ELSS VS PPF VS PF VS NPS - WHICH IS THE BEST OPTION? FT.
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- Опубликовано: 29 сен 2024
- #sharemarket #equity
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Disclaimer - This is our personal view and mutual funds and equity investments are subject to market risk. Please read all offer documents before investing. This video is only for education purpose. Please consult your adviser before investing. This video is only to give information and only for education purpose.07
Gazab collab🔥
Thanks brother
Hoping to soon a collab with you😊
@@InvestAajForKal soon bhai
Yes please. 👏
Bht maja ayega❤️❤️❤️
The major benefit of EPF is equal contribution from Employer as well, which although is a part of my CTC, I will receive only if I invest in EPF. So, one could see it as directly 100% returns from the very first day itself or one could see it as getting the max out of your CTC.
If an employee increases his contribution towards EPF through VPS, would the employer's contribution be increased? If yes, would that be deducted from our CTC?
@@rajatetn92 employer's contribution is capped at 12% of basic pay I think.
@@rajatetn92 Employer contribution won't increase.
Employer contribution will be capped for a max basic salary of 15000. That is employer contribution will be max 1800.
Unexpected..great Collab. Do more plz 😊
Absolutely awesome conversation ❤️❤️
bro its pension so 60 is the correct age, and its just a part of d investment, Youngsters can invest their other funds in stocks or mutual funds.
Jiss hisaab se govt sarkari scheme mein return gir rahe hai and personal investment mein tax lag rahe..sarkar chaati hi nahi log saving kare..wo chaati hai ki log bas krche kare ya Bank mein rakkhe
Shandaar 🙏🙏
After 80c is full, What is better 50k yearly in nps or 50k in mutual fund?
Additional 50k daal sakte hain woh in Accha hain baas NPS ka ....
Nice
If a person of age 50 or 60 years opens ppf account will the lock in be 15 years?
Please also cover if NPS is not good, still additional 50k put helps to save the tax. What are the alternatives?
Elss fund
..
Sir NPS is pension is pension scheme,so ovius till 60 year lockin,benifit we invest for long time,otherwise we withdraw money at time of need,30-35 year compounding,good wealth create for retirement,60% tax free,mendatory pension after retirement which is good
NPS is a very good scheme except the huge lock in period. While PPF EPF will give around 7-7.5% returns NPS will give around 11-12%. This brings a huge difference in your retirement corpus if you keep investing till 60. ELSS is the best option and NPS is easily the second best return wise if one can live with the huge lock in period.
And also tax wise NPS gives 2 lakhs tax saving opportunity (1.5 lakh from 80C and additional 50k), plus the lumpsum money you will get during retirement will also be tax free. 40% of your corpus will go into buying an annuity plan and only in that case you will have to pay tax on your monthly pension which you will get from the annuity plan. (The pension received after tax will be much higher than EPF pension)
For Business person or one who is not employee NPAs fabulous option for him.
I mean to say premature exit option. In premature exit a person voluntary can end the investment immediately and receive gain.
@@AdvYoganandPatil There is no premature exit option I think in NPS
@@akashghosh509 please Google. After 10yr of investment non govt person without any reason can exit NPS.
What about 60:40 option.???
Corpus pe 30% tax lagta hai
Simple idea.... Invest in ITC..... Even nifty comes to 0...it'll stay in between 220-225 & you'll get fair enough dividend
Now it's 275
GPF means govt provi fund nahi yar general provident fund
🤭😄😄🤓😛 sidhe batado kha invest kare 🤭🤭😂😂😂
Excellant job guys... plethora of knowledge and keep coming together 👌
NPS deductions are above 80C, good for those who come under 30% bracket
I left my job voluntarily after working for 2 years, currently I'm jobless and want to withdraw money of EPF, if i withdraw it after two months of leaving job as sir said, what will be the tax criteria?? 🙏
My opinion is that one should open ppf account even if one doesn't want to invest in it especially a person from middle income group. Contribute minimum amount needed to keep it running. It is something like 500 or 1000. Let some of the lock in period lapse. After say 8 to 12 years if it's return is still attractive compare to other fixed return product then invest according to his risk profile (debt portion which likely to increase with age). Get benefit of extending it by 5 year block if needed. In the extension case one can do once a year withdrawal which can be used in case of high fund requirement.
Can all amount be withdrawn at the end of 15 year ? If so money deposited in 14 th year will have lock in of only 1 year
@@mahesha6363 Yes. But if not needed at that time extend it for another 5 year just before its maturity time. After that you have one withdrawal option every year where you can withdraw partial or fully.
@@kushdesh thanks for reply
In 16th or 17th year etc a person can deposit Rs 1.5 lakh get 80c benefit with practically no lock in. Am I right? U have already told that only one withdrawal per year is allowed
@@mahesha5148 Yes as the rules says now.
Sir m pvt company m kaam krta hu to mera pf Kat ta h . Kya m pf account ki jagah per nps account de sakta hu kya please reply
GPF meansGeneral provident Fund not Government provident Fund
sir bank me ppf A/C safe hai yaa post office me???
