If you liked the video, consider Subscribing - bit.ly/EPMsub If you want to Connect with Me - bit.ly/EPMContact Other Interesting Videos : ➡BEST Post Office Scheme for YOU in 2022 - czcams.com/video/Inn6m9VVECQ/video.html ➡BEST P2P Lending Platform in 2022 - czcams.com/video/ECAv8JzRIWQ/video.html ➡How to Increase NPS Returns - czcams.com/video/62AbxoKmpgs/video.html ➡Post Office FD vs Bank FD - czcams.com/video/B9wPVwMeFfs/video.html
Common Fd rate of some banks Union bank -7.25% Bank of india-7.25% Rbl bank-7.55% Indusland-7.25% Idfc-7.25% Federal bank-7.25% Au small finance bank-7.9% Pnb-7% (for 600 days of fd )
So basically ye pata chala hai ki peace of mind chahiye toh chupchap fd me invest karna sahi hai jo filhal 7.5%(ICICI) dera hai jo March tak 0.50% aur badh jaega.
My relative got retired with age 60 and got around 40 Lakh as corpus and getting the government pension monthly around 30k.Where we should we invest the money ? We don’t want want to invest full money in Payout option like SSCC, RBI bonds,and want to invest in instrument so that money grow with compounding.
Its good to invest in Balanced Funds though each Mutual fund come with risk albeit different for each type. But by simply investing in a fund, you won't get the income. You will have to plan for systematic withdrawal as well. Will try to cover it in one of the future videos.
Need partnership project cost : ₹30 lakhs money arranged ₹10 lakhs, money need ₹20 lakhs. minimum total profit ₹ 30 lakhs and maximum total profit ₹90 lakhs. low risk.
5 years ke liye 15 lakh lumpsim Quant small cap mutual fund me invest karta hui & 5 years ke liye liye 15 lakh Senior citizen me invest Karu jisko 3 years extend karta hu ( total 8years investment karta hu) to kisme fayda hoga?
I’m beginner so asking a question which might look silly, what is atc expemption? And what kind of tax does post office fd attacts? I am an nri and want to omvest 500k should for a year or two(atleast at first time one/two year) should i imvest it on my name or on my parents name?
It is not ATC, it is deduction under Section 80C of Income Tax Act. Maximum 1.50 lakh worth of deduction is available from the Gross Taxable Income, for investing in the specified investments like NSC and PPF
Great video Amit. All financial assets covered. U missed EPF but maybe it's not for all. So u didn't cover. I have below 7. My favourite is NPS and EPF FD NPS MF PPF SSY NSC EPF
For 80C deduction , PPF is best . Then comes Bank FD which now give Intt. up to 7. 75 percent . GOI Floating rate bonds . All these 100 percent safe . Sov . Gold Bonds , Debt Mutial funds .Equity mutual funds . Risk 50:50 . If done with research , then risk goes down .
Post office is for retired people or pensioners as they have enough time to visit there for every small work,, so not much if use for younger people as nothing can be done online or intercity
Need partnership project cost : ₹30 lakhs money arranged ₹10 lakhs, money need ₹20 lakhs. minimum total profit ₹ 30 lakhs and maximum total profit ₹90 lakhs. low risk.
Sir please review Shriram Transport Finance Company. They are offering inflation beating FD returns. But the FDs are not insured under DICGC. I would love to hear your views on this FD. And can you please tell me whether there are any NBFC who have inflation beating returns and who are insured under DICGC?
Hello. Thank u so much for such nice info. Started nps last year with an aggressive plan. I am 38 now. Should i keep it aggressive or moderate ? Kindly give your valuable suggestion
Before choosing any investment, please agree with your risk appetite and investment horizon. High Risks can give Higher Returns as well as Loss. Typically, anyone young (25- 35) should keep aggressive portfolio and reduce equity exposure as you age further. Personally, I believe to keep higher equity if your retirement is 15-20 years away as this gives advantage of taking benefit of equity investment. Hope this helped and not confused you 😊
Pension money 3 years - best is bank FD. See if you can do for 5 years as aaj kal kuch extra mil raha senior citizens ko agar 5 years ki FD karwate to...
Sir, abhi bank apna FD interest rate increase kar rahe hai. Kya hame purani bank FD that booked in lower interest rate ko break karke new fd interest rate par karni chahiye?? Please reply
Sir, I am 52 yrs....is it advisable to invest lumpsome in NPS....? How fast can I expect to start getting the returns or say, pension after such investment ? Thanks
Nicely explained 👍Sir you have covered almost all the safe Schemes available in the present Scenario. Sir, Sovereign Gold Bond RBI Scheme is also one of the good option depending upon the availability of SGB rates at lower price 🙏
Nice information Sir. Thank you. I have one query. I had invested 75000 in KVP (post office).For this scheme, maturity amount will be the double of invested amount. How much tax will be deducted from the return (interest earned) ? On internet it is given that TDS of 10% is deducted from interest. Please provide your helpful insights. Please resolve my query.
