NPS Scheme Honest Review || Is NPS (National Pension Scheme) Worth It? 

We can also close NPS account after 5 years and then get the amount invested + interest back in 20% lumpsum and 80% as annuity.

60 ki age kisne dekha hai

Madam ji English me baat karne ke liye aap ek or channel bana lijiye par kripya karke is channel par hindi me hi samjhaya kiziye aadha english me samjhate ho wo samjh se bahar ho jata h

BONUS TIP: If you maintain the total amount of your investment to be less than 5 lac by systematically withdrawing 25% thrice during the entire NPS tenure then guess what the amount can be withdrawn lumpsum. And no tax implications. Btw nice analysis..👍

Iska thumbnail me photo aesa hota hai ki Kya hi bole 😂😂😂 Sabse pehle views iske expressions se hi aate hain

Nps scheme nhi Bht bada Scam hai 😑😑

Hi Manu, thanks for the video. I have chosen NPS and am depositing 50K annually to take 80CCD benefits on it. Honestly, I feel NPS is not that great investment, but still their is one value which I see on it which is: Here I am forced to take 40% of my money as pension after 60 years, there is a good benefit I see in it, In the case in my old age if I am out of my mind and do not have enough physical strength, but still I have the power of pension, and most probably someone will take care of me due to this (so this act as an hedge for worst case scenario for my old age), Please let me know your views on it. Please also suggest some alternative ways to do the same.

This analysis look only profit loss . Take a look on Psychology of person. Person spending power . Person can invest in NPS for tax saving but will it be very discipline to invest same amount in mutual fund ?

Can one take loan against NPS deposit? Because that money is being looted from people. The partial withdrawal of 25% is a hoax and requires extraordinary conditions. While people retiring with salary around 1 lakh or so, are hardly getting even 15k in pension instead of 50k as standard. It is being done while there's lots of money for unnecessary things.. marketing.. and media management. It's been around 9 years of money gone in NPS... I'm unable to close the account. And money is stuck.. total fraud

better to stay away from such confused govt schemes.

first gather proper information , then make the video, giving partial info is more dangerous. Cover tier 1 and 2 properly, also cover corporate nps too, which additionally helps salary people to save taxes

NPS is very bad plan not invest ,your money locked by government after age of 60 you depending on interest of insurance company and bank, Mutual fund retirement fund are very good option for future according to your wish after 5 year locking ,you redeem you money either systematic withdraw or lumpsum withdraw there is no problem there are many retirement fund in mutual fund like SBI retirement plan, Hdfc retirement plan , Nippon retirement plan only five year locking is necessary

what incase of death of investor before the age of 60?

Der aaye durust aaye, finally i found youtube channel which i was looking so badly. Sort and sweet, no extra chup chup and cut to the point. Great work 👍🏻👍🏻

Annuity plans offer long term fixed returns which no other instruments does. ❤

I am planning to start now because I am not aware this martand all, nos I chose because it's a government schemes

I find the video quite misleading as the additional tak benefit on NPS is not taken into the account. An upfrint tak saving of 15K pet yer, translate into 1250/pm and if thatbamount is invested in equity mutual fund for upto 60 years of age, a huge corpus can be easily generated there. And combination of both will be great retirement scheme.

Don't trap with youtubers, NPS is better than mutual fund Corpus can be generated in locking of money not like withdrawal This option would be your old age friend. It helps in maintaining financial discipline

Hi When I was trying to create NPS acount the site got timed out now I am not able to to continue to from where I left off using the acknowledgement number. If I tryto continue using acknowledgement number it's showing record not found Can anyone pls let me know if u faced same issue and how u resolved?

With NPS you are saving Taxes so Anyone salary above 20LPA must go with NPS.

Hi Manu...one query pse.. 60 % withdraw after the age of 60 is that % of deposit amount or total corspose ka 60% Thanks

Half knowledge is like no knowledge...😂

I joined at the age of 65 and contributed myself 1.5lac, 2.0 lac, 1.76 lac, etc per year and claiming 50000 rebate so far in ITR 1, but 2024-25, i have to file ITR 2 New regime only. Can youtell me is there a provision to avail NPS concession of 50k in this or not?

Hi Manu, Thanks for the video... Can you please let us know if we start Employer- NPS, how many years we have to pay? Is it till 60 years we need to pay or any certain limits in years are there? Thanks in advance.

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?

