🔴NPS vs PPF🟢 | Which is a BETTER retirement plan? LLA NPS Ep#2 Financial Advice
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- Опубліковано 29 вер 2024
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PPF and NPS, both are lucrative saving schemes. To know a parameter-wise comparison between PPF and NPS with respect to tax benefits, maturity, corpus, and a final conclusion, watch this video.
Learn the important differences between NPS and PPF:
National Pension System (NPS) detail video: www.youtube.co....
Public Provident Fund (PPF) detail video: www.youtube.co....
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Chapters:
00:57 NPS Vs PPF Comparison
02:18 Eligibility
02:38 Minimum investment
02:43 Maximum investment
03:04 Returns
04:31 Lock-in period
05:06 Fund management
05:43 Tax benefit
06:53 Extension
08:00 Premature withdrawal
09:01 Maturity withdrawal
09:31 Expense ratio
10:12 Security
10:54 Risk
11:30 Account opening
12:02 Employer contribution
12:40 Our opinion on both
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It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
If you’re new to investing or have a more complex financial situation, It can be helpful to work with a financial advisor who can provide personalized guidance and help you make informed investment decisions.
On the contrary, even if you’re not skilled, it is still possible to hire one. I am a project manager and my personal port-folio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my port-folio this red season. I’ve made over $150k since then
Due to the market falls, I need advice on how to rebuild my portfolio and develop more successful tactics. Where can I find this teacher?
Sharon Lee Peoples is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
arey bhaiya like wali baat bolke dil na dukhao, is channel ki video dekhne se phle like hoti h ❤️ ANDY bhaiya ki jai
Sir ppf k liye ek latest video baniye, q k kuch din pehele meri baat ek Bank manager se hue, wo bol rahe the ki ppf k paise m v tax lagega. Mujhe aache se jaana h
Nicely explained.
Although I have one question regarding NPS Annuity.
how will be the pension be decided of the remaining 40% of the amount. I mean what will be the pension duration? 1, 2, 3 or 10 yrs? Who will decide that?
First think , in this kind of situation you will be alive for 60 years or not , then think about pension
@@travelvlogs9050 your response is totally absurd
Hi ,there r 4-5 criteria under which annuity algorithm works , which u can see from NPS Site
What will be balance 40% annuity after death of pensioner? Is it refundable to nominee or nominee will get pension?
You have both options to choose from.
there are lots of changes happened in NPS, like we can set 75% in equity till retirement, and many more. can u make a fresh video
Hi Sir
Need your suggestion.
If I have 1.5lac already occupied with different options without NPS in 80c now if I invest 50000 in NPS & then can I get benefit additional ? (1.5 + 50k)
Any answer to this?
Yes, you can.
Yes
Sir... NPS बहुत ही खराब है मैं यह मानता हूं. मै government sarvant हूँ. अगर NPS सही में बेस्ट होती तो सरकारी कर्मचारी द्वारा NPS बंद करणे & दोबारा पुरानी पेंशन शुरू करने के लिए आंदोलन नहीं करते. & old pension दोबारा शुरू करने के लिये कोर्ट में केस दाखिल नही करते.
Absolutely true. Agar yeh itna hi accha hai to political log ko bhi lagaya jaaye
Kisi bhi developed country me roi hardly 2% he to future ki dekhe kal ko ppf ka roi kam ho gaya to kya?? isake against insurance me 6.30% tak roi mil sakata he vo safe he isale bare me apka kya khyal he ?
Sir PPF,NPS,Sukanya Samridhi Yojna ye teeno me ek sath account open Kara sakte hai kya?? Mujhe teeno me invest karna hai toh mujhe teeno ka benefits milega ya sirf ek ka?? Ya sirf koi ek hi account open Kara sakte hai?? Please help me 🙏🙏
You have not covered tax on 20% of withdrawal if withdrawing full 60%.
क्या कोई व्यक्ति पीपीएफ और एन पी एस दोनों में खाता खुलवा सकता है ?
