Qualified nahi bhai, anpad hi thik mannage karega.. Jyada Qualified ka natiza to dikh hi raha Middle class family ka watt laga diya, garibo ko muft dene ke naam pe....
It is better to open one mutual fund for kids and invest in sensex or Nifty 50 as a SIP which can gives 12-14% return in long run. At 18yrs, you can transfer that corpur to your kid simple as that. No condition like lock in or purchasing annuity.
Missing information in this video: 1. Parents sign needs to be uploaded after eKYC verification 2. Birth certificate needs to be uploaded in jpg/jpeg format 3. Additional ~₹18 charged for account creation & the this will be a virtual PRAN for the minor 4. Minors bank account details is optional
parents putting money in ppf for future of minor are not criminals. Anyway one doesn't get tax credit beyond 1.5 lacs what's your problem than Nirmalaji. You are acting like a dictator and making sure BJP doesn't win the next time... I single handedly hold you responsible for such a messy implementation of GST and now this PPF screw-up. What do open category children do for their education if they are even denied this money for which their parents will pay IT
I don't understand the problem of the majority commenters including the OP here. Whats wrong in investing in a Pension Fund for your kids!? NPS as a product could be considered as one of the investment options for the future of the child. The point of a pension scheme itself is that you're saving for one's retirement. Why are you always worried about withdrawing funds from it!? The same criticism was meted out to normal NPS as well.
If you are a welthy person then your comment is valid. Most of the people are middle class so for us this scheme is not good. What about if I die ? Child cant touch this money till she come to age 60 ? Who will take care her study ? Okay we can take term insurance but what about PTD or PPD for me ? We need to think all aspect as a middle class.
@@DennyJohny That's why I've mentioned that this can be one of the investment options and not the only option. Please read my comment again. You're saving for your child's pension, not for any other needs. If you invest your savings in this fund, then you're not planning it right. That's why one needs to do goal based planning. What needs of the child should you plan for? Education and Marriage. If it's a single income family, you need money to run the family as well. Then the products that you invest in should have similar maturity timelines. E.g. if you have a 8 year old kid and you're saving for his/her college education, the goal is 10 years away. Hence, you should invest in large and midcap funds, obviously not NPS. If we always think about NPS as a product where your money gets locked, then there's no point of calling it as a pension scheme. Pension is for retirement. Not for withdrawal at any time. Even then, you have partial withdrawal options.
There is the 2 lakhs limit under the 80C and 80CC(D) and the interest generated is also not taxed as per LTCG but the downside would be the mandatory annuity investment of 40% of the maturity corpus.
Is the stock market actually getting better or is this the Election time manipulation to entice new investors, I'm currently sitting on an inheritance of 300k and i'm wondering do I invest in stocks or Gold?
market crash is inevitable, but there are actually strategies to mitigate risk and profit consistently, tho such executions are usually carried out by investment experts
They've unnecessarily complicated it, our NPS Tier2 is perfectly good for this purpose. It gives us the benefit of low annual expense...and ability to withdraw 100% at the time of need later...no questions asked...
इससे अच्छा तो म्यूच्यूअल फण्ड में पैसे investment करे सारा पैसो की withdrawal power अपने हाथ मे रहेगी और return भी ज्यादा मिलेगा. Waste of money scheame
I have opened this account for my daughter in KFintech last week. I am also investing in Sukanya Smariddhi account, PPF and Mutual Funds for her future.
Doubtful new schemes like NPS vatsalya by govt on children financial safety after suddenly withdrawal/lower interest rate of children PPF a/c. What is the guarantee in the future that the govt will not change rules and regulations. After sudden change in children PPF a/c scheme at financial loss at cost of millions of children future education and marriage experience etc.
Gujrati mota bhai ka dimaag for having more funds from people … also minors don’t have PAN Card and Passports so is it for a particular class or segment of people ?
80% mandatory annuity purchase, seriously. This scheme is for govt. guaranteed income and not child's future or a tool for parent to utilize when needed. Better, buy a Gulak and save money in it, at least you will get all money back once you break it.
