Best Pension Plans in India - Which One Is Right For You? | April 2023 Update
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- Опубліковано 27 бер 2023
- In this video, we take an in-depth look at various pension plans available in the market and compare them on different parameters. We'll also reveal an astonishing fact that the returns of some pension plans are 25% more than other annuity plans. So, if you're looking for a secure investment that offers higher returns in the long run, you won't want to miss this video. Whether you're just starting to plan for retirement or looking to optimize your existing retirement portfolio, our comprehensive guide will help you make an informed decision and choose the right pension plan that suits your needs.
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Immediate Annuity Plans
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PMVVY
LIC Jeevan Akshay VII
LIC Saral Pension
HDFC Life New Immediate Annuity Plan
HDFC Life Pension Guaranteed Plan
ICICI Pru Guaranteed Pension Plan
HDFC Life Pension Guaranteed Plan
PNB MetLife Immediate Annuity Plan
Tata AIA Fortune Guarantee Pension
Tata AIA Smart Annuity Plan
Deferred Annuity Plans
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LIC Jeevan Shanti
HDFC Life Pension Guaranteed Plan
ICICI Pru Guaranteed Pension Plan
HDFC Life Pension Guaranteed Plan
Tata AIA Fortune Guarantee Pension
Tata AIA Smart Annuity Plan
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Bhai...itni detailed video itne important topic par maine nahi dekhi youtube pe...aise hi detailed video banate rahiye...you deserve 1million+ subscribers.🙌🙌🙌
गजब तरीके से बताया आपने। ऐसा वीडियो नहीं देखा था। सारी बात ही समझ आ गई सर । बहुत बहुत धन्यवाद सर
Commendable. I am totally blank as far as financial matters are concerned but I too watch your videos and try to learn which I think everyone should know. 🙏
Masttt jankari di hai sarji...lic jeewan Shanti accha hai aap k vdo se....
SIR...VERY GOOD VIDEO...LOTS OF MATHS / WORKING BUT STILL VERY MUCH SIMPLIFIED...KEEP IT UP ....
superb video - I really appreciate your effort on pension plans - you are doing excellent explanation
Excellent information, can you do a comparison with SCSS return?
NPS maturity par milti Annuity compare ka video banayaye please
Thanks for giving in depth, clear explanation.
जय हो 🙏
बहुत सुन्दर और useful वीडियो 👌👍👐
बहुत ही शानदार
Amit bhaiya.... Your content rocks every time. Your channel suits salaried employees like me and especially the cautious ones. But aj ek Q&A session rakh lete to achha hota. This is my personal opinion. But much love to you. Wish you ten thousand likes!
Excellent explanation. Thank you Sir.
Shaandar presentation
Absolutely amazing explanation Amit ji Very very Thanks 😊🙏🙏🙏
Great Effort. Thank you
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Link for Excel - everypaisamatters.com/pension-plan-tracker/
sir here you increase the policy term to 1 year ( extend) so that the return must be more . so here you increase the age to 2034 . Or they will start to pay pension fund at the last date of year .
Really informative ..thanks for the efforts taken Highly appreciative.
Very informative. Thank you sir
Thank you🙏 sir apke is video se mere ko penson ka sara queries clear Ho Gaya🫡
Sir u have done a good job, u r information & research really good. U will definitely achieve ur 1000 likes
It is a good reasearch, thanks 🙏.
For the deffered annuity investing in April 2023 and getting the 1st return on April 2034 as in the example you have opted for the annual return and also the return comes after completion of 10 years. So April 2023 +10 completed years (2033) + 1 year for opting interest annually = April 2034. Hope this answers but not sure if i am eligible for the giveaway. Any analysis on the TATAAIA fortune gurantee plus.
Thank you for making such a nice knowledgeable video. Can you also tell about SBI pention plan. 😊
As it is a 10 years deferred plan hence the plan gets deferred by 10 years to 1.4.2033. Then for annual interest we have to wait another one year and will start getting the pension from 1.4.2034
Well explained sir... about the Pension plans... Can this be a possible alternative to those who are sceptical about the higher Pension option of EPFO. Please review afresh the direct Pros and Cons of some lucrative Pension plans available now. There's also a mention of return of premium to nominee... What does that mean exactly.
Thank you Sir for the detailed presentation.
