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Capital gains from property sale? How to balance tax saving with long-term wealth creation
The same is the case with Aditya, a viewer of The Money Show on ETNow. He plans to invest capital gains from a property sale into a mix of high-growth and stable instruments for a long-term horizon of around 10 years. The key question is a suggestion on combination of investments for good returns and how time and amount-wise distribution should be done
Understanding capital gains taxation
Explaining the basics, financial expert Shweta Jain said that capital gains from property arise when an asset is sold at a profit. If the property is held for more than two years, it qualifies as long-term capital gains.
She noted that taxation on such gains is currently structured at 12.5% without indexation or 20% with indexation from 2024.
“So, any property that is held for more than two years, you can have indexation. Indexation basically adjusts your cost of acquisition to current,” the expert said. Indexation helps adjust the purchase price of the property for inflation, thereby reducing the taxable gains.
She also highlighted that investors should explore legitimate ways to save on capital gains tax, depending on whether they want to reinvest in property or other eligible assets. “So, your cost of acquisition sort of increases, so profit reduces for capital gains calculations. So, when you have a profit, you want to sort of save the capital gains also because you do not want to pay tax on the entire thing if you can help it. There are legit ways to save capital gains especially on property,” Jain said.
Reinvesting in property vs exploring other options
One of the most common ways to save tax is reinvesting the gains into another property. However, Jain pointed out that while this helps in tax efficiency, it may not always be the best option for wealth creation.
She explained that real estate investments come with limitations such as large capital commitment, lower liquidity, and constraints in quickly accessing funds when needed. This makes it important for investors to evaluate whether locking a significant amount into another property aligns with their broader financial goals.
There are a few sections based on whether you want to buy another property, whether you already have another property in consideration, whether you want to buy any other long-term asset, whether it is again a property, Jain said.
Role of equity in long-term wealth creation
The expert said Aditya can invest in another property if he wishes to save capital gains tax. However, we also have the opportunity of maximising his wealth. So, property again comes with its own set of restrictions whether it is a huge amount of capital being blocked or limited liquidity requirement if required to liquidate immediately or other sort of constraints when it comes to property.
For investors with a longer time horizon, equity can be a compelling alternative. Jain said that equity investments are better suited for goals beyond five years, as they have the potential to generate higher returns over time despite short-term volatility.
Given Aditya’s 10-year horizon, a combination of equity and relatively stable instruments could help balance growth and risk. However, the exact allocation would depend on his risk appetite and financial needs.
Balancing growth and stability
The key, Jain suggested, is to avoid concentrating the entire capital gains into a single asset class and instead diversify across instruments to optimise returns while managing risk.
Capital gains from property sales present an opportunity not just for tax planning but also for long-term wealth creation. While reinvesting in property can offer tax benefits, investors should weigh it against liquidity constraints and return potential. A well-balanced portfolio with a mix of equity and stable assets, aligned with a long-term horizon, can help achieve both growth and financial flexibility.
(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)
If you have any mutual fund queries, message on ET Mutual Funds on Facebook/Twitter. We will get it answered by our panel of experts. Do share your questions on ETMFqueries@timesinternet.in alongwith your age, risk profile, and twitter handle
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No.1042 Leave Players Stunned by Clever Purple Category Twist
NEW YORK — The New York Times Connections puzzle on Saturday delivered a brain-teasing mix of everyday terms and clever wordplay, with its trickiest category sparking widespread discussion among dedicated solvers worldwide.
The answers to NYT Connections No. 1042 for April 18, 2026, featured four distinct groups that tested players’ ability to spot subtle connections among 16 words.
Yellow category (easiest): Look At With Awe — GOGGLE, MARVEL, STARE, WONDER. Green category: Basic Electricity Terms — AC, DC, POWER, VOLTAGE. Blue category: Unexpected Winner — DARK HORSE, LONG SHOT, SLEEPER, UNDERDOG. Purple category (hardest): Starting With Soda Brands — CRUSHWORTHY, FANTAGRAPHICS, FRESCADE, PEPSINOGEN.
Players who nailed the purple group early often celebrated their sharp eye for puns, as each word cleverly begins with a well-known soda brand: Crush (Crushworthy), Fanta (Fantagraphics), Fresca (Frescade) and Pepsi (Pepsinogen). The category required solvers to move beyond literal meanings into brand-inspired portmanteaus and scientific terms, a hallmark of Connections’ more challenging purple puzzles.
