Top 5 NPS changes that you must know about | Get more out of your NPS

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ET Money

ET Money

Күн бұрын

Пікірлер: 435
@ShadowLearner
@ShadowLearner 7 ай бұрын
And I am Central govt employee for last 10 yr ...nps return rate is 8.5 ...so stop day dreaming of 12.5
@Gaurav-ey3wt
@Gaurav-ey3wt 7 ай бұрын
True…mine 8.65
@investments_360
@investments_360 3 ай бұрын
It also depends on how much %age allocation to equity, if you have large portion for equity you will get higher return
@kvinit
@kvinit 3 ай бұрын
I have been serving in CG for more than 5yrs. I changed the scheme preference to 50% auto choice immediately after joining. Currently returns are 13.55 as of today.
@manjish3
@manjish3 3 ай бұрын
Mine 22% per anum
@sawan005
@sawan005 3 ай бұрын
If you use aggressive it will be high or lower depending on the risk
@hustleuntilendoftimee
@hustleuntilendoftimee 7 ай бұрын
Only change I am expecting from NPS is to make cut-off time 9:30 to 2 PM like it is for mutual funds. In that way we can get benefit of dips.
@deekshaseth459
@deekshaseth459 7 ай бұрын
पता नही कब होगा
@omprakashbaruah9425
@omprakashbaruah9425 7 ай бұрын
LoL. Unless you invest in crores, dips in nav don't matter.
@hustleuntilendoftimee
@hustleuntilendoftimee 7 ай бұрын
@@omprakashbaruah9425 I know, it wont make a big difference but if it can be done in MF why not in NPS.
@ishitasings_
@ishitasings_ 25 күн бұрын
Hi can you help me understand if the d remit needs to be initiated at the time when one starts an nps account?
@sudharsansathiamoorthy1075
@sudharsansathiamoorthy1075 7 ай бұрын
Excellent presentation for NPS till date 🎉🎉 Kudos to the ET team!!
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, we are happy to know that you found this video useful. Please share it with your friends and family as well and help spread the word.
@sandeshbs6898
@sandeshbs6898 7 ай бұрын
Considering inflation the amount that we get per month will be peanuts, it better to invest same amount in a small cap funds and "Not touching it till rerirement!" and can start SWP when we want to retire.
@ziko640
@ziko640 7 ай бұрын
Govt employees are still not given Active choice. Even the Passive (aggressive) is not available. Only passive (moderate) & passive (conservative) are available
@amitmahey3706
@amitmahey3706 7 ай бұрын
But for govt employees some money is also invested by govt which is not the case with private job employees.
@ketavatkirankumar
@ketavatkirankumar 7 ай бұрын
Because. If we lose money .we blame govt..
@ziko640
@ziko640 7 ай бұрын
@@amitmahey3706 that’s because after retirement no pension will be given. This is why govt makes contribution.
@ziko640
@ziko640 7 ай бұрын
@@ketavatkirankumar fair enough. This can be made optional. One who wants to take risk and generate higher return can’t do so at this moment as the option is not available.
@ketavatkirankumar
@ketavatkirankumar 7 ай бұрын
@@ziko640 instead what should they do is what ever investment we do upto 15% income and nps as in old tax system should be tax free at the time of investment.. that's enough no need of rebate and standard deduction..and no tax till 8 lakhs . because EWS is given under 8l
@pushkarerande123
@pushkarerande123 7 ай бұрын
The Irony : People stopped PPF contributions bcoz of 15 year lock in period. And now they have started NPS contributions JUST to save tax, but they get lock in period of 30 to 35 years, depending on age.
@prakashkabra9852
@prakashkabra9852 7 ай бұрын
Every investment vehicle has a purpose. NPS or even PPF from the earlier years are meant for retirement. So the amount one invests should be the amount that they intend to withdraw at retirement or during any emergency. If you intend to withdraw or book profits from your investments more regularly, there are other investment options.
