Hi Rizwan...Since you are a CA student please think about my doubt also...Interest rates are going down every year. If we take pension after 20 year , may be you will have 1 crore at that time how much pension will get? If you take pension now you will get good money according to your capital. My friends they started taking 2 year back pension , they got good rate.But now rate came down compare with 2 year back.
Pls make a part 2 video on this covering questions like - comparing NPS with other investment opportunities like mutual funds, FD etc and analysing for which type of people which investment is best suited! And is NPS recommended for everyone? Etc 🙏
Interesting , the stock market is currently experiencing a decline while bond yields are on the rise. However, there seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to liquidate my $250,000 stock portfolio. I'm seeking advice on the best strategy to capitalize on this current bear market.
Thankyou so much for making me financially literate,there was so much I didn't know which I feel I should have known, but as you said in one of your videos that we women think that finance is just not my thing! i too thought that way till I came across your channel ,the ease with which you explain things, the structure of your content and of course your excellent command on language makes it a one stop solution for all your financial knowledge, keep growing, keep educating ,you are doing a commendable job!!
I know everything about NPS except complete picture of active and auto and even checked with many friends and got various answers.... finally got clear answe with chart explanation.... thanks mam ....
I am really thankful to you. I am only sad, that though this NPS is from 2009, unforuntate that so many people are not knowing this. This is the state of education in this country. We are not educated on financial planning at schools and colleges. We get to know this through youtube !!
You should make video on Inflation, that will help people think about their retirement, It will tell how come their 15000/month cost of living in April 2021 will change to 221000/month in April 2056, with 8% inflation/annum for 35 yr, One more request, make a video on investment in """Mutual fund vs NPS tier 2""" and discuss their exit load and charges of AUM etc....
I guess we don't have 8 percent inflation and I guess we will never have 8 percent continously for so many years. For developing country like India inflation of 3 percent is good
Thank you in tonnes! This is what I needed! I had zero knowledge on NPS before watching this video. Thank you so much!!! Now I can say I am in a lot better state of understanding NPS! God Bless You!
Hello Rachana, I really thank you for this wonderful informative video. I was scratching my head before watching this and now I have a very good understanding of NPS. I don't think the people who worked/works with NPS can explain the process like you. I appreciate everyone's time who worked with you to prepare this video.
Oh my god this was so so informative! Really learnt a great deal about NPS! Btw you caught me the first time you asked us to pause and then asked to wait 😂
I have a question regarding partial withdrawal of amount. you said that 25% of contributions can be withdrawn. so can a subscriber withdraw 25% of only his own contributions or 25% of his own plus his employer's contributions? and one more thing 25% of amount includes CAGR or does it mean contributions without any CAGR I.e. 25% of capitalized/ increased amount or basic amount?
VERY GREAT EFFORTS BY YOU AND YOUR TEAM. DEFINITELY A TREASURE FOR ALL CITIZENS OF INDIA. BEST WISHES TO ALL THE TEAM AT CARR. I HAVE UTILIZED THIS VIDEO AS A REFERENCE FOR UNDERSTANDING THE BASICS OF NPS.
Thank u very much.. I want to understand the last one year. But I never understand. But Today u give me clear picture. I remember you. From Today I'll follow. Thank u very very much for ur efforts. ...
I am a government employee and NPS is mandatory for government employees as you know. I have a request to you that please make a seperate video of difference between NPS and OPS (Old Pension Scheme). And also educate us to understand that which one is better.
OPS is better than NPS. OPS gets pension as per your grade and almost no deduction from your salary while employed. NPS is your money which govt is investing here and pension is also not good. It is good for govt but not good for govt employees.
@@2441979D OPS is a burden on govt and the tax payers. It is not possible to give free money to every retired govt employee. NPS is a sustainable way to generate retirement pension for govt employees. If you don't want to contribute from your salary then you are lacking discipline.
खूप चांगला विडिओ रचनाजी. खूप धन्यवाद आणि पुढील वाटचालीस भरपूर शुभेच्छा - एक पुणेकर [मुक्काम पोस्ट हिंजेवाडी] :) Indeed it was very helpful information. Thanks for sharing such good stuff.