आपका nps वाला लिंक नहीं खुल रहा।किस पुनः उपलब्ध करवाएंगे।
Jb tk apna Adhaar Card nhi dikhaoge, hm nhi maanenge ki aap 25 saal ke ho 😅
Epic one when you said mein 25 ka hun please vishwas kijiye! 🤣🤣 4:46
At 25 I was an ignorant fool 😂 🤣 especially concerning financial markets/investments/savings and all. You are great bro. Subscribed to your channel long back 🙂
Are wo sab thik h but ye btao NPS me paisa daala ki nhi
लालच बुरी बला ppf हमेशा से सुरक्षित है और सुरक्षित रहेगा लालच करोगे कुछ भी नहीं मिलेगा
Bhai mein Biswas nhi karta ki u are 25 yrs old ,, u are just 18 yrs old 😂😂😂😂😂😂
Hi, pls do comparison between Atal pension yojna vs NPS..
My nps portfolio returns is 11.75 even after market fall as I had switched from auto to active and selected 100 in government bonds.prefer lic in tier 1.
Online ya offline kahape benefit jyada hai??
tier 1 me kaise change kar sakte he
60% mein se 20% taxable on nps
I watched it repeatedly 12:52 fir bhi man nhi bhara😂🤣
Thanks for comparison video. Can you make video on Digital Gold vs Gold Bonds and also there is no regulatory body in digital gold investment also there some limitations of years of investment , delivery/making charges ... So which should any beginners choose as we have only few amount of money to invest in gold .. Please 🙏
I have both PPF and NPS...combined for 80c and 80cc1b benefits
Both are good. Open PPF to save tax under 80C. Open NPS to get Tax benefit under 80 CCD where you can contribute upto 50K + 10% contribution of basic salary by employer.
Akdom theek.... Amio tai korechi
Since there are many options to fill up 1.5lakj quota in 80C , I think it's better to go for nps...
You should not base your retirement planning on tax saving aspect.
Is it possible to open both ppf and nps and is that wise ?
@@doctron14
Yes
मनदीप पाजी तुसी ग्रेट हो, आपका जो बात करने का और समझाने का स्टाइल है वो बहुत ही सुन्दर और धांसू है, Keep it up 💪 पाजी
Thanks paaji
Start watching from 02:30….✌🏼
@labourlawadviser my experience in nps is not so good in case of equity exposure. So 10% is not achieved in nps. It is around 8 to 8.5%. Even when i have switched the fund manager still equity part is not handled well. So it is better to choose govt n corporate bond 75%
10 year average returns in Equity in NPS is 12-13 percent.Lower returns might be possible in initial few years but once you cross 7-10 years, that's when one reaps benefits of an equity instrument like stocks or mutual funds or NPS
Sir, kind request to calculate tax deduction part for the NPS annuity and compare theTowards the end of calculation. Please add that in video or make new one for better understanding of Returns.
Stock market has never given return of 10% in long run, this is a lie spoken by thousand times, by thousand people in thousand ways so it looks like true. Hence NPS return is more speculative than reality.
Lol
Ignorance will destroy you.
Sir,
57 ke age me agar Koi Mahila Women NPS account Open kare aur
After three years Matlab ki 60 ke Age ke baad wo Withdraw kat sakte hai kya ?? Bataaya, yaa kisi
Ki Mummy 58 age ki hai hai toh unke unke name name par NPS account kholna sahi hoga ? Do, teen saal keliye .....? **👈👈👈???
Thanks for your information aur han aap 25 saal k ho maine bhi man liya 😂☺️☺️
Its very good to see that guy of our age is having so much knowledge about self-finance. And I liked the bakchod style of explaining things. we can relate more like that. :P
Haha thanks bro
Gotta keep the life interesting 😉
He looks older and not 25 certainly.
@@Aman-jl3sy haha yup
@@sachpoint6822 yes.He should 33 minimum.
Congratulations, you have earned 1 new subscriber 🤘
Bhai NPS is a worst Nightmare for Govt Employee
If someone passes away after investing in PPF (Public Provident Fund) and NPS (National Pension System) for 10 years..What will be the next action? Is the total amount transferred to the Nominee or the declared heir? or what's the next process. that's the most important point that hasn't been explained here. @Labour Law Advisor
Apart from your quality and educative vedio , you have a good sense of humour too.
Sahi baat
Vedio nahi vidio hota hai sahuji
Ok both incorrect. Correct spelling is VIDEO. 🙂 Important is information shared in this video is highly appreciated.
It's masterly comapred ....
Mandeep we can open PPF through online because I have done that through my HDFC account
Yeah i meant via bank, mistakenly implied offline but online is also available on bank's website
i hold account in HDFC but i dont see any option to open PPF account online. Can u share more details?
