What is ELSS? Which are top ELSS funds ?
Features of ELSS
Asset Class
Twin Benefits
Mutual Fund Investing more than 65% of its corpus in Equities and equity related products • Tax saving u/s 80C upto investment of Rs 2 Lacs • Wealth creation
Choice of Investing
• Growth - Profits added back to the basic Value of investment • Dividend - Profits paid out to investor
Misc. Features
• Minimum Investment amount is Rs 5,000 • Lock-in Period of 3 years
Benefits of investing in ELSS
Deduction u/s 80C upto Rs 1.5 Lacs
Returns are Tax Free
Tax Saving
Higher Returns of Stock Market
Long Term Investing Approach
Wealth Creation
Return of ELSS- Comparison 350
Rs. 100 Invested, Since October 2009
300
Rs 294
250 200
Rs 168
150
Rs 160
100 50
PPF
Return calculated as on 30 April 2015 Source- AdviseSure.com Research
Reliance Tax Saver (ELSS)
BSE 100
Apr-15
Jan-15
Oct-14
Jul-14
Apr-14
Jan-14
Oct-13
Jul-13
Apr-13
Jan-13
Oct-12
Jul-12
Apr-12
Jan-12
Oct-11
Jul-11
Apr-11
Jan-11
Oct-10
Jul-10
Apr-10
Jan-10
Oct-09
0
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5 Critical Things to Look before Investing in ELSS 1
Historical performance- We need to assess the historical performance / track record of the scheme to ascertain its future returns
2
Credit Rating- ELSS schemes are rated by rating agencies on the basis of the risk and return factors associated with a particular scheme. It is recommended to opt for schemes with high ratings
3
Fund size- Consider the fund size i.e. the asset under management (AUM) before finalizing your scheme. Schemes with more than Rs.75-100cr AUM confidence
4
indicate considerate investor
Transaction costs - Transaction cost and asset management fees of a scheme should be compared with other schemes
5
Risk associated- Also keep in mind the element of risk, depending on the sectors (equity stocks) in which the scheme is investing. Look out for ratios like Sharpe ratio, Sortino ratio etc to ascertain risk adjusted performance
Know
5 Top ELSS Funds
AXIS Long Term Equity Fund (G) Fund Size
Rs 5129.7 Crore
Expense Ratio
2.46% 1 Year CAGR
3 Year CAGR
5 Year CAGR
Fund
14.1%
30.9%
19.6%
SIP
4%
32.3%
26.6%
-5.1%
12.8%
6.4%
Past Return
S&P BSE Sensex
Scheme Snapshot – To generate income and long-term capital appreciation from a diversified portfolio of predominantly equity and equity related Securities. However, there can be no assurance that the investment objective of the Scheme will be achieved.
Rs. 2,44,920
Rs 1,14,477
Rs. 1,00,000 Invested 5 years back
Rs. 1,000 SIP Invested 5 years back
Beta
0.85
Sortino Ratio
0.18
Birla Sun Life Tax Relief '96 (G) Fund Size
Rs. 1964.6 Crore
Expense Ratio
2.36% 1 Year CAGR
3 Year CAGR
5 Year CAGR
Fund
16.9%
26.2%
11.4%
SIP
3.2%
27.6%
21.2%
-5.1%
12.8%
6.4%
Past Return
S&P BSE Sensex
Rs 1,71,440
Rs 1,00,787
Rs 1,00,000 Invested 5 years back
Rs 1,000 SIP Invested 5 years back
Scheme Snapshot – Long term growth, through a portfolio with a target allocation of 80% equity, 20% debt and money market securities. An Equity Linked Saving Scheme (ELSS) under Section 88 of the Income Tax Act.
Beta
0.91
Sortino Ratio
0.16
BNP Paribas Long Term Equity Fund (G) Fund Size
Rs. 391.28 Crore
Expense Ratio
2.61% 1 Year CAGR
3 Year CAGR
5 Year CAGR
Fund
9.8%
24.1%
14.4%
SIP
-1.9%
24.3%
20.8%
-5.1%
12.8%
6.4%
Past Return
S&P BSE Sensex
Rs 1,96,497
Rs 99,741
Rs 1,00,000 Invested 5 years back
Rs 1,000 SIP Invested 5 years back
Scheme Snapshot – To generate longterm capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent from time to time.
Beta
0.86
Sortino Ratio
0.14
IDFC Tax Advantage (ELSS) Fund (G) Fund Size
Rs. 345.8 Crore
Expense Ratio
2.88% 1 Year CAGR
3 Year CAGR
5 Year CAGR
Fund
10.7%
24.3%
13.2%
SIP
-0.9%
24%
20.1%
-5.1%
12.8%
6.4%
Past Return
S&P BSE Sensex
Rs 1,85,917
Rs 98,255
Rs 1,00,000 Invested 5 years back
Rs 1,000 SIP Invested 5 years back
Scheme Snapshot – To generate long-term capital growth from a diversified portfolio of predominantly equity and equity related securities.
Beta
0.83
Sortino Ratio
0.17
Reliance Tax Saver (ELSS) Fund - (G) Fund Size
Rs. 1964.6 Crore
Expense Ratio
Scheme Snapshot – To generate longterm capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.
2.45% 1 Year CAGR
3 Year CAGR
5 Year CAGR
Fund
-0.9%
25.8%
13.6%
SIP
-14.8%
26.9%
21.9%
-5.1%
12.8%
6.4%
Past Return
S&P BSE Sensex
Rs 1,89,142
Rs 1,02,430
Rs 1,00,000 Invested 5 years back
Rs 1,000 SIP Invested 5 years back
Beta Sortino Ratio
1 0.10
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