LLA team already knows epf se accha kuch nhi
Nps se accha to mutual fund krlo
Wrna direct equity to jindabaad h hi😅
Everything is temporary but "Appan ne" is permanent 😅
The best thing is you keep on learning and adding knowledge .
In share market only person who succeed are the one who keep on learning.
Very helpful video 😍😍 Thank you so much Sir
Voluntary provident fund pe video banao
For private employees
Sir, i have a question, if i invest in ELSS for say 20 years, what would b the taxation? Is it only on the profit of the 20 th year investment or for the whole redemption amount?🙏🙏🙏🙏🙏🙏
Hello Sir, This is great information. Just a quick question, I started the PPF account long back but now I am an NRI, can i still continue my contribution and keep my account active.? Please advise.
Yes you can contribute and account will be active
1.2L in PPF
30k in ELSS
Is this a good choice?
Sir what are government Bond's & it's advantage s please🙏 tell
A person who doesn't have a job in private and government sector can he really invest in ppf and epf
Yes
If you add more than 1.5 lakh then perhaps instead of making it taxable govt. refund the extra amount without any interest.
pl add subtitle or mention lang in title
Sir GPF ka Full form toh General Provident fund hei,(only for Government servant).EPF Government job or private job do Tara ki ho sakti hein
Topic is very interesting..and helpful as well
Like in ppf account, one should invest between 1st and 5th of any month, is there any specific time to invest in nps for better returns??
But what's your opinion on extra rs. 50000/- deduction u/s 80CCD(1B) of NPS in tier-1 apart from 1.50 lakh u/s 80C of
U definitely should claim that. And it's a good thing. Better than ppf
15000 savings on 30% bracket and 15% return on 50% equity 25 bond govt 25 corporate bond hdfc nps tier 1
1 aur 1 = 11 🥳
Very informative topic covered.
And the way anant say bhaiya to Rishab 😁
Sir ,ek video future stock par banao ,jo future mai multi stock bane
NPS ka lock-in is not the con of it, it is the biggest advantage of it. Because, by design, it is meant to be only a pension fund, NOT ANYTHING ELSE AT ALL. The way it enforces discipline and kills the temptation of investors to destroy their pension fund by withdrawing early is the most beautiful aspect of it. For those who disagree, once again, I can only reiterate, it is meant by design to be a strict fund for your pension needs. Nothing more, nothing else.
Super informative video with all T&Cs covered. Thank you to both the genius content creators!
Awesome Collab. Didn't expect that.
Respected Sir
I am a Stat Gov employee and my cpf contribution is deducted by nodel officer and invested WITH GOV SHARE in NPS, THAN I CAN ADD EXTRA 50,000/- THOUGH NPS APP IN SAME TIER 1 NPS ACCOUNT FOR GET BENIFIT OF 80 CCD (1B)
If and is yes than how I can proof that for income tax exemption
Regards
Aap jo v knowledge dete hai . Hume bhut majaa aataa hai
What a Collab 😍
My 2 most favourite channels in finance ❤️
Kya hum apne EPF account me se pension ka pura Paisa nikal sktey h if we left job our job after 12-15 years ? Please reply sir
ये जो आपने NPS की बात कही ना उसके लिए आप को एक लाइक बनता है।
कही कही तो जबरदस्ती कंट्रीब्यूशन हो रहा है
सिर्फ 60% निकलना कहा कि समझदारी है।
थैंक्स लव यू
Love you ❤️😘
God many many blessings sir
EPF exempt exempt exempt upto 5L contribution only per year from 2021. Thank you Modiji PF pe tax lagane k kiye.
@korrect Time 5l exempt is on gpf and for epf it is 2.5L
What are the best maximum tax saving schemes for Sr. citizens. Pl. Inform and help.
Whether elss comes under tax saving of Rs. 1,50,000/- u/s 80c. Can we get additional tax rebate of Rs. 50,000/- under the scheme of nps. What is the annual return thereon and whether it's maturity amount is taxable. Is there any FDR for tax saving of Rs. 1,50,000/- .
Is NPS tier 2 auto conservative is good option of debt fund for more than 50 yrs 30% slab person
Nice sir 👍 good knowledge plz sir 2023 best EPF PPF ELSS ka video banaye sir
GPF : General Prov. Fund
Dear sir I want to buy ur future & options learners MEMBERSHIP, will I get access to ur private channel on telegram. And how will I get demo trades on telegram channel after joining ur future & options membership. Please reply soon so tht I can join ur channel at the earliest WAITING FOR UR REPLY.......... THNK U.
I'm NOR
i think safest option is 30% SGB 70%Equity large&mid
Agar profit zyada banra hai...tho tax pay karne me kya harz hai
Sir ELSS MF Me mere name & wife ke name se hai to 80c me dono ka document de sakte hai .....? Over leaping to nahi hoga .....?
My age is 29, can i invest in 75 in equity and 25 in corporate bonds. Risk will be minimized after 31 years.
What is withdrawal rule of ppf during 1st extension of 5 years with contribution ?
