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.
@@temmyolarewaju9371 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
@@temmyolarewaju9371 The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
What a wonderful Video. Got COMPLETE Clarity on all aspects of NPS. Hi Mukul - the more I watch your videos the more knowledgeable I become. Blessings to you.
What is better. 1 . Invest in Nps tier 1. 2. Invest in mutual funds, do a swp after 60 for regular income. 3. Do NPS , after 60 invest lumsum in a mutual fund for SWP plan, also get annuity from NPS. 4. INVEST only in mutual funds, do a hybrid funds after 60.
It's upto "how much disciplined you are". If you consider yourself very disciplined, then go for option 4. Otherwise, Option 3 is best for most people.
@@xordux7 most of people don't continue sip in mf i think 95-99% so i suggest option 4 is the best i am very discipline, 3 year ago i select option 3, but now i realised option 4 is much better
Absolutely. NPS provides various investment choices ranging from equity to fixed income instruments. Diversifying your NPS portfolio based on risk tolerance and investment goals is key.
I've been considering NPS as part of my retirement planning. How does investing in NPS compare to other retirement savings vehicles like the 401(k) or IRA?
You should contribute to your retirement diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online broker/ planner
Investing in NPS offers unique advantages like tax benefits and the option to choose between different fund managers and investment options. It's essential to weigh these factors against other retirement savings avenues.
This is huge! would love to grow my reserve regardless of the economy situation, my 407k has lost everything accrued since early 2019, at this point, i'm in need of guidance, can you point me?
Don't you think , on maturity our 40 percent corpus is stuck with low yeild (5.5% to 6% ) annuity schemes ? I think this restriction should be immediately removed by government and the investor should have a choice to invest their corpus as per their liking , Please share your views on this aspect . Is there any solution to this aspect ?
Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I definitely share your sentiment about these firms. Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
two points are missed: it is not mandatory to make a contribution even in tier-1 premature withdawl is after 5yr. We can take out full amount if portfolio is less than 2.5l
What a video. And this will be game changer for Indian because interest earned is not taxable. Thank you for these information, far more useful that crappy entertainment channels ❤❤❤
Dear Mukul, Nice video on NPS Teir 1, covered all aspects in detail. I would like to suggest you do a video on NPS Teir 2, it's features, pros and cons, taxation etc compared to Mutual funds. Thanks
@@cajatinaswani609 Thanks for the reply! further to it, 80CCD(2) will be part of the CTC? and is it addition to tax exempt under 80C (1.5L+50K[80CCD(1)])?
I hope you will help and guide me since I could not find the answer anywhere! I resigned from my central govt. Job, after 7 years of service. My questions are: 1. When and How can I withdraw my deposit from my NPS account? Is it somehow related to approval (required) from the organization I resigned from, or do I have the autonomy? 2. If I do not wish to close this account, can I continue depositing? What would the process of withdrawal be, say, after 10 years?
A failing U.S. economy and elevated global tensions reduce the likelihood of prolonged inflation or higher long-term Treasury yields. I've seen folks amass up to $1m amid crisis, and even pull it off easily in a favorable economy. Unequivocally, the bubble/collapse is getting somebody somewhere rich
I do not disagree, there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors I speak from experience.
True, I’m quite lucky exposed to personal finance at early age, started full time job 19, purchased first home 28, got laid-off work at 36 amid covid-outbreak, and at once consulted a well-qualified advisor to stay afloat. Thankfully, my portfolio has maintained steady growth ever since, amassing nearly $1m after subsequent investments to date.
Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Government employees are not allowed to opt for active choice. Only auto choice is allowed to them. And agressive choice is not allowed to govt employees in auto choice option.
@@sagarshashank8099 wo auto choice hai .. active choice mein aap apni marzi se percentage choose kar sakte ho .. main government employee hun aur mujhe allowed nahi hai .. maine customer care se bhi baat ki thi iske liye
@@Udaan0007 XIRR takes into account the exact timing and amount of each cash flow, making it a more accurate representation of the true returns of a SIP. CAGR, on the other hand, assumes a constant rate of return over the entire investment period, which may not accurately reflect the returns of a SIP. Both are almost same if not exactly same.
One question: If let's say we have an active choice (75 equity, 15,10), and invest 100 rupees into Tier 1. After 1 year, assuming 40% growth in equity, and 10 % in the other two asset classes, the total value of trh fund would b 75x 1.4 + 25 x 1.1 = 132.5. Will this total sum be readusted to be 75, 15, 10 again, or will they grow parallely?