If you are falling under 20% tax bracket, better invest in ultra short term funds, liquid funds or money market funds. It will give you tax efficient returns if held for more than 3 years
@@EveryPaisaMatters Sir risk ki baat nhi ha, state Bank of Mauritius is highly active in India and also FD is secured under Deposit Insurance and Credit Guarantee Corporation (DICGC) government of India.
@@EveryPaisaMatters Please make a detailed video. I am confused with the lock in period of 3 years, every month Sip is locked for 3 years?? Then how do you see the returns? Sorry for my half knowledge but really confused. Thanks
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➡BEST Post Office Scheme for YOU in 2022 - czcams.com/video/Inn6m9VVECQ/video.html
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➡How to Increase NPS Returns - czcams.com/video/62AbxoKmpgs/video.html
➡Post Office FD vs Bank FD - czcams.com/video/B9wPVwMeFfs/video.html
Common Fd rate of some banks
Union bank -7.25%
Bank of india-7.25%
Rbl bank-7.55%
Indusland-7.25%
Idfc-7.25%
Federal bank-7.25%
Au small finance bank-7.9%
Pnb-7% (for 600 days of fd )
Thanks buddy
Govt should provide online access for post saving, nsc, kvp. Many dont like to go to post office
Then make ur investment thru an agent.
Already started
POST OFFICE NET BANKING SERVICE ALREADY STARTED... YOU CAN INVEST WIA NET BANKING OPTION...
@@shubham6136 net banking only for RD. Not for any other investment. That too for opening RD we have to go to PO.
IPPB has option such as PPF online investment, sweep in sweep out to ur DOP account, SSY, RD
Hi Amit, iam happy to see you in CZcams...
Very informative video. Very Helpful. Thanks for this video 🙌🏻
Siddhi Baat No Bakwaas Great Video Sir... Keep Growing...
खुप छान महिती आम्हाला दिली आहे
So basically ye pata chala hai ki peace of mind chahiye toh chupchap fd me invest karna sahi hai jo filhal 7.5%(ICICI) dera hai jo March tak 0.50% aur badh jaega.
Which is the safest platform to invest money where we get better returns with minor risk...plz rply
Already post office investment is available online through indiapost ebanking.
अच्छी जानकारी दिए हैं
Super informative thank you so much
Mutual Fund AMC are calculated their returns on the basis of number of trading day... not yearly ..why???
Great video man!❤️
Amazing quality!
Very smooth way of expression
Near Post office is very hateful so I don't investment on post office. Thank you.
Good video sir...NSC interest rate is 7.7% pa... please check..
My relative got retired with age 60 and got around 40 Lakh as corpus and getting the government pension monthly around 30k.Where we should we invest the money ? We don’t want want to invest full money in Payout option like SSCC, RBI bonds,and want to invest in instrument so that money grow with compounding.
So, you don't want any more pension but just want to invest the money?
When do you need that money by?
Best explanation. Good.
Thanks a lot. Subscribed 🙏
How about investing in Balanced Funds ,in MF.Which fund houses are better to invest to get a regular income.
Its good to invest in Balanced Funds though each Mutual fund come with risk albeit different for each type.
But by simply investing in a fund, you won't get the income. You will have to plan for systematic withdrawal as well. Will try to cover it in one of the future videos.
Debt mutual fund like liquid and Banking and psu are Tax efficent and fd NSC are not tax efficent
Fd ki rates toh ab badh gaye hai toh kya inn baki schemes ki bhi interest rate badhi hai?
Thanks for this video... exactly what I am looking for from past few months.
Need partnership project cost : ₹30 lakhs money arranged ₹10 lakhs, money need ₹20 lakhs. minimum total profit ₹ 30 lakhs and maximum total profit ₹90 lakhs. low risk.
Sir abhi bank interest rate higher so can we look bank fd..what ur suggestion
5 years ke liye 15 lakh lumpsim Quant small cap mutual fund me invest karta hui & 5 years ke liye liye 15 lakh Senior citizen me invest Karu jisko 3 years extend karta hu ( total 8years investment karta hu) to kisme fayda hoga?
No point in speculating returns from a Mutual fund.
Good knowledge shared
I’m beginner so asking a question which might look silly, what is atc expemption? And what kind of tax does post office fd attacts? I am an nri and want to omvest 500k should for a year or two(atleast at first time one/two year) should i imvest it on my name or on my parents name?
