Because It’s Not Just What You Earn, It’s What You Keep

At Steadrow Capitals, we don’t just aim for great returns we aim for smart returns. Because why hand over more tax than you need to?

1. Annual Tax Harvesting

Every year, before tax filing season, we strategically sell and re-buy select investments to “harvest” gains, utilizing the exemption limit.
This simple yet smart move can save you thousands in taxes legally and efficiently.

2. Choosing Funds That Match Your Tax Slab

Not all mutual funds are created equal. For example:

• Equity funds: taxed as per (LTCG) after 1 year.
• Debt funds: taxed as per your income slab (ouch, if you’re in the 30% club).
• It becomes crucial to design portfolios based on what suits your tax structure, not just the market.

3. Know Your Gains: LTCG vs STCG

LTCG (Long Term Capital Gains) And STCG (Short Term Capital Gains):

• Holding period of a mutual fund can alter your tax obligation.
• Equity funds held over 1 year are taxed as per LTCG but if you sell before a year, it’ll be charged as per STCG.
• We time your exits, so you win both on returns and taxation.

4. ₹1.5 Lakh 80C Exemption

We make sure your investments align with the available deductions like the Section 80C ₹1.5 lakh limit using ELSS (Equity Linked Saving Schemes).

5. Different fund structures = different tax treatments.

We mix and match equity, debt, hybrid, and even arbitrage funds so that your overall tax outgo is minimized and your net gains are maximized. It’s tax alchemy, not just investment advice.

6. Quick Turnaround, Still Low Tax

In mutual funds, even short-term holdings can be more tax-friendly than your regular income.
A high-income individual can end up paying much less tax through clever fund selection than on direct income.

Bottom Line

We’re not just fund pickers. We balance risk, return, and tax efficiency like a seasoned chef balances salt, spice, and sweetness.

Let us show you how we turn complex tax laws into simple money saving strategies and make you feel good every time tax season rolls around.

Let’s make investments tax smart.