@gustavofring111
@gustavofring111 7 ай бұрын
I stopped PPF 3-4 years ago after they stopped increasing interest based on inflation, not coz of lock-in
@shubhamjain54519
@shubhamjain54519 7 ай бұрын
@@gustavofring111 where do you invest now
@anuragdixit7
@anuragdixit7 7 ай бұрын
Lockin is 7 yrs
@tmg1219
@tmg1219 7 ай бұрын
But asset class is different. NPS allows 75% equity allocation, and equity has historically given much better returns than PPF over the long term
@abhishekpurwar9932
@abhishekpurwar9932 7 ай бұрын
Excellent ! Tax free SLW withdrawals are just like hassle free monthly pension
@jishnu18
@jishnu18 7 ай бұрын
but that is not a good choice as your money will not grow. atleast put them in a FD you ill et 7% return on it
@overtomanu123
@overtomanu123 7 ай бұрын
@@jishnu18 It should grow as I think it will stay invested, similar to SWP in mutual funds
@abhishekpurwar9932
@abhishekpurwar9932 7 ай бұрын
@@jishnu18 i think it will work like SWP of mutual funds with additional tax free nature
@jishnu18
@jishnu18 7 ай бұрын
@@abhishekpurwar9932 it will only be on minimal returns
@thor3932
@thor3932 6 ай бұрын
Who will buy then Anil Ambani junk Reliance Annuity
@AdamMontoya6326
@AdamMontoya6326 7 ай бұрын
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Michelle Stewart
@LiamMason206
@LiamMason206 7 ай бұрын
The first step to successful investing is figuring out your goals and risk tolerance either on your own or with the help of a financial professional but is very advisable you make use of a professional.
@karenrobinson598
@karenrobinson598 7 ай бұрын
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.
@FrankWilliams790
@FrankWilliams790 7 ай бұрын
What impresses me most about Michelle Stewart is how well she explains basic concept of winning before actually letting you use her trade signals. This goes a long way to ensure winning trades.
@DonaldHuge
@DonaldHuge 7 ай бұрын
Isn't that the same Mrs Michelle Stewart that my neighbours are talking about, she has to be a perfect expert for people to talk about her so well
@elizabethkarvelas308
@elizabethkarvelas308 7 ай бұрын
I'm new at this, please how can I reach her?
@srikanthdeevi2435
@srikanthdeevi2435 7 ай бұрын
Please do a separate video of nps for government employees as we are not having a choice to change our equity allocation
@chandankumarr
@chandankumarr 7 ай бұрын
you can change as per your choice. I think two times a year change is allowed. I have changed it to HDFC on my own
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your suggestion. Will share it with the content team.
@gokulrock1526
@gokulrock1526 7 ай бұрын
@@chandankumarr Central government employee equity 75% possible????
@chandankumarr
@chandankumarr 7 ай бұрын
@@gokulrock1526sorry. I have no idea about that
@srikanthdeevi2435
@srikanthdeevi2435 7 ай бұрын
Please tell me how to change allocation of equity for government employees
@65nagaraju
@65nagaraju Ай бұрын
You should have also added the info related to what happens if the person passes away. Will the nominee be paid the rest of the money? is it taxable? Will they be entitles to take pension?
@Vijay_Mohan_Reddy
@Vijay_Mohan_Reddy 7 ай бұрын
I activated my virtual id after watching this video's, thank you ET Money team
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.
@VmlucyBDaGV2aQ
@VmlucyBDaGV2aQ 7 ай бұрын
Annuity should be made optional. And annuity investors should be provided higher rate of interest. Gov shouldn't make it mandatory unless there are any additional benefits.
@iamsurojit
@iamsurojit 7 ай бұрын
Nailed it. Exactly how I always felt about this worthless NPS 'scheme' Govt rammed down the throat of its employees. It does not have liquidity, options, return, security or even inflation-proof pension for that matter. It stands no chance in financial market other than helpless employees forcefully contributing to bloat the gains of a few scamster annuity providers.
@AdmiringIntrovert
@AdmiringIntrovert 7 ай бұрын
P in NPS stands for pension
@VmlucyBDaGV2aQ
@VmlucyBDaGV2aQ 7 ай бұрын
@@AdmiringIntrovert NPS is a pension scheme only for name sake.
