🔴NPS vs PPF🟢 | Which is a BETTER retirement plan? LLA NPS Ep#2 Financial Advice

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📚Payroll, Excel & Labour Law Courses for career growth: lpt.institute/courses/
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Open NPS a/c: labourlawadvisor.in/nps/
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Term & Health insurance): link.lla.in/Term-insurance
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PPF and NPS, both are lucrative saving schemes. To know a parameter-wise comparison between PPF and NPS with respect to tax benefits, maturity, corpus, and a final conclusion, watch this video.
Learn the important differences between NPS and PPF:
National Pension System (NPS) detail video: www.youtube.com/watch?v=2cKsy...
Public Provident Fund (PPF) detail video: www.youtube.com/watch?v=H_8eh...
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Chapters:
00:57 NPS Vs PPF Comparison
02:18 Eligibility
02:38 Minimum investment
02:43 Maximum investment
03:04 Returns
04:31 Lock-in period
05:06 Fund management
05:43 Tax benefit
06:53 Extension
08:00 Premature withdrawal
09:01 Maturity withdrawal
09:31 Expense ratio
10:12 Security
10:54 Risk
11:30 Account opening
12:02 Employer contribution
12:40 Our opinion on both
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Jagruk Talks S2: link.lla.in/LLA-PL-Jagruk-Tal...
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#NPS #PPF #LLA

Опубликовано:

26 май 2020

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Комментарии : 2,3 тыс.

@LabourLawAdvisor 3 года назад

💸DEMAT Account: link.lla.in/Demat Open NPS a/c: labourlawadvisor.in/nps/ 📚Payroll, Excel & Labour Law Courses for career growth: lpt.institute/courses/ Term & Health insurance link.lla.in/Term-insurance

@bikramjitnath81 3 года назад

Pppppppppppppppppppppppp

@bikramjitnath81 3 года назад

0pppppppppppppppppppppppppppp

@bikramjitnath81 3 года назад

00000

@bikramjitnath81 3 года назад

⁰0⁰0000⁰

@bikramjitnath81 3 года назад

@bsrameshonline 3 года назад

Very nicely explained about PPF vs NPS. I was looking for info on NPS, now got understanding of it. Thanks for this excellent session.

@rajugsg 3 года назад

Learnt a lot about term insurance and then came to ppf vs nps. You truly deserve 10 million subscribers and am one among them. Thanks alot. God bless you

@pratapkumardas2580 2 года назад

Nicely explained PPF vs. NPS. Understood very well. Thank you, sir.

@bhushanbhushan7422 2 года назад

Boss I saw your dedication how you convince to people with your example it reflects your dedication n passion about your work..

@shashanktrivedi88 3 года назад

Sir, kind request to calculate tax deduction part for the NPS annuity and compare theTowards the end of calculation. Please add that in video or make new one for better understanding of Returns.

@SauravsFishkeeping 3 года назад

Guy's your LoGo is amazingly catchy & beautiful & just Kuddos to the designer and planner of the LoGo. It creates some serious faith to the channel, on the very first sight.

@suhasssubramanya619 2 года назад

Exactly

@avantikachugh8015 9 месяцев назад

Excellent content in easy language! Thank you so much!

@sahilgosar8613 Год назад

Watching this in 2023 and realizing How Beautifully the difference is shown and helping beginners understand it easily! Kudos to LLA Team for sharing such knowledge!!!!

@lavkeshmiglani8707 3 года назад

Congratulations, you have earned 1 new subscriber 🤘

@SantoshNCR86 3 года назад

मनदीप पाजी तुसी ग्रेट हो, आपका जो बात करने का और समझाने का स्टाइल है वो बहुत ही सुन्दर और धांसू है, Keep it up 💪 पाजी

@LabourLawAdvisor 3 года назад

Thanks paaji

@sravankumar3703 Год назад

Thank you. You covered minute level points that noone else civered. Big like

@dombivli007 3 года назад

Thanks for the video. Very informative. Just a suggestion as calculation of NPS should have be extensive considering the tax on return and fund managing expense etc.

