Best Pension Plans in India - Which One Is Right For You? | April 2023 Update

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In this video, we take an in-depth look at various pension plans available in the market and compare them on different parameters. We'll also reveal an astonishing fact that the returns of some pension plans are 25% more than other annuity plans. So, if you're looking for a secure investment that offers higher returns in the long run, you won't want to miss this video. Whether you're just starting to plan for retirement or looking to optimize your existing retirement portfolio, our comprehensive guide will help you make an informed decision and choose the right pension plan that suits your needs.
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Immediate Annuity Plans
-----------------------
PMVVY
LIC Jeevan Akshay VII
LIC Saral Pension
HDFC Life New Immediate Annuity Plan
HDFC Life Pension Guaranteed Plan
ICICI Pru Guaranteed Pension Plan
HDFC Life Pension Guaranteed Plan
PNB MetLife Immediate Annuity Plan
Tata AIA Fortune Guarantee Pension
Tata AIA Smart Annuity Plan
Deferred Annuity Plans
----------------------
LIC Jeevan Shanti
HDFC Life Pension Guaranteed Plan
ICICI Pru Guaranteed Pension Plan
HDFC Life Pension Guaranteed Plan
Tata AIA Fortune Guarantee Pension
Tata AIA Smart Annuity Plan
Useful Videos and Playlists:
➡️ How to Increase FD Interest Rates in 2023 with Premature Withdrawal? - • How to Increase FD Int...
➡️ Investment Planning - • Investment Planning
➡️ NPS & Retirement - • NPS and Retirement
➡️ Peer to Peer Lending - • P2P Lending
➡️ Insurance Planning - • Insurance Planning
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Disclaimer:
All videos/comments and all other forms of communication are for educational purposes only and should NOT be considered INVESTMENT ADVICE. Any individual shall NOT be held liable for any loss suffered in any form by a student/RU-vid viewer/member of the public. Any information provided through our videos/classes/comments/social media posts or any other form must NOT be considered Investment advice.
Some contents are used for educational purpose under fair use. Copyright Disclaimer under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.
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#pension #retirement #everypaisamatters #retirementplanning

Опубликовано:

11 сен 2024

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Комментарии : 271

@avgb2115 Год назад

Bhai...itni detailed video itne important topic par maine nahi dekhi youtube pe...aise hi detailed video banate rahiye...you deserve 1million+ subscribers.🙌🙌🙌

@thesarkarbadal Год назад

Amit bhaiya.... Your content rocks every time. Your channel suits salaried employees like me and especially the cautious ones. But aj ek Q&A session rakh lete to achha hota. This is my personal opinion. But much love to you. Wish you ten thousand likes!

@shravankuchankar9210 Год назад

Masttt jankari di hai sarji...lic jeewan Shanti accha hai aap k vdo se....

@Priti272 Год назад

मैंने सैकड़ों पेंशन प्लान वीडियो देखा 👌👌 लेकिन इतनी अच्छी बेहतरीन तरीके से की गई तुलनात्मक समीक्षा किसी की नहीं थी 👌👌🕺🕺💥💥So Much Suparb Awesom 👌👌🕺🕺💥💥🥰🥰🙏

@ramkumarmandebar3495 2 месяца назад

❤

@bheemchand6245 10 месяцев назад

गजब तरीके से बताया आपने। ऐसा वीडियो नहीं देखा था। सारी बात ही समझ आ गई सर । बहुत बहुत धन्यवाद सर

@seema4147 Год назад

Commendable. I am totally blank as far as financial matters are concerned but I too watch your videos and try to learn which I think everyone should know. 🙏

@ViralDave_26 Год назад

superb video - I really appreciate your effort on pension plans - you are doing excellent explanation

@piyushpathakvlog Год назад

NPS maturity par milti Annuity compare ka video banayaye please

@SayantanLal Год назад

#everypaisamatters The reason for the year 2034 is after completion of retirement year, the pension will start from next year onwards. So it is 2023+10+1= 2034. Please confirm if I'm right. Thanks for this useful & informative video. I regularly watch your videos which is helpful.

@SingingEmotion Год назад

excellent video brother. Lekin ye annual pension inflation rate ko dekhte huye bahut kam hai. Please tell us some monthly pension plans, which offer at least 20k pension per month. Because 100000 per year or 8k per month will be nothing, say after 15-20 years.

@mintubabu1340 Год назад

Right .