@@charanthebond2 you want to choose active choice. So all comand is your in hand. It will not change untill to change Your last setting will be continued untill change
Thank you soo much from bottom my heart Sir.. Really you know exactly what we want learn.. I just wanted to know what is nps and how its work.. The way you explain no one else can explain.. I saw others video also.. But yours is simpe easy to understand and fill with soo much knowledge thank you so much one again.
Sir, kindly make a short video of the tax effects on Tier 2 account with different assets classes, this information will be very beneficial to many investors.
1:01 ARMY NAVY OR Air Force OPS he. Other Force Or CG Service Ko NPS Me 2004 ke Baad vale Retirement Ke Baad 7k to 8k pension Milti he. OPS is Better for CG services.
Abhi es Video ke mutabik agar aap kucha paisa maturity se pehle nikalte bhi hai tab bhi apna paisa jo hamne jama kiya hai usi ka hi 25% mil raha hai govt kaha de raha hai apne hisse mai se to ky accha hua ease jyada to pod se nikal sakte hai or fix bhi hota hai
NPS की कोई भी कैलकुलेशन करो, वो रिटायरमेंट के बाद पुरानी पेंशन वाले के 10% जितना भी पेंशन भी नहीं पाएगा। हां, भजन कर के स्वर्ग जरूर जा सकता है, और स्वर्ग के सामने पेंशन क्या चीज है!
Sir, NPS me yadi suppose hum kuch hi saal invest kre to.....vo pese hame milege bad me yaa loss ho jayege...I mean isme kuch rules to nhi ki itni saal invest Krna must h. . Hum kitne v saal invest krke , band kr sakte h? . Baki sab, Video me to sab kuch ache se samjh aa gya Thank you so much!
Sir ppf is better than nps for interest mutual funds are there ? For retirement Nps ka average return kya hai 9% fixed milega 9 to 11% for conservative plan
@@kaustubh3084 ppf return is 7.21 Nps default scheme return 9 to 9.5 Nps lc 25 return 10.5 to 11 Nps lc 50 return 11.5 to 12.5. Consistent since 5years. But it badluck more than 70%employee still in default option. Wake up and make handsome corpus with good PFM
nps tier 2 may accha return milega or utena paisa Mutual fund may invest Kare to aacha benefit milega....aur aap kya suggest karoge sir.. For retirement planning...
Hello good explanation. Question - I understand under the new tax regime I do not get the 80C deduction but can I still invest in NPS upto 1.5 lacs so the interest earned is at least tax free at withdrawal? Same question with other deductions like 80CCD upto Rs 50K? Thanks.
Very well explained Mukul ji. I am 38 years old and did not opt for it for more liquidity of funds to invest in MFs than NPS. Now I would like to know is there any calculator to check investment if I only opt for Employers contributions as per new tax regime. ? Thanks in advance 👍🏼
Bro, You forgot to mention about the recent changes like *SWP* (from 60years to 75years). SWP makes NPS very attractive. Kindly do include this on your next video on NPS.
सबसे आसान सवाल..... NPS इतनी अच्छी स्कीम है तो सांसद, विधायक और आर्मी,नेव्ही, एयरफोर्स सभी को NPS लागू करदो। One Nation one Pension.. अपने आप सबकी गलत फहमी दुर हो जाएगी।
Hello Mukul Sir, Thank you so much for your consistent effort to make this clear video on NPS. 🙂 However, I've a doubt on Tax part: 80 CCD (1B), 80 CCD (2) - Do you mean both can be declared at same time ? If so, could you plz enlighten a little bit more...
Good information about NPS, i would say all things covered in this video. I have one question regarding tax benefits, For example, If i added 50,000 in my NPS account then i know i can show this 50,000 in my tax declaration but can i withdraw whenever i require it after 3 years Lock-in period ? It will be helpful for me if anyone can answer this question.
• Myself (49 yrs) planning to INVEST in NPS scheme MINIMUM - ₹ 50K/... • However, TIER-1 A/c is ALLOWING MAX : ₹49K/ ONLY, and TIER-2 : ₹ 1,000/ !!! • Initially can I INVEST : ₹49K/ in TIER-1, and ₹ 1,000/ in TIER-2 !!!?? • Later on (WITHIN 31ST MARCH), can I INVEST a FURTHER ₹1,000/ in TIER-1 (so as to be LIABLE for TAX EXEMPTION of ₹ 50,000/ [ U/S 80CCD ]) !!!??? Hoping to hear from your end ASAP Sir
NPS has recently allowed the government employees to change their existing Fund Manager and fund House Kindly guide me for choosing the best Fund House and Fund Manager.
