Excellent presentation for NPS till date 🎉🎉 Kudos to the ET team!!

@ETMONEY

4 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.

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

4 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

4 ай бұрын

I stopped PPF 3-4 years ago after they stopped increasing interest based on inflation, not coz of lock-in

@shubhamjain54519

4 ай бұрын

@@gustavofring111 where do you invest now

@anuragdixit7

4 ай бұрын

Lockin is 7 yrs

@tmg1219

4 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

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

4 ай бұрын

पता नही कब होगा

@omprakashbaruah9425

4 ай бұрын

LoL. Unless you invest in crores, dips in nav don't matter.

@hustleuntilendoftimee

4 ай бұрын

@@omprakashbaruah9425 I know, it wont make a big difference but if it can be done in MF why not in NPS.

Excellent video with clear explanation 👏

@ETMONEY

4 ай бұрын

Hello, thanks for your kind words. Please help spread the message by sharing this video with your friends and family.

Very nicely explained 👍 enjoyed watching and got updated.

@ETMONEY

3 ай бұрын

Hi, glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.

I activated my virtual id after watching this video's, thank you ET Money team

@ETMONEY

4 ай бұрын

Hi, glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.

Good insights about NPS. best Tax saving option

@ETMONEY

4 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.

Its too simple to understand thanks for the explaination

Excellent ! Tax free SLW withdrawals are just like hassle free monthly pension

@jishnu18

4 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

4 ай бұрын

@@jishnu18 It should grow as I think it will stay invested, similar to SWP in mutual funds

@abhishekpurwar9932

4 ай бұрын

@@jishnu18 i think it will work like SWP of mutual funds with additional tax free nature

@jishnu18

4 ай бұрын

@@abhishekpurwar9932 it will only be on minimal returns

@thor3932

3 ай бұрын

Who will buy then Anil Ambani junk Reliance Annuity

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!

Good work by ET money team and excellent presentation 👌

@ETMONEY

4 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.

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.

Good video, could you please cover more details on the alternative investment in NPS, how to opt for it and the benefits of it

The intro music reminds me of Turning Point on Doordarshan. Great video, btw.

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

Thankyou for sharing. Very helpful

@ETMONEY

4 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.

Thanks for very useful information Sir 👍

@ETMONEY

4 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.

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

4 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

4 ай бұрын

P in NPS stands for pension

@VmlucyBDaGV2aQ

4 ай бұрын

@@AdmiringIntrovert NPS is a pension scheme only for name sake.

@jishnu18

4 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

4 ай бұрын

@@jishnu18 reasonable expense ratio is better than mandatory annuity. Currently NPS schemes are anyway managed like passive funds

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.

Very well explained sir ❤ If you could please explain only Corporate NPS in details with calculations that will be great 😊 Thanks

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

4 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.

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

Please could you do a video on partial withdrawal in NPS with complete procedure...

@ETMONEY

4 ай бұрын

Hello, thanks for your suggestion. Will share it with the content team.

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

4 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

4 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

4 ай бұрын

​@@balajiradhakrishnan3400employee contribution exemption 1.5L(80C)+ 50k(80CCD1B). Employer contribution is fully exempt.

@techbuddy101

4 ай бұрын

​@balajiradhakrishnan3400 even I am stuck with same confusion ? If you get better understanding pls do share. Thanks.

@ashutoshbajad5084

4 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

Govt employees are still not given Active choice. Even the Passive (aggressive) is not available. Only passive (moderate) & passive (conservative) are available

Great video, keep it up

What is best for govt employees???? Make a video on these issues.

@ETMONEY

4 ай бұрын

Hello, thanks for your suggestion. Will share it with the content team.

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..

Thank for updated

@ETMONEY

4 ай бұрын

Hi, please share this video with your friends and family as well.

Please make comparision video of NPS ,PPF & KVP.

@ETMONEY

4 ай бұрын

Hello, thanks for your suggestion. Will share it with the content team.

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)

Great video.

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

4 ай бұрын

For spouse monthly pension For kids lump sump return

Very informative

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

4 ай бұрын

I have done that in NPS site, selected different Fund manager for different categories.

@stillwatersnightsky6533

3 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

3 ай бұрын

@@stillwatersnightsky6533 it is same in all platforms, there are no differences, you can select any fund manager from any platforms.

After introduction of SLW, what the need of Annuity? Hope 100% withdraws can be possible via SLW soon.

