NPS Scheme 12 BIG Changes || Is National Pension Scheme Best For Retirement Planning?
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- Опубликовано: 13 мар 2024
- NPS Scheme 12 BIG Changes || Is National Pension Scheme Best For Retirement Planning?
We made a video about NPS (National Pension System) some time ago where we discussed the pros and cons of NPS. However, there have been so many changes recently that we are compelled to create another video explaining how NPS is continuously improving over time.
Please note that this video is not a recommendation to invest in NPS - I'm not an investment expert, I'm just here to inform you about all the changes. Whether to invest or not is your decision.
NPS started back in 2004, initially designed only for government employees. However, due to its increasing popularity, it was opened to everyone after 2009.
Since 2009, there have been over 50 changes in NPS, but I'll specifically focus on the changes since 2020, as we've already covered the ones prior to that in a previous video.
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Retirement planning is an important aspect of financial stability. It’s crucial to make informed decisions and seek expert advice.
Absolutely. I recently engaged with a distinguished advisory firm that specializes in connecting individuals with top-tier financial advisors. Despite not directly managing assets, their unique approach has significantly impacted my financial trajectory.
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That’s remarkable! How did you come across FOLMAR ADVISORY, and how does their matching process work?
Their matching process takes a personalized Questionnaire approach, carefully assessing each client’s financial objectives,risk tolerance, and preferences before recommending a compatible advisor. Through their meticulous vetting process, they ensure that clients are paired with advisors who have a track record of delivering exceptional results.
You can look their name up on the WEB
Current govt doesn't want salaried people retire with proudly and peacefully thats why they don't extending the self contributions part upto >=1lac with tax benefits.
??
Kya bak raha he
Thanks for the video. It is quite helpful.
Thanks. Good and effective explanation.
Thank you 🙏
Welcome 😊🙌
Thanks
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
*@mellon-wrigley3* That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?
"Gertrude Margaret Quinto" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.
Good and useful information about the updates
Very useful information 👍🏻
Thank you 😊🙌
Thnx 🎉
Welcome 😊🙌
pls make a video on NPS CRA and NPS Swavalamban as well.....
Plz make fresh video comparison of PPF, NPS and mutual fund. If possible consider tax benefits as per new tax regime.
Thanks in advance
Sure, we will try to cover this in our future videos.
Please make a video on digital & physical silver purchasing. Merits & Demerits & prospects
Sure, we will try to cover this in our future videos.
Nice
Thank you 😊🙌
Yes.
Yes I am investing in NPS
Thank you for the update.
Welcome 😊🙌
Mee too
Which cra is good
@bekifayaati pls tell me Is there Auto & Active both choice are available in Tier 1
मैने फंड मैनेजर बदला था इस साल लेकिन जब स्कीम वाले ड्रॉपडाउन में देखा तो सिर्फ़ एक ही स्कीम उपलब्ध थी जो की फंड मैनेजर के गवर्मेंट (G) वाले फंड में थी
Great Information......Can we please get a video for account opening of NPS with brief understanding and explanation.
ruclips.net/video/R9LpHrVdFWs/видео.htmlsi=RUlOBwhlSOCppxjG
The government keep changing the rules as and how it suits them. So, investing in any financial instrument is a risk.
Take a pause while you complete each point & slow down your reading/speaking speed so that users can understand easily.
Kon sa software use kar rahi ho for editing
It is good to diversify, but don't make this as only source for pension.
Invest for 10 years, with 25% average return money will grow 250% , then remove and put in immediate annuity, dont have to wait till 60 0r 70... but its just an option.... invest invest invest.
Great job 👍
Thank you 😊🙌
60% par bhi income tax laga rahi hai government.......
Recent me railway ke bahut se employee par lagaya hai
Dear
Please speak slowly to understand the audience.
Good job😊
RUclips me option hota hai wahaan se slow kar lo
Keep it up didi
Thank you 😊🙌
In Nps account. What is the maximum amount deposited to withdraw entire amount after retirement and close account.