@@nihalshetty3162 logon to your online HDFC account and there you can see an offers tab in the right side top
Mai 25 saal ka hu, lagta nahi lekin vishwas kijiye.😂😂😂😂
Watching this in 2023 and realizing How Beautifully the difference is shown and helping beginners understand it easily! Kudos to LLA Team for sharing such knowledge!!!!
Excellent Video.. Just for Private sector employees falling in 30℅ tax Bracket
We can take advantage of 50k tax benefit and invest only that amount in NPS rest all better invest in index fund which normally gives 11℅ return in longterm.
Atleast during retirement You have full amount with you to do whatever u want. In case of NPS if u retire at 60 only then u get 60℅ and 40℅ goes in annuity plan. If u retire before it then 80℅ goes in annuity which is really a big catch and amount is locked. Let me know your thoughts on it
How much to put in NPS then
Very good job , keep sharing such ideas
Sir, agree your index funds will give 11 % returns, then you will make a corpus of xyz crore.
But what you will do to generate monthly / annual income from that corpus.. Plz suggest
@@beemavala7535 If you have built huge corpus there are multiple ways to invest it and get regular income.
Some good dividend Yielding stocks, some commercial Property, Good debt or Senior secured bonds can give you stable income. With huge corpus you will get multiple avenues to invest.
@@vishnumahale116 what is your view about annuity plans which offer approx 6.4 % after 2 year of deposit. And this pension is guaranteed for life time and after pension corpus is returned to Nominee
आपका ppf and nps का फर्क विश्लेषण बहुत अच्छा लगा। मैं खुद Nps employer हुं। और आपने मेरा nps के बारे में जो negative द्रुष्टिकोन था वो बदल दिया। आपको बहुत धन्यवाद।
Nps salary se katne ke baat kitne time me nps account me dikhta hai
Aur govt kitna dete hai apne taraf se
In comparison nps return is variable(even a year return can go in -ve), while ppf is fixed.min@7.1%
You can choose age based management or gsec
@@ratneshtripathi8461 Le liya tau
In NPS return can go up to 20% also not only zero % evrytime.
Bhai it's average yr return for a period of years since it started till date...
True 👍
Hii..If a person who has completed maturity and is on annuity,expires at 70, will his wife (who does not have NPS) continue to get the annuity benefit, like a family pension ???
That depends on the annuity plan they have taken. Some plans offer pension to spouse and even kids, after the death of NPS holder. Some plans don't offer this, instead they offer increased pension
@LabourLawAdvisor, the link for NPS detail video in description is showing that The Video is not available. Kindly update the link for viewers.
Thanks for great work and sharing insights of financial world!
Lol, technical guruji reference made me laugh, its weird no one noticed hahaha
🍷😆 Ya did you see Guruji's face pop up suddenly. That was a surprise! Like what is he doing here?
Can we pay variable premiums in NPS higher than 500 INR. I mean in one year 12,000 Rs another year 18,000 Rs ... is it possible to pay this way in NPS ?
Yes
There is no upper limit.
Check video starting part.
PF is best
Low risk
15 yr locking
50% can withdrawal
sirji Best comparison with NPS, PPF. I am 57 age Govt servant can open both PPF & NPS directly from Bank without govt.
Initial comparative explanation was clear, but final calculations on returns were assumed,
Every investment has it's pros and cons
PPF is very good Option for various reasons
Nps, I can see
1 entry level extra tax saving
2 as locking period is longer, so can get moderate returns ( no guarantee of 10% 🤔)
Sahi parke hai. Agar upka 60age may govt finnalcial growth kam hota hay matlab market low hota hay to upka paysa sayad se gaya
@@amlansain3610 Debt ka component bhi hai usme. So it's not gonna crash
10℅ interest rate on NPS all you are claiming is unrealistic not excepted from LLA
10 year return on C and G component in NPS is 8 percent.
10 year return on E (equity) is 12-13 percent.
So average returns will be 8-12 percent based on the percentage in Equity (Max-75 percent equity)
Awesome bro, Please clarify one more point, In private sector we already have (EPF + EPS) contribution, If we still invest in NPS then how all these will mange after 60 year in pension because we already contributing in EPS for pension
According to me for government employees ppf is best & for pvt employees nps is better
Hello ... Good day!! Your explanation of subject is too good... i beleive everybody can understand easily with the facts you presented ... but one thing is missing in whole episode... if the NPS account holder may death before to attain the 60 age then what would be options are available for nominee.. request to you please explain the same as well....