@boundless_learning

3 ай бұрын

Annuity is to pass your wealth to your next generation, so that you would remain in their happy memories..

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.😅

Please do a separate video of nps for government employees as we are not having a choice to change our equity allocation

@chandankumarr

4 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

4 ай бұрын

Hello, thanks for your suggestion. Will share it with the content team.

@gokulrock1526

4 ай бұрын

@@chandankumarr Central government employee equity 75% possible????

@chandankumarr

4 ай бұрын

@@gokulrock1526sorry. I have no idea about that

@srikanthdeevi2435

4 ай бұрын

Please tell me how to change allocation of equity for government employees

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

4 ай бұрын

Govt employees can also choose fund manager and scheme.

@livingfossil02

4 ай бұрын

@@madhurralhan5941 not in J&K

@ETMONEY

4 ай бұрын

Hello, thanks for your suggestion. Will share it with the content team.

Good info thanks

@ETMONEY

4 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.

How I can transfer my existing NPS from cams to proton ?

NPS Should cover some life risk coverage also, since it is long time investment

@kavishwarmokal124

4 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.

Does the SLW comes with the deferred annuity option (till the SLW is over)? Or should the annuity payouts start immediately while withdrawing?

@kavishwarmokal124

4 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

4 ай бұрын

@@kavishwarmokal124 ok, so it means even purchasing should happen immediately at the beginning of SLW not at the end of SLW.

Informative 👏

@ETMONEY

4 ай бұрын

Hi, glad to know that you found this video helpful. Please don’t forget to share it with your friends and family.

Hi, I have an existing NPS account. Can that I can manage from ETMoney App?

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

Plz make a vedio how can we change allocation % in NPS TIER 1

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

4 ай бұрын

I think nothing is clear on that and hence you must.presume it is taxed as long term.debt

@vignesh_m_1995

4 ай бұрын

@@anuragbansal4750 you mean like old dept fund (with indexation)

@ETMONEY

4 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.

Is it possible to have different fund managers for auto choice?

@ETMONEY

4 ай бұрын

Hello, no, it's available only for the active choice.

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?

How can employees changes the fund allocation, as it is locked in the system.

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

4 ай бұрын

Yes, govt employees can contribute either in lc50 or lc 25 only

@ETMONEY

4 ай бұрын

Hello, thanks for your suggestion. Will share it with the content team.

Good information

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

What changes in et money after new sebi guidelines of this type of application like et money

Sir it's my humble request plzzz make video on how can a government employees maximize it's nps returns?

The SLWP for the 60% of the corpus is tax free right?? (Bec the same 60% if taken as lumpsum is tax free)

@ETMONEY

4 ай бұрын

Hello, yes, it is.

@verma.007

4 ай бұрын

@@ETMONEY cool 😎

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

4 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.

@pro.andrebrown9468

4 ай бұрын

I am surprised that this name is being mentioned here, I stumbled upon some of her clients' testimonies on CNBC news last week...

@bsquarebuilding

4 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

4 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.

@aurelielefebvre1365

4 ай бұрын

Theresa is an expert trader, she uses both manual and algorithmic trading techniques To trade..she is extraordinary

What are the entire charges of NPS.kindly brief about the charges.

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

4 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

4 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

4 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

4 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

4 ай бұрын

I'm new at this, please how can I reach her?

Can I withdraw the full amount that is less than 3 Lakhs before retirement from NPS tier-1?

The active voice for nps was strated way before 2022 as told in the video

Also explain in case of government employees I can contribute 10% 12% or 14% of basic salary plus DA

@amanhooda3876

4 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.

What if one has APY and NPS both. how there both things work. please assist.

SLW period also comes with tax EEE?

@ETMONEY

4 ай бұрын

Hello, yes, there is no tax on withdrawing through SLW.

My mother started NPS at the age of 61 and she did it through SBI bank and the people working there made the deposits in schemes related to SBI funds i believe but the returns are very low ..idk much about NPS can someone tell me how to change the fund deposit options

Is the EEE nature of NPS applicable to investments in the Tier-II account as well?

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

4 ай бұрын

App hoga na usme jake change karo

I am State Government employee with NPS, my account is showing Tier-I, Scheme preference is showing as Default Scheme Set-up, with equal allocation in SBI Pension Fund Scheme, UTI Retirement Solutions Pension Funds Scheme, LIC Pension Fund Scheme, the contribution is compulsorily deducted from my monthly salary and credited to NPS. As per NPS rules can i select the choice of Scheme or different funds other than mentioned above. Please reply and what is the procedure as i am not that familiar with NPS.