Ma'am I have a question, are the returns from NPS guaranteed? What if someone has taken maximum exposure to equity and the moment he turn 60, unfortunately the stock market crashes?
I just saw this useful video today and it is very informative....thanks for the video....can u help which is more better active choice or auto choice and which pension funds are better
Excellent video 👌 Thanks a lot. 2 suggestions: 1. Comparision of NPS as an investment with alternatives would have added more value. 2. Conclusion was empty. Only information we got was that it was heavy 😃. You may want to summarise and provide a few bullet points. Meanwhile thanks a lot again for presenting the basics of NPS 👏
Hi Ma'am, I have few doubts. 1. Which fund house would be the best among these? 2. Can we change the fund house in future? 3. Do we have to select the annuity plan from the very beginning?
Great Explanation and information , thank you for sharing ,One query please , what happens to annuity amount on death , after age of 60 , is it given to nominee
The decision to invest is an acknowledgement that it comes with certain risks. Not all investments will do well and some may lose money. However, without risk, there would be no opportunity to potentially earn the higher returns that can help you grow your wealth.
To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal.
Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline. Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.
I’ll recommend Tamara Diane Hagan for you, her strategies is working for me for months now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy
Thanks for the video. being employed, it helps with 80CCD(1B), but rather stay away from this & stick to my own investment in mutual funds. I find NPS far more restrictive. Given the bulk is taxed, might as well have our flexibility on how to save & deploy the corpus at our will. Thanks for making this video, definitely useful.
Yeah I also feel it very restrictive. We can not withdraw money till 60 then after that also, we cant withdraw fully. But the catch is tax saving, people can save extra 50K through 80CCD. What is the alternative? How to save tax more without NPS?
I think returns will be more from mutual funds and investing directly in stocks, but NPS gives some kind of security that, not all money is in equity and that your mind will be free from always following market trends etc and the security of knowing that i will not change your mind since I can't break it before 60. Peaceful retirement. But definitely other than NPS, stock or mutual fund investment should be done at younger age
'Chilling at some beach at Konkan or Hawaii'...is how every COBRA friend of mine describes a vacation. It's either Konkan or Hawaii and nothing in between...
That's not the downside. The product is designed for that very purpose (to have a "pension"). if that does not work for you and you will need to have all the money then, a product like PPF is good for you or opt for MF
Few pointers as I am still confused what decision should I take between NPS or MF: 1) 60% can be withdrawn and 40% is in annuity which would be taxed but if we invest in MF then even those are taxed for capital gains. 2) And yes lock in period is for 60 years of age but I see a meaning where getting 1 golden egg per day is better than slaughtering the whole chicken.
I have 3 questions if you can support 1. What happens to Annuity ? Does the nominee gets the amount after death 2. If subscriber to NpS dies during his period of contribution. What happens to corpus 3. If i have chosen NpS thru employer and happen to switch to organisation where NpS is not available, then what are my options . Will be great if you could shed light of that as well . Many Thanks:)
Good stuff! Thanks Rachana, thoroughly enjoy your videos. Question- like PPF, earlier the better applies here as well? Also, if I forgot to invest 50K in Apr, then in May by what date should I invest so as not to loose on that month's interest (is there any such cut off date like 5th of each month for PPF?
PPF is govt backed and NPS is market linked. So I think it won't much affect if you do it after may the 5th. Nevertheless sooner the better coz u have your money invested and working.
Thank you so much ma'am I'm 21 now I'm planning to start in this from this age so I get longer time, but I have a question ma'am if I initially put ₹10k per month in it and later would like to change it to ₹20k per month, is it allowed?
would be really helpful to compare mutual fund with 75% equity option in nps, for 30% tax bracket one will get to invest 35k in mf and at the age of 60 returns will be taxed by LTCG. I wonder if it can still be better option compared to NPS as there is better performance in MF and flexibility compared to compulsory annuity...
