NPS Calculator for Retirement Planning - Tier 1 vs Tier 2 Accounts

[@AssetYogi]

Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.

[@dineshsinha4721]

NPS कैलक्यूलेटर tier 1, 2 के बारे में आपने बेहतरीन जानकारी दी है। हमको 10 साल हो गए थे इसमें खाता खुलवाए लेकिन कुछ जानकारी नही था। आपका बहुत बहुत धन्यवाद, बहुत धन्यवाद

[@computeranalyst5737]

The best video so far with detailed information. I have finally opened my NPS account with Tier 1 option with the help of this video. Thanks a lot.

[@RameshChandra-rp2qu]

Nps good h to MLA, MP ke liye bhi ye lagu ho ,,,,mla,mp old pension kyo lete h

[@ashokkumardalai9441]

It's not good at all for govt . employee .

[@India_Yogi]

parliamentrians pe ye lagu nehi hota hain kyunki unko kisi exam pass karke job nehi karna padta hain.. wo log sirf 5 saal ke liye chori karne aate hain , chori karenge pension lenge chale jayenge

[@mohammadsalim6685]

सही बात

[@premsukh6305]

Nps per loan mil sakta h kya

[@sanivkumar2145]

well said

[@jilanibashas]

Hi Mukul. Thanks for series of videos on NPS. Please make a video on when a subscriber of NPS dies before the age of 60, how his/her nominee can claim the amount invested till date.

[@AssetYogi]

The Nominee/Claimant is required to submit a duly filled-up Death Withdrawal Form along with supporting documents such as [Death Certificate deceased Subscriber, KYC Documents (Identity & Address Proof), Bank Account Proof, and other required documents]. The list of documents required is given in Death Withdrawal Form. Visit the NSDL website-Home-All Citizens of India-Withdrawal forms.

[@sonukakade8653]

Love you sir.. your teaching methods is very very easy and helpful.. keep it up and God bless you..

[@nareshkaushik2724]

Aapke dwara nps ke bare di gai suchna bahoot hi faydemand hai .Main 31.03.2022 ko retire ho chuka hun .mere nps account mein 2017 se ab tak kuch rashi jma hai .krpya batayen kya main complete jma rashi ki pension le sakta hun aur uske baad main nps account ko continue kar sakta hun ? Mujhe kounsi plan mein fayada hai . 1. 100%Jama rashi par pension Or 50% jma rashi par pension Thanks

[@GibsonJames-gr3on]

Having an investment adviser is the best way to go about the market right now especially for near retirees. I've been working with one for a while now mostly because I lack the depth knowledge and mental fortitude to deal with these recurring market conditions. I have been making over $19k every month since the lockdown, that made it clear there's more to the market that we average joes don't know

[@LeeParkchu]

Creating an NPS account is good but people downplay a planner’s role, until they are burnt by their mistakes. That’s why I’ve been working with expert planners like CHRIS RYAN STEWART

[@OwenFlex]

I wasn’t sure with investing money for a new car, but I’ve made over $58k since 2022 from learning from Chris and still bought my dream car. Thanks😭

[@SeanJohns-ze8ie]

Is it possible to get in contact with a person like that?

[@JasonAmir-qo4uo]

I wonder where he gets his analysis from. I’m very impressed with his resume

[@TheDuke792]

Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $485k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently

[@leelaambekar604]

sir I am gov employee .nps dharak hu kya nps tier 1 me mera account hai gov. ne mera rs .kaha invasr kya hai hum online dekh sakte hai kya.

[@prasadbhor5423]

Thanks for good information... NPS mai 2 option h tax benefit ke Ek Mai 2lac tk aur dusre Mai 50k tk uske bare Mai Ek video banao

[@ravikirti1746]

Very useful information..! One ques - if the person dies before 60 yrs. What will happen to invested amount

[@sheelchandradubey5957]

Sir, I appreciate you tech topic in very simple way with example ☺️

[@AssetYogi]

Glad to hear that

[@manjunathm3968]

Hi, how to subscribe for this NPS pension plan and set auto debit ?

[@Shorts_Dance_Videos_Best_Ever]

Sir ,you well explained the ABC of NPS I just have two queries- 1. How much amount nominee will get in case of account holder death ? 2. If someone stop investing amount in NPS account after few years and want to take out the money, what they have to do ? Is it possible or not OR is there any deduction in the deposited amount ?