Hi ma'am please make a video on forex market please please make a detail video upload fast

My company offer me to merge your NPS account with our organization. So should I opt this? I have selected HDFC while initiate my nps account. Also when I declare my tax sheet for fy 2023-24 then I also select contribution of 50k in NPS. Kindly suggest

Hi - thanks for the insightful video on the NPS, and laying out every details very clearly. I have a question thou - the tax which I am going to save, i.e. from the two sections of NPS ( 80CCD1 [(-) 50k taxable income] + 800CCD2 [ (-) ~80k taxable income] = 1.3L ) = which comes to be around 40k/year Investing this 40K into Stocks or MFs or Index Funds having a CAGR of 18%. I will be able to overcome the CONS - which you mentioned about the Annuity Plans from the insurance company. Also does this also makes sense from the diversification of my portfolio (Since all my investment instruments are into Equity)? Would be really great if you help me understand your views on this scenario?

Dekh bhai 15k to phale he benefit me h kyoki ager markit me dala to 15% to tax he Dena padega ... To ye soch kar dalo ke 35k he dala h.. if you are under 20-30% tax slab best for tax saving and retirement plan

Why NPS gave just 8% return in 10yrs but SIP gave 35% in 3yrs..why so? This way NPS is useless

Madam please told in Hindi and slowly

👍

No idea why did u even make such improper video….. very less informative 😢

1st of all nps full form is national pension system

Mam, there is a SLW option now available in NPS, can you please explore it and explain us in a better way?

Madam, NPS scheme nhi, Scam hai. Govt apne employee ka kaan pakadke karwati hai, warna koi nhi karta. Isiliye pvt person apne paise ko isme nhi lagata. MF, FD, Stock, Gold, Real Estate sab karta kai ; useless NPS nhi karta.😅

I'm now 51 years .Can I start NPS?

Hindi main he bola kro mdm adha samjh aata hain aadha nahi … Request @

ना कजरे की धार ना मोतियों के हर ना कोई किया श्रंगार "" फिर भी कितनी सुंदर हो "" पवित्रता के साथ

Nowadays average life expectancy is about 60 itself, than how can we trust this nps.........

If market crashed at the age of 60 and after getting 60th birthday will our investment gets into negative?

its bettter to invest in index fund.. it do have lower expensae ratio as well..

30% tax + approx 10% return on NPS is 40%, seems NPS beats all other investments a common man can do.... Also, you are just investing 50k + 10% of basic is employer provides that option, for example, say 1 lac per year, which is not that much, we won't be needing that money anyway till retirement, and also no worries after retirements, so i would say NPS is the best Investment anyone can do for high returns and for a secure future

superb.....crisp and clear. no bakwaas and time consuming type...far from the crowd..... keep it up. more such videos of less than 5 min......

Who is here after UPS ?😂

Jumle Wade mad shikau

What would be the annuity amount after pensioner death in the age of 70 .Is that annuity amount will return to nominee or ceased

What about tax saving of 50000 rupees. Is it really a benefit?

Bahut faltu hai nps

अगर nps अकाउंट open कारना हैं तो कहा open करे? Et money safe हैं क्या?

NPS leya h but agr 60age sa phle died hogyi to family ko Paisa milta h wife ko pension ke jisa

What happens to that 40% annuity corpus after death of NPS subscriber?? Is it given back to nominee or Insurance company doesn't return it back??

Swp plan kaise karte hai or konsi bank me ya fir konsi app se hota hai??

Where's ashish ? 😂

Hey u r the one na who makes nun in insta and doubt ur bf??? 😳😳😳😳

That's why I prefer Hdfc life or Birla bsli vision plan of 12 yrs

Mujhe ye puchna tha ki agar meri age 60 hai aur main abhi retired ho Raha hu aur main new pension scheme main hu aur mujhe retirement ke bad 16 lakh mil rahe aur uska 40 percent 6.40 lakh ban Raha hai tho main konsi scheme main invest karu jaise mujhe pension acha mile aur mere Marne ke baad mere family ko accha paise mile please ek accha suggestion ya ek is topic ke upar ek episode bana dijiye 😊

Ma'am. Could you please guide me if i die before 60 then what is the rule for that. 🙏🙏🙏🙏

I am 22 and I want to start NPS, Which fund manager is best among ten please make a detailed video on that.

Madam g kya army person apni marzi se nps mein invest kar sakta hai kya

Tu toi vhi hai jo ashish k sath hoti hai😂

This video is really helpful. Besides that i would like to ask you , Aap wahi " taali bajakar naan banane wali " ho na Ashish sharma k vines me or vo aapko dekhte hi rone lagta? hai

I will Invest in NPS for two reasons: 1. Two save tax on 50k/annum. 2. To Monitor NPS aggressive auto mode and treat it has a benchmark to compare with my other pure Mutual Funds Investments. Also One Key Point(Product Design) which these Finfluencers can bring about to put pressure on Government is: These upper limits of 50k and 1.5Lakh should ALSO BE ADJUSTED TO INFLATION RATES, IMAGINE JUST HAVING 1.5 LAKH AS UPPER LIMITES AFTER 10 PLUS YEARS. Cheers, Achal Kagwad

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?