@madhumitamukherjee7455 3 года назад

My compliments! Your video is informative. One problem- in an upbeat economy, interest rate in PPF will decline over a period of time.

@abhishekdasdsp 3 года назад

Content + Humour is so good in this video 👍

@LabourLawAdvisor 3 года назад

Hehe thanks man

@vaibhavverma3920 3 года назад

Great comparison. Amazing efforts!

@roysocanalyst9172 2 года назад

Like the way of your clear cut answer NPS... no BS !

@suruchisahu1622 4 года назад

Apart from your quality and educative vedio , you have a good sense of humour too.

@whenitravel9122 3 года назад

Sahi baat

@MrRaj-yz6ty 3 года назад

Vedio nahi vidio hota hai sahuji

@AanikKaur 3 года назад

Ok both incorrect. Correct spelling is VIDEO. 🙂 Important is information shared in this video is highly appreciated.

@chieuchieu9997 3 года назад

Along with information on such complex and overwhelming topics u have a wonderful persona of being hilarious n making it sound so simple....even an amateur can understand it....

@yogeshpadte1481 Год назад

loved the simplistic way to explanation with comparison...

@abirmajumder5116 2 года назад

Hi Mandeep ji, Really good one for me. Thanks. Subscribed you

@srd-srd 4 года назад

I was struggling with this topic since quite sometime.. Thanks to you . It's so clear now. As usual awesome video.

@at6848 3 года назад

Ppf is better... Nps has many catches... Don't fall for it

@sanjayror Год назад

@@at6848 Please clarify one point, In private sector we already have (EPF + EPS) contribution, If we still invest in NPS then how all these will mange after 60 year in pension because we already contributing in EPS for pension.

@laxmikantpalse7840 4 года назад

It's masterly comapred ....

@surajonearth Год назад

बहुत बहुत धन्यवाद सर जी...आपके इस बेशकीमती, बहुउपयोगी, ज्ञानवर्धक विडियो के लिये...🙋🙏🙏🙏

@barkhasharma7978 2 года назад

Superb ! What an informative video. You are so much knowledgeable.

@arindamsharma8641 3 года назад

At 25 I was an ignorant fool 😂 🤣 especially concerning financial markets/investments/savings and all. You are great bro. Subscribed to your channel long back 🙂

@ashishraina5637 Год назад

Are wo sab thik h but ye btao NPS me paisa daala ki nhi

@vilasujgaonkar 4 года назад

आपका ppf and nps का फर्क विश्लेषण बहुत अच्छा लगा। मैं खुद Nps employer हुं। और आपने मेरा nps के बारे में जो negative द्रुष्टिकोन था वो बदल दिया। आपको बहुत धन्यवाद।

@janardanashwanisingh8172 3 года назад

Nps salary se katne ke baat kitne time me nps account me dikhta hai Aur govt kitna dete hai apne taraf se

@nattysrants 2 года назад

Good that you have kept closed captions ine English..

@davidhaye495 Месяц назад

Good info. Nps and ppf videos dekhi hai bahut but tumhari video mein kuch point bahut important the. Thanks

@rajukhanchandani3449 3 года назад

well informative content, thnks..

@shahkavish 3 года назад

Brilliantly made and very clear for People, keep the good work

@Karan-vq5vg 2 года назад

Amazing video. Cleared all my doubts. TYSM

@vandankumbhat5391 2 года назад

Bro Maza aa gaya, not just gyaan but kaafi entertaining content !!

@fininformationmarathi726 3 года назад

Beautifully explained. Can you give calculator link of PPF and NPS

@sahadebpaul5314 4 года назад

Bhai PLI par ek video chahiye... Perfect knowledge ke liye

@nazrulalam8802 3 года назад

Awesome video. Your presentation is very good.

@iarchana2008 3 года назад

Great work bro, very nicely explained and concluded! I rarely comment. But ur this video, made me do it.. 👍🏻

@skumar925 3 года назад

Hlo how r u

@debanjanbhattacharjee5385 2 года назад

Awesome content. Full scale comparison between NPS and PPF. This should be the bible of every tax payer within India. Thanks for the beautiful analysis.