@a.muralidhar6873 Год назад

Well explained sir... about the Pension plans... Can this be a possible alternative to those who are sceptical about the higher Pension option of EPFO. Please review afresh the direct Pros and Cons of some lucrative Pension plans available now. There's also a mention of return of premium to nominee... What does that mean exactly.

@sathiyamoorthyt9590 6 месяцев назад

Sir, I have seen your this video now only , but it is very good, educative and really help is taking decision on going for any pension plan. It is fantastic that you have compared almost all insurance companies product. Appreciate your efforts and explaining in simple way. Thanks once again. My request can you please update these details as on this year 2024 and include any other like max lift Glip etc... which will help me to take decision in this year and going for one which is beneficial in real sense. I await your updated video on this. Thanks

@yogesh0919 Год назад

Lic new jeevan shanti plan Online purchase par 2% higher value incentive + 2% online purchase insentive k bare me detail me samjaye.....ya video banaye....

@prosenjitbanerjee9634 Год назад

For the deffered annuity investing in April 2023 and getting the 1st return on April 2034 as in the example you have opted for the annual return and also the return comes after completion of 10 years. So April 2023 +10 completed years (2033) + 1 year for opting interest annually = April 2034. Hope this answers but not sure if i am eligible for the giveaway. Any analysis on the TATAAIA fortune gurantee plus.

@sift50 Год назад

As it is a 10 years deferred plan hence the plan gets deferred by 10 years to 1.4.2033. Then for annual interest we have to wait another one year and will start getting the pension from 1.4.2034

@kamalkant4070 Год назад

Personally I think, It's better to invest in 40 Years GOI bonds. Currently, They give 7.42% return. If we purchase Rs 1.5 lacs bonds every month for next one year. We will get approx. Rs.11,100 every month for next 40 years. After that it will redeem. Currently my age is 45, so I will get above amount till age of 85. And more, these bond are tradable. Their value increases when interest rate are lowering.

@EveryPaisaMatters Год назад

Will you get 7.42% every time?

@kamalkant4070 Год назад

Yes, last from last one year coupen rates move 7.26 % to 7.42%. now it's stable from March. Once you purchase these bond, you will get 7.4% interest for 40 year. Govt long term Sovereign bonds always give higher return that traditional immediate annuity plans.

@BharatSanatan-q5k 7 месяцев назад

Thanks for giving a great tip about investing in GOI Bonds! Some State govt bonds too are good on the RBI Retail Direct website. This can be a better alternative to an annuity plan.

@amodpatwardhan2492 Год назад

SIR...VERY GOOD VIDEO...LOTS OF MATHS / WORKING BUT STILL VERY MUCH SIMPLIFIED...KEEP IT UP ....

@subhasisbandyopadhyay1789 Год назад

Fantastic,, deep analysis ,many sellers will never tell truth as you did, gratitude

@EveryPaisaMatters Год назад

Much appreciated

@shraddhapawar7100 Год назад

Sir u have done a good job, u r information & research really good. U will definitely achieve ur 1000 likes

@sumanchatterjee1881 Год назад

Excellent information, can you do a comparison with SCSS return?

@gdp2102 Год назад

What is conclusion?? What's recommendation?? Instead I will prefer ELSS in Quant Tax plan MF?

@alokranjanpanda4080 Год назад

Sir I recently purchased a pension plan in MAX life which gives around 7.13% for deferred 1year and 7.82 deferred 2years

@EveryPaisaMatters Год назад

Can you share the details at contact_epm@icloud.com

@Ranjeetkumar176 5 месяцев назад

Sir,you forgot mention surrender value factor in hdfc guarantee invome..in case of emergency only 10% is payable in case of hdfc...that means only 1.5 lakh is payable

@SuperSandyutube 6 месяцев назад

If I want to get pension at the age 65 years under NPS, please let me know if it is possible. Please also indicate what is the procedure to followed to start pension at 65 years of age. Regards

@bhagyajitgohain9102 День назад

Thank You for the wonderful explanation

@nisheetroopkishor Год назад

Very nice, informative and useful video. You should be given 10 thousand likes for this hard work.

@EveryPaisaMatters Год назад

Thanks a lot 😊

@sourabhagrawal6383 Год назад

@@EveryPaisaMatters sir marriot bonway me ek raat ki room karte hai usme points direct accounts me transfer hote hai or sir marriot bonway ka credit card Lena jauri hota hai kya?