@jishnu18
@jishnu18 7 ай бұрын
If annuity is made optional then the expense ratio of nps will be high. By annuity only these fund houses make profit
@VmlucyBDaGV2aQ
@VmlucyBDaGV2aQ 7 ай бұрын
@@jishnu18 reasonable expense ratio is better than mandatory annuity. Currently NPS schemes are anyway managed like passive funds
@sdatta123
@sdatta123 7 ай бұрын
After introduction of SLW, what the need of Annuity? Hope 100% withdraws can be possible via SLW soon.
@boundless_learning
@boundless_learning 6 ай бұрын
Annuity is to pass your wealth to your next generation, so that you would remain in their happy memories..
@manjunath9657
@manjunath9657 7 ай бұрын
Good video. But can you explain what happens to the annuity after the death of the subscriber. It goes to the nominee as a monthly pension or lump sum given?
@kuldeep7040
@kuldeep7040 7 ай бұрын
For spouse monthly pension For kids lump sump return
@nitin3288
@nitin3288 6 ай бұрын
Its too simple to understand thanks for the explaination
@charanthebond2
@charanthebond2 25 күн бұрын
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?
@NasheerMohammad
@NasheerMohammad 3 ай бұрын
Thanks for making video on NPS. Is it possible to 1.change invest from Auto to active in NPS? 2. Chage fund manger in equity ?
@bigactivaties
@bigactivaties 15 күн бұрын
Yes only if you are private and not a govt employee
@balajiradhakrishnan3400
@balajiradhakrishnan3400 7 ай бұрын
Good video. Can you also touch upon the difference between employee and employer contribution of nps. There is no clear clarity on the tax saving and premature withdrawal part for both
@balajiradhakrishnan3400
@balajiradhakrishnan3400 7 ай бұрын
@@eprabhat Thanks. And on the tax front from investment perspective. Is 10% of basic salary exempted from taxation for employee contribution. However big it is. For example, if my 10% of basic is 2.5 lakhs. I will get a tax exemption of 1.5 L(80c) + 50k(80ccd1) + 2.5L(80ccd2 - employer contribution). Even my CA is saying the total limit will be just 1.5L. So, I am confused.
@abhaysikarwar7094
@abhaysikarwar7094 7 ай бұрын
​@@balajiradhakrishnan3400you will get the tax benefit of 1.5L+50k+2.5L So total it would be 4.5L. I am claiming the same benefit for past 2 years now.
@umamifit5679
@umamifit5679 7 ай бұрын
​@@balajiradhakrishnan3400employee contribution exemption 1.5L(80C)+ 50k(80CCD1B). Employer contribution is fully exempt.
@RishiLabs
@RishiLabs 7 ай бұрын
​@balajiradhakrishnan3400 even I am stuck with same confusion ? If you get better understanding pls do share. Thanks.
@ashutoshbajad5084
@ashutoshbajad5084 7 ай бұрын
Hi, there are 3 tax benefits in NPS which a Corporate Subscriber can get. Who is a corporate subscriber? Answer is a nps subscriber who shift or join NPS to their company/corporate account so that 10% od their basic salary is invested to nps account on monthly basis. 3 tax benefits are - a) u/s 80 C - Limit is 1.5 lacs, mostly it gets fulfilled with employee pf, insurance etc. b) u/s 80 C 1 B - this sec is exclusively for nps, limit is 50k. Now both 80c & 80c1b are for individual contribution, it means contribution towards NPS account from your own bank account. c) u/s 80 C 2D - here in this sec your contribution of 10% of (basic+DA) salary through your employer is tax exempted. Limit for this is 7.5 lacs which includes employer PF, employer NPS & superannuation fund. Corporate subscriber can get benefits of all 3 tax benefits in old tax regime. And only of 80C2D - 10% of Basic+DA salary in New Tax Regime. You can connect with me on WhatsApp for more info on NPS by using this link - wa.link/sp7rjh
@avijitpaul1728
@avijitpaul1728 5 ай бұрын
What are the entire charges of NPS.kindly brief about the charges.