@TheMotorman1981 3 года назад

I have both PPF and NPS...combined for 80c and 80cc1b benefits

@vikasjaybhaye 3 года назад

I was bit confused on this topic but now clear thanks

@rakeshkohli5327 2 года назад

Very well explained !! I like all your videos.

@sanjayror Год назад

Awesome bro, Please clarify one more point, In private sector we already have (EPF + EPS) contribution, If we still invest in NPS then how all these will mange after 60 year in pension because we already contributing in EPS for pension

@TushantGuptaRanchi 3 года назад

Hi, what about the inflation? You should also include this factor while showing the returns. That 1 cr will have the value of today's 10 lakhs only.

@karthikeyan14590 3 года назад

Very informative and clear .. good work 👍👍

@satlingmukade 2 года назад

Thank you, Happy to know that my decision to go with NPS was good

@ashishrock84 3 года назад

Excellent Video!! Not only informative but your punchlines are awesome ! :D But I have one question.. agreed that historically the returns have been 8 to 10% for NPS schemes since inception, but I noticed that they were started either in 2009 or in 2013, both at the time when economy was low.. do you think there could be possibility of it averaging down to 5% to 6% over the years provided the investment is started now when market is still absurdly high (Jun 2021) ?

@akatsukipm3114 9 месяцев назад

No, because considering age 25, you will contribute till age 60, i.e from current calendar year 2023 to 2058. Since India is a major growing economy, by 2058 our GDP will be around $30+ trillion dollars. Our market will only grow from here. Hence, I feel we should expect returns of even 10 to 12%. But one major point of concern is the inflation rate. Who knows how much the inflation will be by 2058 !!

@geetamohan1513 3 года назад

Initial comparative explanation was clear, but final calculations on returns were assumed, Every investment has it's pros and cons PPF is very good Option for various reasons Nps, I can see 1 entry level extra tax saving 2 as locking period is longer, so can get moderate returns ( no guarantee of 10% 🤔)

@amlansain3610 2 года назад

Sahi parke hai. Agar upka 60age may govt finnalcial growth kam hota hay matlab market low hota hay to upka paysa sayad se gaya

@anardana9731 2 года назад

@@amlansain3610 Debt ka component bhi hai usme. So it's not gonna crash

@nikitaghosh7769 Год назад

10℅ interest rate on NPS all you are claiming is unrealistic not excepted from LLA

@rohithkumar3480 11 месяцев назад

10 year return on C and G component in NPS is 8 percent. 10 year return on E (equity) is 12-13 percent. So average returns will be 8-12 percent based on the percentage in Equity (Max-75 percent equity)

@naveensharma9536 10 месяцев назад

@LabourLawAdvisor, the link for NPS detail video in description is showing that The Video is not available. Kindly update the link for viewers. Thanks for great work and sharing insights of financial world!

@jatinnandwani6678 3 года назад

Thank you so much for the valuable information..

@Rajeshkumar-vj9nl 2 года назад

Hello ... Good day!! Your explanation of subject is too good... i beleive everybody can understand easily with the facts you presented ... but one thing is missing in whole episode... if the NPS account holder may death before to attain the 60 age then what would be options are available for nominee.. request to you please explain the same as well....

@ParshvaJain 3 года назад

Epic one when you said mein 25 ka hun please vishwas kijiye! 🤣🤣 4:46

@sanketbavkar6014 2 года назад

Awesome in depth video as always

@GOVINDSINGH-xx1qd 2 года назад

आपका समझाने का तरीका बहुत ही शानदार है

@nifty_ath6105 3 года назад

Dear Mandeep, Pl make a video on ideal division of investment amount if one wants to invest in all of them like how 1.5 lakh should be divided between NPS, ELSS, PPF, LIC, medical health insurance etc.

