How can you get BETTER returns than FD? Where should you Invest? | Every Paisa Matters
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- Опубликовано: 4 авг 2022
- In this video we will talk about investment opportunities which give better returns than Fixed Deposits.
For many years, bank fixed deposits have given quite good returns but now the interest rates have fallen and thus the returns are very poor and cannot beat inflation. So what other instruments can you can invest to get better returns in these challenging times.
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Post Office Saving Schemes Details - www.indiapost.gov.in/Financia...
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Super informative thank you so much
खुप छान महिती आम्हाला दिली आहे
Best explanation. Good.
Good knowledge shared
अच्छी जानकारी दिए हैं
Very smooth way of expression
Very Good video sir. 👍
Very informative video. Very Helpful. Thanks for this video 🙌🏻
Thanks sir
Nice video
Hi Amit, iam happy to see you in RUclips...
Thank you
Great video man!❤️
Amazing quality!
Very Nice information
Sir abhi bank interest rate higher so can we look bank fd..what ur suggestion
Mutual Fund AMC are calculated their returns on the basis of number of trading day... not yearly ..why???
Siddhi Baat No Bakwaas Great Video Sir... Keep Growing...
sir assume if you must jobs people not getting so from investments only life needs to be lived basis then what specifically .....?
Sir, PPF Scheme ke bare me bataye Indian post wali, usme kese kya hota hai❓️
Which is the safest platform to invest money where we get better returns with minor risk...plz rply
Thanks a lot. Subscribed 🙏
Common Fd rate of some banks
Union bank -7.25%
Bank of india-7.25%
Rbl bank-7.55%
Indusland-7.25%
Idfc-7.25%
Federal bank-7.25%
Au small finance bank-7.9%
Pnb-7% (for 600 days of fd )
Thanks buddy
Already post office investment is available online through indiapost ebanking.
Very valuable info sir..👍👍
Good video sir...NSC interest rate is 7.7% pa... please check..
NPS kahase milti hai ELSS k bareme bataiye ki ye kaha milti hai please bataiye
Thanks for this video... exactly what I am looking for from past few months.
Need partnership project cost : ₹30 lakhs money arranged ₹10 lakhs, money need ₹20 lakhs. minimum total profit ₹ 30 lakhs and maximum total profit ₹90 lakhs. low risk.
Very useful information.Thanks.Pl. show the video in.Lic .one time investment for kids.
Its a bad decision!!!
sirji bonds ke baare mein ek alag video banaiye.........
How about investing in Balanced Funds ,in MF.Which fund houses are better to invest to get a regular income.
Its good to invest in Balanced Funds though each Mutual fund come with risk albeit different for each type.
But by simply investing in a fund, you won't get the income. You will have to plan for systematic withdrawal as well. Will try to cover it in one of the future videos.
Near Post office is very hateful so I don't investment on post office. Thank you.
Hi sir, can I submit 15g form for the post office fd 5years .
2:14 us intrest ko kis tarah show kar sakte hain? Will it be under 80c do we have seperate column for that?
It will be under 80C
What is best for a person who is 43 ?
Debt mutual fund like liquid and Banking and psu are Tax efficent and fd NSC are not tax efficent
So basically ye pata chala hai ki peace of mind chahiye toh chupchap fd me invest karna sahi hai jo filhal 7.5%(ICICI) dera hai jo March tak 0.50% aur badh jaega.
Fd ki rates toh ab badh gaye hai toh kya inn baki schemes ki bhi interest rate badhi hai?
Govt should provide online access for post saving, nsc, kvp. Many dont like to go to post office
Then make ur investment thru an agent.
Already started
POST OFFICE NET BANKING SERVICE ALREADY STARTED... YOU CAN INVEST WIA NET BANKING OPTION...
@@shubham6136 net banking only for RD. Not for any other investment. That too for opening RD we have to go to PO.
IPPB has option such as PPF online investment, sweep in sweep out to ur DOP account, SSY, RD
Floating Bonds for juniors and ELSS for seniors
Very informative vedio...sir please sovereign gold bond par vedio banaye
banaye huye hain. channel ke naam se search keejiye, bahut milengi
@@EveryPaisaMatters ok sir
Sar Mera age 32 years hai Mera income monthly 15000 hai mujhe kahan invest karna chahie Koi sabse best scheme bataiye Mujhe please sir
Will please come out with various schemes applicable to NRI investors in India ?