De hecho, el gobierno ha dicho que las cosas son más difíciles para sus ciudadanos y que no podemos quedarnos sentados y soportar todas las consecuencias de una mala gobernanza. Es obvio que nos dirigimos hacia la inflación; Siempre son los pobres los que reciben el golpe.
Hoy llega a 50.000. Estoy realmente agradecido por todo el conocimiento y las pepitas que me han brindado durante los últimos meses. Comenzó con 20k en agosto de 2023
Es un milagro y yo testificaría: ¡30.000 dólares cada 4 semanas! Ahora tengo una mansión grande y puedo permitirme cualquier cosa y también apoyar la obra de Dios y la iglesia
Minor PAN Card hoga...NSDL website pe apply karke payment karne ke baad applied print copy along with all relevant documents given address jo ki Pune mein hai waha pe post karke hard copy vejna hoga
Bogus scheme. For a 18 year old you need money for education, what's the need for annuity? Either you allow withdrawal of total amount or let them go to NPS tire II and when they attain 60 years allow them to either take the amount out or go for annuity. And again no tax benefit!! What the hell!!
अगर ये स्कीम श्रीमती निर्मला सीतारमण की छत्रछाया में रहेगी तो क्षमा करें ...हमारे बच्चे खुद अपना भविष्य बना लेंगे लेकिन उस lady की इजाद की हुई किसी भी स्कीम में नहीं फंसेगे
Listen this is pension scheme so it desgine as so. So many scheme for education go for those. Why u want everything in a scheme. Treat it as a pension scheme, not investment or education fund
Please don’t do this st i pid scheme. This makes no sense that you put money in something that will mature after eternity. Better to give that money to your kid. Your kid will thank you later. Twitter has bashed this scheme left right and centre.
Apna paisa hum khud nahi nikal paye to koi matlab nahi hai,badi muskil se paisa bachata hai vo bhi esi scheme me laga do jisme nikal nahi paye to matlab nahi hai , parents ko bacche ki education shadi ke liye paisa chahiye , bachat to isme laga di ab paise kaha se aayenge unke paas .better hai ki MF me nivesh kar deve .
Nirmala ji ko bharat ratan se upar ka koi award se nawaja jana chahiye Middle class family ke saath jo khilwad ye mahila kar rahi hain wo bardast ke bahar ho chuka Sukanya samriddhi yojna bhi koi khas benefits nahi deta unko jo jyada investment nahi kar sakte Ya aise log jinka mahine ka income fix nahi rehta... Usko flexible banana tha ki pure 1 saal mein jitna ho sake utna deposit kijiye Kisi saal 10000, kisi saal 50000 Jab jitna possible ho Lekin govt sirf khud ke liye fund arrangement mein lagi hai, is tarah ke chutiya banane wale scheme se. Isse best to sahara india tha, sabko diya hi diya
Will you Invest in NPS Vatsalya for kids?
No
No, as we can only withdraw only 20% of amount after 18 years
@@EveryPaisaMatters "No" is not a good answer. "Never" is the most suitable answer.
No direct mutual fund is much better option
No ..
This country seriously needs a qualified finance minister.
@@adityashrestha5214 true, she is worst FM till date.
Retirement is best option to secure money as tender age ppl tempted to lavish life
Qualified nahi bhai, anpad hi thik mannage karega..
Jyada Qualified ka natiza to dikh hi raha
Middle class family ka watt laga diya, garibo ko muft dene ke naam pe....
@@adityashrestha5214 नालायक आदमी persent India fast growing economy in the world under finance minister
@@adityashrestha5214 I agree with you
It is better to open one mutual fund for kids and invest in sensex or Nifty 50 as a SIP which can gives 12-14% return in long run. At 18yrs, you can transfer that corpur to your kid simple as that. No condition like lock in or purchasing annuity.