@sattwikplayz1503 10 месяцев назад

Well it should depend on your tax deduction from 80C and you retirement corpus needs....... For example if your 80C bracket is full then you opt for NPS for 80CCD and so on so forth

@anindya24 4 года назад

Both are good. Open PPF to save tax under 80C. Open NPS to get Tax benefit under 80 CCD where you can contribute upto 50K + 10% contribution of basic salary by employer.

@ujjainimukherjee2267 2 года назад

Akdom theek.... Amio tai korechi

@chandanshetti2298 Год назад

Since there are many options to fill up 1.5lakj quota in 80C , I think it's better to go for nps...

@shikharpande85 Год назад

You should not base your retirement planning on tax saving aspect.

@doctron14 Год назад

Is it possible to open both ppf and nps and is that wise ?

@coolsniperin7382 Год назад

@@doctron14 Yes

@rc55229 2 года назад

Subscription should be earned. You carried it easily. Subscribed.!!

@trilokkanyal8995 2 года назад

Very well explained, good job, thanks

@keerthisam 4 года назад

My nps portfolio returns is 11.75 even after market fall as I had switched from auto to active and selected 100 in government bonds.prefer lic in tier 1.

@milandey9238 3 года назад

Online ya offline kahape benefit jyada hai??

@suniljoshi3317 3 года назад

tier 1 me kaise change kar sakte he

@techc2975 3 года назад

60% mein se 20% taxable on nps

@AnilDhundwal 4 года назад

Hi, pls do comparison between Atal pension yojna vs NPS..

@someshprajapati 2 года назад

I was struggling with this topic since quite sometime..but It's very clear now. Thanks you so much. Keep creating awesome video.

@sanjayror Год назад

Please clarify one point, In private sector we already have (EPF + EPS) contribution, If we still invest in NPS then how all these will mange after 60 year in pension because we already contributing in EPS for pension.

@roshannair5829 3 года назад

Superb Explanation...Thank You

@anuragsundriyal2863 3 года назад

Can you also tell after including inflation for next 35 years what will be value of PPF/NPS maturity amount in todays value.

@namamipande1436 3 года назад

omg...you look so mature and wise as compared to a 25 yr old....kudos

@parthapaul1249 3 года назад

30 saal hoga ye

@meenakshiagrawal2079 2 года назад

I really like your humour. Thanks for the information 👍🏻

@samsami2701 2 года назад

Love you sir itne achhei sei smjhanei kei liye 😘❤️

@greencosmos4427 3 года назад

In comparison nps return is variable(even a year return can go in -ve), while ppf is fixed.min@7.1%

@ankitjain994 3 года назад

You can choose age based management or gsec

@greencosmos4427 3 года назад

@@ratneshtripathi8461 Le liya tau

@maratharb6552 3 года назад

In NPS return can go up to 20% also not only zero % evrytime.

@SD-op1pi 2 года назад

Bhai it's average yr return for a period of years since it started till date...

@akankshasingh7640 2 года назад

True 👍

@sandipghosal09 4 года назад

Thanks for this very thorough and knowledgeable video. Can you please make one video with comparison between PPF and VPF (Voluntary Provident Fund )? I think the interest rate is higher in VPF; but not sure it will be a good option.

@sahebkumar5197 3 года назад

I'm too interested to know

@pappu34567 3 года назад

VPF is additional amount that you invest over and above EPF. However the employer contribution doesn't change. Benefit: VPF investment done by emploee earns same interest rate as EPF ( which is quite high as compared to fixed deposit or ppf).

@prasenjitdas256 2 года назад

Very Useful Video.Thank You 🙏

@AmanGaming2132 Год назад

You gave me valuable information in less time and I gave you a like which you have asked for

@sureshvithalpatil1388 4 года назад

sirji Best comparison with NPS, PPF. I am 57 age Govt servant can open both PPF & NPS directly from Bank without govt.

@anshuldhoot4109 3 года назад

There is a convience fee plus gst charge for each installment of nps. Approximately 25 rs per sip. So if you are doing a 5k sip for 12 months in nps, you need to consider the extra cost 25*12 = 300 rs per annum. Lets say you are doing this for 30 yrs then around 9-10k rs are gone as charges. You can calculate it according to number of sips. This charge is never discussed nor disclosed by anyone. You get to know when you start nps.