@biswajitdebnath758
@biswajitdebnath758 7 ай бұрын
What is best for govt employees???? Make a video on these issues.
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your suggestion. Will share it with the content team.
@Buenasuerte122
@Buenasuerte122 7 ай бұрын
Predicting market movements is extremely difficult in reality. It requires the investor to be right twice: Essentially why individuals engage the service of experts who provide proper strategies to navigate the markets
@PatriciaGabrielaTorres
@PatriciaGabrielaTorres 7 ай бұрын
Building a good investment portfolio is more complex so l would recommend you seek Theresa Walton's support. This way you can get strategies designed to address your unique long/short-term goals and financial dreams.
@bsquarebuilding
@bsquarebuilding 7 ай бұрын
What I appreciate about Ma'am Theresa is the ability to tailor strategies to individual needs. She recognizes that each investor has unique goals and risk tolerances, and she adapts her advice accordingly
@AqilUmar-md7rm
@AqilUmar-md7rm 7 ай бұрын
Her technical analysis is excellent and her interpretation/projections of the market are so accurate I sometimes ask myself if she is human 😂 . The point is, that theresa is the perfect trader to follow for advice and daily signals.
@Rudenz8
@Rudenz8 7 ай бұрын
Sincerely speaking. I will continue to trade and stick to her daily signals and guides as long as it works well for me
@SaimirDervish
@SaimirDervish 7 ай бұрын
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.
@livingfossil02
@livingfossil02 7 ай бұрын
It's different for Govt Employees. For example we can't change share of Equity. We are put in default choice only. Further we can't change fund manager too. Please make a dedicated video on NPS for govt employees.
@madhurralhan5941
@madhurralhan5941 7 ай бұрын
Govt employees can also choose fund manager and scheme.
@livingfossil02
@livingfossil02 7 ай бұрын
@@madhurralhan5941 not in J&K
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your suggestion. Will share it with the content team.
@sobankuchi6345
@sobankuchi6345 Ай бұрын
Good video and helps a lot to understand NPS. Can you please do with contents of understanding the returns for existing NPS holders
@vignesh_m_1995
@vignesh_m_1995 7 ай бұрын
How are gains from Tier 2 NPS taxed during redemption?? Is it taxed like an equity fund (10%) or like the old dept fund (20%) with indexation benefit or as per income tax slab??
@anuragbansal4750
@anuragbansal4750 7 ай бұрын
I think nothing is clear on that and hence you must.presume it is taxed as long term.debt
@vignesh_m_1995
@vignesh_m_1995 7 ай бұрын
@@anuragbansal4750 you mean like old dept fund (with indexation)
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, there is limited clarity on the taxation of the Tier II account. One practice is to tax the gains as per the applicable slab. Please consult a tax advisor for more information.
@nikrecovery7969
@nikrecovery7969 7 ай бұрын
It's a nice video...but please make a video on taxation of withdrawal from NPS Tier 2...if someone withdrawal money from Tier 2...how it will be taxed ? Will it be as per income tax slab or it will be capital gain tax..please enlight on this area..
@Dushyantgiri
@Dushyantgiri 7 ай бұрын
It is not clear but people consider it as ltcgt
@shivajikakad5098
@shivajikakad5098 4 ай бұрын
Very well explained sir ❤ If you could please explain only Corporate NPS in details with calculations that will be great 😊 Thanks
@easwarandevaraj7085
@easwarandevaraj7085 Ай бұрын
Hello sir, Thanks for the detailed explanation, Request you to answer one quest: I am completimg 10 years of NPS investment in private sector, and planning to prematurely Exit at age of 45. I understand 80% of my corpus will go to annuity purchase, so will i get annuity pension pay back every month immediately from the age 45 itself or only at age 60 it starts. Kindly clarify. Thanks in advance!
@JishnuChatterjee
@JishnuChatterjee 7 ай бұрын
The intro music reminds me of Turning Point on Doordarshan. Great video, btw.
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.