Can you also tell after including inflation for next 35 years what will be value of PPF/NPS maturity amount in todays value.
Dear Mandeep, Pl make a video on ideal division of investment amount if one wants to invest in all of them like how 1.5 lakh should be divided between NPS, ELSS, PPF, LIC, medical health insurance etc.
Well it should depend on your tax deduction from 80C and you retirement corpus needs....... For example if your 80C bracket is full then you opt for NPS for 80CCD and so on so forth
Content + Humour is so good in this video 👍
Hehe thanks man
The
Same
Thing. Is
Super 😘❣️❣️ and. I. Like 👌🥰 and
Yes. I like it 👑😭❤️💖
👑❤️💖
I have both ppf and nps so is there any problem of that.
No. I have also both.
Thats the best option . Me too :)
no matter how much you invest in NPS, never ever forget to invest full 1.5 Lacs in ppf....the only government scheme that's actually good, apart from sukanya samridhi yojana....I would suggest to contribute in NPS, only to save your taxes, to invest in equity, invest separately.
Yo !
The tax benefit is limited to 1.5 lakhs as of now, PPF, PF, Insurance, NPS etc. included. Only NPS gives another 50000 tax benefit. Yes, for better returns, investment or trading or a combination in equities, mutual funds etc. is desirable.
U mean we should invest 1.5 lakh in PPF
Nps me 10 saal rahne bad retirement hua aur pention mil raha hai......800/- .... Nps is very bad only OPS is good.
u r right
Wo retirement nhi hai. Premature exit hai...
@@subhajitkumar5431 right brother NPS bad for government employee.OPS good for government employee.
@@lovehumanity1332 APY Good for Govt employee
@@lanubhor1763 apy is not for govt employee
Good that you have kept closed captions ine English..
Hi Mandeep ji, Really good one for me. Thanks. Subscribed you
Beautifully explained. Can you give calculator link of PPF and NPS
the interest on ppf is calculated quarterly while at the end of of video where you show calculation of maturity amount for ppf you have taken annually.
No. Interest on PPF is calculated based on the monthly balance at the end of the year. The interest rate is announced by the government quarterly.
@@SVSwamy I dont think so , it is calculated monthly which revised quarterly by govt. It is deposited into your account annually at end of FY year but it is not calculated annually i.e only once a year.
@@3devansh - Yes, sorry for the slight mistake. It is calculated each month but is credited at the end of the financial year. The interest rate is announced every quarter. For the last few quarters, it is unchanged at 7.1 percent.
I do NPS only to save my additional 15k tax 😝
But tax rules may change any year🙂
@@vamsivamsi853 tab NPS me dalna band kar denge
Bhai 60 Kai baad pension toh jhaat bhar ka hai nps mai....
Bhai tumhara 15k ab tax slab me nahi raha or 4 lacs badao toh fir 15k NPS dalna😂
@@samtarly4025 jhaat bhar 😅😅
सर, 60 साल के पहले किसी कारणवश सरकारी कर्मचारी की नौकरी छूट जाने पर nps कटौती और पेंशन के क्या नियम है।
Hlo
As per my own experiences of Health problems i have seen my parents suffering before 60 yrs and all sort of money i needed was in their 50's. So aajkal 60 yers tak agar savings crore me bhi ho to wo beemari ke alwa kisi kaam ka nahi. 15 yr locking period is good.
if I have 1.5lacs in PPF , can I invest 50k in NPS for total 2 lacs tax exempt ?
yes you can.
@@LifeWithNeelofficial i have already take 1.5lac under 80C and 50k under 80CCD.
But 40k remains which need to declare. I don't have kids neither I want to take loans or elec. Veh. I'm staying in home and health insurance is already exempt in HRA. So where I need to declare this additional 40k and make my taxable income below 5lac?
मेरा ईपीएफ खाता है मैंने PPF खुलवाया है पैसा निकालने में दिक्कत होगा भविष्य में दोनों खाता मैं
@@ravishekhar5306 PPF EPF two different thing. There would be no problem.
@@Mandalvivek charity
Hi, what about the inflation? You should also include this factor while showing the returns. That 1 cr will have the value of today's 10 lakhs only.