It is not ATC, it is deduction under Section 80C of Income Tax Act. Maximum 1.50 lakh worth of deduction is available from the Gross Taxable Income, for investing in the specified investments like NSC and PPF
Sir 12% club kaisa rhta h trust kr skte h isme or mobikwik me bhi 12% intrest milta h ye dono kaisa rhta h invest ke liye ?? Please sir reply 🙏🙏🙏🙏🙏🙏🙏
Check my videos on P2P lending and 2 videos on 12% Club.
Floating Bonds for juniors and ELSS for seniors
Sir, PPF Scheme ke bare me bataye Indian post wali, usme kese kya hota hai❓️
Amit which video editing software you use ?
Adobe Premiere Pro
Very Nice information
Great video Amit. All financial assets covered. U missed EPF but maybe it's not for all. So u didn't cover.
I have below 7. My favourite is NPS and EPF
FD
NPS
MF
PPF
SSY
NSC
EPF
EPF is something that comes specifically for people with Jobs. You cannot invest seperately is why I did not cover.
@@EveryPaisaMatters my NPS xirr now 12.0% how about you?
@@shivajisingh100 About Same.😊
But I don't look at them every day, I review and update data once a month.
@@shivajisingh100which is a fund manager?
@@anilsonkar5554 SBI
Very useful information.Thanks.Pl. show the video in.Lic .one time investment for kids.
Its a bad decision!!!
Will please come out with various schemes applicable to NRI investors in India ?
NRI's should consult a Financial Advisor to ensure they do right set of investment.
For 80C deduction , PPF is best . Then comes Bank FD which now give Intt. up to 7. 75 percent . GOI Floating rate bonds . All these 100 percent safe .
Sov . Gold Bonds , Debt Mutial funds .Equity mutual funds . Risk 50:50 . If done with research , then risk goes down .
Return wise ...NSC is best
sir assume if you must jobs people not getting so from investments only life needs to be lived basis then what specifically .....?
Sir,is post office as convenient as bank? online hai working?I don't want to go to post office every time I want to deposit or withdraw.kindly guide🙏
ऑनलाइन नही है भाई । जाकर ही सब होगा
Post office is for retired people or pensioners as they have enough time to visit there for every small work,, so not much if use for younger people as nothing can be done online or intercity
@@ramangarg9990 I believe a lot is Online now. Can't you open an FD online via Post Office account?
@@EveryPaisaMatters I didn't know, thanks for updating
Post office is bit slow
Very Good video sir. 👍
The post office people will make you cry
Sir lumsum only 1 year me kabhi bhi lumsum amount daal sakte hai us k liye kya best hai and kidhar zyada returns hai please reply
Sir aap ko yearly aap higer rate of interest chaiye toh plz sand me ur no
Thanks sir
Nice video
But if we withdraw postal FD prematurely then only SB account interest is given.
Need partnership project cost : ₹30 lakhs money arranged ₹10 lakhs, money need ₹20 lakhs. minimum total profit ₹ 30 lakhs and maximum total profit ₹90 lakhs. low risk.
Pnb very good fd 6.6 for senior citizen @ 405 days and if u are pnb employees then 7.75 for 5 years and 6.75 for senior citizens no tax
pnb 7.75 ho gya 666 days aab
Sir please review Shriram Transport Finance Company. They are offering inflation beating FD returns. But the FDs are not insured under DICGC. I would love to hear your views on this FD.
And can you please tell me whether there are any NBFC who have inflation beating returns and who are insured under DICGC?
Video released on the same.
sirji bonds ke baare mein ek alag video banaiye.........
Hello. Thank u so much for such nice info. Started nps last year with an aggressive plan. I am 38 now. Should i keep it aggressive or moderate ? Kindly give your valuable suggestion
Before choosing any investment, please agree with your risk appetite and investment horizon.
High Risks can give Higher Returns as well as Loss.
Typically, anyone young (25- 35) should keep aggressive portfolio and reduce equity exposure as you age further.
Personally, I believe to keep higher equity if your retirement is 15-20 years away as this gives advantage of taking benefit of equity investment.
Hope this helped and not confused you 😊
@@EveryPaisaMatters thank u
@@EveryPaisaMatters Sir which is best from PPF or SUKANYA SAMRIDDHI ACCOUNT ??
@@samshirjagrala3491 SSA has better interest, but the money you put in SSA is not yours anymore
@@sachin1825 Tax benefits will get to me or girl child ??
Sir ek video NRO account vs NRE account pe banaye. Dono mein se kaun sa better hai?