Connections, the popular word association game created by the New York Times Games team, challenges players to group 16 words into four thematic categories of four words each. Correct groups earn color-coded feedback: yellow for the most straightforward, followed by green, blue and purple for increasing difficulty. Mistakes are limited to four before the puzzle ends.
On Saturday, many solvers in Seoul and across Asia tackled the puzzle during morning commutes or lunch breaks, sharing grids on social media with reactions ranging from quick victories to frustrated near-misses. The electricity terms proved accessible for those with basic science knowledge, while the “unexpected winner” group drew on sports and betting slang familiar to fans of horse racing or underdog stories.
The purple category stood out as the day’s standout, blending consumer culture with word formation. “Crushworthy” evokes something deserving of affection, playing on Orange Crush soda. “Fantagraphics” nods to the independent comic book publisher but starts with Fanta. “Frescade” suggests a refreshing escape, tying to Fresca, while “Pepsinogen” — a biological precursor to the digestive enzyme pepsin — cleverly incorporates Pepsi. This mix of pop culture, branding and niche vocabulary left some players impressed and others reaching for hints.
Social media platforms buzzed with shared strategies and scorecards. One solver posted, “Got yellow and green instantly, but purple had me staring at the board for 10 minutes until the soda puns clicked. Brilliant!” Another admitted, “Missed purple completely — who connects pepsinogen to soda? Tough but fair.”
The puzzle’s design reflects the evolving style of NYT Games under editor Wyna Liu, who curates Connections to balance accessibility with occasional clever twists. Launched in 2023, the game has grown into a daily ritual for millions, often paired with Wordle, Spelling Bee and other NYT puzzles for a full morning brain workout.
For those who struggled, common pitfalls included lumping “MARVEL” with comic book themes due to its association with Marvel Entertainment, or seeing “POWER” and “VOLTAGE” as too obvious and overthinking the electricity group. The “unexpected winner” words overlapped thematically with underdog narratives in movies and sports, tempting players to form incomplete groups.
Experts recommend starting with obvious clusters, such as technical terms or synonyms, before tackling abstract connections. On April 18, identifying the electricity words early helped clear the board for many, opening pathways to the awe-inspired verbs and betting slang.
In Seoul’s competitive puzzle communities, players often compete for fastest solve times or perfect games. Saturday’s board rewarded logical deduction over obscure knowledge, though the purple category leaned on cultural awareness of American soda brands — a minor hurdle for international audiences but one that highlights the game’s U.S.-centric roots.
Beyond entertainment, Connections encourages lateral thinking and vocabulary expansion. Educators have noted its value in classrooms for building associative skills, while cognitive enthusiasts praise its role in daily mental exercise. Research on word games suggests regular play may support memory and problem-solving abilities, though benefits vary by individual.
The New York Times continues expanding its puzzle ecosystem, with Connections maintaining strong engagement metrics. Daily player counts reach into the millions, fueled by shareable results that foster online communities on Reddit, X and Discord. Hashtags like #NYTConnections and #Connections1042 trended lightly as solvers compared notes on the soda pun category.
If you solved Saturday’s puzzle without mistakes, congratulations — a perfect game is always satisfying. For those who needed hints or exhausted mistakes, the experience still sharpens skills for future boards. NYT allows unlimited play after solving, letting users review connections at leisure.
Looking ahead, Sunday’s Connections No. 1043 promises another fresh set of words, with early community speculation already swirling about potential themes. Players are advised to approach each puzzle with fresh eyes, avoiding carryover assumptions from previous days.
Strategies that worked well on April 18 included:
- Scanning for technical or scientific words first, like the electricity set.
- Considering synonyms for actions, such as ways to gaze in awe.
- Exploring slang and idioms for competitive contexts like “dark horse.”
- Thinking creatively about prefixes or brand mashups for the hardest group.
Newcomers to Connections can access the game via the NYT Games app or website with a subscription. The rules are simple: select four words that share a common thread, submit, and use the color feedback to guide remaining groups. One mistake costs a life; four end the attempt.
Saturday’s puzzle joined a growing archive of memorable boards that blend the mundane with the mischievous. The soda brands category, in particular, demonstrated how everyday consumer items can inspire sophisticated wordplay when reimagined.
As the day progressed in global time zones, reactions poured in from casual players and hardcore fans alike. Some appreciated the balance — straightforward groups preventing total frustration, while the purple provided that signature “aha” moment. Others called for more diverse cultural references to better serve the international audience.
