5 Safe Investment Schemes with High Returns
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- Опубліковано 7 сер 2024
- Are you looking for secure investment options with attractive returns? In this video, we delve into the world of government-backed investment schemes, offering low risk and excellent returns. Discover the top investment avenues such as NPS, PPF, Sukanya Samriddhi Yojana, Sovereign Gold Bonds, National Savings Certificate, and many more!
Whether you're a working professional seeking long-term growth, a senior citizen aiming for a stable income, or a parent wanting to secure your daughter's future, we've got you covered!
Watch the video to understand the features and benefits of each option and get simplified details so you can make an informed decision.
00:00 - Introduction
01:15 - Best scheme for Senior Citizens
03:30 - Best investment option for your Girlchild
05:16 - Best investment for working professionals
06:36 - Invest here for your retirement
08:16 - High returns with low-risk investment scheme
11:29 - Best option to invest in Gold
13:20 - Get your FREE financial plan
15:05 - Conclusion
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I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
@festusmadidi2634 That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@festusmadidi2634 I will give this a look, thanks a bunch for sharing.
All these responders to your post are scammers.
Or Karo Mudiji ko vote do 😊
This video indicates you don't need a high IQ to be a good investor, just 2 qualities, self discipline and a lot of patience. Investing is mostly about behavioral psychology. What would be the right investment to generate more income to retire with at least $3m for long term care?
We share common goal, making sure you are ready for your later years is very important. That's why passive investing works, low costs, better diversification and it enables people to overcome their behavioural bias especially if they engage professional help.
Agreed, partnering with the right planner is invaluable, my portfolio is well-matched for every season of the market, and recently hit 40% rise from late last year. I and my CFP are working on a 7-figure ballpark goal, tho this could take another year.
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with "Melissa Elise Robinson" for years and highly recommend her. See if she meets your criteria.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
Luckily, my spouse and I were able to pay off our mortgage early. We took the money we were spending to accelerate our mortgage repayment and invested it right away while we were both still working. We were able to retire early after accumulating what would have been our home payment for over 7 years and maxing out our 401K/403B plans. Thankfully, both of our parents taught in us the importance of living within our means.
Investing without proper guidance can lead to mistakes and losses. I know this since I've been there myself.Seeking guidance from a professional is preferable if you're new to investing or don't have much time.
Investors can have different investing results even with the best strategy and suitable assets. Understanding how experience plays a critical part in successful investing is key. Since I was aware of this, I consulted a market analyst for advice, which helped me build my account to about a million dollars. Having strategically cashed out just prior to the market correction, I'm now taking advantage of buying opportunities once more.
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances
Leah Foster Alderman is the licensed expert I use. Just look up the name online.
She seems to be literate and well educated. Thank you for sharing, I found her webpage when I searched for her online.
No money to invest but watching😅
Agree with u...
Toh kamao bhai
Me also 😁😁😁😁
It's good to learn about finance to invest in future
I also 😅
10 on 10 , thnku sir , itni knowledge school college university me paise dekar bhi nhi milti sir ji
I really like and enjoy Pranjal's videos. He gives a different way of looking at various investments. I would request the viewers to make the choices based on goals and situations. For example NPS (National Pension System) - People usually don't want to invest in this as 40% is minimum blocked at maturity to be invested as Annuity (Pension). The reason behind this is, may god forbid, but lets say your kids don't support you well. At least, this 40% will support your survive for rest of your life. Instead of all amount being withdrawn and taken away. So, try to understand the product, its use cases and see if it fits your needs, just like buying cloths. Don't go for XL if your size is L, and alter your M to make it L if your budget is tight for now. Happy investing.
Sir aapki video dekhkar hi aajtak investment kari hai or aap hi mere guide ho
Thank you sir 🙏 🙏
The employer may also contribute to NPS upto 10 pc of your salary. And income tax deduction is available on this to the employee. This is applicable even in the new taxation scheme
10 out of 10 for someone like me that didn't know any of the things you considered in this video .. thanks
A Gentle reminder and information :
All the above schemes are available in POST OFFICES all over the country.
But the sad part is that neither of them compounded annually.
Wrong.
Sukanya Samriddhi, SCSS Bank me bhi hota hae.
@@tumpakoli Yes, but they are available in Postoffices too.
You are right bro
Thanks. Video should have mentioned this.
I am a student. I have no money to invest but still i am watching India's best influence video 😊😊
Investing in nps for almost last 2 years now. Hoping for a better future 🙏
Very nice. Rating is not less than 10.Sir , U are serving to society extraordinary.