@arunbabuayiriveetil2540
@arunbabuayiriveetil2540 7 ай бұрын
The fees/charges in NPS are not very clear. Though this is a low-cost fund management option, I see there are a lot of deductions whenever we contribute monthly to this fund. How that is getting effected on the final contribution. Can you make a video about the cost of NPS?
@AChannaChikkamath
@AChannaChikkamath 7 ай бұрын
So many charges indeed. Very sad
@Dagarsahil
@Dagarsahil 7 ай бұрын
Contribute through the NPS trust website only, if you use ET money, paytm or any bank , you have to pay the intermidatory charges. One more thing, it is better to use your time to solve problem instead of commenting. I did it for ur benefit
@shivkumarb150
@shivkumarb150 7 ай бұрын
If you check the whole amount deducted for a year it is not more than ₹300. It's ok for that cost
@arunbabuayiriveetil2540
@arunbabuayiriveetil2540 7 ай бұрын
@@shivkumarb150 I'm not sure about it. In most of the cases the deduction is not in terms of money but cancellation of units which makes it hard to understand how much money has been deducted
@avijitpaul1728
@avijitpaul1728 5 ай бұрын
What are the NPS trust websites with minimal charges.
@t.v.kalyan5191
@t.v.kalyan5191 6 ай бұрын
Thank you for such an informative video team. Can you please provide reference to Point 5 in "Other noteworthy changes" ? It would be of much help. Thank you!
@user-zc2ij5rx1r
@user-zc2ij5rx1r 7 ай бұрын
Please make a video about NPS tier 1 and Tier 2 account amount withdrawal charges and also about annual maintenance charges of NPS Account and also make a proper withdrawal video about NPS Tier 2 Account.
@rohanpawar8441
@rohanpawar8441 7 ай бұрын
Please could you do a video on partial withdrawal in NPS with complete procedure...
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your suggestion. Will share it with the content team.
@manojkolhe1
@manojkolhe1 7 ай бұрын
plz make a seperate video for goverment employees . we have standard option instead of active n auto ? can you elaborate that? also why cant we allot 75% in equity ? is there capping of 50% for gov employees?
@sivaram547pamarthi
@sivaram547pamarthi 7 ай бұрын
Yes, govt employees can contribute either in lc50 or lc 25 only
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your suggestion. Will share it with the content team.
@manishagupta1991
@manishagupta1991 7 ай бұрын
When I opened my nps account last month, it wasn't giving the option to choose different fund managers for the different categories as E, C and G.... Had to choose one fund manager for all
@santoshkumar-je4ss
@santoshkumar-je4ss 7 ай бұрын
How I can transfer my existing NPS from cams to proton ?
@deepakpatel4186
@deepakpatel4186 7 ай бұрын
Brother Superb...Want to Know if I change the Ratio of Equity (currently 50%), corporate debt, government bond and AIF...from LC50 - Moderate Life Cycle Fund to Maximum Equity 75% . how it will happen and what will be effect it will be from Current Period or changes will be from earlier investment also
@ishitasings_
@ishitasings_ 25 күн бұрын
Hi ET team. Wish to seek a clarity. When should one needa to open a d remit account?
@abhisheksaraf6434
@abhisheksaraf6434 7 ай бұрын
Thanks a lot for the info.. I have subscribed to NPS and regularly investing in it for the past 3 years via ETMoney itself...could you please tell me if ETMoney has option to select multiple fund managers for each category as well or it has to be done from NPS website or so? Also, the SLW option seemed interesting - can we opt for it via ETMoney at the moment??
@priyanathdan4503
@priyanathdan4503 7 ай бұрын
I have done that in NPS site, selected different Fund manager for different categories.
@stillwatersnightsky6533
@stillwatersnightsky6533 6 ай бұрын
Have the same question, and also is it better to do nps myself via ETmoney or in other words, benefits of applying for additional nps that my employer is offering with hdfc??
@priyanathdan4503
@priyanathdan4503 6 ай бұрын
@@stillwatersnightsky6533 it is same in all platforms, there are no differences, you can select any fund manager from any platforms.