The New York Times Games team selects words carefully to avoid overly obscure or sensitive terms while maintaining challenge. Feedback from players helps refine future puzzles, ensuring Connections remains engaging without becoming impenetrable.
For April 18, 2026, the board succeeded in uniting solvers in shared triumph or commiseration. Whether you spotted the awe verbs quickly or decoded the soda starters on the final try, the puzzle delivered its core promise: intellectual fun through unexpected links.
Did you conquer Connections No. 1042? Share your color sequence and hardest category in online forums or with friends. And prepare for tomorrow — a new grid awaits with fresh opportunities to connect the dots.
In an era of endless digital distractions, games like Connections offer a welcome pause for focused thinking and community. Millions log in daily, turning solitary word grouping into a collective experience that spans continents and cultures.
From the bright yellow ease of “stare” and “wonder” to the purple ingenuity of brand-inspired terms, Saturday’s puzzle exemplified why Connections has become a staple alongside Wordle. It rewards curiosity, pun appreciation and pattern recognition in equal measure.
As solvers in Seoul and beyond closed their apps, many reflected on lessons learned: sometimes the toughest connections hide in plain sight, waiting for that spark of insight. That’s the enduring appeal — not just finding answers, but discovering the clever threads that bind them.
The puzzle’s popularity underscores broader trends in digital gaming, where simple mechanics meet deep engagement. NYT reports sustained growth in its games division, with Connections contributing significantly to subscriber retention and daily habits.
Whether you achieved a reverse rainbow by solving from hardest to easiest or simply cleared the board, April 18 offered a satisfying mental stretch. Tomorrow brings reset buttons and new words — the cycle continues, keeping minds sharp one connection at a time.
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Stem Cell Injections in Spain Fuel Hopes for Lakers Playoff Return
LOS ANGELES — Los Angeles Lakers superstar Luka Doncic continues aggressive rehabilitation on his Grade 2 left hamstring strain, including specialized stem cell and injection treatments received in Spain, as the team prepares to open the 2026 NBA playoffs without its leading scorer.
Doncic suffered the non-contact injury in the third quarter of the Lakers’ April 2 loss to the Oklahoma City Thunder. He grabbed his left hamstring after a move near the paint, left the game visibly upset and did not return. An MRI confirmed a Grade 2 strain, involving partial tearing of muscle fibers, which typically requires four to six weeks of recovery time.
The Slovenian guard, who led the NBA in scoring for much of the season and powered the Lakers to the Western Conference’s third seed, was ruled out for the remainder of the regular season. With the playoffs tipping off Saturday against the Houston Rockets, Doncic’s availability remains uncertain, though the team and player are pursuing every option to accelerate healing.
Following the injury, Doncic consulted with Lakers medical staff and his personal team before flying to Spain for advanced care. He underwent multiple injections, including regenerative therapies such as stem cell treatment, under the supervision of specialists linked to Real Madrid, his former European club. Reports indicate he received care from Dr. Javier Barrio and spent time in Madrid before briefly visiting family in Slovenia and returning stateside.
As of Friday, April 17, Doncic had rejoined the Lakers in Los Angeles after completing initial rounds of treatment overseas. He is expected to undergo further evaluation next week, but head coach JJ Redick has stated there will be no update on his playing status this week. Doncic remains listed as out indefinitely, with no confirmed timetable for a return.
A Grade 2 hamstring strain often sidelines players for about 35 days on average, though location near the hip can complicate recovery and raise re-injury risks. Doncic had a milder hamstring issue earlier in the season, missing four games in February, adding caution to the Lakers’ approach. The team is balancing the desire for his explosive playmaking with the need to protect long-term health.
While in Europe, Doncic focused on promoting faster tissue repair through injections aimed at reducing inflammation and stimulating healing. Sources close to the situation described the trip as an attempt to shave days or even a week off the standard timeline. Upon returning, he is continuing a structured rehab program that likely includes physical therapy, strength exercises, anti-inflammatory measures and monitored progression from rest to light activity.
Lakers fans and analysts have expressed mixed emotions. Many praise Doncic’s commitment to aggressive recovery, noting his history of playing through discomfort. Others worry about rushing back, especially given the playoff intensity and the strain’s history. The Lakers are already without Austin Reaves, who is dealing with his own Grade 2 oblique strain and is also out indefinitely.