Sir aapko channel ko like aur subscribe bolne ki koi jrurat nhi hai kyuki aapki video itni relevant aur imp hota hai ki subsciber khud subscribe kar denge ☺️😌🙏 ........ Lots of love and respect pranjal sir from grow more family..
The same way I adopted for my small savings, I added some more information ... 10 on 10... good job😊
THANK YOU PRANJAL KAMRA BHAI NAMASKAAR.
AAP KA INVESTMENT PLANS EXPLANATION ACHA HAI AUR PASAND HAI .
YOU ARE DOING GOOD JOB FOR INVESTORS .
Pranjal bhai, you have spoiled me with your free advise. I put my money in PPFAS flexi plan & have got annualised 19% return !
So 19% return is not good according to you??
@@Abhijit9703 Its fantastic. So, I park my funds in PPFAS & do not bother about all the plans he mentioned in this video.
Very simple and beautiful way to present for people like me who get intimidated by so much available. I’m using this to educate my 18 year old son about finances and investment. Thanks
Pranjal Sir, your videos are as helpful as always. Thank you!
As always nice video on financial planning. Ten out of ten
Well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject ..... Thanks to Gianna Everett the lady you recommended.....
Investing appropriately today can save you a whole lot of stress in the near future, so anyone who is not investing now is missing a great Opportunity.
No doubt!! I never knew she had gone viral. I decided to back up my assets and property with her when we met at a conference in New Jersey for the first time.
As of last week I counted on $5,000 but don't just know how to diversify it.
SHE'S MOSTLY ON TELEGRAMS WITH THE BELOW NAME
@Ms_Everett
Always love your videos.. crisp and to the point with clear articulation ❤❤
Monthly 20% Return.....Invest In Gold.....Comment in My Comment Box
10/10 Pranjal bhai. Awesome work in creating such video
Thank you Pranjal, I would rate 9/10 and expect suggestions on equating salary amount in each category
It was one of you when i started my investment in mutuals funds,liquid funds,stocks and year ago,
so kaisa chl rha hai kitna return
As always he explains investment issues in a very simple way.
wonderful explanation Pranjal, your videos are very informative
thanks for sharing the info, I will update my portfolio accordingly -
🎉 Nicely presented Sir, will give 9 out of 10
Have taken most of the schemes. I really felt confident by watching ur video that I am on right financial planning path. I look forward to short term schemes for more gains. Plz make video on short term schemes
Heya, how are your investments going
How you investing bro
Best ever content sir , you always helped us in making right choices for our investments and learnings, happy to watch your video for more knowledge. 9 by 10 score to your content , past data can be added for comparison but anyway your content is very helpful and useful. Thank you sir for such must needed content. Feel happy for your all professional investment ideas👍
Bahut achha rahta hai aapka video sir
Pranjal bhaiya, I have been learning from your videos about the financial management and it has helped me alot. I have a request...please make video on complete financial plan on wedding budget for young people who are about to get married.
Bhaiya? He us saiyyan material
I currently have 4500 shares of SCHD! My goal is 5k shares. This is my retirement plan!! My portfolio consists of 200 voo 200 vug 150 vgt 4500 SCHD! Is the future bright or not?
Bother less and enjoy the time you have left
the size of your retirement portfolio will overwhelmingly be a function of the performance of the stock and bond markets between now and when you start withdrawing from it.
You need a third party to help you out. A financial planner or accountant can run through your figures, including your projected income and expenditures when you retire, along with your retirement goals, your emergency fund and any other strategies you need to put in place for such things as long-term care.
@@AanyaDarika_ I have seen a lot about FAs and actually want to consult some pro. How did you go about it? Is yours any good?
I have saved myself from all the hassle that the chaotic market causes. These days the best way to come into the market space is seeking guidance, due to side hustles i can’t handle my portfolio so i just work with LOREN LENA WALKER, a FA i came across via a recommendation from one of these UA-cam retirement coaches.
It’s been smooth since then. Cliche as it may I have made a mark up of 70% in profits investing 350k under her. It helps not to be worried about your portfolio every minute of the day.
10/10 sir thank you so much
9/10 some scope for improvement is always there...GBU Pranjal Ji!
80CCD is applicable to Teir 1 NPS Only.
While stock and bond investing comes under Teir 2 NPS which is under 80C only so additional 50,000 doesn't apply here
Senior citizen saving scheme gives 8.2% simple interest and normal F.D. in SBI gives 7.5% compound interest quarterly. Because of compounding the latter gives higher return after a period of 5 yr.