[@souravmondal5913]

You elaborates the topic nicely and we understand the topic very easily. But my question is ... I think we should also think about the value of 2 crores after 30 years, because inflation eats our wealth. Am I right ??

[@khanirshadkhanirshad9838]

Will an NPS employee can get gratuity and leave encashment also at the time of retirement ....please let me know it ....

[@arnabbhar4830]

NPS Tier 1 vs LIC Jeevan Umang (Table No. 845)...... which is better & why ? I want a video on this matter

[@VK-xx7qu]

Lic jeevan umang is better option than nps

[@VK-xx7qu]

Lic jeevan umang gives gutanted return

[@tarakshah9336]

Tier 1 maximum investment

[@sunnybherwani5912]

Sir isme jo money contribute hai na usme apan ko apna 10 percent likna hai ya ohir govt ka bhi 14 percent likna hai?

[@ravikant78]

Sir please make a video for state gov employee, 10% basic pay +14% gov contribution.

[@samchannel2923]

Nice, But sir NPS account open karte samay cancel cheque anivarya hai to join account ka cancel cheque chalega ky aur joint account net banking chalegi ky? Please reply

[@rajarani123456789]

Assuming 7% inflation, the value of Rs 60,000/month pension after 30 years will be less than 10,000. So will this be sufficient pension? Old pension scheme was far far better than this NPS especially for Govt employees.

[@chandansarma0]

No DA also. After further 10 years it will become less than 5k. Old pension scheme holder salary is double than NPS holder if calculate with pension future value.

[@ijomuaythai105]

Ya.. That's true.. After 30 years value of 70k would depreciate to around just 2k or 3k...nps is a scam..

[@MohitChaturvedi-ef6op]

Old pension scheme is not good for country

[@tarachandverma733]

Dear sir, pl. clerify in old pension scheme , the monthly amt. deducted as spf same amt. is added by employer also but in nps employer is not investing anything .

[@Life_with_mayank]

NPS उनके लिए सही है जिसकी SERVICE कम से कम 30 साल की है कम समय या ज्यादा उम्र में नौकरी लगने वालों के लिए बस मजाक हैं😂😂😂

[@princelahre5402]

Sir wo pension fund manager me 3 choice hai to 3 ka sum add kr ke pension milegi

[@manmeetsinghbawari4154]

Mukul sir, your channel is very very knowledgeable, I watch each and every episode

[@sandeepmankar8546]

Sir one time invest kar ke.. Every month expense kaise withdraw kar sakte hai. For example mere Paas 25 lakh after selling the property .. After investing next month se kitna rs per month withdraw sakte hai and where to invest?

[@DineshKumar-lt9ch]

Tell us the difference between OPS and NPS

[@abhijitchatterjee537]

Whether annuity amount be credited as monthly pension amount post retirement?

[@ashubehu]

How you have make this video bro, men ur full picture video with ppt typing plz send me or make a video

[@ramkrishnabramhane271]

On commencement of annuity, Tyre-1 account will gets closed. Then whether the Tyre-2 account will be closed or how ?

[@PankajBahuguna]

Thanks for the detailed information. I've one query , what if applicant expires before the age of 60, what is going to be the further due course, how nominee can claim that amount and when they are application to get that amount.

[@pushkerpandey9312]

Go to you tube channel.. NPS ki pathshala

[@moh_visht]

Kya tier1 and Tier 2 account dono m ek saath investment kar sakte hai

[@lokeshjoshi9734]

Your videos related to financial schemes are very good whatever I watched. Appreciated. Keep it up . All the best 👍👍👍👍👌

[@AssetYogi]

Thanks for appreciation Lokesh :)

[@mithuroy906]

@@AssetYogi Plz somebody help....I resigned from govt. service in 2014.. In, 2020, now my nps balance is 5.13 lakh....If I don't withdraw/exit from NPS and the accout lies idle for the next 20 years, i.e my retirement age, Will my NPS amout be sized by the govt in the between this period and it refunded to the govt account ?.

[@alokmarval4432]

Can u pls tell what will happen if the nps account holder dies. Does it provide death cover ?

[@dr.samudrasaikat5833]

I invested ₹55000 in UTI debt fund (100% G). But XIRR is (-)10.0%. I never saw my money is growing. It is always negative even in Debt fund. How can you assure people of 10-12% return from NPS?

[@rnhotta18129]

I am a government employee and getting 10% XIRR since 2009.