MF ELSS SIP is much better than NPS. Govt is giving tax benefit now and taking away 40 percent of our money. Mandatory annuity pension is same as FD interest, then why to invest in NPS? NPS is for people who know nothing about mutual fund and dont want to learn anything.
I have 3 questions regarding NPS. 1. Upon exit after 10yrs, 20% lum sum on Corpus (my contribution + interest) or only my contribution? 2. What if NPS individual died? 3. Is there any provision to discontinue contribution for certain period? Hope you will answer/or can make a video regarding.
People grappling with the difficulty of meeting essential expenses often encounter this situation due to inadequate savings during their working years. The decisions taken in readiness for retirement carry extensive consequences, as demonstrated within my own family dynamics. Despite my husband and I having equal tenure in civil service, differing investment approaches yielded disparate results. Guided by a financial advisor, We are both retired and still earn monthly from our investments.
Indeed, that's accurate. I'm currently in my mid-50s. My husband and I were on a similar path until a couple of years ago when I decided to shift my investments to his wealth manager. While I haven't quite caught up to his accumulated profits over the years, I'm at least earning more now. I'm generating income even before retirement, and my retirement fund has experienced remarkable growth compared to what it would have with just the 401(k). It's quite amusing.
It's regrettable that many individuals lack access to such insights. I understand why people might become anxious. Insufficient information can indeed pose significant challenges. Personally, I've been able to generate over $25k passively simply by investing through an advisor, and the best part is, I don't need to exert much effort. Regardless of economic fluctuations, skilled wealth managers consistently deliver returns.
*@donaldsimeon8606* I've been thinking about going that route. I have a lot of stocks that I have maintained, but they are beginning to lose value, so I'm not sure if I should hold onto them or sell them. I feel hiring your investment coach would make it easier to restructure my portfolio.
I'm guided by Camille Alicia Garcia an experienced coach with extensive financial market knowledge. While you can consider other options, her strategy has yielded positive results for me. She offers valuable insights, including entry and exit points for the securities I concentrate on.
I've taken the initiative to research "Camille Alicia Garcia" online and verify her credentials. I'm impressed with her expertise, and I've reached out to her to share my financial market goals in detail.
Respected Ma'am I am State Government employee and My contribution towards NPS deducted from my salary worth Rs.70,000/- Than I want to know that if I invest in ELSS Rs.130,000 and 20,000/- of above mentioned NPS CONTRIBUTION can claimed under 80c (1,50,000) and remaining my contribution to NPS which one deducted from salary Rs 50,000/- claimed under 80 CCD (1B) for extra benefits of 50,000/- Please help me to clear that doubt Thanks
the maximum deduction that can be availed under nps (only tier 1) is 50000...whatever extra you put into nps does not qualify for any deduction....so final calculation is 0.5lk for for nps and 1.5lk for other deductions
For example If a govt employee contribution is 60,000 under section 80CCD 1 Now govt employee invest 1.5 lk in 80 C So either he is eligible for 80 CCD 1 (B) automatically Means his own contribution of 50k out of 60k will count under 80CCD 1 ( B) automatically or govt employees have to invest extra 50k for benefits of 80CCD 1 ( B)
Same here, I made $12,400 profits on investing since I started trading with Mr Harry Webar his trading strategies are too notch am winning consistently trading with him. He's really the best broker, I've made a lot of profit investing with him.
![OhGeesy x Lefty Gunplay - What It Iz [Official Music Video]](http://i.ytimg.com/vi/L0yzW9t2ixk/mqdefault.jpg)
Have you done your retirement planning?
No madam, I am just 17😂😂. But ya I should really think about it.
@@anaghkarmarkar9100 start immediately when you get your first salary!
@@CARachanaRanade ok ma'am . Sure . I will surely do it 👍👍☺️
yes mam i m govt. employ
I am 31. (Private Sector). Yet to start. Never too late..???
Mam I'm a CA Inter student..and honestly you gave a lot more knowledge than I expected through this video..lots of love
Same here🤟🏻 , i feel better listening to mam for FM and get clarity
Mam Aaple Audit che Lectures aahet ka Pendrive??