Dear mam,
I am a aggressive investor and want to invest in NPS by giving 75% equity exposure but as a railway employee system not booked for 75% equity exposure it will already set 50% equity means LC 50.how can I change this equity exposure to 75%.recent my fund is HDFC pension fund tier 1
Same problem I'm facing
Can anyone pls help me knowing - how can I exit from nps account and withdraw full amount ? I found its not useful for me
1st view...
Edit: thanks for 1 k like ❤❤❤
Congratulations..
Hi
As the financial year is ending..plz suggest how to file ITR for govt employee - like which is better...old or new regime
If you have a lot of declaration towards 80C n 80D then it is better to go for old regime.
@@PIXS789 bro 80c is fix Max 1.5 and d .5
ruclips.net/user/shortsdBkj2CYXAas?si=t2K_9cjqoteBJ4GE
Anytime old regime only
🎉
If the total fund value is less than 2 lakh, can we exit at age of 60 to get full amount without annuity, what is maximum limit for full exit without annuity
Video is very informative
Please aap audio thik करो कानो मैं चुभता हैं
Nps me payment ke time upi Qr code wale method ko choose karkr qr code ko scan karke ₹ credit card se pay karne pe charge katega i think nahi katega kisi ko idea hai toh bataye
10000 pe 100 rs lagte hain
Ordinary information
Hey
Good Job
Your voice is 2 sharp and hurts the ears ... My volume is just 50% but still hurts
Do something
I invested 50 k per year from last three year in tier 1 acct as my total value not more than 2 lakh can I withdraw all money from NPS or not????😮
Same qsn , I want to close nps account permanently as I found it waste of investment. How can I exit ?? Rather I could have done tax saving elss mutual fund with above 15% return or any good mf with above 25% return
If ops and nps is optional then im sure all will chose ops
Agniveer & NPS both are issues related to each other. People should understand the possible negative impact of these schemes. Both the schemes must be repealed otherwise agniveer may induct in the others forces only. These two schemes are absolutely wrong schemes for the people of India. OPS is the award to the employees forvtheir selfless continuous service to the nation. Agniveer may temporarily give some earnings to the poor youths , but at the same time it may cause lack of higher educational skills among the youths as they my opt for the Agniveer schmes to get rid of the poverty and have some earnings. So Govt should stop both these schemes immediately.
Govt employees ko bohot Sara options nahi milta ..
Make a video on nps for govt employees only
Why I choose NPS...I have already EPF
Ohh I thought about the electoral bond scheme. Nice retirement to pm
Looser
this was introduced in upa govt..
You don't have lakhs of scam done in upa 10 years and you are worried about electoral bonds done by private firms .
This Shows how low you can go in your life.
@@RakeshM4u😂😂 haaaha!
U are lol! U r just put a big dung glass on ur eye 👀!
Please explain electoral bonds.
We will try to cover this in our future videos.
Dhruv rathee ka video Aya hai Electoral bond pe tab Tak wo dekhlo
Can a government employee change his scheme.
7-8% return pe,kya hi pension milega wo bhi 40 % annuity pe....
NPS vs EPS vs EPF vs PPF
I invest in nps and this year good returns hdfc pfm 31%
Mere NPS Account main total ₹ 6 lakh hain . Mujhe is video main kuch bhi samajh nahi aaya . Kaise invest Karu , kisme invest Karu . Annuity ,NAV kya hain ei sab
ruclips.net/video/R9LpHrVdFWs/видео.htmlsi=8Sx6IrVQP1uERubA
You can refer to this video for more information.
আমার NPS আপ দেখতে পারছি TIRED 1 HOLDING 0. মানে বুঝতে পারলাম না
The old pension scheme is far, far better than this.
Maam... Mera govt job laga hai... To mera pehle se ek NPS hai Karvy K FINTECH me.... Maam mere NPS account ka 5 years complete hone wala hai... To agar mai Pre mature exit kar lu to naya NPS khol sakta hu na NSDL me?
Na
Please sister make video Auto sweep faciality please
Should I invest in nps or just stick to mutual funds n stocks? ??
If u r young go with mutual funds but invest a small amount in nps too
If y r aged reverse this
Active choice is not available to government employees
Why NPS gave just 8% return in 10yrs but SIP gave 35% in 3yrs..why so? This way NPS is useless
I watched your few videos, but the story line is not so good and the intent of watching these video's does not fulfill. If possible, try improving this story line. No able to connect well and gain some clarity.