hi Mukul ji, You explained the scheme very well in short. Just one query, actually my other investments already met the 1.5 lack cap. So, if I invest just 50,000 in NPS, whether shall I get any benefits under sec 80CCD(1B)
My question is related to 40% conversion in to Annuity. Monthly receipt of Annuity is taxed @ tax slab of the assessee. Now if instead of investing in NPS if investment is done in Mutual fund and withdrawal is done through Systemic Withdrawl Plan on monthly basis then what would be the tax implication. I guess we will get the benefit of Indexation and income will be treated as Capital Gain with lower tax outflow. From that perspective also Mutual Fund is a better option. I understand 60% of corpus is tax free at the time of withdrawl and only 40% is taxable. But comparing capital gain vs regular tax slab which one is the better option from overall perspective - MF or NPS. Plz pick my question
Thank you for the informative video. Can you please explain how one should proceed if he had a NPS tier 1 account for 10 yrs but now settled overseas and no plans to return back. Can he withdraw the money? If yes then how much and what’s the process? Thank you kindly
Sir ek question hai ki jo log SIP karte hai kisi bhi platform ke through aur jis mutual fund me karte hai agar in dono koi default kar jaaye ya kisi wajh se koi problem ho jaaye to kya humara paisa safe hai ??
Hi Mukul and Team, thank you for making such a great video, it really helps to understand NPS better. However I have several questions regarding the extension of NPS from age 60 to 75. 1. Do I need to provide the extension age upfront. For e.g. when I reach age 60, I know that I want to extend the NPS for another 5 years, so i extend it to age 65. Then when I reach age 65 can I again extend it one more time. How many such times can I extend. 2. Once I extend the NPS at age 60 to say till age 70, will all the amount from the beginning continue to earn interest and accrue till age 70 or I will have to withdraw the portion till age 60 (with annuity pension) and the additional money I contribute from age 60 gets continued till age 70. Or is it that the lump sum can continue from the beginning but the annuity portion has to be taken at age 60? This is a very important question for me. 3. When should I let NPS know that I want to extend beyond age 60. Is it when I am 59 years old or earlier ? Kindly answer these questions. Thank you again for your time and effort.
Please cleaify below points In 80C apart from pension we also get expemtion on HL Principal and ELSS.and LIC investment suppose someone has fully utilised 80c without nps contribution and now he is willing to contribute on NPS. Shall he get additional tax benefits and if yes how much and which head Am taking about old regime
What about the tire2 of NPS investment, and it's withdrawal policy? Can I withdraw the total amount and what about the tax liabilities for tire 2 maturity amount.
If market dependent pension is only option then govt should provide it to every citizen by allowing them to invest for long time and make it tax free upto annual income tax exemption limit. Atleast people will have their choice to select schemes and proportion of investment.
Hi please cover taxation of tier 2 a/c. Especially the treatment of 2 cases. Short term and long term CG in withdrawal and also tax liability in case of PFM changes in middle of year meaning change of % allocation.. we usually do not get any CG statement from NPS site as we get from CAMS or MF .Thanks
Can you please explain options for government employees? As we are bound to invest in only 3 pension funds ,SBI,LIC and UTI for active option also, which invest in govt. bonds mostly, can you make a video in detail and explain what will be best option for central government employees?
In my dashboard I can invest in only G category of auto choice & in active, I have only two schemes moderate and conservative.. Govt employees pr limitations h I think
Plz also talk about fund growth. In pf every year interest amount adds to principal likewise how it happens in NPS. For example if my NPS value is 5lac at present then it will not come down rather it will increase. Plz cover this point
Sir, NPS Tier 2 has no any tax benefits but kindly clarify the tax mechanism that applies in Tier 2, as I am investing in Tier 2 account with 100% equity, what will be the tax effect..
Sir, I have a question. At the time of maturity, 40% goes to Annuity buying. Now, let's say, we plan to opt for SWP for the rest of the lumpsum amount also, for example like 6% of the amount annually, so will that lumpsum keep growing as per market just like any mutual fund? I mean to say that the lump sum amount won't remain same right? It should keep increasing and decreasing as per the market?
Sir aapne bataya 60% to withdrawal ho jata hai...BT 40% baki bache hamarai family ya children ko mil sakte hain...agr Haan to isme konsa plan select karna hai
Thanks sir. It was informative. I have a doubt. Every website is saying "You can save tax upto Rs. 46,800 per year by investing in ELSS funds if you invest Rs 1,50,000" But I'm not understanding. Can you please make a video with some practical calculations.