Hi Rizwan...Since you are a CA student please think about my doubt also...Interest rates are going down every year. If we take pension after 20 year , may be you will have 1 crore at that time how much pension will get? If you take pension now you will get good money according to your capital. My friends they started taking 2 year back pension , they got good rate.But now rate came down compare with 2 year back.
Kt
What is HUF
Pls make a part 2 video on this covering questions like - comparing NPS with other investment opportunities like mutual funds, FD etc and analysing for which type of people which investment is best suited! And is NPS recommended for everyone? Etc 🙏
I heard about NPS for the very first time, only through your video! and second thing that i did, opened my NPS account :-)
Arey sir aaplog idhar.
Which NPS account have u opened prabhuji
Interesting , the stock market is currently experiencing a decline while bond yields are on the rise. However, there seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to liquidate my $250,000 stock portfolio. I'm seeking advice on the best strategy to capitalize on this current bear market.
Thankyou so much for making me financially literate,there was so much I didn't know which I feel I should have known, but as you said in one of your videos that we women think that finance is just not my thing! i too thought that way till I came across your channel ,the ease with which you explain things, the structure of your content and of course your excellent command on language makes it a one stop solution for all your financial knowledge, keep growing, keep educating ,you are doing a commendable job!!
I'm 60 and first time one who explains NPS so clearly. Thank you Rachana, you are really good.
too late
Do something for your grandkids
Use "mam" i.e Rachana mam
When did you start investing mam? What suggestion do you want to give me regarding financial planning?(I am in my 20's)
@@Hrdy022 Come on, Malay is at 60. Not so serious please.
The Marathi connects & contexts are Great !
It was like attending a commerce class for free! I want to thank you for adding value to my life.
Loving your personality too!
Thank you Rachna,depth knowledge you have
I know everything about NPS except complete picture of active and auto and even checked with many friends and got various answers.... finally got clear answe with chart explanation.... thanks mam ....
I am really thankful to you. I am only sad, that though this NPS is from 2009, unforuntate that so many people are not knowing this. This is the state of education in this country. We are not educated on financial planning at schools and colleges. We get to know this through youtube !!
You should make video on Inflation, that will help people think about their retirement, It will tell how come their 15000/month cost of living in April 2021 will change to 221000/month in April 2056, with 8% inflation/annum for 35 yr, One more request, make a video on investment in """Mutual fund vs NPS tier 2""" and discuss their exit load and charges of AUM etc....
I guess we don't have 8 percent inflation and I guess we will never have 8 percent continously for so many years. For developing country like India inflation of 3 percent is good
Considering 6% inflation is fair enough but also it will entirely depend on the upcoming governments.
@sourabh ji :
That's the very genuine concern ..
Thank you in tonnes! This is what I needed! I had zero knowledge on NPS before watching this video. Thank you so much!!! Now I can say I am in a lot better state of understanding NPS! God Bless You!
First one to explain NPS in so much details
ETMoney bhi accha sa vdos banatha hein... Check it out 👍🏼
AssetYogi didi way before and even better in hindi.
Jus coz u saw one video doesn't mean this is d best video
I love the way how you are making people financially literate 👍🏼
Hello Rachana,
I really thank you for this wonderful informative video. I was scratching my head before watching this and now I have a very good understanding of NPS. I don't think the people who worked/works with NPS can explain the process like you. I appreciate everyone's time who worked with you to prepare this video.
Hello Mam, please make a part 2 video explaining more about tax implications on maturity/withdrawal of NPS.
Oh my god this was so so informative! Really learnt a great deal about NPS! Btw you caught me the first time you asked us to pause and then asked to wait 😂
I have a question regarding partial withdrawal of amount. you said that 25% of contributions can be withdrawn. so can a subscriber withdraw 25% of only his own contributions or 25% of his own plus his employer's contributions? and one more thing 25% of amount includes CAGR or does it mean contributions without any CAGR I.e. 25% of capitalized/ increased amount or basic amount?