Without Doncic, the Lakers leaned on LeBron James, who has ramped up his minutes, along with supporting cast members like D’Angelo Russell, Rui Hachimura and younger players stepping into larger roles. The team secured its playoff berth but faces a tough first-round matchup against a Rockets squad built around youth and athleticism.
Playoff basketball demands explosive movements that heavily load the hamstrings, making a premature return risky. Medical experts note that incomplete healing could lead to a more severe tear, potentially ending a postseason run or affecting future seasons. Doncic, at 27, remains in his prime, but repeated soft-tissue issues have drawn attention to workload management.
The injury occurred at a critical juncture. Doncic had been dominant, averaging career-high numbers and carrying the Lakers during a strong late-season surge. His absence has shifted focus to team resilience, with James shouldering more offensive creation. Yet the Lakers’ ceiling clearly rises with Doncic’s unique blend of size, vision and scoring ability.
Community reaction on social media reflects the stakes. Lakers supporters share well-wishes and speculate on possible return windows, with some optimistic about a mid-to-late first-round appearance if healing progresses well. Skeptics point to the compressed timeline: even an accelerated three-to-four-week recovery might only allow participation in later series rounds, assuming the Lakers advance.
NBA insiders report the organization is taking a measured stance. Redick has emphasized patience, noting that both Doncic and Reaves will be re-evaluated next week. The coaching staff is preparing as if the stars might remain sidelined initially, focusing on defensive schemes and pace adjustments to compensate for missing firepower.
Doncic’s journey from injury to potential comeback highlights modern sports medicine. Regenerative treatments like stem cell injections and platelet-rich plasma therapies have grown popular in professional athletics for shortening downtime. While not guaranteed to work miracles, they represent cutting-edge options for elite athletes seeking edges in recovery.
In Dallas, where Doncic built his legend before the trade to Los Angeles, fans watched developments with interest. The April 6 matchup between the Lakers and Mavericks went on without him, underscoring how his presence alters game dynamics.
Broader implications extend to the MVP race, which Doncic had been in contention for before the injury. His scoring title pursuit ended abruptly, though his earlier body of work secured strong consideration. The setback also affects playoff seeding narratives and underscores the physical toll of an 82-game season plus international commitments.
For the Lakers front office, the situation tests roster depth and contingency planning. General manager Rob Pelinka and staff have built a competitive group around James and Doncic, but injuries expose vulnerabilities. Speculation about future roster moves may intensify if the team exits early.
As Saturday’s Game 1 against Houston approaches, attention turns to how the Lakers adapt. James has spoken about elevating his game, while role players express readiness to fill gaps. Yet the collective hope centers on Doncic’s progress. If regenerative treatments yield positive results, he could provide a massive boost in later rounds.
Rehabilitation protocols for hamstring strains generally progress through phases: acute rest and protection, followed by mobility work, strengthening, functional training and sport-specific drills. Monitoring swelling, pain levels and strength symmetry is crucial. Advanced imaging may guide clearance decisions.
Doncic’s return to Los Angeles on or around April 17 marks a step forward, but full basketball activities remain distant. He is not expected to participate in early playoff games, with estimates pointing toward early May at the soonest for any potential limited action.
The NBA playoffs, beginning April 18, 2026, will test the Lakers’ depth immediately. Houston presents speed and defensive pressure that could exploit any rust or hesitation in the supporting cast. Success without Doncic would require exceptional contributions across the board.
Looking ahead, the organization must weigh short-term gains against long-term risks. Hamstring injuries can linger, affecting explosiveness and confidence. Careful load management upon return will be essential, possibly including minutes restrictions or strategic rest.
Doncic has built a reputation as a tough competitor who hates missing games. His willingness to travel for specialized care demonstrates dedication. Fans worldwide, including in his native Slovenia and adopted Los Angeles, await updates with anticipation.
In the coming days, further medical evaluations will clarify the path forward. Until then, the Lakers focus on winning without their star, while Doncic pushes rehabilitation boundaries responsibly.
The situation serves as a reminder of basketball’s physical demands. Even superstars face setbacks that reshape seasons. For the Lakers, turning adversity into opportunity could define their 2026 playoff narrative.
Whether Doncic returns this postseason or begins focused preparation for next season, his recovery process underscores advances in athlete care. Stem cell therapies and targeted injections offer hope, but time remains the ultimate healer.
As Los Angeles braces for playoff basketball, all eyes remain on the Slovenian phenom’s left hamstring. The coming weeks will determine if aggressive treatment in Spain pays dividends on the court or if patience becomes the wiser strategy.
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