_have_a_caveat_to_add\" title=\"Do you have a caveat to add?\">Do you have a caveat to add?<\/a><ul class='ez-toc-list-level-6'><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/#Find_Top_Rated_Tax_Saving_Mutual_Fund_schemes\" title=\"Find\u00a0Top Rated Tax Saving Mutual Fund schemes.\">Find\u00a0Top Rated Tax Saving Mutual Fund schemes.<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><em><img loading=\"lazy\" class=\"alignleft wp-image-1318\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/05\/Tushar-Jain-300x300.jpg\" alt=\"\" width=\"150\" height=\"150\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-300x300.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-150x150.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-768x766.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-1024x1021.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-160x160.jpg 160w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-320x320.jpg 320w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain.jpg 1050w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/em><\/p>\n<p><em>Tushar is a personal finance enthusiast who loves to write on money, savings, investments and spending. Through his writings on <a href=\"http:\/\/www.jaintushar.com\/\" target=\"_blank\" rel=\"noopener\">https:\/\/jaintushar.com\/<\/a>, his vision is to make personal finance easy and comprehensible for his audience. <\/em><em>Subscribe to his <a href=\"https:\/\/jaintushar.us19.list-manage.com\/subscribe\/post?u=eb03880645ff0c5d23605593f&amp;id=61b4434321\">blog<\/a>.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>It\u2019s that time of the year again when majority of the salaried class starts looking out for the best tax saving options.<\/p>\n<p>While there are multiple tax saving instruments available under section 80C, Equity Linked Saving Schemes (<a href=\"https:\/\/kuvera.in\/explore\/elss\" target=\"_blank\" rel=\"noopener\">popularly known as ELSS<\/a>) comes as a top choice \u2013 thanks to lower lock in period, increased acceptance and ease of investment via <a href=\"https:\/\/kuvera.in\/signup?referral=TJAIN\">Kuvera<\/a>.<\/p>\n<p>However, staying invested in ELSS is not that straightforward either.<\/p>\n<p>There are few caveats which you need to keep in mind once you select ELSS as part of your financial plan.<\/p>\n<p>Below I am covering 5 such caveats.<\/p>\n<p>&nbsp;<\/p>\n<h5><span class=\"ez-toc-section\" id=\"1_-_Dont_always_make_last_minute_decisions\"><\/span>#1 &#8211; Don\u2019t always make last minute decisions<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>January &#8211; March quarter of every financial year is the time when the activity in ELSS is at its peak.<\/p>\n<p>However, this may not be the best strategy to follow with your ELSS investments.<\/p>\n<p>Ideally, tax saving via ELSS should be a part of your overall personal financial planning and should begin right at the start of the financial year i.e. from April onwards.<\/p>\n<p>That way, you will stick to the discipline of investing, can benefit from cost averaging and won\u2019t be in a pressure to save tax at the 11<sup>th<\/sup> hour.<\/p>\n<p>As a case in point, take a look at my investment for year 2018 in Axis Long Term Equity Growth Plan. You will see SIPs as well as lumpsum payments multiple times in an year. I have been following this strategy for past 6 years now and my XIRR for the fund is ~12%. Not bad.<\/p>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-2256\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/12\/ELSS-Summary-for-2018-1.png\" alt=\"\" width=\"2000\" height=\"1075\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/12\/ELSS-Summary-for-2018-1.png 2000w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/12\/ELSS-Summary-for-2018-1-300x161.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/12\/ELSS-Summary-for-2018-1-768x413.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/12\/ELSS-Summary-for-2018-1-1024x550.png 1024w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>If you fall in the user group that is used to taking action at the end moment, make sure this is the last time you are doing, especially w.r.t your ELSS investment.<\/p>\n<p>From next year onwards, start investing in ELSS right from April. Better you do SIPs if you are not an active investor.<\/p>\n<p>&nbsp;<\/p>\n<h5><span class=\"ez-toc-section\" id=\"2_-_Dont_redeem_after_3_years\"><\/span>#2 &#8211; Don\u2019t redeem after 3 years<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>While the lock in period of ELSS is 3 years and you are free to withdraw your money after this <em>time-frame<\/em>, it doesn\u2019t mean you have to necessarily pull out your money as soon as the 3 year period ends.