You have mentioned there are fund managers. What happens if some manager (e.g HDFC) has shut down due to market OR bankrupt in between due to some reason ? From where we can collect money then ?
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sir kya govt employee ko fund ko khud se manage krna chahiye ya fir jis trh se govt chla rhi h whi thik h
VRS pr NPS ka kya effect hota hai?
and VRS pr pura corpus milta hai yaa employee ka hi part milta hai??
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.
@@temmyolarewaju9371 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
@@FernandoBowen-78 My advisor is VICTORIA CARMEN SANTAELLA;
You can look her up online
@@temmyolarewaju9371 The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
What a wonderful Video. Got COMPLETE Clarity on all aspects of NPS. Hi Mukul - the more I watch your videos the more knowledgeable I become. Blessings to you.
What is better.
1 . Invest in Nps tier 1.
2. Invest in mutual funds, do a swp after 60 for regular income.
3. Do NPS , after 60 invest lumsum in a mutual fund for SWP plan, also get annuity from NPS.
4. INVEST only in mutual funds, do a hybrid funds after 60.
3rd
Do proper analysis, calculation based on inflation rate also have an
important role then take decisions, everyone forgets that part.
Increase your baskets. Don't rely only on MF and nps.
It's upto "how much disciplined you are". If you consider yourself very disciplined, then go for option 4. Otherwise, Option 3 is best for most people.
@@xordux7
most of people don't continue sip in mf i think 95-99%
so i suggest option 4 is the best
i am very discipline,
3 year ago i select option 3,
but now i realised option 4 is much better
One of the best video on NPS till date. Simple language, top class presentation, detail information. God bless you.
But NPS is not at all good if you are a pvt employee. Annuity scheme is insurance scheme with 4-6% returns(which will be reduced after some years)
Max life provides Annuity above 7%
sir me aapka koi bhi video miss nahi karta aur muje value milti hai thank you so much sir
Best scheme of govt for private sector.
Very less promoted.Thank you sir for this explanation 🙏
There are reasons for that.
आपने बहुत अचछे से समझाया है इसके लिए धन्यवाद मेरा प्रश्न है की एक्टिव चॉइस में एन्युटी purchase कैसे होगा
Sir aapka jabab nahi. Bahut acche se explain krte ho
Investing within the NPS framework is crucial for maximizing returns and securing a comfortable retirement.
Absolutely. NPS provides various investment choices ranging from equity to fixed income instruments. Diversifying your NPS portfolio based on risk tolerance and investment goals is key.
I've been considering NPS as part of my retirement planning. How does investing in NPS compare to other retirement savings vehicles like the 401(k) or IRA?
You should contribute to your retirement diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online broker/ planner
Investing in NPS offers unique advantages like tax benefits and the option to choose between different fund managers and investment options. It's essential to weigh these factors against other retirement savings avenues.
This is huge! would love to grow my reserve regardless of the economy situation, my 407k has lost everything accrued since early 2019, at this point, i'm in need of guidance, can you point me?
Don't you think , on maturity our 40 percent corpus is stuck with low yeild (5.5% to 6% ) annuity schemes ? I think this restriction should be immediately removed by government and the investor should have a choice to invest their corpus as per their liking , Please share your views on this aspect . Is there any solution to this aspect ?
Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I definitely share your sentiment about these firms. Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
two points are missed:
it is not mandatory to make a contribution even in tier-1
premature withdawl is after 5yr. We can take out full amount if portfolio is less than 2.5l
You are a very good Mentor and I really learnt a lot of new things by you...
Thank you very much sir
Your efforts made me financially litterate... always grateful to you.
आपने बहुत अच्छे ढंग से समझाया 😊
Thanks a lot for providing us In depth info regarding NPS. 🙏🙌
What a video. And this will be game changer for Indian because interest earned is not taxable. Thank you for these information, far more useful that crappy entertainment channels ❤❤❤
Dear Mukul,
Nice video on NPS Teir 1, covered all aspects in detail.
I would like to suggest you do a video on NPS Teir 2, it's features, pros and cons, taxation etc compared to Mutual funds.
Thanks
There is no point investing in tier 2 . Better products available in mutual funds. No tax exemption also
Fully satisfied video on NPS.
Thanks sir
So nice of you
फिनटेक nps खाते से पैसा निकालने और खाता बंद करने की प्रक्रिया पर विडियो बनाये
Sir, please suggest some good corporate or government bonds which can give us 9-10% return yearly
This is one of the better videos I came across regarding NPS. Good work.
Can you please explain 80CCD(1), 80CCD(1B) and 80CCD(2) section in detail?