@manojvlogs4848 Год назад

Amit ji @NPS maturity me annuity ka upar ek comparison video jarur banaye

@ag564 Год назад

Today FD rate is around 7.1%. For Sr Citizen it's even higher. Isn't it better to open a FD with monthly interest payback option? You don't have to pay GST for FD i believe. Also it'll be tax free as long as your total earning is lesser that 7lakh.

@EveryPaisaMatters Год назад

That is correct and you have covered some good points. However FDs are typically only for 10 years. And expected life time after retirement can be 25-30 years as well.

@sandeepmm3166 11 месяцев назад

Really informative ..thanks for the efforts taken Highly appreciative.

@ashvinshah7814 9 месяцев назад

If I select 10 years deferred annuity plan, my premium payment will be hold by 10 years. Then after 1 year, annuity will be released because my pension plan is on yearly basis. Hence, in all, Annuity will start after 11 years.

@vipingarg1585 Год назад

Annuity plan mai Annuity after one year hi start hoti hai ,,,in differed Annuity plan

@EveryPaisaMatters Год назад

✅Get 15 minutes Free Consultation on Max Life - Guranteed Income for Life Pension Plan - Whatsapp EPM to 99109 29066 Link for Excel - everypaisamatters.com/pension-plan-tracker/

@satishbansal5800 Год назад

sir here you increase the policy term to 1 year ( extend) so that the return must be more . so here you increase the age to 2034 . Or they will start to pay pension fund at the last date of year .

@sundarsriram970 Год назад

Because Deferred annuity commences only after a period of time after the final purchase paid like 1Apr 2023, after completing 10 years term, annuity will be paid I.e 01 Apr 2024

@chetankokal3489 Год назад

As we are starting from 01-04-2023, so the first year will come to 01-04-2024, second will come to 01-04-2025 and so on and 10th year will come to 01-04-2033 and after that we will start getting our pension, so that's why we will start getting from 01-04-2034 and not from 01-04-2033

@kirankumarsoni1678 Год назад

10years complete hone ke baad from 11 years onward pension start

@barethyt7770 11 месяцев назад

Thank you🙏 sir apke is video se mere ko penson ka sara queries clear Ho Gaya🫡

@seema4147 Год назад

2034 se isliyae chalu hoga kyonki 2023 mei investment shuru hue hai.uss saal ko count nehi kerenge.

@sureshkumar-gy1ye Год назад

Thanks for giving in depth, clear explanation.

@abhinavkumar8396 Год назад

Absolutely amazing explanation Amit ji Very very Thanks 😊🙏🙏🙏

@sanjaykumarpatel7814 9 месяцев назад

Sir Mai goverment workar hu mera nps kata jata hai ye bataye ki ham kis company me invest kare HDFC ya iccici ya lic ya sbi

@pankajchhipa5656 Год назад

Sir, It is advisable to take insurance plans....as you showed returns are not able to beat Inflation....Kyonki baad ke 100000 INR bahut kam honge....what is your suggestions to Invest somewhere else so that maximum returns will get.... Insurance plan me Tax bhi lagega.... Innocent investor ko loss hota hai dukh hota hai.... Average earning families ko Tax hi dena hai....Aapki sincere advice bahut logo ko help kar sakte hai.... Thank You....

@user-fp7dv1je4z Год назад

Video time 16:37 - instead of current pension value old pension values are compared

@aniketgupta6150 Год назад

109050 for hdfc life new immediate annuity plan is without ROP and with ROP it is 101523 yearly.

@goutamroy9387 8 месяцев назад

I like to compare pension plans to Kotak Life with other industries.

@_narain_ Год назад

जय हो 🙏 बहुत सुन्दर और useful वीडियो 👌👍👐

@rajatbhardwaj4728 6 месяцев назад

Thank you Sir for the detailed presentation.