@jatinbhatia4345
@jatinbhatia4345 7 ай бұрын
Can a public sector bank employee choose the following things in nps or whether its fixed for them: 1. The fund manager for each asset class 2. The asset allocation (equity and debt)
@Lamp141
@Lamp141 7 ай бұрын
Nice video with all necessary advancements explained. NPS seems to be the best Govt backed avenue today and in future with many such favorable advancements in the pipeline. Also helpful in tax savings for salaried individuals.
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, nothing pleases us more than knowing that our content proved useful to our viewers. Do take out time to share it with your near and dear ones as well.
@TF-do9eq
@TF-do9eq 7 ай бұрын
Please make comparision video of NPS ,PPF & KVP.
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your suggestion. Will share it with the content team.
@GauravSingh-le8mq
@GauravSingh-le8mq 7 ай бұрын
Cannot withdraw till 60 years of age, 40% for annuity, no guarantee for return. If I can’t use the money when and how I want to use it then whose money is it? I’ll pay tax but I want control.
@anandjain6690
@anandjain6690 7 ай бұрын
Hi, I have an existing NPS account. Can that I can manage from ETMoney App?
@abhishekpurwar9932
@abhishekpurwar9932 7 ай бұрын
Please make a video with examples of SLW system and the transaction charges one has to bear alongwith tax benefits.
@akhileshsatbhai7579
@akhileshsatbhai7579 3 ай бұрын
Even though Marathi is my mother tongue, after watching this I got to know the pronunciation difference between the words. I never observed it before.😅
@alam8340
@alam8340 20 күн бұрын
Nps tier 2 gain calculation are tax every year or only withdraw time tax is calculated?
@MunishKuthyal
@MunishKuthyal Ай бұрын
Rather than investment in nps , i would like to invest in mutual fund because this is what they do with our money in nps.
@RavindraSingh-s2u
@RavindraSingh-s2u 27 күн бұрын
Interest on annuity corpus is less than fixed-deposit, in fixed-deposit one can get the whole money whenever they want, then why someone consider to invest for annuity?
@nitinhellsailor
@nitinhellsailor Ай бұрын
I am employed at Chhattiagarh State Power Company and my company has opted Only one Fund manager. When I'm trying to switch to another fund manager it doesn't allow me citing my employer has selected the same for all employees. My query is can I switch my fund managers??
@ashwanisharma7728
@ashwanisharma7728 5 ай бұрын
Sir it's my humble request plzzz make video on how can a government employees maximize it's nps returns?
@navinkumarnayak3549
@navinkumarnayak3549 Ай бұрын
Simply superb explanation 👌
@ETMONEY
@ETMONEY Ай бұрын
Glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.
@dineshdilli
@dineshdilli 7 ай бұрын
Good work by ET money team and excellent presentation 👌
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, nothing pleases us more than knowing that our content proved useful to our viewers. Do take out time to share it with your near and dear ones as well.
@ravithejagarre
@ravithejagarre 7 ай бұрын
Good insights about NPS. best Tax saving option
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, we are happy to know that you found this video useful. Please share it with your friends and family as well and help spread the word.
@biswajitdebnath758
@biswajitdebnath758 7 ай бұрын
Can a govt employee choose active choice???? Answer me please!!
@Blackstar25109
@Blackstar25109 7 ай бұрын
Govt employees er maximum equity allocation 50% er beshi kora jay na
@sourajroy2033
@sourajroy2033 Ай бұрын
Tell politicians to surrender their OPS with effect from 2004 and come under NPS. Stop fooling us.
@japsimransingh9108
@japsimransingh9108 3 ай бұрын
Plz tell can state govt employee opt or change to active investment strategy?Last time i tried to change they said its not available for state govt. Employees
@phoenix_ever
@phoenix_ever 7 ай бұрын
Good video, could you please cover more details on the alternative investment in NPS, how to opt for it and the benefits of it
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your suggestion. Will share it with the content team.
@ilovekittens7005
@ilovekittens7005 7 ай бұрын
75 % Equity allocation for non government employee contribution. government employee can invest only 50 % through LC50 (auto choice)
@gokulrock1526
@gokulrock1526 7 ай бұрын
Central government employee can change equity 75% , ????