@@sarthakkukreja you can withdraw from your own contributions i. e. amount added from your pocket.
Can you make a detailed video on annuity and if it is really the suggested option for retired people or are there better options.
VERY GREAT EFFORTS BY YOU AND YOUR TEAM. DEFINITELY A TREASURE FOR ALL CITIZENS OF INDIA. BEST WISHES TO ALL THE TEAM AT CARR. I HAVE UTILIZED THIS VIDEO AS A REFERENCE FOR UNDERSTANDING THE BASICS OF NPS.
The video was very nice and so far I have gone through so many videos about NPS but this is the best...
Correction at 5:28, The calculator shows 43lakhs, but you mentioned 4.32lakhs.
I agree to you that the amount compounded is higher when invested early
You have not mentioned anything about the nominee . If possible please put the details in the comments. It will be a great help.
All that can be found in form while filling the form.
You can have up to 3 nominees.
I m not a CA or MBA student
But after watching ur vdos I think I didnt need degree to make smart decisions (financial) in my life.
Thank u very much.. I want to understand the last one year. But I never understand. But Today u give me clear picture. I remember you. From Today I'll follow. Thank u very very much for ur efforts. ...
Thank you so much for sharing this very useful information. Sadgurunaatha bless you and your family.🙏🙏🙏🙏🙏🙏🙏🙏
No one can explain the way you do it Rachna ! God bless you !
True.
Investing is buying yourself a better future you don't have to work hard again.
You can say that again.👍
I have archived many things in my life since I started investing.
@Goodson Thomas Real Estate investment has proven to be the best.
Real estate investment let people grow their net worth by amassing more and more properties. It is a good long term investment due to appreciation.
@Alex Stein The Crypto market has been good news, people in it are seeing a great return.
I am a government employee and NPS is mandatory for government employees as you know. I have a request to you that please make a seperate video of difference between NPS and OPS (Old Pension Scheme). And also educate us to understand that which one is better.
Definitely old pension scheme is far better than NPS. NPS is scrap shit for Govt employees. BJP is known for anti govt policies.
OPS is better than NPS. OPS gets pension as per your grade and almost no deduction from your salary while employed. NPS is your money which govt is investing here and pension is also not good. It is good for govt but not good for govt employees.
@@2441979Dyes correct 👍
@@2441979D OPS is a burden on govt and the tax payers. It is not possible to give free money to every retired govt employee. NPS is a sustainable way to generate retirement pension for govt employees. If you don't want to contribute from your salary then you are lacking discipline.
खूप चांगला विडिओ रचनाजी. खूप धन्यवाद आणि पुढील वाटचालीस भरपूर शुभेच्छा - एक पुणेकर [मुक्काम पोस्ट हिंजेवाडी] :)
Indeed it was very helpful information. Thanks for sharing such good stuff.
The first few minutes of the Video was also very much interesting.
Ma'am I have a question, are the returns from NPS guaranteed? What if someone has taken maximum exposure to equity and the moment he turn 60, unfortunately the stock market crashes?
1.Can I change the amount midway in NPS ?
2. Can I stop investing midway?
Ma'am after the age of 60th
What is the effect of inflation rate in this system
This is the game😂
Excellent video. Thanks for valuable tips.
I just saw this useful video today and it is very informative....thanks for the video....can u help which is more better active choice or auto choice and which pension funds are better
Excellent video 👌 Thanks a lot.
2 suggestions:
1. Comparision of NPS as an investment with alternatives would have added more value.
2. Conclusion was empty. Only information we got was that it was heavy 😃. You may want to summarise and provide a few bullet points.
Meanwhile thanks a lot again for presenting the basics of NPS 👏
Alternative she won't tell as this is sponsored
Hi Ma'am, I have few doubts.
1. Which fund house would be the best among these?
2. Can we change the fund house in future?
3. Do we have to select the annuity plan from the very beginning?
Damn, I checked this channel for NPS literally 2 days ago, then moved to other nps videos.