@pratikdas1648 2 года назад

You say that you have linked the previous video in the description below, but there is never the link for the video.. Please check that.. Your videos are very informative and We gain a lot of knowledge.. Thank you..

@AvasumRama 2 года назад

You have always explained very well thanks dear

@ankitsaxena874 4 года назад

@labourlawadviser my experience in nps is not so good in case of equity exposure. So 10% is not achieved in nps. It is around 8 to 8.5%. Even when i have switched the fund manager still equity part is not handled well. So it is better to choose govt n corporate bond 75%

@rohithkumar3480 11 месяцев назад

10 year average returns in Equity in NPS is 12-13 percent.Lower returns might be possible in initial few years but once you cross 7-10 years, that's when one reaps benefits of an equity instrument like stocks or mutual funds or NPS

@premprakash1333 2 года назад

Thanks for this amazing video. But if you could talk about the 'worst case scenario' returns in case of NPS for all its flavours, then I think that would help many viewers. Thanks again for such a nice video

@omvirarya5164 3 года назад

बहुत बहुत धन्यवाद और आभार आपका 🙏🙏

@deepikaverma6830 2 года назад

Very nice information, keep it up!👍

@prathameshkinareparth 3 года назад

I watched it repeatedly 12:52 fir bhi man nhi bhara😂🤣 Thanks for comparison video. Can you make video on Digital Gold vs Gold Bonds and also there is no regulatory body in digital gold investment also there some limitations of years of investment , delivery/making charges ... So which should any beginners choose as we have only few amount of money to invest in gold .. Please 🙏

@chachaofnesa8885 3 года назад

Really liked your approach of clarifying the hard topics of economy so easily... Thanks a lot... One request, kindly put some light on interest rate vs inflation rate kind of issues... Would be of real help 🙏🙏

@subratmishra6468 2 года назад

It's a nice way to explain....Great

@kalpeshhire8224 Год назад

I am one of the biggest fan of Your channel and team You were doing a fabulous job by educating people regarding money. keep doing that. I just watch your term insurance related videos before commenting on this. Love and lot of respect to your team for doing this selfless job.❤️❤️🙏🙏

@lifewithbhavya679 Год назад

Kai ka knowledge, sab ko apni zaroda ka link bhejta he, aur bolta he , wo mat kr ye Mt kr bus zaroda k link bheja he , sirf mere link se zaroda account khol aur muje commissions mile, bhai uska bhi to pet he , uska bhi to kharcha challah chaiye

@3devansh 3 года назад

the interest on ppf is calculated quarterly while at the end of of video where you show calculation of maturity amount for ppf you have taken annually.

@SVSwamy 3 года назад

No. Interest on PPF is calculated based on the monthly balance at the end of the year. The interest rate is announced by the government quarterly.

@3devansh 3 года назад

@@SVSwamy I dont think so , it is calculated monthly which revised quarterly by govt. It is deposited into your account annually at end of FY year but it is not calculated annually i.e only once a year.

@SVSwamy 3 года назад

@@3devansh - Yes, sorry for the slight mistake. It is calculated each month but is credited at the end of the financial year. The interest rate is announced every quarter. For the last few quarters, it is unchanged at 7.1 percent.

@vishnumahale116 2 года назад

Excellent Video.. Just for Private sector employees falling in 30℅ tax Bracket We can take advantage of 50k tax benefit and invest only that amount in NPS rest all better invest in index fund which normally gives 11℅ return in longterm. Atleast during retirement You have full amount with you to do whatever u want. In case of NPS if u retire at 60 only then u get 60℅ and 40℅ goes in annuity plan. If u retire before it then 80℅ goes in annuity which is really a big catch and amount is locked. Let me know your thoughts on it

@mohammednazim2104 2 года назад

How much to put in NPS then

@rachangoudapatilnidoni5058 2 года назад

Very good job , keep sharing such ideas

@beemavala7535 Год назад

Sir, agree your index funds will give 11 % returns, then you will make a corpus of xyz crore. But what you will do to generate monthly / annual income from that corpus.. Plz suggest

@vishnumahale116 Год назад

@@beemavala7535 If you have built huge corpus there are multiple ways to invest it and get regular income. Some good dividend Yielding stocks, some commercial Property, Good debt or Senior secured bonds can give you stable income. With huge corpus you will get multiple avenues to invest.