[@rnhotta18129]

In 2009, it started with ₹ 10 NAV and today it is ~ 28.8 . That's a 10% cagr over the 11 years.

[@omkarnath1385]

@@rnhotta18129 now what ROR you are getting 1% or 3%???

[@rnhotta18129]

@@omkarnath1385 10.5% CAGR

[@dh.sharma5070]

Sir plz bata dijiye ki NPS bhi PPF ki tarah online oprate kar sakte h?

[@girishmmp1333]

Sir, of all fin literacy channels, your videos have maximum content in minimum time & that too very lucid & explained in lay man's language. Grateful for your help.

[@sangeetsongs7191]

Mai ek State govt TGT hu 16feb 2008 ko service start kiya...kitni pension banegi..automode mey?

[@Exploreseas]

Sir can you please advise, what happens when a nps subscriber dies prior retirement age or before 60yrs.

[@AssetYogi]

Nominee will get benefits

[@Exploreseas]

Can you please elaborate what kind of benefits, like what percentage of the deposited money will they get or what amount of pension, or any link with details of my queries please

[@vedicwisdomm]

72000 or 53000 seems big, but need to consider the present value as well, i think

[@kennilesh2000]

Superb explanation👍 Thanks asset yogi for clarifying my all doubts🙏🙏😊

[@AssetYogi]

Hope it's helpful:)

[@shrikantadora9562]

Awesome explanation sir... thanks for the information.

[@AssetYogi]

Most welcome Shrikanta.

[@कुसुमलतापुंडोराकुसुम]

thank you for making it so simplified

[@AssetYogi]

Glad it was helpful!

[@PranavKumar-wg8cs]

Could you please let me know, when we need to opt for Annuity plan. While opening the account (2 years ago), couldn't find any option to select any Annuity plan.

[@The_SSC_LAB]

Perfect explanation ❤️

[@AssetYogi]

Glad you think so!

[@maheshgoswami9490]

Mari age 50 year che to mare kya pention skim ma vathare fayda thai and kema manthly invest karai teni jankari apso

[@VinayKumar-np9ec]

Sir as per sec 80 CCD (1B) of IT act deduction of Rs 50000 can be availed

[@Devendramahto4]

Tear 2 me jo paisa dalenge to wanha v mutual fund ke jaisa commission lagega ya commission free hoga

[@amriksingh2534]

Kya central govt employee 20 saal me 60"/, nekal sakte hai

[@saumilshahc1155]

Dear sir.. In the calculator on website of NPS desclaimer is shown that this figures are idication only....what is the meaning for that

[@lalluherenz5791]

Means that is only indicated value original may differ.... original value can increase or decrease no Guarantee..

[@rahulmax12]

Very informative and concise video. Liked it

[@AssetYogi]

Thanks for appreciation Rahul :)

[@annudhiman3260]

Government employee ko konsa tier select krna chiye

[@Tsaha-pg1oz]

Sir only central government employee k lia NPS video banaye... 10% of Basic pay+ 14 govt contribution

[@AssetYogi]

Noted the topic suggestion.

[@Ehcdy]

सर जी सेंट्रल आर्म्ड फोर्स के बहुत सारे कर्मचारी 20 साल बाद 20 साल बाद स्वैच्छिक सेवानिवृत्ति लेते हैं तो उनको एनपीएस द्वारा उस समय कितना पेंशन मिलेगा सर इस पर एक वीडियो आप जरूर बनाइए

[@arunkumar-oh3hg]

Totan Saha

[@suvamdey3958]

cntrl govt ka ma ka chuyyt

[@indiangypsy6869]

Hi sir If person government servent take retirement befor the age 60, then NPS account will be close for pension than what will be with tire 2 account. If we want to continue for SWP.

[@subhasis440]

You didn't mention about lum sum withdrawal terms on NPS. I heard only 40%/60% is tax free on lum sum and 20%/60% is taxable. Is it true?

[@9451791]

With Lumsum only 60 % can be withdrawn and it is all tax free in Tier 1

[@DeepakSharma-it8vd]

Sir Maine atal pension yojana mein khata khula hai to Kya main NPS mein invest kar sakta hun kripya bataen dhanyvad

[@pranjalahluwalia]

Please elaborate again on the Tier 2 account and also explain when is the amount starts like from when which age we will start getting the monthly pension upto which age ?

[@VikramSingh-dj5hh]

From the age of 60..

[@bsk3800]

@@VikramSingh-dj5hh Until death

[@hiteshmishra6653]

Sir , lump sum kr skte hai kya ?