30% टैक्स बचता नहीं है ब्लकि जब टोटल का 60%पैसा निकलोगे तो 30% टैक्स दोगे

Very poor suggestion .NPS is social security plan . It is not compared to another scheme except some got. Scheme.

I think NPS is not a good idea I wanna go with other scheme plz suggest which I should go for Age 32 yrs

NPS is the most third class asset decreasing scheme.

bhai kuch mutual funds aur kuch fixed products me save karlo...aur hai kya NPS me isme block ho jayega paisa ...koi new scheme aati rehti hai jisme liquidity ho

Mam mere kuchh dost ek chines bando ko apna phone no. aur acount no. de rakhe hai Badle mein wo mahine 18000 deta hai Sim aur acount wahi log use kar rhe hai Kya future mein koi dikkat aa sakti h

Is it National Pension Scheme or National Pension System?

What about the corpus of 40% annuity plan ? Will I ever get it back or no?

There is one more point,India is a growing economy. For sure there will be more investment options available in future and may be better than what we have today. Locking yourself or going for annuity plan that too with insurance company/scheme will not be a better approach in future.

Why always you give negatives about things

Ladkiyon ka financial planning gadbad wali hai...

Very nice explanation 😅 not worth it.

NPS is EEE i.e exempt exempt exempt category but if we withdraw 20% for child marriage will that amount is taxable?

Please make a video with examples of SLW system and the transaction charges one has to bear alongwith tax benefits.

Not worth investing .flop investment.

👎🏻 button for false thumbnail.

Sir I initiated premature nps request but money is not transfer to my account till now. I want to continue nps now. Can I continue it? And what is process for it?

Incomplete information u have dear

How much amount invest in nps?

Paramilitary forces ko bhi old pension scheme milna chahiye tha 😢

Ma'am aap ya to English ya hindi ek hi language me boliye

worst explanation

Mam jo viklang pension le rha hai kya wo NPS ya Atal pension Yojana me invest kr sakta hai, ,, pension band to nhi na hoga

Can you be a bit slow please

Awesome explanation.. Thank you so much..

Nps eek time bomb ha.😢 Jo 2 dhamako me phta he. Pehle chota dhamaka , phi bada dhamaka. 1.chota dhamaka - Example lekar jada samaj ayega. Maan lijiyeki eek employee ki 30-35 saal me 50 lakh rs jama ho jata ha. 1. chote dhamake ki - retirement ka baad , 60 % jo paisa milega , usme hato hath 30% tax. Yani 50 lkh ka 60% = 30 lakh , usme 30 % tax yani - 9lakh. Is bolte ha magic…. Yani jaadu. Jo insaan 30-35 ki service me , har saal tax bharkar apni hi salary se paisa kata kar aur apni state ke unta hi contribution bhar kar central government to deta hai , uska pure 30-35 saal ki kamaika 18 % ( 9 lak yani , 50 lakh ka 18 % ), uske retirement ke sath ki gayab. Yeh ha chota magic. 2. bada dhamaka - yani bada magic. Uske retirement se uske marne tak , jo 40 % ha , employee ke marte hi - gayab. Aur to aur agar uski dependent partner ( spouse ) agar jinda ha to usko sirf -Lollipop .Yani kuch bhi nahi.\ Yeh ha bada magic. ( Lakin , wohi mlas , judges aur defence me Ops - yani family pension. ) Simple words :, 50 lakh ka = 18 % + 40 % = 58 % , yeh sirf magic number ha aurkuch bhi nahi. Hath ayega to sirf 42 % , baki 58 % sirf jaadu ha, jo sirf dihta ha nps portal mein , lakin asal me ha nahi. Aur Pension sirf rate of interest ha 40 % ka. Yani 50 lakh me se 22 lakh - real Number , aur 28 lakh - magic , jo ki apke retirement se marne tak, gayab.😂😂😂😅😅

Her English is really good 👍👍

Hello Ma'am I have taken an LIC policy ( Jeevan Laabh) in march 2022 and now I feel that the premium is too high. And it will not pay me a good amount at the maturity of this plan. Please suggest me an option to get rid of this policy. I'll be very very thankful to you.

Any Idea what happens in the event of death before or after maturity?

Mam maine apki 'SIP sahi nahi hai' video dekhi thi jisaka last point tha ki short period of time ke liye nahi ki jani chaiye. Mam agar mujhe 4-5 saal me kuch decent return chaiye to kaha aur kitna invest karna chaiye.

Mujhe mam ek badi dikkat hai tradding ko lekar

Market m ic se axha jo plan h us pr video bnae maem

Is nps good for a senior citizen low return do not matter so badly. 😢

And GATE full information NPS

Agar beech me nikalliye/tapakgaye to ?

Mam baat karna hai aapse plz help me