NRI's should consult a Financial Advisor to ensure they do right set of investment.
Amit which video editing software you use ?
Adobe Premiere Pro
Sir any scheme for handicap people?
Pnb very good fd 6.6 for senior citizen @ 405 days and if u are pnb employees then 7.75 for 5 years and 6.75 for senior citizens no tax
pnb 7.75 ho gya 666 days aab
Sir lumsum only 1 year me kabhi bhi lumsum amount daal sakte hai us k liye kya best hai and kidhar zyada returns hai please reply
Sir aap ko yearly aap higer rate of interest chaiye toh plz sand me ur no
Sir ek video NRO account vs NRE account pe banaye. Dono mein se kaun sa better hai?
Sorry sir, not my area of expertise. 🙏
@@EveryPaisaMatters OK thanks for reply
But if we withdraw postal FD prematurely then only SB account interest is given.
Need partnership project cost : ₹30 lakhs money arranged ₹10 lakhs, money need ₹20 lakhs. minimum total profit ₹ 30 lakhs and maximum total profit ₹90 lakhs. low risk.
Sir, abhi bank apna FD interest rate increase kar rahe hai.
Kya hame purani bank FD that booked in lower interest rate ko break karke new fd interest rate par karni chahiye?? Please reply
Good Question - Next Topic on this video 👍
Sir, mere father ka pension money 3sal tak lock in kar sakte hai..kaha pe dalna accha hoga?short term 3sal ke liye
Pension money 3 years - best is bank FD. See if you can do for 5 years as aaj kal kuch extra mil raha senior citizens ko agar 5 years ki FD karwate to...
@@EveryPaisaMatters okay sir thankyou for your reply...fully appreciated
Sir if I do fd for 3 year than when I have to pay tax? Every year or after 3year on interest
After 3y
I’m beginner so asking a question which might look silly, what is atc expemption? And what kind of tax does post office fd attacts? I am an nri and want to omvest 500k should for a year or two(atleast at first time one/two year) should i imvest it on my name or on my parents name?
It is not ATC, it is deduction under Section 80C of Income Tax Act. Maximum 1.50 lakh worth of deduction is available from the Gross Taxable Income, for investing in the specified investments like NSC and PPF
My relative got retired with age 60 and got around 40 Lakh as corpus and getting the government pension monthly around 30k.Where we should we invest the money ? We don’t want want to invest full money in Payout option like SSCC, RBI bonds,and want to invest in instrument so that money grow with compounding.
So, you don't want any more pension but just want to invest the money?
When do you need that money by?
Can u explain mutual funds tier one tier two ulip equity debenture
Send me links please.
What link to send
Sir 12% club kaisa rhta h trust kr skte h isme or mobikwik me bhi 12% intrest milta h ye dono kaisa rhta h invest ke liye ?? Please sir reply 🙏🙏🙏🙏🙏🙏🙏
Check my videos on P2P lending and 2 videos on 12% Club.
How to pay tax for the interest you earned from 12% club application? Please help.
Show it as income from other sources, calculate and deposit as advance tak
Sir post office NSC pe jo interest earn hoga uspar tax/tds lagega kya ?
No TDS on NSC but tax lagega.
@@EveryPaisaMatters
Thank you Sir for the solution
Sir,is post office as convenient as bank? online hai working?I don't want to go to post office every time I want to deposit or withdraw.kindly guide🙏
ऑनलाइन नही है भाई । जाकर ही सब होगा
Post office is for retired people or pensioners as they have enough time to visit there for every small work,, so not much if use for younger people as nothing can be done online or intercity
@@ramangarg9990 I believe a lot is Online now. Can't you open an FD online via Post Office account?
@@EveryPaisaMatters I didn't know, thanks for updating
Post office is bit slow
sir , how safe KVP is ?
It is offered by Government....
5 years ke liye 15 lakh lumpsim Quant small cap mutual fund me invest karta hui & 5 years ke liye liye 15 lakh Senior citizen me invest Karu jisko 3 years extend karta hu ( total 8years investment karta hu) to kisme fayda hoga?
