5 High Profit, Tax Free Government Investing Options! | Ankur Warikoo Hindi
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- Опубликовано: 30 авг 2023
- This video comes with notes. Check here: bit.ly/3ORQehN
Discover the magic of government-backed investing options. In this video, I break down 5 robust and reliable investment avenues backed by the government, tailor-made for every age group. Whether you're just starting or are looking to diversify your portfolio, these options promise stability and impressive returns. Remember, prudent investing is about balancing growth with security.
#GovernmentInvestments #FinancialWisdom #warikoo
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Some more schemes listed below:
1. MAHILA SAMMAN SAVING CERTIFICATE (MSSC) - 2 years scheme offering 7.5% per annum (thanks @shivamgohil8359 )
2. Pradhan mantri vaya vandan yojna - 8.2% per annum, 15 L max (thanks @niteshagarwal6465)
3.
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What is the value of 1 ruppee ?
just stop press: Pradhan Mantri Vaya Vandana is closed for subscription. PMVVY is not valid although it was a good scheme!
SSY OR MUTUAL FUND FOR 21 YEARS TENURE ? PLS MAKE VIDEO
One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $30k of my savings in stocks this year, and I hope I make profits.
You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
I really want to get in with a financial advisor this year, especially as all markets are hitting highs. I don't want to be too optimistic and end up losing everything.
Sharon Lee Peoples has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@CharlesBenjamin-q That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@claircourtway My advisor is Victoria Carmen Santaella;
You can look her up online
Nah I Can't say I can relate, Victoria Carmen Santaella charge is one-off and pretty reasonable when compared to what I benefit in returns.
00:01 - For Senior Citizens
00:22 - Senior Citizens Saving Scheme
01:38 - For Girls
01:51 - Sukanya Samriddhi Yojana
03:11 - For Working Professionals
03:23 - National Saving Certificate
04:08 - Public Provident Fund
05:56 - Young Professionals
06:16 - National Pension Scheme
09:23 - Sovereign Gold Bonds
Thanks Ankur ❤
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Thank you for this amazing tip. I just looked the name up and wrote her.
Sir I have seen all kinds of financial videos on RUclips but nothing to beat you!!! My mom and mother in law are 80 year old. They were listening to your video with so much interest that I was amazed, they seemed to have understood the financial basis first time in their life. Hats off to you… you explain in such simple terms, I am a corporate professional over 50 years of age but honestly most financial fundas are becoming clear only now. I will not let my daughter make the mistakes that I made. Thanks for this wonderful education. I wish I had seen your videos 20 years ago!
Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%, but what could be my safest buys with $400k to outperform the market in 2024?
I would avoid the index funds, mutual funds, or specific stocks for the time being. 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows signs of recovery or better still consult an advisor
Generally speaking, woking with an advisor can be beneficial acquiring wealth gains in form of dividends, digital assets, etc, and over time will provide more returns. Thankfully, I can attest to the success of this approach seeing my portfolio of $330k grow by 25% in this bull run
@janbechler9618 this is interesting! the bull rally seems a good time to invest, never invested in the stock market before but quite enthused about it, would obviously need some guide as a total newb... mind if I look up your advisor please?
I have been working with 'Monica Selena Park,' and the beauty of it is her expertise extends to various aspects of financial advisory. She has skillfully constructed a diversified portfolio for me including digital assets, i have amassed 7 figures earnings, capable of withstanding inflation and market changes. I'd suggest you research her further on your browser, sure you'll find her basic info.
Love your content, ordered both the books immediately. Please keep your content regarding financial awareness going, people need it more than ever.
Thank you Ankur, this is really helpful... Looking forward for many such videos
Very informative. The way you have explained and compared every scheme is incredible
The best part of video is, it started on the 1st second without saying introduction of his video.
Sir thakful for your always better information , I am very fan of u and forsooth watch your videos
You should have also included the Tax benefit of NPS apart of 50k if someone’s employer has the option of adding 10% of their basic towards NPS. This can be over and above of that 50k of 80ccd.
Sir, your channel gives me a vibe of happy learning 🎉
Sir your channel is a truly gold mine of knowledge ❤
Hello. Your plethora of knowledge is helping me alot to start my investment journey. It's amazing to know about such trustable investment options. Could you please tell me which of these schemes are available for NRI's?
Thank you so much
The real person to whom we can actually trust !!
Don't trust anyone do your research, take all the information as guidance only.
@@SURESHPOJARI absolutely I agree
Khud ka dimag nhi h kya tere paas ?
Yeah always research,and i can't point out, but there's some info presented in faulty manner in some videos
he is person who will never lie on you guys pls don't get into misunderstanding 😊
I guess after a long time you have come up with a little different topic .. liked it sir..
I have been watching you for 2 years . A few times your video and content are very knowledgeable and informative but I am looking for a day when you will make such videos which are not made by anyone before you and that video can help one in here and now. Rest you are a good personality with convincing sound and appearance.