SCSS interest rate is compounded, which is payable quarterly.
In SCSS Interest pay kar dete hai quaterly to compound kaise hoga?
I thought interest in FD is simple interest ❓
SCSS interest is paid every quarter and not compounded. Bank FD is compounded.
My dear bros, just wanted to mention this, No bank compounds FDs, banks are way more clever than Investors.
Helpful Investment video for all who are not aware about the investment planning 👍
Great combo vdo of different safe high returns investment schemes Sir ji 👌👍
Thank You Sir for this video. Request you to make an updated video on Sovereign Gold Bond, please explain what it is and how to invest by step-by-step. Thanks in advance, your videos are highly appreciated and are unbiased which always helps me to make an informed decision. With your help, I and my family members have started doing our own journey towards financial independence. Thank You Pranjal Sir.❤❤🙏🙏
SGB: GOVT announces the rate at which you can buy gold bonds through sbi/ other banks. You can buy on line. It is in demat. You need to give nsdl or cdsl.
Generally after 6 months you can sell in secodary mkt at the price decided by govt.
Otherwise sell after 5 years subject to capital gain or after 8 years. No capital gain tax. Sgb 1st issue due to mature on Nov 30, 23. Rate yet to be announced. Sgb bought at 2648 will fetch more than 6000 per gram.
In addition you get interest @ 2.5% will be credited your bank account on jan1st and july1st every year.
RBI Floating Rate bonds are also good. They give 0.35 per cent higher interest than NSC
Thnx bro
how much total interest per year?
8.05%
Thank you so much! Really informative. Please make some videos on peer to peer landing. Liquiloans sort of things! Thanks
Best Quality content ,I really appreciate your support and hardwork of the team.I would like to rate 10/10 for the quality content.
Areas to improve - provide the content how and where to open this scheme banks or post office like nsc is a post office scheme
Thanks for the detailed info.
I have doubt, does NRI can invest in PF?
Usually companies cut/invest in PF.
Thanks,
Shankar
That is epf.
Bank gives ppf
Buying land (large size cheaper ones, small budget ones)
In good mutual fund with long term investment (can choose essl for tax savings)
Yes ppf, ssc, vpf are better tax saving option
Save 30_40% of salary on regular basis
thx for your help and kindness
Your information is favourable
One additional benefit of nps for corporate employees is 80ccd (2), where employer contribution upto 10% of basic salary is tax deductible, this is in addition to the other two benefits you mentioned.
But not all employers agree to do that
Upper cap is 50K but it is beneficial for high income tax employees.
Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
Big moving stochastics are not the secret to high returns. It involves controlling risk in relation to reward. Putting on the proper size and spinning your edge as many times as required to achieve your objective. That is valid for both day trading and long-term investments......
@@Erinmills98 Who is your financial coach, do you mind hooking me up?
@@Erinmills98 Thanks for the hint, I'm definitely gonna check her out.
Beautiful suggestion ❤
Thanks sir for valuable information and knowledge and educating
Sir, great fan of your informative videos.
I have a question. Wrongly if someone invested a big amount in KVP, and now he wanted to withdraw the amount...... actually he now understands that at the time of maturity, a large amount will be lost as a income tax.
could you please suggest that next should he invest that amount in NSC?
Or is that ok if he keeps this KVP investment as it is??
@@sudipto3dafter 2.5 years you may withdraw the amount. The interest will be taxed per slab. Invest in nsc if time horizon is 5 years.
How much amount do u invest in kvp
Kisi vi scheme main interest 8% se jyada nehi hai... THUMBNAIL AND INTRO main 13% bataya geya hai!
Thanks a lot for your links.nobody telling this.I will try to use it.
Thank you Kamra ji
You must also look at the post office scheme for women compounding quarterly at 7 percent. Lock in is only 2 years. Thanks for the information.
8.5%
Which scheme is this?
7.5%
Aapne bola upto 13% return, but jovi schemes batate ho oto 7-8% ka return milte hai. Kiu Thumbnail pe false batate ho?
bhai consider tax benefits as returns
Super tip.. Thanks dear. Today i felt you luk like actress Radhika apte
Thank you sir❤
Sir please explain about the recently arrived mahila samman savings certificate(MSSC) of post office in your next video
Sir, can you suggest investment schemes for NRE customers.
Example: seafarers are allowed only few on these benefits
Rohan Bhai , NRE account me FD Karo, Tax free Hai interest. Also jana, Suryodaya small finance banks are giving 1% extra than Big banks like HDFC, ICiCI. SUKANYA to available Hai hi naa. Wife ke name se 2 Lakh per year NSC me Daal do. And who stops you buying Nifty index funds from your NRO account, appreciation will be taxed @10% only if holding more than a year.