@beemavala7535 Год назад

@@vishnumahale116 what is your view about annuity plans which offer approx 6.4 % after 2 year of deposit. And this pension is guaranteed for life time and after pension corpus is returned to Nominee

@amitt319 2 года назад

Awesome video. Please consider tax implications (both while investing and withdrawal) offer and above this comparison.

@VishalKotecha91 2 года назад

Awesome job man! What about Postal Life Insurance? Could you please make a video on that?

@apurvpohane 3 года назад

I just clicked like button at 8th second, coz he just said he has regrets, without thinking about what, why, how etc....... Jokes apart truly needed gyan, i hope you keep posting such amazing videos. Thanks in advance

@jayeshrules005 3 года назад

Good video bhai, to summarise NPS is better option for people who lack discipline,50000 extra tax benefit is also a plus point. When u said 60% of NPS maturity amount is equal to 100% PPF amount it is enough to decide NPS is better. What percentage fund allocation do you recommend in Equity,govt bonds, corporate bonds to get minimum of 10% returns?

@sabyasachimidya3890 2 месяца назад

Many many thanks to you for nice explanation.

@badrivishal9276 Год назад

Bhai ji Dil se thanks 🙏 keep it up 🤠

@djvsst309 3 года назад

We should also take inflation into account while calculating the NPS or PPF maturity amount....The value that 1 crore has today might not be same after 30-35 years. I think the NPS and PPF calculators should also take inflation into their calculation....But yes, I agree NPS is much better than PPF...

@cookiecrumbs3110 Год назад

That is why we should invest because todays 1 crore will be nothing then. We just have to check the maximum returns after the tax deduction. Thats the best we can do.

@Hackers1198 Год назад

Yes bro that's why I invest only in prop. Only because I will get return according to market price not on hypothesis.

@akatsukipm3114 9 месяцев назад

Correct, that's why we must increase our monthly contributions gradually every 2 to 3 years as well, considering our salaries will also increase yearly due to promotions and ever increasing inflation rates.

@anujchawla7061 3 года назад

Invest in both!

@sujittamang1802 2 года назад

Thanks... Helped a lot

@ramyasri6093 3 года назад

Thanks for info Can you please make a video comparing various NPS fund managers performance

@drgjain 2 года назад

PPF interest is compounded. So, the effective interest rate becomes about 10% annually.

@gauravagrawal9265 2 года назад

Compounding in both cases

@drgjain 2 года назад

@@gauravagrawal9265 Principles of Compounding does not apply on stock market. Agents befool people by saying that Compounding applies on stock market.

@gauravagrawal9265 2 года назад

@@drgjain lol, go to a school mathematics class and come back.

@palfouji4404 2 месяца назад

मेरे अभी ppf Acouunt me 3 लाख जमा कर दिए हैं 2 साल से जायदा टाइम हो गया 5अप्रैल से पहले ही डेढ़ लाख इकट्ठा जमा कर देता हूं

@prayonmathewjacob 4 года назад

Sir, if in this disaster situation anything happens to us, what will be the criteria for withdrawal of money for nominee. Can they withdraw money instantly or they have to wait for years?

@sujeetsangwan4796 3 года назад

Hnji... Mujhe b btaye iske bare m

@user-md1tc7sf8t 3 года назад

Congratulations , you have add 1 more subscriber.

@varadgorhe3108 3 года назад

Very Good video !!!! Thank you

@kshitijchugh2947 2 года назад

Great Video Bro. Any idea what will happen to money if investor dies before PPF or NPS got matured? One more thing, Do you really think Goverment will improve intrest rates from 7.1% to 8% no matter how economy gets better ? Indian Government is the most money minded Govt which takes money and gives nothing in return.