Noted
1:03 Hi Ankur, Small correction. Penalty for SCSS shall be 1.5% if it is after 1 year but 1% if it is after 2 years. Also, penalty is levied on only the deposited amount and not the entire corpus.
that's what I thought, penalty on the entire corpus would be insane. thnx for clarification
I began my investment journey at the age of 33, primarily through hard work and dedication. I am to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $500k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
wow that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
Do you mind sharing info on the adviser who assisted you? I’m 40 now and would love to grow my stock portfolio and plan my retirement.
I was so waiting for this video...
This came very late almost after 2 yrs i would say.
This topic was very much searched by me on various channel
Thanks sir for valuable information
Thankyou ankur. Very useful. God bless
Hello sir..
Sir sukanya samridhi and *sip*investment dono me vest kaun sa rahega
Hello Ankur Sir, can you please do a separate vedio for NPS and NSC in how about start investing in them or share any reference link that can help me
Dear Sir,
Another great and informative video! You have done brilliant job briefly explaining benefits and suitability of the government schemes for all kinds of working class. I think, it would have been better if you could clearly mention that 2.5% of additional interest in case of SGB is on the initial amount invested from us :) Or correct me if I am wrong here.
It wud have helped,if you cud have added:
1.for each of the scheme a simple table which shows taxability ,period,interest compounding frequency,min/max amt of investment for each scheme
2.another table showing say maturity amount if you invest the max amount at current rates..say for SCSS...the full maturity amount is calculated upfront but can be paid qtrly ,half yearly,etc..
3.showing a calculation for ppf for say 15,20,30,40,50 yrs
Sir ...15/20 lakh lumpsum amount hei ..kaha invest karna sahi hoga...q k monthly basis mei income v chaiye..mis fd mei toh paisa kam ho jata hei..toh kaha invest karu? Monthly basis mei 15 lakh se income ana chaiye nhi toh invst toh digi gold mei v kar sakte hei ..pls make vdo on this topic
Good vid Ankur.
Feel lucky my decision was right in investing in SCSS for my mom.
"Your RUclips channel has truly been a beacon of financial knowledge and insight. Your clear explanations and engaging teaching style make complex financial concepts easy to understand. Thank you for sharing your expertise and helping your viewers become more financially savvy!" appreciate for your hard work Wariko Sir
ghanta
Wow, thank you!
@@warikoo reply my comment too Mr Warikoo 😀
Eye opener , i was not aware of nps
Where is 13% return as per thumbnail
This is how they lie and make you to see their RUclips. You can complain to you tube.
Nsc received at the time of maturity is exempt, you have to pay tax at slab rate of yearly interest you accrued on nsc interest. You can also claim 80c each year on interest amount you accrued on nsc.
So only last year,ie 5th years interest is taxable
Can we increase or buy more units yearly within 8 years in SGB? Or it’s a fix unit every year?? Please help
Is it possible to or / and better to convert the epf money to nps for some one nearing 60 and already retired. Kindly advise.
Sir please make a separate video for annuity deposit scheme and what will be there terms and conditions.
Hello ankur U r super genious Please help me Is the sukanya yojna aaplicable in
Poor backward villages ?
lets say people say that the equity market is all-time high currently and market may be little down due to it..... and you have some shares / invested value somewhere around 50 thousand, how will you flow this money of shares? by removing all and putting it in five year ppf or remove some and putting in ppf or fd or something else? please advise. By the way, i am your big fan... hope to meet you somewhere to say Hello :) Thanks in Advance - Aditya Prabhu
In your plan suggestions, why do you not recommend lic best plan's, which are more beneficial than many others.
Very nice and informative video for all generations
Nice brief about savings .
Useful information thank you ji 🙏
Thank you so much sir
Sir please suggest how much amount a working professional should invest in NPS . 50K or 2lkh for max tax benefit and considering all other risks
Absolutely true what u said at the end
Really helpful content for people of all age
Hi Ankur, how will all these schemes change for an NRI and OCI citizen category?
First comment 😁 please reply Sir and Thank you soo much for such informative information 🙂❤
Appreciate your dedication and consistency ❤
Always!
@@warikooWhy can't one buy all ( in bullion form ) gold if they want to have a return of 8-10%? The would not be any lovkin period in that case?
The confidence this man has even when he fumbles is crazy. Does not even hesitate to move forward 🙏🏻🙏🏻
Appreciate your Efforts !
Thanks for this video, Sir. A feedback I'd like to give is that there are FDs which are even offering 9.5% Interest. Even Banks like HDFC are offering 8% to Senior citizens. So you would need to update your knowledge on this.
HDFC Bank is offering Max 7.75% for 55 months for senior citizens.
Finch's presence in 4ra ads is huge, bro. It shows they care about quality and sports expertise. 🌟
from where to buy soverign gold bonds
Inexpensive:- solimo stainless steel water bottle
expensive:- APC back- UPS power backup
Nice information
Hi, Can i Buy a Stock and Sell It in the Same Day? if yes please tell me how?