@vishalrai2601 Год назад

Beautiful explanation lekin thoda aur lamba aur briefly Hona chahia tha

@pranavgamingandblogs1758 Год назад

Thank you for making such a nice knowledgeable video. Can you also tell about SBI pention plan. 😊

@yedathoreashok1695 8 месяцев назад

The term is 10 years but the annual annuity will commence 1 year hence. Therefore the date of Commencement is 2023 and first payment will be from 2024

@imukulpandit 10 месяцев назад

Shaandar presentation

@ssr2338 Год назад

Great Effort. Thank you

@aashishdahiya94 Год назад

15 lakh ko fixed deposit bhi krwa denge toh bhi itne hi paise mil jayenge aram s or Baki isse bhi Jyada mil skte h fayda kya H

@sanketpatil9472 5 месяцев назад

If wo banda na rha duniya me to 15lac pay kiya he to 1cr n 50 lac nominee ko milenge jo ki FD nahi deta.. manlo 1st year me 1st year ka premium deke wo insaan es duniya se nikal jata he.. to uske family ko 1.5 cr milenge .. jo ki FD nahi deta.. FD max to max 10 years ke liye krva sakte he.. uske baad FD Ke interest change bi ho sakte he .. FD k returns km hote aa rhe he google pe check kr sakte ho.. insurance life time fixed income dega .. fir returns change huye tabi aapke insurance pe farak nahi padega… i hope aapko samja rhega.. (Sanket patil. - certified personal finance specialist by American academy of financial management India)

@satishbansal5800 Год назад

sir here you increase the policy term to 1 year ( extend) so that the return must be more . so here you increase the age to 2034 .Or they will start to pay pension fund at the last date of year .

@waikhomaditsingh487 8 месяцев назад

HDFC life ki kon si Pension plan Acha rahega New immediate annuity plan OR HDFC Life Pension Guaranteed plan. Which one is the Perfect Future Pension plan ?

@sanjivsaha5469 9 месяцев назад

Bhai sab, may hdfc guaranteed pension plan 2017 & 2018 two kiht 75k diya hay, Uske bad se policy paydup hai, Mera 2026 may maturity hai ! Please muje kon sa policy decision lena sahi rahyga bataiy, Policy amount kase yus kare jo mara faida ho please🙏 Q? ka answer jarur dijiye ga thanks you sir.

@EveryPaisaMatters 9 месяцев назад

Isko 2026 mein hi evaluate kariye because plans and rates keep on changing.

@ajitwangikar5959 Год назад

Sir ple let us know pension calculation without return of capital, this is necessary if we are opting for higher pension

@sumit31520 Год назад

❤ for you guru ji Hdfc safe h ? Ya compani bandh hote hi pension bandh ho jayegi ?

@absi008e Год назад

Annually pay hai annuity ka ie yearly paise milta hai monthly nahi

@premanish Год назад

If someone has say suppose 10 Years to Defer the Annuity, XIRR looks almost same in Immediate and Deferred both cases of Same Plan, then what is the use of choosing Deferred Annuity plan instead should we choose Immediate Annuity and put the money in the MF SIP for 10 Years? Can someone clarify which one will be better?

@suvashchandraswain391 Год назад

It is a good reasearch, thanks 🙏.

@socialist_mitesh_makwana94 10 месяцев назад

Defard me 10 sal pure hone par milna start honga yani ki 2023 me lete hai to 2032 me 10 sal pure honge. Or 11 me sal se start ho jayega

@hemanthraj4871 8 месяцев назад

Dear Sir , I have NPS right now, sbi BANK , now getting very less pension, 6.5lak , is their , only 2700 per month geeting, kindly advise me wich one is best, I am BSF retirement taken last 2 years back,

@sandipverma6913 Год назад

बहुत ही शानदार

@rajdatta6711 Год назад

Please load a video comparing 5 years deferred annuity plan of LIC, TATA AIA & SBI Life

@trnswamy Год назад

Very informative. Thank you sir

@rakmaxrecords7868 Год назад

Like kar diya sir😊

@onlineincometube552 7 месяцев назад

PLEASE MAKE A VIDEO ON SBI RETIRE SMART PLUS SCHEME ..

@laksheswarbora8781 Год назад

Excellent sir

@pareshroy3432 9 месяцев назад

PLEASE CHECK TATA AIA SARAL PENSION IS GIVING MUCH HIGHER THAN TOP

@mahtabalam721 9 месяцев назад

What about SBI LIFE - Retire smart plus, Will you explain about this plan

@satbalak Год назад

First annuity in 10 year deferment plan is on 1-4-2024 and not 1-4-2023 because annuity is due at the end of the period and not in the beginning of the period. If you see the immediate annuity, you pay 15.27L on 1/4/23 and the first annuity is paid on 1/4/24 ... So I get the award?? :-)

@raghvendrasingh4286 Год назад

Sir , Very informative. Why not invest in PMVVY for 10 yrs and thereafter again for 10 yrs. 6.3% yield is like Saving Account.