[@shalakam1617]

Very Informative videos on NPS. But actually , while investing in NPS we should consider factor that investment in NPS is increased with increase in salary for government employees. How to calculate NPS for such customised cases? can you please guide it through excel sheet?

[@AmanDeep-dd9xk]

Sir kya epfo and apy wale bhi nps le sakte hai

[@DeepikaAditya]

Time value of Money bhi samja dete. Value of 1 crore after 30 years is not whats its today.

[@priyabratasahoo5689]

Sahi Bola vai...bo bhi to batao

[@smbehindyou]

Yes true indeed. But at least your money getting devalued over the time. What you have now, you get that after 30 years, with the market valuation of that time. :-)

[@DeepikaAditya]

@@smbehindyou so that is one important fact while planning for retirement. How much money do you need at retirement.

[@raviadvani8423]

If I have already open Atal pension Yogna and having PRAN no. Should I get another PRAN no for NPS? Or PRAN no will remain same for APY and NPS

[@abhishekkaushik4827]

Sir, request you to share the link for comparison of NPS with other investment options.

[@AssetYogi]

Here is the video Abhishek, You can watch. ( kzbin.info/www/bejne/r3yTmn6hncSejtU)

[@rasikasawant6820]

Nice video sir,but how much amt investment in monthly?

[@moneyvationk]

NPS is a good option for long term retirement planning ❤

[@AssetYogi]

Indeed

[@sanjoymisra5309]

A to dekho ki pension fixed hai. Retirement pe pension agar 50k hoga to same amount 10 years badh v hoga. No DA like OPS. Kaise chalega

[@hemlatalad9929]

Sirji... What is better NPS or HDFC ka pention plan

[@kuku000007]

Sir, your videos are easy to understand and you provide info in great detail. You are doing a remarkable work. I always wait for your new uploads. Please don't stop this channel. Wishing you all the success for your channel!

[@AssetYogi]

Thank you for appreciation 😊

[@mithuroy906]

@@AssetYogi , Plz somebody help ----I resigned from central govt .service 2014..Currently my nps balance is 513455....But last few days ,I am noticing that everyday the amount is increasing by 1-2k(aporox.) ..Now my queation is whether it would be right call to withdraw the amout now or I should wait for further so that tje amount increases as it is increasing now. My second question is how do I know my basic corpus amout & whether it is a fixed amout which is taken into condideration if I opt to withdraw right now or later....

[@mranilbhai1359]

Retirement age 60 hogi ya phir vr scheam lekar hum continue kr sakte hai aur pansion kis umr main chalu hogi

[@preksha888]

Very informative and useful series of videos, thank you 🙏

[@AssetYogi]

Keep learning 😊

[@preksha888]

Sure Sir🙏

[@arijeetmanna]

Mera cancel cheque nehi ka kya main nps me invest kr sakta hu?

[@sarojde9808]

I am a CG employee.I guess my tier I amount will be rs 20 lakhs on my retirement.Than what will be my monthly pension on retirement

[@SaurabhMishra-tt5qt]

12000

[@GauravkumarSingh7]

I have EP and PPF accounts. Do I still need NPS just for the sake of retirement planning? Or, should I start NPS from only long term investment perspective? My age is 26 years and looking for safe investment.

[@rasedquazi4952]

Sir, I (30 yrs)have joined recently in central govt. and it seems the possible retirement age might be 55 yrs. In that case the NPS plan will be calculated regarding to that?

[@prashantghugal1078]

Bank ke biller se paise nahi Kate hai ka..?

[@umeshchandrasati]

Hi Mukul ! Can Armed Forces Personnel also apply for NPS (Tier 1 as well as Tier 2)?

[@rajm8682]

Yes

[@HUMBLEMA]

Sir ji, ye plan bhi paise walo ke liye hai. Garib kya deposit karega aur current inflation se kya milega usko

[@amitdhariwal02]

Employer contribution ka kya scene hai sir for govt. Employees ?

[@divyanshu5920]

Sarkar degi paisa matlab contribute karegi for govt. employee..