<\/p>\n<p>You may be investing in ELSS purely for tax benefits. However, link it to your long term <a href=\"https:\/\/kuvera.in\/goals\" target=\"_blank\" rel=\"noopener\">financial goals.<\/a><\/p>\n<p>If the fund is performing well,\u00a0 give at least 5 years to yourself before you pull out. Otherwise, you may not be drawing out full potential of your ELSS.<\/p>\n<p>&nbsp;<\/p>\n<h5><span class=\"ez-toc-section\" id=\"3_-_Dont_switch_after_every_3_years\"><\/span>#3 &#8211; Don\u2019t switch after every 3 years<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Strategy to switch funds is quite widespread among the DIY investors.<\/p>\n<p>The idea is to pull out the money at the end of the 3<sup>rd<\/sup> year from your ELSS, pay 10% capital gains as tax on it and reinvest the money in another ELSS.<\/p>\n<p>So you don\u2019t need fresh capital to invest but can still avail the tax benefits of section 80C.<\/p>\n<p>Well, I am not a big fan of this strategy.<\/p>\n<p>This makes sense if the fund hasn\u2019t performed well for 3 years. But if it has, there\u2019s no point switching to another one. Stay invested and increase your SIP amounts each year than switching to alternate options.<\/p>\n<h5><\/h5>\n<h5><span class=\"ez-toc-section\" id=\"4_-_Dont_accumulate_too_many_ELSS\"><\/span><strong>#4 &#8211; Don\u2019t accumulate too many ELSS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>There are lot of people who invest in a different ELSS every year. (I was one of them during my initial investing days. \u2639)<\/p>\n<p>The assumption is that they are de risking themselves. So if one ELSS doesn\u2019t perform well, the other one will.<\/p>\n<p>Well, that may not be the best case scenario most of the times.By investing in multiple ELSS, you may be spreading yourself too thin. In fact, most of the ELSS may be investing in same sectors &amp; stocks.<\/p>\n<p>It\u2019s better to stick to one ELSS and increase your investment there rather than switching the fund every year, unless the fund isn\u2019t performing as per your expectation (or as per the benchmark).<\/p>\n<p>&nbsp;<\/p>\n<h5><span class=\"ez-toc-section\" id=\"5_-_Dont_opt_for_dividend_option\"><\/span>#5 &#8211; Don\u2019t opt for dividend option<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>If your only source of income will be your mutual funds, then only opt for dividend option.<\/p>\n<p>Otherwise, opt for growth option.<\/p>\n<p>Dividend is declared from the profit that the fund makes. If you take that profit home, you kill your chance to earn from the reinvested capital.<\/p>\n<p>But if you opt for growth option, the money is invested back to the mutual fund and that reflects in your appreciated capital.<\/p>\n<p>&nbsp;<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Do_you_have_a_caveat_to_add\"><\/span>Do you have a caveat to add?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Comment below and let the audience know the caveats you follow when investing in ELSS.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"Find_Top_Rated_Tax_Saving_Mutual_Fund_schemes\"><\/span><strong>Find\u00a0<a href=\"https:\/\/kuvera.in\/explore\/top-rated\/equity\/elss\" target=\"_blank\" rel=\"noopener\">Top Rated Tax Saving Mutual Fund schemes<\/a>.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.kuvera.in\"><strong>kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tushar is a personal finance enthusiast who loves to write on money, savings, investments and spending. Through his writings on https:\/\/jaintushar.com\/, his vision is to make personal finance easy and comprehensible for his audience. Subscribe to his blog. &nbsp; It\u2019s that time of the year again when majority of the salaried class starts looking out [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":7,"featured_media":2262,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[236],"tags":[92,78,71,93,67,70,73],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Things You Shouldn\u2019t Be Doing With Your ELSS - Kuvera<\/title>\n<meta name=\"description\" content=\"Save tax under Section 80C the right way using tax saving ELSS mutual funds and by avoiding 5 things you shouldn\u2019t be doing with your ELSS.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/5-things-you-shouldnt-be-doing-elss\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Things You Shouldn\u2019t Be Doing With Your ELSS - 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