What abt govt Employee Can he change to equity majority scheme within nps Please reply

# ET money.. we are state govt employee and contributing through CPS. In this context does we have any chance the government allocated funds to as we desired for better returns.. if yes pl reply the process

75 % Equity allocation for non government employee contribution. government employee can invest only 50 % through LC50 (auto choice)

@gokulrock1526

4 ай бұрын

Central government employee can change equity 75% , ????

@ilovekittens7005

4 ай бұрын

@@gokulrock1526 no

How to change exposure to all equity

Government employees should be given all the facilities available for corporate..like different fund manager to different assets

My father is 62 and still invests in NPS...till what age can we invest in NPS?

I have both tier1, tier2 account recently I have changed the scheme of the both tier1,tier2 after that nps tier2 not showing any of the details can you please help me why it happened?

Please upload same video in Hindi language on 5 MINUTE FINANCE , so that every person who can understand Hindi must know this changes .

@ETMONEY

4 ай бұрын

Hello, it's there on ET Money's Hindi KZread channel: kzread.info/dash/bejne/qZ9mttyAm8LAh7w.html

Pls confirm the taxation on maturity of nps Tier 2 capital gains. Is it taxfree as in Tier 1

Can a govt employee choose active choice???? Answer me please!!

@Blackstar25109

4 ай бұрын

Govt employees er maximum equity allocation 50% er beshi kora jay na

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.

Nps se withdrawal lengthy and time consuming process h ?

In NPS Tier 2 we have to buy 40% annuity like NPS Tier 1 Account?

@ETMONEY

4 ай бұрын

Hello, no there is no such requirement. You can withdraw the corpus anytime.

SIR, I AM WORKING IN NAVY SINCE 1999 I AM ELIGIBLE FOR FOR OLD PENSION SCHEME, BUT NOW I WANT TO INVEST IN NPS TIER1 FOR GETTING TAX BENIFICIAL, MY QUESTION IS CAN I GET NPS PENSION AFTER COMPLETION OF MY AGE 60 YRS ALONG WITH MY EXISTING OLD PENSION. PLS CLARIFY MY DOUBT .

My mother (widow at 45yrs) got some lumpsum money from my father's service in 2020. Due to lack of proper information, she invested Rs 15 lakh in one go in NPS with 25% E, 55% G and 20% C. However the XIRR has been very low approx 7% in the past 3 years.. What should be done now to increase returns?

Thanks

The allocation should be completly be kept on the subsriber side...

Gold investment should also be included in NPS

How withdrawal is gonna work for people who are 60+ yrs old when they signed up for NPS?

When we will get Annuity Amount

Sir if the applicant died,with in 60 years what are the benefits for nominee.please enlighten.

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.

with SLW do you have to pay taxes as per tax slab?

@jishnu18

4 ай бұрын

slw is just you withdrawing the 60% lumpsum but in a systematic way. Personally people who got little understanding to grow wealth should not choose that

@Treksforsoul

4 ай бұрын

@@jishnu18 Thank you, but my question is - annuity returns are taxed as per income tax slab, is slw and swp also taxed as per income tax slab?

@umamifit5679

4 ай бұрын

​@@TreksforsoulNo

Is age 38 late to invest in NPS.? is it a good choice.?

Can central government subscribers change scheme preference or Pension Fund Managers? Not available in my nps account.

Sir, Can central government employees not increase equity to 75 per

@ETMONEY

4 ай бұрын

Hello, no, it's not possible.

Can we start SWP at the age of 50 ??

i am working in Kendriya vidyalaya Sangathan, under ministry of Education and my NPS is auto but i want active option so that i can select 75% equity option for better returns but NPS team told i can't change from auto to active as KVS does not allow then how can I change my NPS from auto to active??? please help

@ETMONEY

4 ай бұрын

Hello, since it's government NPS, you can't make the change. The active choice is available in the all-citizens model of the NPS.

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

4 ай бұрын

Hello, in case of the government NPS, it's not possible to opt out of the tapering.

Is there any difference in sip and nps

@ETMONEY

4 ай бұрын

Hello, SIPs are just an investment method, where you invest a certain amount periodically. On the other hand, the NPS is an investment avenue.

Can I invest in NPS from my personal account for my father NPS? Kindly help