10 on 10, Sir. Thank you so much!
Thanks for the information
The current market buzz certainly offers a fascinating viewpoint. It's quite startling to witness such bold predictions about the future trajectory of certain cryptos and stocks. Amidst this, it's essential to keep one's feet on the ground and not be swayed by these forward-looking statements. My strategy in this climate has been to trade judiciously, secure profits, and I can't praise Tammy Brockman enough for her stellar work in analyzing charts, trades, and techniques. Her expertise has been instrumental in expanding my portfolio to a whopping $247k in just 6 weeks. I would highly recommend her to anyone looking to grow their investments.
My growing love for crypto caused me to explore until I came across Tammy Brockman Crypto(although I'm trying to avoid sensationalism) she is by far the best. No hype for hype's sake, but great inspiration to trade Crypto.
The fact that i got to learn and earn from her program is everything to me think about it, it's a win win for both ways.
Due to the resent fall in the crypto market, I don't think it's advisable selling, it would be more beneficial and yield more profit if you actually trade with Tammy signals.
I lost so much money trading on my own, I think I'm motivated to trading again but this time with she thanks for sharing her contact.
Everyone needs more than than a Basic Income to be Financially Secured in this present time that there's an Economic Decline.
Bhai, kitne ads dikhate ho tum, vo bhi ek hi add, without any Skip option. If i unsubscribe you in days to come, this would be the reason
UA-cam premium le lo bhai
Pranjal Sir which brand's smart watch you wear?
It looks pretty good on you.
Thanks for the information.
thank you Pranjal Sir..❤
The incompetence and corruption that runs through this administration in our Government are getting more risky and ridiculous, i feel the sympathy and empathy of the citizens not getting the due help they deserve, thank you citadel Moore; imagine investing $4,000 within 4 days of your investment you're profited with $7,300 wow, thank you Jesus❤
Facing this recession without investment is actually risky, salaries are easily spent off
Considering the economic situation I ask,?? How can we save our families and friends from financial slavery! It's getting more scary how people are suffering these days. I can't fold my arms and watch people around me suffer.
A CNBC News hosts, spoke highly big about this woman and her loss preventing strategies.
is there any means of communicating with her? I need help,
She's Mostly on Telegrams, Using the User name
My return from stocks is 21 percent in last 5 months.
Is that good or bad or it could be better
My first 15 figure profit shocked everyone that they started trading with her guidance and expertise on both stocks and crypto....
I'm glad I came to this comment section, I'm been motivated to start investing in forex trading
I'm interested
All the saving schemes that you have explained earns upto 7.5 percent of interest
Bahut hi help full video,muje demate ac bhi kholna h..
Title 13%. Telling about schemes of 8%.
Click bait
thank you sir good idea
Thank you very much. You are doing very good job.
Thanks for the advice
very nice info sir. thank u very much
Thanks pranjal kamra..
Thanks for making this video
10
Thnk u so much pranjalji
Namaste
There are various Non Banking Finance Corporations that offer very high interest rates on fixed deposits.
That apart, small finance banks also provide very high interest rates on fixed deposits.
Basis the ICRA/CRISIL ratings , the investor can select the best amongst these and invest some amount with the objective of safety and diversification.
Thanks
Thanks for content sir
Video rating 10 out of 10. ❤❤❤
❤ great job 👏 sir
Great thanks
Great content/advice
Very usefully video, i get exact idea for investing
i start investing in mutual funds after watching his video and got a good profit...thanks
Which ones
Glad to see you Pranjal 🎉
Very helpful Sir!, 10 on 10.
Very excellent information.
10/10 request for video on Small finance bank
Thanks
Regarding the gold bond, can we buy it from direct bank ?
My Rating for your Video 9/10 👍👍.keep it up
Very Good Video Sir. Keep it up
❤❤ Sir Senior Citizen premature closure kabhi bhi ho sakta hai , account opening k just baad bhi ho skta hai, not as you said after one Year,
Excellent. 10 out of 10
नमस्ते प्रांजल जी.
मे शेअर बाजार के बारे ना के बराबर जाणता हू लेकीन आप जो हम जैसे नये लोंगो के लिये मार्केट को समझने का सही तरिका बताते है. ओ वाकई मे ला जवाब है. धन्यवाद.
Amazing sir
Pranjal sir 10 ma sa 10 number 👍🏻👍🏻🥇🎉