This lady surely knows telepathy. 🙏
Very nicely and simple made video to understand NPS. Thank you Rachana
Great Explanation and information , thank you for sharing ,One query please , what happens to annuity amount on death , after age of 60 , is it given to nominee
Investing in the stock market is the most common way for beginners to gain investment experience.
The decision to invest is an acknowledgement that it comes with certain risks. Not all investments will do well and some may lose money. However, without risk, there would be no opportunity to potentially earn the higher returns that can help you grow your wealth.
To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal.
Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline.
Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.
who would you endorse ?
I’ll recommend Tamara Diane Hagan for you, her strategies is working for me for months now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy
Today I apologise myself that I was wrong to choose science becoz money is only the thing that taught in commerce
I am a commerce student and believe me they don't teach you to manage your finances.
I think why i didnt learn science subject. All subject are good
Believe Me " Doosre Ki Thaali Me Khana Sabko Accha Lagtaa Hai"🤧
They also don't know
Ohh! even I felt the same.. why didn't I choose commerce over science ?!
Thanks for the video. being employed, it helps with 80CCD(1B), but rather stay away from this & stick to my own investment in mutual funds. I find NPS far more restrictive. Given the bulk is taxed, might as well have our flexibility on how to save & deploy the corpus at our will. Thanks for making this video, definitely useful.
Can you please share maximum investment limit for TIER 1 and 2?
Yeah I also feel it very restrictive. We can not withdraw money till 60 then after that also, we cant withdraw fully. But the catch is tax saving, people can save extra 50K through 80CCD. What is the alternative? How to save tax more without NPS?
I think returns will be more from mutual funds and investing directly in stocks, but NPS gives some kind of security that, not all money is in equity and that your mind will be free from always following market trends etc and the security of knowing that i will not change your mind since I can't break it before 60. Peaceful retirement. But definitely other than NPS, stock or mutual fund investment should be done at younger age
This one video clears all my queries on NPS.
Thanks madam. Very useful information.
Ma'am what if the person passes away in the middle? Will the lump sum corpus be given to the Nominee?
I had the same question
Lol
Mem please make video on dividend record date, ex -date/dividend, book closure date. Please...🙏
Loved the intro... your videos just keep getting better
Very nice explanation. Thank you
Thank You Rachana for your wonderful detailed video on NPS.
'Chilling at some beach at Konkan or Hawaii'...is how every COBRA friend of mine describes a vacation. It's either Konkan or Hawaii and nothing in between...
The downsides I see with NPS is the lock-in for 60yrs and the forced annuity component. People don't have access to their money.
True. One can't have a hold on 40% of their money. Crazy and annuity is taxed 🙏
That's not the downside. The product is designed for that very purpose (to have a "pension"). if that does not work for you and you will need to have all the money then, a product like PPF is good for you or opt for MF
Few pointers as I am still confused what decision should I take between NPS or MF:
1) 60% can be withdrawn and 40% is in annuity which would be taxed but if we invest in MF then even those are taxed for capital gains.
2) And yes lock in period is for 60 years of age but I see a meaning where getting 1 golden egg per day is better than slaughtering the whole chicken.
@@shravanareddy1 can I have both PPF(1.5 Lakh) and NPS(Rs 50,000) ?
@@sushmitgaur8537 yes.
Under 80CCD (1B), we can invest 50k in NPS above the 1.5 lakhs which are done under 80C.
Can we have a similar video on ELSS?? Ur videos are very helpful
Thankyou Rachana madam for this very insightful information
I have 3 questions if you can support
1. What happens to Annuity ? Does the nominee gets the amount after death
2. If subscriber to NpS dies during his period of contribution. What happens to corpus
3. If i have chosen NpS thru employer and happen to switch to organisation where NpS is not available, then what are my options . Will be great if you could shed light of that as well . Many Thanks:)
tHANKS rACHANA JI..... A VERY INFORMATORY VIDEO... ENJOYED LEARNING ...
5:28 Seconds - total amount invested is 43,20,000 not 4,32,000.
Yes correct
Thanks... I was shocked when heard that.