[@mukeshsawleshwarkar3461]

@@divyanshu5920 NPS DANGER OPS KI DEMAND KARO

[@divyanshu5920]

@@mukeshsawleshwarkar3461 aise nhi mil jati Ops ab privatisation ho rha hai sarkaar jitna pasia bacha sakti bacha rhi hai... It is not posiible to bring OPS kyuki NPS me govt ko bahut benefit hai

[@sumitghosh5029]

Hello sir. Acha yahan pe jaisa aap bol rahe hain ki NPS ke corpus ka hum kuch hissa lumpsum me bhi le sakte hain aur kuch hissa as monthly pension le sakte hain aur apne nominee ko bhi carry forward kar sakte hain. Too EPS ke case me bhi kya hum kuch lummpsum, kuch pension aur baad me nominee ko carry forward aisa kar sakte hain?

[@neelkayasth8102]

Is the amount of corpus invested in annuity plan of Rs 1 cr shown at No 1 for pension around Rs 72000 pm is not returnable? And if not whether we should invest in plan which return our money with with less pension or to get higher pension wothout taking our money back.

[@JPMahapatra]

Tier 2 me kitna returns milta he

[@patelmanish3455]

Sir Paytm money se kese invest nps me kare batao please

[@shyamarora6352]

Sir, there is also alternative investments in which amount is invested by the pension fund managers. You haven't discussed about that. Anyways thanks for sharing valuable information on NPS. I always watch your videos.

[@binaypandit3466]

nps account k lya, demat or trading account hona zaruri hain?

[@AssetYogi]

No

[@debabratadas288]

Tier 1 account calculate if service person death before completing his service ?

[@rnhotta18129]

The accumulated corpus will be apid out to nominee.

[@futurecomputersjwr]

Sir I have a question, Can we use kfintech for NPS and can we use short time investment in NPS, and if after withdrwal amount after 60 years if death occur then that how many types family get that remaining amount

[@anoopsoni8237]

Hello, I have opened by NPS account through ICICI bank but for each transaction they charged around 11 INR. Now I have changed POP to eNPS. post that I am giving only 70 paise. So is it good to change POP to eNPS. Please share advantage and disadvantages

[@rkdubey4237]

Pl let us know

[@rameshchandr5770]

Today I opened PRAN account but where should I select pension plan

[@bhagyeshmatliwala8699]

after hearing you. I will open account

[@sahebsaha5873]

Dont open

[@bablumlp7074]

@@sahebsaha5873 kyu bhai

[@sgswarankar7947]

Hi, Sir maine SBI Fund Pension Choose kia h Joki Moderate Auto Choice Investment option h. esme 50%,30%,20% ka tier bna hua h. kya ye sahi investment h...?

[@tgrajput67]

Tire 1 में जब contribution करने गया तो 18%GST और 0.67% कोई और TAX क्यों काटा जा रहा है ? और इसका नुकशान /फायदा क्या है सर? सर महेरबानी करके इसके बारे में बताने की कृपा करें

[@charanthebond2]

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?

[@abhijeetlonkar6427]

Thank you so much sir for all the information. Need one clarification if NPS holder died before age of 60 or 65(before age of retirement). Any benefits for spouse and dependent or how much amount returns back to the family? Please put some light on this.

[@normalperson1130]

according to NPS website - Upon Death - The entire accumulated pension wealth (100%) would be paid to the nominee/legal heir of the Subscriber and there would not be any purchase of annuity/monthly pension

[@tanujthakur1912]

Sir ak bat puchni thi goverment employee hai or agar 9000 vo nps m dal rha h or 9000 he gov dal rahi h to kitne amount bnega retirement par. Kyuki apne jo dikhaya h usme srf 10% ke hisab se amount dikhya h????? PleaS answer

[@Kishori_ke_kanha00]

Sir Kya m apne retirement se phle kuch amount withdraw KR skta hu.

[@sahejg3635]

Yes you can withdraw to meet medical expenses,purchase of house property and higher education of your children and marriage of children.after 3 year of subscription and at agap of three year thrice.

[@vikramsharma6664]

Mukul g NPS main account open kaisay hoga kaun say documents chahiye pls tell me

[@MegaSinghy]

I am planning to resign from government to join private company, I have completed 5.5 year of government service, what all options I have for withdrawal of my money or can I continue in private job to.....please help

[@sarajitghosh8866]

Same problem

[@Khamza-b7n]

can it beat depreciation against inflation?

[@abhikshome4501]

Gave a very good information elder brother. Thank you so much.

[@AssetYogi]

Thanks for appreciation Abhik :)

[@pinakpaninath4500]

Is NPS is secured, or old pension is batter.

[@iambhaaratindia9666]

Sir please make a video specifically on NPS for government employees