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What determines
your investments?
If your employer
offers a super-annuation policy, you can optimally structure your
allocation to taxes, expenditure and investments.
Of the options
available, the investor has the flexibility only to structure the
component of Rs 1 lakh that can be invested in various options under
Section 80C of the Income-Tax Act. For salaried taxpayers earning
significantly less than Rs 10 lakh, structuring this component will
depend on such issues as:
• Age
and risk preference of the taxpayer;
•
Status
of super-annuation - whether you have a policy and, if so, its
investment pattern;
•
Amount
deducted as contribution to your provident fund; and
•
Amount
to be contributed to term assurance policies.
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