80CCD(1) is Employee Deduction from Salary, 1B is additional voluntary by employee itself , Seb section 2 is Contribution by employer
@@cajatinaswani609 Thanks for the reply! further to it, 80CCD(2) will be part of the CTC? and is it addition to tax exempt under 80C (1.5L+50K[80CCD(1)])?
I hope you will help and guide me since I could not find the answer anywhere! I resigned from my central govt. Job, after 7 years of service. My questions are: 1. When and How can I withdraw my deposit from my NPS account? Is it somehow related to approval (required) from the organization I resigned from, or do I have the autonomy? 2. If I do not wish to close this account, can I continue depositing? What would the process of withdrawal be, say, after 10 years?
A failing U.S. economy and elevated global tensions reduce the likelihood of prolonged inflation or higher long-term Treasury yields. I've seen folks amass up to $1m amid crisis, and even pull it off easily in a favorable economy. Unequivocally, the bubble/collapse is getting somebody somewhere rich
I do not disagree, there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors I speak from experience.
True, I’m quite lucky exposed to personal finance at early age, started full time job 19, purchased first home 28, got laid-off work at 36 amid covid-outbreak, and at once consulted a well-qualified advisor to stay afloat. Thankfully, my portfolio has maintained steady growth ever since, amassing nearly $1m after subsequent investments to date.
Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Government employees are not allowed to opt for active choice. Only auto choice is allowed to them. And agressive choice is not allowed to govt employees in auto choice option.
Active choice allowed h bt usme only G category h
active choice allowed h....even according to different schemes like LC25, LC50, percentage share to equity we can choose.
@@sagarshashank8099 wo auto choice hai .. active choice mein aap apni marzi se percentage choose kar sakte ho .. main government employee hun aur mujhe allowed nahi hai .. maine customer care se bhi baat ki thi iske liye
@@shubhamjain.7 Wo kaahe ki active choice hui fir ?
@@manojpathania smjh gya na bhai
I'm nps subscriber since 2005 and i have got only 9.6% xirr returns till now.
I am guessing you didn't change equity allocation to 75%
What is equivalent CAGR of 9.6 XIRR?
Any approximate idea?
@@eddscall Not allowed for government employees to choose the active mode of investment. Only Auto choice is available.
@@Udaan0007 XIRR takes into account the exact timing and amount of each cash flow, making it a more accurate representation of the true returns of a SIP. CAGR, on the other hand, assumes a constant rate of return over the entire investment period, which may not accurately reflect the returns of a SIP.
Both are almost same if not exactly same.
@@manojpathania oh, that's bad, they should give the option
One question: If let's say we have an active choice (75 equity, 15,10), and invest 100 rupees into Tier 1. After 1 year, assuming 40% growth in equity, and 10 % in the other two asset classes, the total value of trh fund would b 75x 1.4 + 25 x 1.1 = 132.5. Will this total sum be readusted to be 75, 15, 10 again, or will they grow parallely?
@@charanthebond2 you want to choose active choice. So all comand is your in hand.
It will not change untill to change
Your last setting will be continued untill change
Sir pls make detailed video on tax implications on shares and mf and how to file ITR for shares and MF.
Bahut hi achche se samjhaya aapne
Thank you
Sir, as per a new circular, equity portion can remain 75% upto the age of 60 years and need not to be reduced after 50 years.
your videos are so clear and crisp. video quality is awesome and have gained so much knowledge from your videos. thanks :)
Crystal clear and informative. Keep it up.
Thank you soo much from bottom my heart Sir.. Really you know exactly what we want learn.. I just wanted to know what is nps and how its work.. The way you explain no one else can explain.. I saw others video also.. But yours is simpe easy to understand and fill with soo much knowledge thank you so much one again.
सर गवर्नमेंट पूछ रही है कि आप एनपीएस में रहना चाहते हैं या OPS में रहना चाहते हैं एक वीडियो इस पर भी जरूर बनाएं
Ops me chale jao
Ops
Ops anytime
Thank you sir it is really good that we save money for old age .
Systematic lumsum withdrawal guaranteed ya fix amount hota h ya Market risk par depend karta h.
@@HarishKumar-bi7zw please read PFRDA guidelines.
If you cross 45years old your equity percentage will be decreased every year
Sir, kindly make a short video of the tax effects on Tier 2 account with different assets classes, this information will be very beneficial to many investors.
1:01 ARMY NAVY OR Air Force OPS he. Other Force Or CG Service Ko NPS Me 2004 ke Baad vale Retirement Ke Baad 7k to 8k pension Milti he. OPS is Better for CG services.