One zero after numbers can make huge difference
As always learnt so much. Was expecting a suggestion as to should you or should you not invest in NPS?
Wonderful explanation..thankyou.. Keep making more videos
Good stuff! Thanks Rachana, thoroughly enjoy your videos.
Question- like PPF, earlier the better applies here as well? Also, if I forgot to invest 50K in Apr, then in May by what date should I invest so as not to loose on that month's interest (is there any such cut off date like 5th of each month for PPF?
PPF is govt backed and NPS is market linked. So I think it won't much affect if you do it after may the 5th. Nevertheless sooner the better coz u have your money invested and working.
@@kushalsharma3718 achha, makes sense. Thans
Excellent presentation and clear explanation. First time listening to you and inspired
I listened your terrible talk on Asset Yogi about investments and not stop myself to link on your channel, you are really great.
Mam you haven't talk about what happen if an employee died before his/her 60 or after 60.
@@sktindia1947 𝓷𝓸𝓶𝓲𝓷𝓮𝓮 𝔀𝓲𝓵𝓵 𝓰𝓮𝓽 𝓪𝓶𝓸𝓾𝓷𝓽
Conclusion: share with friends and family, like and subscribe. Jai Hind!
Great Video. Could you also help with difference between corporate NPS and Individual NPS?
I want to thank you for all valuable information given for common people like us .
GOD bless you for sharing this knowledge. Really appreciate your efforts.
Thank you so much ma'am I'm 21 now I'm planning to start in this from this age so I get longer time, but I have a question ma'am if I initially put ₹10k per month in it and later would like to change it to ₹20k per month, is it allowed?
yes you can change it.
Can I increase my deposit later when there's increment in my salary?
Yes
Came here to type this!
would be really helpful to compare mutual fund with 75% equity option in nps,
for 30% tax bracket one will get to invest 35k in mf and at the age of 60 returns will be taxed by LTCG.
I wonder if it can still be better option compared to NPS as there is better performance in MF and flexibility compared to compulsory annuity...
the compulsory annuity is to future proof yourself, some people make very bad decisions with MF. its like a safety net.
MF ELSS SIP is much better than NPS. Govt is giving tax benefit now and taking away 40 percent of our money. Mandatory annuity pension is same as FD interest, then why to invest in NPS? NPS is for people who know nothing about mutual fund and dont want to learn anything.
I have 3 questions regarding NPS.
1. Upon exit after 10yrs, 20% lum sum on Corpus (my contribution + interest) or only my contribution?
2. What if NPS individual died?
3. Is there any provision to discontinue contribution for certain period?
Hope you will answer/or can make a video regarding.
Thank you so much mam for the detailed explanations it really help me a lot for taking the investment decision
People grappling with the difficulty of meeting essential expenses often encounter this situation due to inadequate savings during their working years. The decisions taken in readiness for retirement carry extensive consequences, as demonstrated within my own family dynamics. Despite my husband and I having equal tenure in civil service, differing investment approaches yielded disparate results. Guided by a financial advisor, We are both retired and still earn monthly from our investments.
Indeed, that's accurate. I'm currently in my mid-50s. My husband and I were on a similar path until a couple of years ago when I decided to shift my investments to his wealth manager. While I haven't quite caught up to his accumulated profits over the years, I'm at least earning more now. I'm generating income even before retirement, and my retirement fund has experienced remarkable growth compared to what it would have with just the 401(k). It's quite amusing.
It's regrettable that many individuals lack access to such insights. I understand why people might become anxious. Insufficient information can indeed pose significant challenges. Personally, I've been able to generate over $25k passively simply by investing through an advisor, and the best part is, I don't need to exert much effort. Regardless of economic fluctuations, skilled wealth managers consistently deliver returns.
*@donaldsimeon8606* I've been thinking about going that route. I have a lot of stocks that I have maintained, but they are beginning to lose value, so I'm not sure if I should hold onto them or sell them. I feel hiring your investment coach would make it easier to restructure my portfolio.
