Tax Planning & Investment Planner
(India – Financial Year: April to March)
At Redwood Financial Strategists, we believe tax planning is more than just annual deductions—it’s a year-round strategy to maximize your wealth. Our approach goes beyond Section 80C, leveraging smart asset allocation, holding periods, and tax-efficient instruments to minimize liabilities while maximizing returns.
We analyze your income sources, investments, and future goals to create a personalized tax roadmap. Whether it is capital gains from equities (12.5% LTCG), indexation benefits on debt funds, or deductions under Section 80D for health insurance, we ensure every rupee works harder for you.
For high earners, we explore advanced strategies like tax-loss harvesting, retirement account optimization through the National Pension System and Public Provident Fund (NPS/PPF), and charitable trusts. For families, we align investments with goals like education Equity-Linked Savings Scheme (ELSS) or home buying (tax-free bonds) to reduce taxable income while building wealth.
With quarterly reviews and proactive adjustments, we turn tax compliance into a growth tool, not a burden. Let us transform your tax outgo into opportunities because smart planning today fuels financial freedom tomorrow.
A typical comparison between ready made plan and personalised plan
| Asset Class | LTCG (Holding > 12/24 months) | STCG (Holding ≤ 12/24 months) | Notes |
|---|---|---|---|
| Equity (Shares/Equity MFs) | 12.5% (above ₹1.25L exemption) | 20% (flat, no slab) | 12-month threshold for LT/ST; exemption up to ₹1.25L on LTCG; no indexation |
| Debt Mutual Funds | 12.5% (if purchased before 1-Apr-23 and held >24m, no indexation) | Slab rate (if held ≤24m or purchased after 1-Apr-23) | Debt funds purchased after 1-Apr-23 taxed as per slab regardless of period; threshold is 24 months |
| Interest Income (FD/SB accounts) | Taxed as per slab (no preferential rate) | Not applicable | Deduction for SB a/c under Sec 80TTA: ₹10,000 (old regime only); FD interest fully taxable as per slab |
| Gold (physical/gold ETFs) | 12.5% (no indexation, after 2 years) | 20% (above ₹1.25L exemption) or slab rate for <2 years | For holding >2 years, LTCG at 12.5%; for shorter period, STCG at slab rate |
| Listed Bonds | 12.5% (if held >24 months, no indexation) | Slab rate (if held ≤24 months) | Interest from bonds: taxed as per slab + TDS for corporates |
| Unlisted Bonds | 12.5% (if held >24 months, no indexation) | Slab rate (if held ≤24 months) |
Services
Strategise. Secure. Succeed. With Confidence.
From tax-smart investments to retirement planning, we craft tailored financial roadmaps that grow your wealth while protecting what matters most your family’s future.
Child Future Planning
Secure education and wedding goals with disciplined investing, tax-efficient instruments, and inflation-proof strategies tailored for your child’s dreams.
Contingency Planning
Build emergency reserves and insurance safeguards to weather unexpected crises without derailing your long-term financial goals or lifestyle.
Retirement Planning
Create a tax-efficient corpus for retirement that beats inflation and ensures lifelong income, so you retire on your terms.
Comprehensive Financial Planning
A 360° plan aligning investments, taxes, insurance, and legacy goals—tailored to your life stage and aspirations.
Wealth Creation
Grow your net worth systematically through goal-based investing, compounding, and strategic asset allocation for long-term financial freedom.