@ilovekittens7005
@ilovekittens7005 7 ай бұрын
@@gokulrock1526 no
@sreenishnair9964
@sreenishnair9964 Ай бұрын
Can we increase/decrease the monthly subscription amount in NPS??
@surender_phogat
@surender_phogat 5 ай бұрын
Old pension is best
@guharup
@guharup Ай бұрын
Unsustainable burden on taxpayers and the nation
@trinayandas6927
@trinayandas6927 7 ай бұрын
How can employees changes the fund allocation, as it is locked in the system.
@lathaanand2329
@lathaanand2329 7 ай бұрын
Sir if the applicant died,with in 60 years what are the benefits for nominee.please enlighten.
@ThArUgU
@ThArUgU 5 ай бұрын
SLWP is dangerous when market is down as we will be withdrawing principal amount
@chetanmorzaria99
@chetanmorzaria99 7 ай бұрын
Very nicely explained 👍 enjoyed watching and got updated.
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.
@verma.007
@verma.007 7 ай бұрын
The SLWP for the 60% of the corpus is tax free right?? (Bec the same 60% if taken as lumpsum is tax free)
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, yes, it is.
@verma.007
@verma.007 7 ай бұрын
@@ETMONEY cool 😎
@AS23101
@AS23101 7 ай бұрын
What if one has APY and NPS both. how there both things work. please assist.
@deveshtiwari4942
@deveshtiwari4942 7 ай бұрын
Government employees should be given all the facilities available for corporate..like different fund manager to different assets
@anjelas2708
@anjelas2708 7 ай бұрын
Also explain in case of government employees I can contribute 10% 12% or 14% of basic salary plus DA
@amanhooda3876
@amanhooda3876 7 ай бұрын
You can invest as much you want to invest with minimum limit of 10% of basic plus DA. But govt will only contribute 14% of your basis plus DA.
@vignesh_m_1995
@vignesh_m_1995 7 ай бұрын
Does the SLW comes with the deferred annuity option (till the SLW is over)? Or should the annuity payouts start immediately while withdrawing?
@kavishwarmokal124
@kavishwarmokal124 7 ай бұрын
Annuity payouts start immediately (it can't be deferred) after purchasing the annuity plan with 40% of corpus. SLW can go simultaneously along with annuity.
@vignesh_m_1995
@vignesh_m_1995 7 ай бұрын
@@kavishwarmokal124 ok, so it means even purchasing should happen immediately at the beginning of SLW not at the end of SLW.
@gajanandgupta9728
@gajanandgupta9728 7 ай бұрын
NPS Should cover some life risk coverage also, since it is long time investment
@kavishwarmokal124
@kavishwarmokal124 7 ай бұрын
What do you mean by life risk? is it unfortunate event of untimely death? Then life insurance is there to take care of this aspect.
@sjain7595
@sjain7595 5 ай бұрын
How withdrawal is gonna work for people who are 60+ yrs old when they signed up for NPS?
@sunilrathore7400
@sunilrathore7400 7 ай бұрын
Plz make a vedio how can we change allocation % in NPS TIER 1
@BornBlessed_7
@BornBlessed_7 7 ай бұрын
What changes in et money after new sebi guidelines of this type of application like et money
@anirbansahaful
@anirbansahaful 7 ай бұрын
Is it possible to have different fund managers for auto choice?
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, no, it's available only for the active choice.
@assamtechnn3668
@assamtechnn3668 2 ай бұрын
75•/• can't done in nsdl nps
@srp....778
@srp....778 11 күн бұрын
If I die before 60 total contribution will be given to nominee or not
@aniveshkumarsingh5109
@aniveshkumarsingh5109 7 ай бұрын
I don't understand how people can invest 1.5 lakh under 80c in nps. PF contribution by employee is virtually compulsory. Can Anyone enlighten us.
@user-om7nd3st9d
@user-om7nd3st9d 7 ай бұрын
Excellent video with clear explanation 👏
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your kind words. Please help spread the message by sharing this video with your friends and family.