I'm guided by Camille Alicia Garcia an experienced coach with extensive financial market knowledge. While you can consider other options, her strategy has yielded positive results for me. She offers valuable insights, including entry and exit points for the securities I concentrate on.
I've taken the initiative to research "Camille Alicia Garcia" online and verify her credentials. I'm impressed with her expertise, and I've reached out to her to share my financial market goals in detail.
Respected Ma'am
I am State Government employee and My contribution towards NPS deducted from my salary worth Rs.70,000/-
Than I want to know that if I invest in ELSS Rs.130,000 and 20,000/- of above mentioned NPS CONTRIBUTION can claimed under 80c (1,50,000) and remaining my contribution to NPS which one deducted from salary Rs 50,000/- claimed under 80 CCD (1B) for extra benefits of 50,000/-
Please help me to clear that doubt
Thanks
Did u get answer
@@RAVISHANKAR-dh7vb You won't get any answer for such logical question....
All RUclipsrs are making fool to innocent people
Same question comes also in my mind, I think yes but not confirmed by any CA till date
Rachna ma'am must clarify such answer in public interest
the maximum deduction that can be availed under nps (only tier 1) is 50000...whatever extra you put into nps does not qualify for any deduction....so final calculation is 0.5lk for for nps and 1.5lk for other deductions
For example
If a govt employee contribution is 60,000 under section 80CCD 1
Now govt employee invest 1.5 lk in 80 C
So either he is eligible for 80 CCD 1 (B) automatically
Means his own contribution of 50k out of 60k will count under 80CCD 1 ( B) automatically or govt employees have to invest extra 50k for benefits of 80CCD 1 ( B)
Can't imagine mhatarya rachana mam😂
Thank you Rachana for the valuable information.
Thank you👍
You already told your birthday in one of the IPO analysis video (I guess craftsman automation)
True subscriber.
This is really a great video, but as for me I make huge profits on my investment since I started trading with Mr Harry Webar
Same here, I made $12,400 profits on investing since I started trading with Mr Harry Webar his trading strategies are too notch am winning consistently trading with him. He's really the best broker, I've made a lot of profit investing with him.
I heard a lot of investing with Mr Harry and how good he is, please how safe are the profit?
I trade with him, The profit are secured and over a 100% return on investment directly sent to your wallet.
😭 I've seen a lot of recommendation about Mr Harry Webar, Please can I have his info? I want to invest 2,000usd with him.
Send him a direct message👆
Appreciate for the information.. it was insightful...
Thank you so much rachana mam,the way you explain layman like me can understand,, continue with such informative videos
this is wonderfull information, i am thankfull for finding your videos, how to select fund managers,?? please tel me
Really it was nice video for knowledge about NPS. Great.
Awesome explanation
My sincere infinite thanks to you.
thank you madam for this valuable information. my question is how to choose pension fund manager or where to check pension fund manager performance.😊
Thank you Ma'am for providing so very useful information. very fruitful knowledge.
Loved it maam, when you mentioned the dialogue from "Natasamrat"...
Very clear video, good knowledge on Finance.
Please make a video on " Should I invest in NPS or not? "
U r fabulous...nps is tricky for me but now...i understood ....thanx alot...nicely explained by you...
Hello Rachana, thanks for sharing detailed video. Can u confirm till what age we'll get pension after Maturity?
Excellent Rachna, Many thanks 👍👍👍
Amazing Video...Thanks Rachna Ji for such detailed content,you have you own way of creating, which is really good.
Thanks mam for your lucid presentation. It was really very helpful
Thank you so much Rachna your videos always very useful and worth to watch👍👍
complex process explained in a very simple way.
Thanks🙂🙏🏻
What is safest to choose? Aggressive, moderate or conservative?
that start was commendable, SALUTE🙏🏻
so the conclusion for common man, is NPS GOOD or BAD ? which type of mode is good. thanks
Very nice video, explained things in concise and (for the most part) in simple ways, thanks !
Mam as am investing in NPS since 2014 . But still I had some doubts of it how actually it works n all. But thanks for the wonderful video on this.