Amit ji @NPS maturity me annuity ka upar ek comparison video jarur banaye
Lic new jeevan shanti plan Online purchase par 2% higher value incentive + 2% online purchase insentive k bare me detail me samjaye.....ya video banaye....
Sir,
I have seen your this video now only , but it is very good, educative and really help is taking decision on going for any pension plan. It is fantastic that you have compared almost all insurance companies product. Appreciate your efforts and explaining in simple way. Thanks once again. My request can you please update these details as on this year 2024 and include any other like max lift Glip etc... which will help me to take decision in this year and going for one which is beneficial in real sense. I await your updated video on this. Thanks
Please load a video comparing 5 years deferred annuity plan of LIC, TATA AIA & SBI Life
Very good information
Great work
Excellent sir
Very nice!
#everypaisamatters The reason for the year 2034 is after completion of retirement year, the pension will start from next year onwards. So it is 2023+10+1= 2034. Please confirm if I'm right. Thanks for this useful & informative video. I regularly watch your videos which is helpful.
Super explanation
Sir can you please tell me epfo new pension scheme is better Or plan shows in this video
Very very nice
Great efforts. 🎉
Very nice 👌
If someone has say suppose 10 Years to Defer the Annuity, XIRR looks almost same in Immediate and Deferred both cases of Same Plan, then what is the use of choosing Deferred Annuity plan instead should we choose Immediate Annuity and put the money in the MF SIP for 10 Years? Can someone clarify which one will be better?
Because Deferred annuity commences only after a period of time after the final purchase paid like 1Apr 2023, after completing 10 years term, annuity will be paid I.e 01 Apr 2024
Hello Mr.Amit,
What are tour thoughts on SBI pension plan?
I like to compare pension plans to Kotak Life with other industries.
Superb sir
मैंने सैकड़ों पेंशन प्लान वीडियो देखा 👌👌 लेकिन इतनी अच्छी बेहतरीन तरीके से की गई तुलनात्मक समीक्षा किसी की नहीं थी 👌👌🕺🕺💥💥So Much Suparb Awesom 👌👌🕺🕺💥💥🥰🥰🙏
❤
sir here you increase the policy term to 1 year ( extend) so that the return must be more . so here you increase the age to 2034 .Or they will start to pay pension fund at the last date of year .
Sir ple let us know pension calculation without return of capital, this is necessary if we are opting for higher pension
PLEASE MAKE A VIDEO ON SBI RETIRE SMART PLUS SCHEME ..
Very useful vedeo.thank you
Keep watching!!
Like kar diya sir😊
Fantastic,, deep analysis ,many sellers will never tell truth as you did, gratitude
Much appreciated
SBI life retire smart plan version 02 5 years deposit karne par iske baare me please details se bataye
Beautiful explanation lekin thoda aur lamba aur briefly Hona chahia tha
Good
Sir please do video on Bajaj Allianz life assured wealth goal guaranteed return differ plan please
Sir, ekdin Health insurence ke bare me isi tarah ka video bana dijiye.
Anuuity plan ko surrender kar sake wo provider batana ji
Very nice, informative and useful video. You should be given 10 thousand likes for this hard work.
Thanks a lot 😊
@@EveryPaisaMatters sir marriot bonway me ek raat ki room karte hai usme points direct accounts me transfer hote hai or sir marriot bonway ka credit card Lena jauri hota hai kya?
Please explain 10 years sip plan.which company is best return pension
What is conclusion?? What's recommendation?? Instead I will prefer ELSS in Quant Tax plan MF?
What about SBI LIFE - Retire smart plus,
Will you explain about this plan
Hi I am snc ray
Querry
1. If the tenure of plan expires and I don't die can I receive the invested amount if I have invested on a differed plan with a time bound for pension pay
Annuity plan mai Annuity after one year hi start hoti hai ,,,in differed Annuity plan
Sir, my employer by mistake rejected my higher pension joint option form. By they try to rectify it but still now they succeess. My question is it is possible to solve it . Please reply.
Bajaj Allianz plan ka video banayiye sir
Sir, It is advisable to take insurance plans....as you showed returns are not able to beat Inflation....Kyonki baad ke 100000 INR bahut kam honge....what is your suggestions to Invest somewhere else so that maximum returns will get.... Insurance plan me Tax bhi lagega.... Innocent investor ko loss hota hai dukh hota hai.... Average earning families ko Tax hi dena hai....Aapki sincere advice bahut logo ko help kar sakte hai.... Thank You....