Sir, if in this disaster situation anything happens to us, what will be the criteria for withdrawal of money for nominee.
Can they withdraw money instantly or they have to wait for years?
Hnji... Mujhe b btaye iske bare m
Hello Mandeep,
i have opened enps from Online but, how every month amount will be deducted from my account?
Do I need to add the biller separately or it will deducted automatically?
If ones not live for 60 years then what will happen in that case.
Boss I saw your dedication how you convince to people with your example it reflects your dedication n passion about your work..
Sir, what if the person dies after investing in NPS for 5yrs? You should make a vdo on this too
At the same time you should have Term insurance too
I think if person dies before 60, his nominee get all the amount, but if dies after 60 his nominee(wife) gets amount and pension till death.
@@sunilkumarmait yes correct
It is very difficult process to withdraw the money incase subscriber dies. NPS is waste
@@kushhgupta nominee should be enrolled to make it smooth..
even LIC withdrawl is difficult incase subscriber dies
what if I invest in both the instruments at the same time ensuring the total sum remains 1.5 lakhs?
Like the way of your clear cut answer NPS... no BS !
Isn't it a good idea to interest 1.5 Lakhs in PPF and 50k in NPS for maximum tax saving?
PPF rate keeps coming down. It will probably touch 3-4% one day but NPS has some of the elements invested in equity so NPS stands tall
But what if I don't alive till 60 years of my age ,it's long locking period , I can't enjoy my money if i die at 61 age also
@@travelvlogs9050 exactly this was my concern too
Bhai PLI par ek video chahiye... Perfect knowledge ke liye
Sir please give info of how much percentage we should investment in nps epf and ppf and others If salary is 50000 per month in private company at age 22
But isn't it better to try and invest in both ?? I may not live until 60.. with ppf i can always extend for another 5 yrs.. so if i invest in both... i wud get a return which will be in between the amount ???
I mean its just a question with a thought that we invest so much in future but don't even know if we will live that long... does nps has an option of keeping a nominee ???
There is a convience fee plus gst charge for each installment of nps. Approximately 25 rs per sip. So if you are doing a 5k sip for 12 months in nps, you need to consider the extra cost 25*12 = 300 rs per annum. Lets say you are doing this for 30 yrs then around 9-10k rs are gone as charges.
You can calculate it according to number of sips.
This charge is never discussed nor disclosed by anyone. You get to know when you start nps.
NPS me kya mere mar jaane ke baad meri family ko pension milegi yaa nahi?🤧🧐
yes, it depends on the annuity plan you choose
No after death of pensioner or investor all remain corpus transfer to nominee
Excellent Video!! Not only informative but your punchlines are awesome ! :D But I have one question.. agreed that historically the returns have been 8 to 10% for NPS schemes since inception, but I noticed that they were started either in 2009 or in 2013, both at the time when economy was low.. do you think there could be possibility of it averaging down to 5% to 6% over the years provided the investment is started now when market is still absurdly high (Jun 2021) ?
No, because considering age 25, you will contribute till age 60, i.e from current calendar year 2023 to 2058. Since India is a major growing economy, by 2058 our GDP will be around $30+ trillion dollars. Our market will only grow from here. Hence, I feel we should expect returns of even 10 to 12%. But one major point of concern is the inflation rate. Who knows how much the inflation will be by 2058 !!
Ask Govt employees whether it's good or bad
Compare Now and Gpf for govt employee
Funfact : Bolne k liye my employer contributes 10% of basic as NPS. But the fact is that it's just a tweak in the way to show the salary breakup. They don't pay extra money than promised Salary. But its actually I am myself contributing for the Employer's contribution.😂
It's similar to the employer's contribution of PF Scam, which is also deducted from my CTC.
Matlab CTC ko inflate krke dikhane k liye kuch bhi 😅
Aaj kaun 60-70 years zinda rhta hai ...
Agar koi iske pahle hi mar gya to
To saving sab aapke nominee ko milega. Atleast family member bhi khega ki aapne uske liye itni saving to ki.
The life expectancy in India has gone up and the latest data from Lancet shows it is above 70 years. So, as days go by, you will find the life expectancy going up further. I am 72 by the way and my neighbor is 85.
@@SVSwamy ab dekh lo sir corona ne kya kiya
@@chandradwivedi4669 - Sai Ram. Corona or any other factor will affect the average life expectancy only for a short period. The long term trend stays intact unless there are some other global upheavals.