Sir.. can you make a video about SGB in detail I mean how to buy them directly via government
Please suggest safe investment for senior citizens for monthly passive income
I really appreciate your hard work sir very dedicated and informative video
Really helpful video 🙏
I am really looking for a video which helps step by step guidance for creating NPS account and investing the same
You studied so much. Very knowledgeable video.
Hi Ankur. i like ur content; may be it will be good that u include further 2 schemes: RBI floating rate bonds @ 8.2% NOW & SBI Sarvottam non-callable FD@7.9% for 2 years.......... I find thee schemes to be good as well from current perspective. you may also suggest that for SCSS, RBI floating rate bonds & SGB, the banks linked to these should be flexi-natured so that the quarterly/semi-annual interests accrued are swept to 1 year FDs in these flexi (sweep) accounts. this shall increase the yield! my few cents. Ciao!
Hi, one more scheme is available for senior citizen that is Pradhan mantri vaya vandan yojna ( by LIC) @ interest rate 8.2%, 15 lacs maximum can invest.
Brilliant. Thanks for adding
I think interest rate in Pradhan mantri vaya Vandana yojana is 7.4% and not 8.2%
@@aruntyagi9669 yes, u are right.
Nice video Thank You
कोर्ट से हमे जो MOTOR ACCIDENT CLAIM मिलता हैं l
अगर 2 ,3 साल या ज्यादा period के बाद हमें वो पैसे मिलते हैं क्या उस्के interest पे insurance company TDS कटती हैं l
क्या ये सही हैं ?
Sir, LLA sir ne Jo FD pr video bnaya h vo ek bar aap bhi explain kr dijiye.
Hi Ankur, can you make some video for savings for around 50 years for retirement. Thanks
How I can save tax accrue on scss by investing same int in ppf every quarter. Tell me which is better to save tax by transfer funds to son who invest in fd or invest myself in scss. Make video on such sub
Very good & educative inf
Do we need to have dmat account for sgb? Or can buy from bank directly?
Totally man, 4ra events made us feel like a big family We enjoy every match together.
Hi from where can I get epf calculator, my epf gets deducted and I also invest in VPF.
Warikoo- one who's video starts right at 00:00
wish more youtubers did the same :)
Please tell about investments of age 45-50 year people. Specially NRI people🙏
please suggest some secure investment for business persons, we r not backed up by government or anything else, jab tk kaam kr rahe tbhi tk earnings hai, no kaam = no earnings + we r dealing with unregulated & very high competitions thats y many needs to wind up their business
Well explained 👌
Nice options Sir. Missed EPF extention - VPF?
sir kindly suggest few scheme for students should enroll at young age .
I love how at the end of the video Ankur's twin, Ankur Waricool (because the hairstyle is cooler), appears and plugs his brother's books :)
I opened nps account through yono SBI app , after completion I received pran number , but when I tried to contribute money I was not able to login and received popup msg stating pran not found in database...can you help me out with this solution
Sir, can you also give some suggestions for govt. employees as for them investing in stocks is prohibited..?
Sir plz make a video for government employees. Jinke liye pention already hai and PF bhe already hai for post retirement. Besides that where else should they invest.
Post office
@@anweshamandal6058 i won't mind if you explain a bit more
Sir please discuss about investment in crupro index fund in detail
Hi Ankur, good video! Just like you shared SSY for girl child, can you please suggest best scheme for boy child which parents start now & can get good return when boy will be at the age of 18 years?
PPF could be considered
PPF + Mutual Funds.
Good info
What is difference btw Tax saving FD and NSC?
If I bought from secondary market this 2.5% interest and maturity period how will work.
Govt. Issue karne k Baad SGB Market se kharidne se uspe kya tax lagta hai ... Please reply ...
In my opinion 3 most important investment are 1. Term plan 2. Health plan 3. Pension plan... Pls 1st do invest in these 3 plans and then try to invest in other funds as per ur goal
How much you invested
@@therakeshkumarrathore I am 32 now..as i have started investment in term plan at very early age when i was 23 years old i am giving premium of only 5.5k annually against 80 lakh coverage, then in health plan i hv to invest 12.7k annually against 5 lakh coverage, and contributing 15% of my salary in NPS...😊
Utkarsh SF bank 9.10% ki FD de raha h
Shriram finance: 8.78% FD
Shivalik SF bank and Bajaj Finance: 8.60% FD
Ye sab fraud h kya??
Plz help inmein invest karna chahiye ya nahi
Please make a video on SGB buying in the demat account
80C ka tax benift to Elss me miljayega phr NSC me jo dalre he uspe bhi tax lagega na?
From where can we apply for these schemes?
Can I invest on behalf of my parents for SCSS ?
Sir aap ppf ke bare me acche se brief kr dijiye n plese
Atal Pension Yojana APY , is also a good scheme for low income category household. You could have mentioned that as well