Biswajit Das is a diploma holder in wealth management from IIFP Delhi and goal planning specialist from EDGE Learning Academy who can be contacted at 9339288488 or dbiswajitifcs@gmail.com. The document discusses that while investments may provide returns, wealth creation is not guaranteed as taxes and inflation erode those returns over time. It provides an example showing how accounting for a 30% tax rate and 5.18% inflation reduces the net maturity and return of a Rs. 100,000 investment earning 7.25% over time.

1. BISWAJIT DAS
Relationship Beyond Advising
Diploma in Wealth Management – IIFP Delhi, Goal Planning Specialist – EDGE Learning Academy
Call – 9339288488, Mail – dbiswajitifcs@gmail.com
https://www.linkedin.com/pub/biswajit-das/1a/504/148 https://twitter.com/dbiswajitifcs https://www.facebook.com/dbiswajit.ifcs
Guaranteed Return – Wealth Creation not Guaranteed
An initiative to promote Financial Awareness by
BISWAJIT DAS
Diploma in Wealth Management – IIFP Delhi, Goal Planning Specialist – EDGE Learning Academy
Relationship Beyond Advising
Call – 9339288488, Mail – dbiswajitifcs@gmail.com
https://www.linkedin.com/pub/biswajit-das/1a/504/148 https://twitter.com/dbiswajitifcs https://www.facebook.com/dbiswajit.ifcs
Investment Return Maturity Tax Slab Inflation Tax Paid Inflation Erosion Net Maturity Net Return
100000 7.25% 107250 30% 5.18% 2175 5556 99519 -7.73%
Myth – I am getting Guaranteed Return.
Reality – Never calculate Tax & Inflation.