@EveryPaisaMatters Год назад

Because PMVVY was limited time scheme. It is no longer available.

@mamataparida2685 Год назад

Kotak mahindra insurance pension plan ke bare me batayiye please

@EveryPaisaMatters Год назад

New video coming today.

@bhaveshsing3101 9 месяцев назад

Sir agar esa plane me koi bank band ho gae to pension k jawabdari kiski please batae 🙏🏻🙏🏻🙏🏻

@ARUNKUMAR-ni6hv Год назад

As 2013 to 2014 will be year zero, not year 1. So 2034 will be start of pension

@pareshterse3305 Год назад

Sir can you please tell me epfo new pension scheme is better Or plan shows in this video

@amruthraop2990 9 месяцев назад

Very good information

@DeepakKumar-pq9eg Год назад

Because here annually mode is choosen so income start from 2034.

@nirajtrivedi1168 7 месяцев назад

Great efforts. 🎉

@prinkush Год назад

Hello Mr.Amit, What are tour thoughts on SBI pension plan?

@sumitbansal868 Год назад

Sir g, kiye koe aasa plane bhi h kiye jisma pension every year increase ho 5% ke rate se, Es pr bhi video bnao Sir g

@EveryPaisaMatters Год назад

Yes hai aise bhi plan.

@sumitbansal868 Год назад

@@EveryPaisaMatters kindly tell me name of plane and make a video in detail Life Annuity at 5% escalation

@narayanansreenivasan2558 Год назад

ULIPs seems similar to these annuity pension plans too, with maybe more investment in equities too.. could you compare it with maybe SBI retire smart??

@subhabratabarman1732 Год назад

If No nominee is available, what provisions are there for return on maturity?

@CUBICMETERS 11 месяцев назад

Super explanation

@bhavneshparikh8283 8 месяцев назад

add Jevan Umanh & Jevan Utsav and comapre

@RJ_Swasti 10 месяцев назад

Sir meri age 47 years hai..60 ki age se pension chahiye..har mahine premium dena chahte hai.. eksaath paise nahi de sakte ...kaun sa plan le???

@EveryPaisaMatters 10 месяцев назад

Whatsapp at 9910929066

@amitdutta3854 Год назад

Sir, my employer by mistake rejected my higher pension joint option form. By they try to rectify it but still now they succeess. My question is it is possible to solve it . Please reply.

@taraktandel1234 10 месяцев назад

When I take Pension Plan if spouse age is below 40 I am unable to keep her as Joint Survivor...If I take fist with out Joint survivor and add her name @age 40 is it possible? I am planning to by differed annuity.

@communicate.anshul Год назад

What’s the point of investing in Pension and PF funds when Modi is investing all this money in Adani stocks 🤔🤔🤔 The way LIC and average shareholders lost everything, what will we get when we get old 🤦‍♂️🤦‍♂️🤦‍♂️

@navanathkadav6235 Год назад

Pls put an Excel link as well

@arnabpolemical Год назад

Sir, ekdin Health insurence ke bare me isi tarah ka video bana dijiye.

@sureshbadiga Год назад

Sir please do video on Bajaj Allianz life assured wealth goal guaranteed return differ plan please

@sanjeet9753 Год назад

Answer of your question is- In Deferred plan , we have consider annuity on yearly basis, so after completion of 1 year ,pension will start , if we consider pension for monthly basis ,pension will start after 1 month of completion of 10 years.

@soumyadiptadolai2089 Год назад

Please explain 10 years sip plan.which company is best return pension

@mohammadreyazreyaz7545 9 месяцев назад

SBI life retire smart plan version 02 5 years deposit karne par iske baare me please details se bataye

@tapankrrana1507 Год назад

Sirji, because I am taking the pension amount yearly. If I wish to take the pension monthly than it will start from 2033.

@DexterousGirl Год назад

They are talking about nps?

@narayananlekshminarayanasa3217 Год назад

Yearly pension. So we get after completion of 11 years in 10 year deferred case sir.

@sudhakartodankar1808 Год назад

Very nice!

@12412590 Год назад

Hi I am snc ray Querry 1. If the tenure of plan expires and I don't die can I receive the invested amount if I have invested on a differed plan with a time bound for pension pay