No point in speculating returns from a Mutual fund.
Can I get P2P detail information without registration or log in? Like jese aap data ka analysis karte ho bcz this is my research topic.
Check my playlist. Created many videos.
@@EveryPaisaMatters Thank you
Nps tier 2 ke upar video banae sir
Banaya hua hai sir. Please check the NPS playlist.
Sir which is better Nifty 50 ETF or Nifty 50 index Mutual fund?
Etf
@Ranjit Tyagi etf no expense ratio. Can be bought and sold instantly.
Icici prudential fd
Sir, kya starting mein aap SCSS ki baat kar rahe hain ?
Nahi, maine shuru mein FD ki hi baat kari thi....SCSS ki nahi.
how to rebalance in NPS
My full NPS Playlist - ruclips.net/video/QTVlHtv73ow/видео.html
all the small finance banks are giving more than 7% interest on fixed deposits...they are under rbi
7% interest only if you keep more than 25-50 L.
But DICGC insures only upto 5L
NRI ke liya investment in india kha pe better return mil sakte hai ek vedio bana di ji thanks
Ok Ji
The post office people will make you cry
STILL PPF,NPS ARE BEST.FOR GIRL CHILD SUKANYA AMRIDHI IS BEST
Post office ki ek sabse achhi bachat ki scheme h kvp jisme aap ne koi Prakash nahi data jiska interest rate v achhi h
Kyunki uska lock-in period 10 saal se upar hai....
Sir pls review bonds by wint wealth. How would you consider it's riskiness. Is it more risky than certificate of deposit or less?
Nioted. Will Try to do.
PMVVY is very good scheme for Sr citizens. Current return is 7.66 %. Int is payable qtly, half yearly & yrly. Highlight also.
Is ELSS mutual fund, comes under EEE?
Well it does not, but if your gains are less than 1 lakh in all Equity related instruments, then its exempted (as per Income Tax Laws)
PMVVY LIC KYA HAA ISAME BHI INTEREST JADA HAA
Poora video mere channel pe hai...plz chk karein
Govt scheme mai invest low risk. Lekin kuch employees are very dangerous. Hateful nonsense employees. In post office
Sir, I am 52 yrs....is it advisable to invest lumpsome in NPS....? How fast can I expect to start getting the returns or say, pension after such investment ? Thanks
What is your purpose of Investment in NPS now? is if via corporate or your own?
Sir bajaj finserv ki fixed deposit pe review kijie
Watch this video - ruclips.net/video/npyzZazZAsM/видео.html
Hello. Thank u so much for such nice info. Started nps last year with an aggressive plan. I am 38 now. Should i keep it aggressive or moderate ? Kindly give your valuable suggestion
Before choosing any investment, please agree with your risk appetite and investment horizon.
High Risks can give Higher Returns as well as Loss.
Typically, anyone young (25- 35) should keep aggressive portfolio and reduce equity exposure as you age further.
Personally, I believe to keep higher equity if your retirement is 15-20 years away as this gives advantage of taking benefit of equity investment.
Hope this helped and not confused you 😊
@@EveryPaisaMatters thank u
@@EveryPaisaMatters Sir which is best from PPF or SUKANYA SAMRIDDHI ACCOUNT ??
@@samshirjagrala3491 SSA has better interest, but the money you put in SSA is not yours anymore
@@sachin1825 Tax benefits will get to me or girl child ??
Sir SBM bank ma fd karlo, har mahina 7-7.25 da data ha toh kyu post office jay.
Aapka paisa, aapka risk, aapki marzi.....
@@EveryPaisaMatters Sir risk ki baat nhi ha, state Bank of Mauritius is highly active in India and also FD is secured under Deposit Insurance and Credit Guarantee Corporation (DICGC) government of India.
@@liferocks2996 I am not saying its bad or good. I am saying, your money your choice.... 😎😎
Please do not touch your spectacles every now and then...It looks very bad & irritating...bdw very nice video. Keep on! Thanks.
Naya naya lagana shuru kiya hai. Still to get accustomed to it....thanks for feedback.
Nice information Sir. Thank you.