Thanks for this very thorough and knowledgeable video. Can you please make one video with comparison between PPF and VPF (Voluntary Provident Fund )? I think the interest rate is higher in VPF; but not sure it will be a good option.
I'm too interested to know
VPF is additional amount that you invest over and above EPF. However the employer contribution doesn't change. Benefit: VPF investment done by emploee earns same interest rate as EPF ( which is quite high as compared to fixed deposit or ppf).
My compliments! Your video is informative. One problem- in an upbeat economy, interest rate in PPF will decline over a period of time.
You say that you have linked the previous video in the description below, but there is never the link for the video.. Please check that..
Your videos are very informative and We gain a lot of knowledge.. Thank you..
I am investing just 50k per year in NPS just to gain the extra tax benefit it provides under 80CCD(1B), after exhausting 1.5lakhs of 80C including ELSS, Life Insurance and EPF.
Is it the correct approach or should I completely discard NPS and pay the tax instead, as NPS is producing lesser return ?
Note : NPS is a part of my retirement planning just for the extra tax saving benefit, not the Retirement investment.
I am also looking for the same. Hi, Mandeep/Team Could anyone please answer it?
It can be understand in 2 ways
First by investing in NPS ,if u r under 30% tax bracket ,u r saving 15000 / year tax and same 15000 you can invest in mutual fund
Second that if you consider NPS as mutual fund ,as it offers less expense ratio and invest (provided u take active choice and riase equity component to max 75% ) and in invest in sip mode but when market is crashed ,invest lumpsum
Awesome content. Full scale comparison between NPS and PPF. This should be the bible of every tax payer within India. Thanks for the beautiful analysis.
We should also take inflation into account while calculating the NPS or PPF maturity amount....The value that 1 crore has today might not be same after 30-35 years. I think the NPS and PPF calculators should also take inflation into their calculation....But yes, I agree NPS is much better than PPF...
That is why we should invest because todays 1 crore will be nothing then. We just have to check the maximum returns after the tax deduction. Thats the best we can do.
Yes bro that's why I invest only in prop. Only because I will get return according to market price not on hypothesis.
Correct, that's why we must increase our monthly contributions gradually every 2 to 3 years as well, considering our salaries will also increase yearly due to promotions and ever increasing inflation rates.
Guy's your LoGo is amazingly catchy & beautiful & just Kuddos to the designer and planner of the LoGo. It creates some serious faith to the channel, on the very first sight.
Exactly
Tax Exemption -
80C - 1.5 lacs
80CCD (1B) - 50k (Contribution by Individual/Employee)
80CCD (2) - 10% of Basic+DA (Contribution by Employer)
80CCD (2) - 14% of Basic+DA, For Central Employees (Contribution by Employer)
I was struggling with this topic since quite sometime..
Thanks to you .
It's so clear now.
As usual awesome video.
Ppf is better... Nps has many catches... Don't fall for it
@@at6848 Please clarify one point, In private sector we already have (EPF + EPS) contribution, If we still invest in NPS then how all these will mange after 60 year in pension because we already contributing in EPS for pension.
Great comparison. Amazing efforts!
Hi Mandeep
Good show on so many informative videos!
I have a query. Would you advice anyone to invest 1.5L in PPF and 50k in NPS? Purely for the reason of tax saving. If not, how would you adjust your capital to get maximum return and maximum tax benefit. Duration of lock-in is not a problem.
I'm doing same.
Can we do 1.5L in ELSS funds and 50k Nps
@@rachangoudapatilnidoni5058 yes u can do.
@@arunkapale5063 thanks for your reply
Please clarify one point, In private sector we already have (EPF + EPS) contribution, If we still invest in NPS then how all these will mange after 60 year in pension because we already contributing in EPS for pension.
I'm investing in PPF and NPS account. So how does it impact my financial status. Can you please explain how to play with NPS investments and secure more pension and corpus fund.
NPS very bad scheme. Govt employee kaha se 1 lakh deposits karege.itni to uski salary bi ni hoti. Janaab kaha so rkhe ho. My mother was nps employee. 25 year lock in period n now getting 3500 rs pansion. Hawa mein mat batein kiya kro. Research kiya kro ground level pe. Thnku
Learnt a lot about term insurance and then came to ppf vs nps. You truly deserve 10 million subscribers and am one among them. Thanks alot. God bless you