@vinodkumar-uk5gx
@vinodkumar-uk5gx Ай бұрын
Hi Sir,How to update DOB in NPS account
@jaspreetxxxsingh
@jaspreetxxxsingh 7 ай бұрын
All calculation is based on 12 % annual return.... I am getting only 8 %
@satishbansal2184
@satishbansal2184 7 ай бұрын
How to change exposure to all equity
@udayshankar765
@udayshankar765 7 ай бұрын
Thanks for very useful information Sir 👍
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, we are happy to know that you found this video useful. Please share it with your friends and family as well and help spread the word.
@pradipchaughule3464
@pradipchaughule3464 6 ай бұрын
Can I withdraw money for buying New home I am upgrading from old buy selling old one.
@saurabhluthra629
@saurabhluthra629 7 ай бұрын
Thankyou for sharing. Very helpful
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, we are happy to know that you found this video useful. Please share it with your friends and family as well and help spread the word.
@NadeemAfzal-ri8ju
@NadeemAfzal-ri8ju 3 ай бұрын
Is investing through ET Money safe? There are so many apps, I'm getting confused.
@ETMONEY
@ETMONEY 2 ай бұрын
It's absolutely safe.
@umeshgharat
@umeshgharat 7 ай бұрын
For manual asset allocation in Equity portion is the current should be less than 75% or monthly allocation from investment should be less than 75%? Because if the allocation in general is less than 75%, then that changes, rather increases gradually and we need to do asset allocation periodically. Please clarify this.
@Maknahar
@Maknahar 7 ай бұрын
Very informative
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, nothing pleases us more than knowing that our content proved useful to our viewers. Do take out time to share it with your near and dear ones as well.
@deepanshugarg1473
@deepanshugarg1473 3 ай бұрын
Thanks
@pranitkhelurkar
@pranitkhelurkar 6 күн бұрын
I have opened nps account in kfintech. Is it ok
@user-ix6kn7jf1u
@user-ix6kn7jf1u 7 ай бұрын
How a state government employee can change in NPS fund manager and change in fund allocation between Equity, Bonds, Securities & AIF? Please provide any link or vedio for thar procedure.
@omkarnaik1671
@omkarnaik1671 7 ай бұрын
App hoga na usme jake change karo
@cmugunthan
@cmugunthan 2 ай бұрын
I have a query on tax. For ex: I invest 1 lakh in nps tier 2 and i get 1,10,000 within a year. In that I invest the 10000 in nps tier 1 and reinvest the 1 lakh in tier 2. If I do this can I avoid tax on the capital gains. Can u please clarify.
@YV-2000
@YV-2000 7 ай бұрын
Great video, keep it up
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, thanks for your kind words. Please help spread the message by sharing this video with your friends and family.
@BabaYaga1136
@BabaYaga1136 7 ай бұрын
How can government employees stop tapering from equity after 35 years. They are allowed to invest only 50% max in equity through LC50 moderate Auto Choice.
@ETMONEY
@ETMONEY 7 ай бұрын
Hello, in case of the government NPS, it's not possible to opt out of the tapering.
@jayakaranilkumar5932
@jayakaranilkumar5932 2 ай бұрын
Useful information
@deepakshukla6848
@deepakshukla6848 3 ай бұрын
Gr8 presentation
@ghanshyam1494
@ghanshyam1494 7 ай бұрын
Nps se withdrawal lengthy and time consuming process h ?
@AK247bollywoodsongs
@AK247bollywoodsongs 7 ай бұрын
For your kind information Govt employees are still not allowed to invest more than 50% in equity
@SureshBabu-od7qx
@SureshBabu-od7qx 7 ай бұрын
Thank for updated
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, please share this video with your friends and family as well.
@kamalkumar07
@kamalkumar07 Ай бұрын
From last 7 day, tried to contact ET team, but failed, no one can contact ETmoney
@yviruss1
@yviruss1 7 ай бұрын
Great video.
@ETMONEY
@ETMONEY 7 ай бұрын
Hi, glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.
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