I have one query. I had invested 75000 in KVP (post office).For this scheme, maturity amount will be the double of invested amount. How much tax will be deducted from the return (interest earned) ?
On internet it is given that TDS of 10% is deducted from interest. Please provide your helpful insights. Please resolve my query.
Yr CA will tell.u ..sitaraman changed rules..
Ram Ram ji
🙏
Bharati AXA Life Elite Advantage Plan is committing 11.88% guaranteed return after 12yr, is it true?
How much is the premium?
Can you share the calcultions or whatsapp screenshots of what has been shared with you at contact_epm@icloud.com
सर पोस्ट ऑफिस के एफडी के रेट बढ़ने वाले हैं क्या
शायद। बाक़ी समय बताएगा।
Is AU Small Finance savings bank account a good option if we have 25-50 lakhs spare cash?
😇 Big Cash in Small Bank - Baat jam si nahi rahi.....
Apko SIP ke bare me batana chaye
Mutual Fund SIP? Thoda share keejiye kya batana chahiye?
Waise maine channel pe Mutual Fund ke upar kayi videos daale hain.
@@EveryPaisaMatters Apko Sip with index fund ke bare me batna chaye
sir ELSS has no LTCG tax. its gains are tax free!
Benefits from ELSS are taxed under LTCG. Read this for more details - groww.in/blog/ltcg-tax-calculation-for-elss-mutual-funds
आरबीआई फ्लोटिंग रेट सेविंग बॉन्ड कहां से परचेज कर सकते है ?
Apne bank ke site me jakar
Sir please review Shriram Transport Finance Company. They are offering inflation beating FD returns. But the FDs are not insured under DICGC. I would love to hear your views on this FD.
And can you please tell me whether there are any NBFC who have inflation beating returns and who are insured under DICGC?
Video released on the same.
ELSS ? better one option
It is a good option to Invest in Equity as well as get Tax Benefits....
Good content, I think SGB should also be part of this list.
Sir, pl discuss about ELSS in detail.
Noted
@@EveryPaisaMatters Please make a detailed video. I am confused with the lock in period of 3 years, every month Sip is locked for 3 years?? Then how do you see the returns? Sorry for my half knowledge but really confused.
Thanks
@@shwetha9617 use IRR formula in excel, nd yes every SIP is locked.
Ppf is the best sceme
Could you please suggest something for NRI or foreigner or OCi people
What are you looking for?
@@EveryPaisaMatters I am nri I want to investment option in india so I can retire in 🇮🇳 I have oci and British passport
@@ashaynakhate5845 Send in your email ID/contact details at feedback@everypaisamatters.com I will ask someone to get in touch with you.
Thank you I have send you an introduction email
Can i invest 10 lakhs in mutual funds ?....?
you can invest as much as you want...
Nicely explained 👍Sir you have covered almost all the safe Schemes available in the present Scenario. Sir, Sovereign Gold Bond RBI Scheme is also one of the good option depending upon the availability of SGB rates at lower price 🙏
Thanks for your comment. I have created exclusive videos on SGB including their return calculations which no one has shown. 🙏
Great video Amit. All financial assets covered. U missed EPF but maybe it's not for all. So u didn't cover.
I have below 7. My favourite is NPS and EPF
FD
NPS
MF
PPF
SSY
NSC
EPF
EPF is something that comes specifically for people with Jobs. You cannot invest seperately is why I did not cover.
@@EveryPaisaMatters my NPS xirr now 12.0% how about you?
@@shivajisingh100 About Same.😊
But I don't look at them every day, I review and update data once a month.
@@shivajisingh100which is a fund manager?
@@anilsonkar5554 SBI
How to withdraw Money in NPS Tier 1??
You can do that after 60 years of age via Online request. Before 60, withdrawing is of no use for many people.
Very long period😑
@@tricksandtips2099 It is a scheme designed for retirement. It mandates longer period to help people save for later.
Ppf post office me khol nhi paya. Kaha ki 2officer sahiye . Av taq nhi aya ... Bawla ho gaya hu ...
Open in any Public sector bank. Its much easy there.
Sovereign gold bond
It is a very good option to Invest in Gold in Digital form and it also gives regular returns...👍