Take this as a feedback , just shared what I felt
How to make partial withdrawal i am tier 1 subscriber please make a video on it
We will try to cover this in our future videos.
Nps accountant mat khul na, kyuki a bekar ha,Isha acha to mutual fund me invest kro,me NPS istemal korka pasta raha ho
How much return expected?? In tier 1??
6-8%
The worse part is 60 ka age..f
Why will they decide my retirement age..
I want to retire at 50 toh kya?
Kr skte pre exit withdrawal
@@Harikrishnahareram200 partial na?
Full exit nahi kr sakte as far as I know.
*Nps same day nav time should change as mutual funds*
How to start SIP for NPS
ruclips.net/video/R9LpHrVdFWs/видео.htmlsi=mqpzysEmtPM98Ok6
Nps me voluntary retirement hosakta hai kya....
Ha bataya toh hai is video mein
Are you TAX EFFICIENT?
या तो आप पूरी हिंदी बोल लीजिए, या फिर आप पूरी इंग्लिश ही बोल लीजिए।
NPS calculator?
Resign kar diya bank job se 12 lacshai nps ,kaise nikalega batao
Nikalna kyu hai take your pran number invest yourself. And make it big for retirement
पहिले इंग्लिश मे बोली, फिर same meri tarah Hindi me aayi😂
1 lakh niklwane ke liye 1.5 lakh ki registration karwana padega
Nps for government employees is the biggest scam😢
Ops chaiye
Inam a middle class private job holder and I will never Vote for BJP as it is squeezing middle class people with hefty taxes and restrictions on investments and no benefit for us.
Mutual fund much better
9.13% return h after 14,15 years
Return depends on your exposure to Equity, Gov bond and Corporate Bond.
If you are government employee then there is restrictions on how much you can invest in equity.
But if you are in private sector then easily you can invest upto 75% in Equity.
Btw, I am getting 15% XIIR return in last 8 years investment by exposing my allocation in Equity to 75%.
@@shettigarrammohan2201 which fund manager is choosen for equity in active mode or auto mode ???
Please microphone change krlo, awaz itni fatt rhi h
Why are you shouting?
NPS VS APY kindly explain ?
We will try to cover this in our future videos.
Will be waiting ?@@bekifaayati
Ye sab pta hai
We want ops. NPS go back.
Only ops
Only ops🎉
We want ops. Old is gold
Modi ka photo q ??
Nps bekar hai one gets lowest returns
Aapaki information aapaka channel aapaka content sab top level ka hai per aapaki editing bahot kharab hai pranjal or LLA ki editing jis level ki hai vaise honi chahiye Aapaki video dekhkar trust ki feeling nahi aati because your editing proper ak setup hona chaiye background aise lagata hai kisi mobile se edit Kiya hai
Thank you for the feedback. We will try to improve
Ops only
Ops
Her voice sometimes become noise...
Ya to Hindi bole ya to English bole😅😅
थोड़ा आसान भाषा में हो सकता है क्या और हिंदी में। दिमाग के ऊपर नीचे दाएं बाएं जहां तहां से निकल गया
Useless schemes don’t invest
Agree with you
Bakwas mat karo logo ko buddhu bna rhi hai pakka kendra se bola gya hoga
NPS कि popularity😅 . कोई नही चाहता है NPS क्यो बकलोली कर रही हो.
Nps bekar investment hai
It's good only for tax saving purposes
It has long lock in period
30% tax pay kar rahe ho toh
Imagine it like you are getting 30% cheaper shares
It's only for the people who want to invest for Pension only ..with some tax advantages..
Good investment
Babaji ka aaloo NPS
अरे मेडम आप hindi भी to बोल सकते हैं इतनी मिक्स वेज क्यों डाल रहे हो खिचड़ी बना दिए हो अपने आप को या to इंग्लिश बोलो या हिंदी धन्यवाद 🙏
Fake subscribers
NPS not good and please shutdown your you tube channel as you said in earlier videos you will not come back again on you tube