60% paisa lumpsum bhi toh mil raha hai.. pension sirf 40% paise ki hai … pure paise ki pension lelo.. kaun rok raha hai?
60 percent to hamara hi paisa hai or painsion ke rup mai hamare paise ka interest de raha hai govt ne Kya diya kuch bhi nahi
Ye jo de raha hai hamre paise ki kist ka double vo to ek tarah se gumrah kar raha hai
Abhi es Video ke mutabik agar aap kucha paisa maturity se pehle nikalte bhi hai tab bhi apna paisa jo hamne jama kiya hai usi ka hi 25% mil raha hai govt kaha de raha hai apne hisse mai se to ky accha hua ease jyada to pod se nikal sakte hai or fix bhi hota hai
One of the best videos about this topic. Thank you so much. Really appreciate your efforts. More love & support to you. ♥
सरकारी कमॅचारी की जीवन भर की कमाई सैयर माकेॅट मैं लगी है। रिटायरमेंट मैं 1 लाख की वैतन वाला पेशन 1200 मिल रहा है कैसे जीयेगा एक रिटायरमेंट कमॅचारी
Jb lagega hi 40 ki umar me to jo 25 ki umar me lga h uski brabari kaise kr skta h
NPS की कोई भी कैलकुलेशन करो, वो रिटायरमेंट के बाद पुरानी पेंशन वाले के 10% जितना भी पेंशन भी नहीं पाएगा। हां, भजन कर के स्वर्ग जरूर जा सकता है, और स्वर्ग के सामने पेंशन क्या चीज है!
Bhai 30 saal ki naukri mein 1200 pension toh bilkul hi nahin milegi.
U don't know actuality..many persons retired from psu are getting pension from 1200 to 1800.@@RealIndian821
Tier 1 me retirement plan h
Sirji do a detailed comparison video between opting for NPS and EPF for retirement purpose. Thank you
Sir
Can you tell, if any body expire before completion of 60 years, then how it will proceed
Nominee will get
@@Pratik3709 nominee will get intire corpus and it's up to her if nominee want retirement amount after that pension it's also available in nps
Sir,
NPS me yadi suppose hum kuch hi saal invest kre to.....vo pese hame milege bad me yaa loss ho jayege...I mean isme kuch rules to nhi ki itni saal invest Krna must h.
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Hum kitne v saal invest krke , band kr sakte h?
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Baki sab, Video me to sab kuch ache se samjh aa gya Thank you so much!
Sir ppf is better than nps for interest mutual funds are there ? For retirement
Nps ka average return kya hai 9% fixed milega 9 to 11% for conservative plan
Ppf never be better than NPS.
You can chek history of both investment tools
@@kaustubh3084 ppf return is 7.21
Nps default scheme return 9 to 9.5
Nps lc 25 return 10.5 to 11
Nps lc 50 return 11.5 to 12.5.
Consistent since 5years.
But it badluck more than 70%employee still in default option.
Wake up and make handsome corpus with good PFM
nps tier 2 may accha return milega or utena paisa Mutual fund may invest Kare to aacha benefit milega....aur aap kya suggest karoge sir.. For retirement planning...
Isse aur complicated bnana cahiye takki dimak ki dahi ho jae
Nice explanation of NPS. Thanks.
Goverment employee ke liye active choice option me shirft 100% G option hai E option show nehi korta hai.
Same mere me tier 1 Only G option h and auto me aggressive nhi h... Kya aap logo k me bhi yhi issue h..
LC50 is the best choice for CG employees as per my knowledge
Wonderfully structured video.. so clear & crisp about the full NPS cycle. Thanks a lot sir,
NPS बेकार स्कीम है government employees के लिए
Plz elaborate
galatfehmi h aapko bhot badi vaali
Btao bhai galatfehmi kese h@@gauravchaturvedi6080
Nuksan kese h btao bhai
Free ka khana h
What is difference in NPS and EPF as both schemes has plans for retirement fund and pension ?
Please give the clarity on NPS withdrawl in case of death before or after 60 years and whether nominee will get pension for corporate sector
Can you please explain EPS. How pension is calculated in EPS? And how it is different from NPS?