Maine Kia hua small cap me
Who needs pension for minors, FM is mentally bankrupt
@@Abhibee4018 maybe it's like universal basic income
Missing information in this video:
1. Parents sign needs to be uploaded after eKYC verification
2. Birth certificate needs to be uploaded in jpg/jpeg format
3. Additional ~₹18 charged for account creation & the this will be a virtual PRAN for the minor
4. Minors bank account details is optional
Useless scheme.. Because as you said everyone needs money at the time of 18 years old for education ..we couldn't take entire money..
Thanks Sir for such a detail video in simple language
75% equity matlab stock market share investment in equity??
Yes. You have option to choose as much equity as you want till a maximum of 75%
parents putting money in ppf for future of minor are not criminals.
Anyway one doesn't get tax credit beyond 1.5 lacs what's your problem than Nirmalaji.
You are acting like a dictator and making sure BJP doesn't win the next time... I single handedly hold you responsible for such a messy implementation of GST and now this PPF screw-up.
What do open category children do for their education if they are even denied this money for which their parents will pay IT
Which minor kid will have PAN card. Great analysis
If u invest money for your minor children
Even a just born kid with birth certificate can have a pan card. U have to know things before commenting
@@avi2chauvinist4blr xD
Yes minor can have a pan card ....
Sorry never knew that
Nice presentation
I don't understand the problem of the majority commenters including the OP here. Whats wrong in investing in a Pension Fund for your kids!? NPS as a product could be considered as one of the investment options for the future of the child. The point of a pension scheme itself is that you're saving for one's retirement. Why are you always worried about withdrawing funds from it!? The same criticism was meted out to normal NPS as well.
If you are a welthy person then your comment is valid. Most of the people are middle class so for us this scheme is not good. What about if I die ? Child cant touch this money till she come to age 60 ? Who will take care her study ? Okay we can take term insurance but what about PTD or PPD for me ? We need to think all aspect as a middle class.
@@DennyJohny That's why I've mentioned that this can be one of the investment options and not the only option. Please read my comment again. You're saving for your child's pension, not for any other needs. If you invest your savings in this fund, then you're not planning it right. That's why one needs to do goal based planning. What needs of the child should you plan for?
Education and Marriage. If it's a single income family, you need money to run the family as well. Then the products that you invest in should have similar maturity timelines.
E.g. if you have a 8 year old kid and you're saving for his/her college education, the goal is 10 years away. Hence, you should invest in large and midcap funds, obviously not NPS.
If we always think about NPS as a product where your money gets locked, then there's no point of calling it as a pension scheme. Pension is for retirement. Not for withdrawal at any time. Even then, you have partial withdrawal options.
deposited 1000, but, did not receive the PRAN NUMBER YET
If there is no tax benefits during investment or withdrawal then what is the actual benefit of this scheme compared to others?
There is the 2 lakhs limit under the 80C and 80CC(D) and the interest generated is also not taxed as per LTCG but the downside would be the mandatory annuity investment of 40% of the maturity corpus.
Very informative and clear 👍👍
Ye scheme hai ya scam, matalab bachhe ka retirement ab main plan karu, ye FM and government please hire one or 2 educated person
If you have to keep your money locked in for 3 years then why not ELSS?
कर्मचारियों को ops देते-देते, अब बच्चों को पेंशन देने लगा,,15-15 लाख रुपये कहाँ गया
Khata khat bank me jama hai, ja ke nikaal le
Newborn baby ka PAN card hota hai kya
Yes, ban sakta hai.
Pan is not compulsory for minor.
Is the stock market actually getting better or is this the Election time manipulation to entice new investors, I'm currently sitting on an inheritance of 300k and i'm wondering do I invest in stocks or Gold?
buy bitcoin! it is decentralized and most secure, thus healthy competition among many miners
market crash is inevitable, but there are actually strategies to mitigate risk and profit consistently, tho such executions are usually carried out by investment experts
BKL aa gaya scam karne.
They've unnecessarily complicated it, our NPS Tier2 is perfectly good for this purpose. It gives us the benefit of low annual expense...and ability to withdraw 100% at the time of need later...no questions asked...
