New income tax regime savings: The adoption of the new income tax regime has eliminated most deduction-linked incentives. However, evaluating investments purely on tax efficiency can be misleading. Many legacy instruments serve essential portfolio or risk-management roles, and discontinuing them may impair financial resilience or return optimization. Find out which tax saving investments should be continued under the new regime and why.PPF: Risk-free, tax-sheltered retirement corpusThe Public Provident Fund remains one of the few true EEE (Exempt-Exempt-Exempt) instruments. Its 7.1% tax-free yield equates to a pre-tax return of almost 10% for individuals in the 30% bracket. This is much higher than most other fixed-income options. The sovereign guarantee makes it a low-risk anchor in the debt allocation of a retirement portfolio. Though liquidity is constrained (15-year tenure, limited partial withdrawals), for long-horizon investors this illiquidity enforces discipline. Recommendation: Continue contributions if…
