Відео

NPS has lower return than equity.. only negative

Truly insightful conversation. Very matured and experienced personality the way in which answered each question.

Great insights, Manish. It was truly an open and honest conversation, providing valuable perspectives throughout.

Jackson Charles Davis Karen Lewis Carol

For someone in 30% income tax slab, returns are highly inefficient.. In equity capital gain is only 12.5% after 1 year..

Williams Larry Walker Edward Moore Ruth

While financial rules provide valuable guidance, some rules, such as rigid budgeting ratios or absolute prohibitions on credit card use, are meant to be broken or adjusted to accommodate individual circumstances and achieve long-term financial goals.

very similar mind I have with Sir's. Investing into purely 70-80% in mid and small cap MFs. And, won't be doing it for long, just for around 10-15 yrs. And when i would have a bigger corpus, i will learn to sustain and grow that bigger corpus for the longer run.

Would you ask a fisherman if you should eat fish

Tell me simple thing where will the money go if I die before the 15 years

Awesome Info !!!

Thanks ! Valuable information on NPS in simple and easy way

Good

Good one. Thank you for the detail advice👍

Nice

Khup chan

बरोबार आहें 😊

Don't trust them😢 Don't trust them😢 Don't trust them😢

Thank you for bringing such interview. Keep up the good work! Please also tell how to invest in platinum, other than buying the physical one.

Very useful information about investment, well said, true, thanks for both of you for your information

When annuity cannot beat FD why should any one invest? Why is government helping these businesses? Is it just for the taxes that can be squeezed? After listening to the whole episode i get that feel of wineyard owner talking of health benefits of wine. If there was no tax exemption of 50k its a no brainer to invest or not.

The max amount that one can put is 50k.. right?

40% annuity that too taxable is a huge problem. The younger generations are not dumb to not know how to manage their own money. I trust myself more than some stupid insurance company to handle my money

Government focussing to move all salaried to new regime. So the first advantage of NPS may not be valid after certain years. So i see NPS is useless product.

তোর ব্যাখ্যাটা ভালো ছিল।

Good explanation... thank you sir

Why tire2 withdrawal is not taxing just like other MF at 12.5%? Why are they charging basis on our tax slab? Are there any chance that govt would change this tax scheme for tire2

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?

With out a good customer services Vibha ji its very hard to trust, any more , please take up with your team to make a good customer services who give timely support to customer not harassed to the sr. Citizen by sale policy for small commission.

Don't do NPS. Withdrawal is a painful process. Too much time consuming in this day of technological advancements

Start early to leverage the power of compounding, making it easier to reach your retirement goals

Why liquor is good for health, in talks with liquor dealer

We all spend first and then save/invest, if at all, the balance…can’t grow money like that…Well said!

Ultimately financial planning should be done keeping the basics in mind..investing regularly and regular portfolio monitoring. We do hear this all the time but coming from an industry leader just reinforces this

Rightly said.. discipline is the key..true before and after retirement...boond boond se ghada bharta hai..but one has to sweat out the boond (drop)

Great insights from Vibha Padalkar on the importance of structured financial planning! In today’s ever-changing economic landscape, having a clear roadmap for our finances is crucial. It’s inspiring to see leaders like her emphasize the value of disciplined financial management.

So well-spoken! So true! Retirement is not the time to worry🎉 Planning is needed!

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.

Investing within the NPS framework is crucial for maximizing returns and securing a comfortable retirement.

Diversify your investments to ensure steady income streams and create a sustainable withdrawal strategy.

Nobody can time the market! So true. Someone said it!!

Compulsory 40 percent investment in low yield annuities is the biggest catch and the biggest negative....

The host asked very good questions you can understand she did real research for this interview. Good job!!

Also what people don't realize is that the government has an interest in making NPS successful, so over time it will be made even more attractive. We have to see in which direction the wind is blowing. If there are any negatives with NPS now, they will be removed gradually.

You can't have something locked until the age of 60 where most people in most of the industries can't work after 50

Great & simple answers to some of the difficult issues of a working person! Thanks for this insightful podcast!

MLA mps first should be retired with NPS. Bokbas

Very bad scheme. Ppl dont have money for childs education, why would they want child retirement 😂

Don't believe on nps it same like sgb. When actually you are about to get amount you will come to know that you have to 30% tax on entire corpus. I personally dont believe on any govt after this year budget announcement. All govt schemes are just frauds

Serious sa chehra bana ke logo ko murakh banate raho. Wah modiji Wah!!