Mera EPF aur ELSS main hain age 28 yrs salaried employee
If I want to get benefit on FY 2022-2023 .. which month should I invest and what should be the mode SIP or lumpsum?
PPF is actually a EEE model. Hence,it is not comparable with any other instrument. And because of its tax efficiency,PPF is a good wealth building tool rather than tax saving tool, as being frequently said....
If someone gets 10k salary who do not get PF from company where he is working.what should be done?
Anaant Ji, this video was like Sachin Tendulkar or Virat Kohly asking the batting tricks from the coach Ravi Sashtri. Everyone knows what Sashtri can teach Sachin Tendulkar or Virat Kohli about batting. lol
Hi anant bhai ..mere nuvoco, aptus and car trade ka ipo lga tha but as you knw they are currently performing badly, so mjhe kya krna chahiye . Please pick my query
Rishab ji is good in equity but not like anant I think anant will be broker for Rishab which is good thing success of the first step I hope this will be helpful for us also
Sir please compare these with some lic policies
Which is good option for international student(indian citizen but resident of XYZ country). Please explain this, and also, if someone is becoming a citizen shortly, then it’s good to take NPS where NRI is eligible. Also, I am confuse all the T&C follow when you open account or you have to change once you become another country citizen?
Be clear and use simple words for those who are not aware of those tax things
Regarding NPS i availed 30% Tax deduction on 50000 rs. 35000 rs. submitted in NPS Avg return 10% with no Post Tax.
Very nice video , all concepts clears very easily 👌👌👌
09:54 Apne kaha ki bachhi 21 saal ki ho jati hai... Jabki funds ko 21 saal ho jate hai tab ?
Thanks you Anant for another amazing content 😍🥰😘
So compalicatad
Elss one Question miss ho gya ,1lakh lumsum kare ya sip?
PPF interest income is always tax free...so always invest even if 80C is full
Jisk muje tha intezar
Wo ghadi aa gyi ,aa gyi
Comment pin krdo🤣
Kya EPF or PPF Dono accounts same person use Kar Sakta hai
Superb. 🎉
You may be vaccinated. Lakin yaar thoda door door baitho, corona ka time hai 😂
Good video
Bhaiya bhaiya bol....k...aidaa banke paidaaa khaaa rahe ho guru.....aapko aaata sab h 😂😂😂😂😂😂😜😜😜
Dear anant sir good discussion, but not a healthy one, Information about NPS is not explained properly, NPS is also one of the best scheme in current market. It has two sections Tier-1 & Tier-2.
1. Tier-1 is the best retirement plan & has provided 12% (approx) annual return on combined contributions of employee and employer in last five years which is far better than any of the retirement plans in India.
2. Tier-2 is section where employee can invest in equity, debt and bonds in percentage depending on their risk taking capacity and can invest and withdraw any time as per his requirements. Its has given more than 15% return in last 5 years, far better than EPF & PPF.
So a investor who wants more return with low volatility can invest in NPS TIER-2 scheme.
Thanks
Only good if you gaurentee your life that you will live 60-70years 😂😂🤣🤣 Understand this point NPS maybe good for you but not for youngster's
Sir i have EPF account of my company. Can i open a new PPF account from any bank? Please suggest if it is possible.. as heard we can't open multiple options.
Yes it is possible to have both. I have both of them active and running without any issue.
50k ka matlab kya hai..ek sath Jana karna hai ya 4k per month
Thanks for a very informative discussion Anant! You discussed about clubbing of income in case of PF. Could you plz also elaborate the same (clubbing of income) in case of SSY. Thanks again!
It means the income from minor PPF will clubbed with guardian income.Earlier it was not so.SSY the income is not clubbed under the parent or guardian name.Hence the tax benefit.
😅
@@leemafashion6628 y
Tu
Tu y
🤔🤗💞🌹🙏
Nps tier 2 is a gem
ELSS wala stock konsa hai
Sir kya time pe video laye hai aap mai aj morning ko hi search kar rha tha PF ke bare mai😁😁
Sir what about Boy Kid??
Which option is Good.
GPF : General provident fund not Government provident fund . Pl correct
sir mazaa aa gaya ... waiting for more collab with LLA in future
Sir mera nps cutting hota hai . MUJHE ab tax benefits ke kye kya karna chiye
Children's Tution Fees
Elss fund
Term insurance
NPS
PPF / EPF
Endowment Plans 🤢
Kisi mein bhi invest krlo ya sab mein.
Total section 80c ke through 1.5 lakh tak he limit hai.
Not sure but in case of tax avoidance I guess court can attach PPF
Epf all ready hai mere paas kya mai PPF v kara sakta hu ? 1.5 lakhs ka tax benifits milega .
Or elss v kar skate hai . I mean 3no kar sakte hai ?
But 1.5L is combined for all. Not individual 1.5L. If you have epf, doesn’t makes sense to ppf as it’s for those who are self employed.
Elss sai 2 lk PPF mai dale tho long term capital gain lagega
Thankyou for informative video sir😍😍🙏💯
Elss vs PF me kon sa choose Krna chahiye