Thank you sir for giving the details of NPS 🙏🙏🙏
Apka personal view kya hai sir NPS aur OPS ko lekar which one is better?
for same duration of service, NPS is way better than OPS
Hello good explanation. Question - I understand under the new tax regime I do not get the 80C deduction but can I still invest in NPS upto 1.5 lacs so the interest earned is at least tax free at withdrawal? Same question with other deductions like 80CCD upto Rs 50K? Thanks.
mutual funds ke retirement plans bhi iske sath compare karte to acha hota..unka lock in sirf 3 ya 5 saal ka hota he
Very well explained Mukul ji. I am 38 years old and did not opt for it for more liquidity of funds to invest in MFs than NPS. Now I would like to know is there any calculator to check investment if I only opt for Employers contributions as per new tax regime. ? Thanks in advance 👍🏼
Bro,
You forgot to mention about the recent changes like *SWP* (from 60years to 75years). SWP makes NPS very attractive.
Kindly do include this on your next video on NPS.
Please make the video on comparative study on ops/nps/ups considering different factor like service year,contribution etc...
सबसे आसान सवाल.....
NPS इतनी अच्छी स्कीम है तो सांसद, विधायक और आर्मी,नेव्ही, एयरफोर्स सभी को NPS लागू करदो।
One Nation one Pension.. अपने आप सबकी गलत फहमी दुर हो जाएगी।
क्या Govt. Emp scheme change कर सकता है? और सारे scheme का रिटर्न calculation पर भी वीडियो बनाओ एसी मांग है
I always follow your channel because I get al infol whatever I need👌🙏👍
Hello Mukul Sir, Thank you so much for your consistent effort to make this clear video on NPS. 🙂
However, I've a doubt on Tax part: 80 CCD (1B), 80 CCD (2) - Do you mean both can be declared at same time ? If so, could you plz enlighten a little bit more...
same doubt.
Good information about NPS, i would say all things covered in this video.
I have one question regarding tax benefits,
For example, If i added 50,000 in my NPS account then i know i can show this 50,000 in my tax declaration but can i withdraw whenever i require it after 3 years Lock-in period ?
It will be helpful for me if anyone can answer this question.
Thank you sir for giving the details of NPS
Which one is better NPS or LIC jeevan UTSAV pension plan??
NPS Employee ku total corporate se 40% anuity kharidna compulsory hai kya sir, new up date hai kya? Actually ops ya nps me se kaun sa behata hai?
• Myself (49 yrs) planning to INVEST in NPS scheme MINIMUM - ₹ 50K/...
• However, TIER-1 A/c is ALLOWING MAX : ₹49K/ ONLY, and TIER-2 : ₹ 1,000/ !!!
• Initially can I INVEST : ₹49K/ in TIER-1, and ₹ 1,000/ in TIER-2 !!!??
• Later on (WITHIN 31ST MARCH), can I INVEST a FURTHER ₹1,000/ in TIER-1 (so as to be LIABLE for TAX EXEMPTION of ₹ 50,000/ [ U/S 80CCD ]) !!!???
Hoping to hear from your end ASAP Sir
NPS has recently allowed the government employees to change their existing Fund Manager and fund House
Kindly guide me for choosing the best Fund House and Fund Manager.
For buy an annuity, we have to pay 1.8% GST, which also a big drawback
hi Mukul ji, You explained the scheme very well in short. Just one query, actually my other investments already met the 1.5 lack cap. So, if I invest just 50,000 in NPS, whether shall I get any benefits under sec 80CCD(1B)
My question is related to 40% conversion in to Annuity. Monthly receipt of Annuity is taxed @ tax slab of the assessee. Now if instead of investing in NPS if investment is done in Mutual fund and withdrawal is done through Systemic Withdrawl Plan on monthly basis then what would be the tax implication. I guess we will get the benefit of Indexation and income will be treated as Capital Gain with lower tax outflow. From that perspective also Mutual Fund is a better option. I understand 60% of corpus is tax free at the time of withdrawl and only 40% is taxable. But comparing capital gain vs regular tax slab which one is the better option from overall perspective - MF or NPS. Plz pick my question
Thank you for the informative video. Can you please explain how one should proceed if he had a NPS tier 1 account for 10 yrs but now settled overseas and no plans to return back.
Can he withdraw the money? If yes then how much and what’s the process?
Thank you kindly
Sir ek question hai ki jo log SIP karte hai kisi bhi platform ke through aur jis mutual fund me karte hai agar in dono koi default kar jaaye ya kisi wajh se koi problem ho jaaye to kya humara paisa safe hai ??
Sir aapke hisab se government employee age 35 yrs ke liye lc 50 ya lc 25 ya default scheme for long term kaun sa suitable hoga please reply
Complete guide. Taxation on systematic lumpsum withdrawal is not explained. I was expected this.
There is no tax on systematic lump sum withdrawal
Please clarify if there are better options available than NPS as many discourage us from investing in NPS tier 1 due to low returns.Please advice.
