The Service
What this actually solves.
Two identical portfolios can deliver very different post-tax outcomes. We structure holdings, switches and withdrawals around current capital-gains rules — working alongside your CA — so tax drag stops quietly eroding your returns.
Who this is for
Every inefficiency costs you at the highest rate. Structure matters most to you.
Frequent churning has been generating short-term gains tax you may not have noticed.
Withdrawal sequencing can materially change the tax on the same monthly income.
What’s Included
Six things you can hold us to.
Every engagement is documented — you will always know what was recommended, why, and what happens next.
Start the Conversation- 01ELSS planning under 80C
Tax-saving allocations that also fit your overall equity strategy — not standalone purchases every March.
- 02LTCG / STCG-aware switching
Fund changes timed and sized around holding periods and the annual exemption limit.
- 03Capital-gains harvesting
Systematic use of the LTCG exemption each year to reset acquisition costs where beneficial.
- 04Tax-aware withdrawal sequencing
SWPs and redemptions ordered to draw from the most tax-efficient units first.
- 05Asset-location decisions
Which asset sits in which structure — growth options, family members’ folios — within the rules.
- 06Coordination with your CA
We provide clean capital-gains statements and work with your tax advisor, not around them.
Post-tax
is the only return that reaches your bank account. It deserves the same attention as the headline number.
Our Approach
How the work unfolds.
01
Audit
We quantify the tax drag in your current portfolio.
02
Structure
Holdings and future flows arranged for post-tax efficiency.
03
Sequence
Every switch and withdrawal executed with the tax calendar in view.
Common Questions
Asked before most first meetings.
We structure investments tax-efficiently within current law, and we coordinate with your chartered accountant for filing and interpretation. We complement your CA — we do not replace them.
If you are in the old regime and using Section 80C, ELSS remains the shortest-lock-in equity option within it. Under the new regime the case changes — which is exactly the kind of trade-off we walk through with you.
Booking long-term gains up to the annual exemption limit each year and reinvesting, which resets your cost of acquisition. Done systematically, it can meaningfully reduce the tax on your eventual exit.
Ready to talk about tax-efficient investing?
A first conversation is free and obligation-free. We will tell you honestly whether this service is what you need.
Book a Consultation