Very Good Point!
What is difference, if any one invest in mutual funds other than this? There will not be any condition in simple Mutual Fund investment.
Exactly! As of now looks like a stupid product.
बच्चे मायनर है तो PAN निकाल सकते है काय
@@shriganesh23 yes
No unless 80% of maturity amount is eligible for withdrawal at the age of 18 for education needs of children.
Also maturity amount must be tax exempt.
इससे अच्छा तो म्यूच्यूअल फण्ड में पैसे investment करे
सारा पैसो की withdrawal power अपने हाथ मे रहेगी और return भी ज्यादा मिलेगा.
Waste of money scheame
Sir , I have also opened minor account for my daughter 😊
Hi sir were did u open the account
I have opened this account for my daughter in KFintech last week. I am also investing in Sukanya Smariddhi account, PPF and Mutual Funds for her future.
Please don't invest here, invest in Mutual funds instead
@@EveryPaisaMatters Already investing in Mutual Funds.
Continue there and increase investment. This is a stupid scheme.
@@EveryPaisaMatters But I like this scheme.
@@pradeepdas8104 sir itna paisa h toh thoda muje dedo 🙏😭
Isse achcha to RD hai.
Doubtful new schemes like NPS vatsalya by govt on children financial safety after suddenly withdrawal/lower interest rate of children PPF a/c. What is the guarantee in the future that the govt will not change rules and regulations.
After sudden change in children PPF a/c scheme at financial loss at cost of millions of children future education and marriage experience etc.
Sir my daughter is special child can i open this account
Gujrati mota bhai ka dimaag for having more funds from people … also minors don’t have PAN Card and Passports so is it for a particular class or segment of people ?
Sir tax kitna honga
covered in video
Achha new born ka pan card kese bnega
Zerodha ne bhi minor ke liye demat account open Kiya Hai
Aur pan card online nsdl ki website me ban jayega
Pan card guardian ka chahiye
80% mandatory annuity purchase, seriously. This scheme is for govt. guaranteed income and not child's future or a tool for parent to utilize when needed. Better, buy a Gulak and save money in it, at least you will get all money back once you break it.
The moment kid's wife claims for alimony 😅 all savings are gone except for nps and ppf
😂
Isme government ka bhi contribution hai kya
chawanni ka bhi nahi!
@@EveryPaisaMatters to nahi karna hai mutual fund hi sahi hai
Bankers are forced to open such accounts...
Liquid fund mae dalo /Balance Advanced fund mae dalo rupya government mae scheme just joke hai
¡¡Asombroso!! Dios finalmente había cambiado mi vida a través de la Señor Alejandro Benedetti . 1500 cada diez días. Dios es bueno
Vaya, ¿tú también conoces a Alejandro Benedetti?
todos lo conocen. El es muy bueno en lo que hace. Un experto
De hecho, el gobierno ha dicho que las cosas son más difíciles para sus ciudadanos y que no podemos quedarnos sentados y soportar todas las consecuencias de una mala gobernanza. Es obvio que nos dirigimos hacia la inflación; Siempre son los pobres los que reciben el golpe.
Hoy llega a 50.000. Estoy realmente agradecido por todo el conocimiento y las pepitas que me han brindado durante los últimos meses.
Comenzó con 20k en agosto de 2023
Es un milagro y yo testificaría: ¡30.000 dólares cada 4 semanas! Ahora tengo una mansión grande y puedo permitirme cualquier cosa y también apoyar la obra de Dios y la iglesia
🎉
Pahla 48 second mein aapane bola bacche ka PAN card chahie
18 years se jo baccha Kam hai, ooska pancard kaise bnega
Ban jayega!
Minor PAN Card hoga...NSDL website pe apply karke payment karne ke baad applied print copy along with all relevant documents given address jo ki Pune mein hai waha pe post karke hard copy vejna hoga
Ban jayega
Bogus scheme. For a 18 year old you need money for education, what's the need for annuity? Either you allow withdrawal of total amount or let them go to NPS tire II and when they attain 60 years allow them to either take the amount out or go for annuity. And again no tax benefit!! What the hell!!