Hi Mukul and Team, thank you for making such a great video, it really helps to understand NPS better.
However I have several questions regarding the extension of NPS from age 60 to 75.
1. Do I need to provide the extension age upfront. For e.g. when I reach age 60, I know that I want to extend the NPS for another 5 years, so i extend it to age 65. Then when I reach age 65 can I again extend it one more time. How many such times can I extend.
2. Once I extend the NPS at age 60 to say till age 70, will all the amount from the beginning continue to earn interest and accrue till age 70 or I will have to withdraw the portion till age 60 (with annuity pension) and the additional money I contribute from age 60 gets continued till age 70. Or is it that the lump sum can continue from the beginning but the annuity portion has to be taken at age 60? This is a very important question for me.
3. When should I let NPS know that I want to extend beyond age 60. Is it when I am 59 years old or earlier ?
Kindly answer these questions. Thank you again for your time and effort.
Sir please make a VDO on "impact of Lok Sabha election on stock market".
Tier 1 has got More tax benefits over and above 2lakhs under section 80cc2 corporate NPS upto 7.5 lakhs, please sahi Gyan dijiye na
Please cleaify below points
In 80C apart from pension we also get expemtion on HL Principal and ELSS.and LIC investment
suppose someone has fully utilised 80c without nps contribution and now he is willing to contribute on NPS. Shall he get additional tax benefits and if yes how much and which head
Am taking about old regime
What about the tire2 of NPS investment, and it's withdrawal policy? Can I withdraw the total amount and what about the tax liabilities for tire 2 maturity amount.
your way of explaining is too amezing
Very good and informative video, kudos team.
If market dependent pension is only option then govt should provide it to every citizen by allowing them to invest for long time and make it tax free upto annual income tax exemption limit.
Atleast people will have their choice to select schemes and proportion of investment.
Hi please cover taxation of tier 2 a/c. Especially the treatment of 2 cases. Short term and long term CG in withdrawal and also tax liability in case of PFM changes in middle of year meaning change of % allocation.. we usually do not get any CG statement from NPS site as we get from CAMS or MF .Thanks
Can you please explain options for government employees? As we are bound to invest in only 3 pension funds ,SBI,LIC and UTI for active option also, which invest in govt. bonds mostly, can you make a video in detail and explain what will be best option for central government employees?
In my dashboard I can invest in only G category of auto choice & in active, I have only two schemes moderate and conservative.. Govt employees pr limitations h I think
Switch to LC50 plan... Last year I received 25% XIRR.. It is the best way to increase the exposure in equity for CG employees
Exactly this is what i mean and couldnot find any such rules@@shubhamjain.7
Plz also talk about fund growth. In pf every year interest amount adds to principal likewise how it happens in NPS. For example if my NPS value is 5lac at present then it will not come down rather it will increase. Plz cover this point
Sir, NPS Tier 2 has no any tax benefits but kindly clarify the tax mechanism that applies in Tier 2, as I am investing in Tier 2 account with 100% equity, what will be the tax effect..
Kiya me individually NPS account khol sakta hu? Bina employer share ke bina kese NPS se faida hoga?
Important topic explained very well and in simple to understand language..Very informative video as usual.. Thanks 👍
Glad you liked it
फिनटेक nps खाते से पैसा निकालने और खाता बंद करने की प्रक्रिया पर विडियो बनाये
Sir, I have a question. At the time of maturity, 40% goes to Annuity buying. Now, let's say, we plan to opt for SWP for the rest of the lumpsum amount also, for example like 6% of the amount annually, so will that lumpsum keep growing as per market just like any mutual fund? I mean to say that the lump sum amount won't remain same right? It should keep increasing and decreasing as per the market?
Ye possible hai kya
Is month 1000 kare fir next month kuch aur amount? Changes kr skte hai kya
Fully satisfied
Sir aapne bataya 60% to withdrawal ho jata hai...BT 40% baki bache hamarai family ya children ko mil sakte hain...agr Haan to isme konsa plan select karna hai
Thanks sir. It was informative.
I have a doubt.
Every website is saying "You can save tax upto Rs. 46,800 per year by investing in ELSS funds if you invest Rs 1,50,000"
But I'm not understanding.
Can you please make a video with some practical calculations.
Please update the premature exit rules, what if a corporate employee resigns before 5 year completion of NPS.
You have mentioned there are fund managers. What happens if some manager (e.g HDFC) has shut down due to market OR bankrupt in between due to some reason ? From where we can collect money then ?