Video time 16:37 - instead of current pension value old pension values are compared
nice
Pls put an Excel link as well
ULIPs seems similar to these annuity pension plans too, with maybe more investment in equities too.. could you compare it with maybe SBI retire smart??
If I want to get pension at the age 65 years under NPS, please let me know if it is possible. Please also indicate what is the procedure to followed to start pension at 65 years of age. Regards
109050 for hdfc life new immediate annuity plan is without ROP and with ROP it is 101523 yearly.
excellent video brother. Lekin ye annual pension inflation rate ko dekhte huye bahut kam hai. Please tell us some monthly pension plans, which offer at least 20k pension per month. Because 100000 per year or 8k per month will be nothing, say after 15-20 years.
Right .
Annually pay hai annuity ka ie yearly paise milta hai monthly nahi
Sir I recently purchased a pension plan in MAX life which gives around 7.13% for deferred 1year and 7.82 deferred 2years
Can you share the details at contact_epm@icloud.com
Sir Mai goverment workar hu mera nps kata jata hai ye bataye ki ham kis company me invest kare HDFC ya iccici ya lic ya sbi
❤ for you guru ji
Hdfc safe h ? Ya compani bandh hote hi pension bandh ho jayegi ?
Sir,you forgot mention surrender value factor in hdfc guarantee invome..in case of emergency only 10% is payable in case of hdfc...that means only 1.5 lakh is payable
Because here annually mode is choosen so income start from 2034.
If No nominee is available, what provisions are there for return on maturity?
First annuity in 10 year deferment plan is on 1-4-2024 and not 1-4-2023 because annuity is due at the end of the period and not in the beginning of the period. If you see the immediate annuity, you pay 15.27L on 1/4/23 and the first annuity is paid on 1/4/24 ... So I get the award?? :-)
HDFC Life systematic pension plan best he deferred ke liye
Sir, Bajaj allianz pension guarantee plan??
Dear Sir , I have NPS right now, sbi BANK , now getting very less pension, 6.5lak , is their , only 2700 per month geeting, kindly advise me wich one is best, I am BSF retirement taken last 2 years back,
Sir agar esa plane me koi bank band ho gae to pension k jawabdari kiski please batae 🙏🏻🙏🏻🙏🏻
sir sriram life ki guranted pension policy (DEFFERED) ki bareme video banaie
You can learn to calculate the returns yourself via everypaisamatters.graphy.com/
It is due to deffered annunity of 12 yrs.
Yearly pension. So we get after completion of 11 years in 10 year deferred case sir.
Sixtt one year old for five lakhs ,what will be monthly pension?
As we are starting from 01-04-2023, so the first year will come to 01-04-2024, second will come to 01-04-2025 and so on and 10th year will come to 01-04-2033 and after that we will start getting our pension, so that's why we will start getting from 01-04-2034 and not from 01-04-2033
Kindly comment and compare with sbilife retire smart plus. I have subscribed it for ppt -5yr pt-10yr but can exit in after 6 year.
It's deffered type not immediate.
Hello, I am watching your videos and it helps me a lot for my financial planning. I have a request for you. If you can create a video on Bajaj Allianz Ellite Assure plan and it's probable return (xirr) that will be very helpful. You can take example of mine like, Age 40, PPT 10yrs, PT 20yrs, Premium - 1lakh yearly mode. Thank you again for your videos.
Hi, thanks for watching videos. It is impossible to cover all the content and my focus is to educate people to learn and share. You can learn about calculation of Pension plans from here - everypaisamatters.graphy.com
Kotak mahindra insurance pension plan ke bare me batayiye please
New video coming today.
Because investment needs complete investment year. As 03/33 main whole year rahega then only 10 years complete honge.
When I take Pension Plan if spouse age is below 40 I am unable to keep her as Joint Survivor...If I take fist with out Joint survivor and add her name @age 40 is it possible? I am planning to by differed annuity.
Etf It will not be good if money needs specific time regularly
Today FD rate is around 7.1%. For Sr Citizen it's even higher. Isn't it better to open a FD with monthly interest payback option? You don't have to pay GST for FD i believe. Also it'll be tax free as long as your total earning is lesser that 7lakh.
That is correct and you have covered some good points.
However FDs are typically only for 10 years. And expected life time after retirement can be 25-30 years as well.
add Jevan Umanh & Jevan Utsav and comapre