अपनी पेंशन का कोई जुगाड़ नहीं , बच्चों की पहले लगवा दें
मैं अपने पैसे से बच्चों को पढ़ा सकता हु। ना कि उसके 60 साल की बाद पेंशन का ठेका लेना । मेरा व्यक्तिगत सोच है कि यह बहुत ही बेकार स्कीम है।
अगर ये स्कीम श्रीमती निर्मला सीतारमण की छत्रछाया में रहेगी तो क्षमा करें ...हमारे बच्चे खुद अपना भविष्य बना लेंगे लेकिन उस lady की इजाद की हुई किसी भी स्कीम में नहीं फंसेगे
Useless and hopeless scheme again
LIC is the best
NPS tier 1 for private people already Bakwaas, atleast liquidity should be given after 7 yr lock-in
Listen this is pension scheme so it desgine as so. So many scheme for education go for those. Why u want everything in a scheme.
Treat it as a pension scheme, not investment or education fund
Children plan for lic
Why should we invest in nps where only 9.5% annually return is possible instead of mutual funds where 20-25% annually return is possible..
Backwas NPS
What nonsense. Why would I invest for kid’s pension? Instead of education? 🤷🏼♂️
Hopeless and useless just like APY
बकवास स्कीम
5 trelean economi Bana ne ke scheme.sarkar ko fayda investar ko 👍😂😂😂
Ops allow toh kare pahle😂😂😂
30 saal pichhe ka plan hai
Isse best to mutual fund me daal lo. 500 sip
Yups!!!
Useless Scheme
Not good scheme
Please don’t do this st i pid scheme. This makes no sense that you put money in something that will mature after eternity. Better to give that money to your kid. Your kid will thank you later. Twitter has bashed this scheme left right and centre.
Delhi me केजरीवाल ke saraab wale sheme ka asar saaf saaf dikh raha hai
Most foolish scheme heard . 😅
Kiya Hain a? Bakwas cheej? Very disappointed.
Apna paisa hum khud nahi nikal paye to koi matlab nahi hai,badi muskil se paisa bachata hai vo bhi esi scheme me laga do jisme nikal nahi paye to matlab nahi hai , parents ko bacche ki education shadi ke liye paisa chahiye , bachat to isme laga di ab paise kaha se aayenge unke paas .better hai ki MF me nivesh kar deve .
No lic best
Nps itna acha hota to sarkari karamchari virodh kyo karte ,aakhir vo bhi education log hai
Because earlier they are getting pension earlier. This will cover those who don't have gov jobs.
Usse bekar kuchh nai hoga
Bekar scheme सिर्फ gst लेने के लिए होता है सब कुछ
Yaha khud ke job ka pata nhi h or ye log children ke pension ki baat kr rhe h.. had h
Grady Mount
Bakwas Scheme😅
Third class scheme
Annuity bhai 1 number scam hai
Abtak ka sabse ghatia FM.
Hum pyaj nahi khate ,,,,
Tum hawa Khao.....
Totally bakwas scheme
Bahut bekaar scheme hai
Bogas scheme.
Bekar scheme hai
ye chindi scheme hai government ki
Best ? Sharam karo thodi
Thodi hi kari.
Nirmala ji ko bharat ratan se upar ka koi award se nawaja jana chahiye
Middle class family ke saath jo khilwad ye mahila kar rahi hain wo bardast ke bahar ho chuka
Sukanya samriddhi yojna bhi koi khas benefits nahi deta unko jo jyada investment nahi kar sakte
Ya aise log jinka mahine ka income fix nahi rehta...
Usko flexible banana tha ki pure 1 saal mein jitna ho sake utna deposit kijiye
Kisi saal 10000, kisi saal 50000
Jab jitna possible ho
Lekin govt sirf khud ke liye fund arrangement mein lagi hai, is tarah ke chutiya banane wale scheme se.
Isse best to sahara india tha, sabko diya hi diya