Sorry sir, not my area of expertise. 🙏
@@EveryPaisaMatters OK thanks for reply
Sir, mere father ka pension money 3sal tak lock in kar sakte hai..kaha pe dalna accha hoga?short term 3sal ke liye
Pension money 3 years - best is bank FD. See if you can do for 5 years as aaj kal kuch extra mil raha senior citizens ko agar 5 years ki FD karwate to...
@@EveryPaisaMatters okay sir thankyou for your reply...fully appreciated
NPS kahase milti hai ELSS k bareme bataiye ki ye kaha milti hai please bataiye
all the small finance banks are giving more than 7% interest on fixed deposits...they are under rbi
7% interest only if you keep more than 25-50 L.
But DICGC insures only upto 5L
Very valuable info sir..👍👍
Very informative vedio...sir please sovereign gold bond par vedio banaye
banaye huye hain. channel ke naam se search keejiye, bahut milengi
@@EveryPaisaMatters ok sir
Thank you
Sir, abhi bank apna FD interest rate increase kar rahe hai.
Kya hame purani bank FD that booked in lower interest rate ko break karke new fd interest rate par karni chahiye?? Please reply
Good Question - Next Topic on this video 👍
Sar Mera age 32 years hai Mera income monthly 15000 hai mujhe kahan invest karna chahie Koi sabse best scheme bataiye Mujhe please sir
Sir, I am 52 yrs....is it advisable to invest lumpsome in NPS....? How fast can I expect to start getting the returns or say, pension after such investment ? Thanks
What is your purpose of Investment in NPS now? is if via corporate or your own?
What is best for a person who is 43 ?
Post office ki ek sabse achhi bachat ki scheme h kvp jisme aap ne koi Prakash nahi data jiska interest rate v achhi h
Kyunki uska lock-in period 10 saal se upar hai....
2:14 us intrest ko kis tarah show kar sakte hain? Will it be under 80c do we have seperate column for that?
It will be under 80C
Sir which is better Nifty 50 ETF or Nifty 50 index Mutual fund?
Etf
@Ranjit Tyagi etf no expense ratio. Can be bought and sold instantly.
Please do not touch your spectacles every now and then...It looks very bad & irritating...bdw very nice video. Keep on! Thanks.
Naya naya lagana shuru kiya hai. Still to get accustomed to it....thanks for feedback.
Can I get P2P detail information without registration or log in? Like jese aap data ka analysis karte ho bcz this is my research topic.
Check my playlist. Created many videos.
@@EveryPaisaMatters Thank you
STILL PPF,NPS ARE BEST.FOR GIRL CHILD SUKANYA AMRIDHI IS BEST
Icici prudential fd
Bharati AXA Life Elite Advantage Plan is committing 11.88% guaranteed return after 12yr, is it true?
How much is the premium?
Can you share the calcultions or whatsapp screenshots of what has been shared with you at contact_epm@icloud.com
sir , how safe KVP is ?
It is offered by Government....
सर पोस्ट ऑफिस के एफडी के रेट बढ़ने वाले हैं क्या
शायद। बाक़ी समय बताएगा।
Is channel Par sach mai bohot acchi genuine information milti hai. I am glad that I found this channel. It deserves more popularity ❤️
Ya, right..
Govt scheme mai invest low risk. Lekin kuch employees are very dangerous. Hateful nonsense employees. In post office
Sir pls review bonds by wint wealth. How would you consider it's riskiness. Is it more risky than certificate of deposit or less?
Nioted. Will Try to do.
PMVVY is very good scheme for Sr citizens. Current return is 7.66 %. Int is payable qtly, half yearly & yrly. Highlight also.
आरबीआई फ्लोटिंग रेट सेविंग बॉन्ड कहां से परचेज कर सकते है ?
Apne bank ke site me jakar
Nicely explained 👍Sir you have covered almost all the safe Schemes available in the present Scenario. Sir, Sovereign Gold Bond RBI Scheme is also one of the good option depending upon the availability of SGB rates at lower price 🙏
Thanks for your comment. I have created exclusive videos on SGB including their return calculations which no one has shown. 🙏
NRI ke liya investment in india kha pe better return mil sakte hai ek vedio bana di ji thanks
Ok Ji
Sir post office NSC pe jo interest earn hoga uspar tax/tds lagega kya ?
No TDS on NSC but tax lagega.
@@EveryPaisaMatters
Thank you Sir for the solution
Nice information Sir. Thank you.
I have one query. I had invested 75000 in KVP (post office).For this scheme, maturity amount will be the double of invested amount. How much tax will be deducted from the return (interest earned) ?
On internet it is given that TDS of 10% is deducted from interest. Please provide your helpful insights. Please resolve my query.
Yr CA will tell.u ..sitaraman changed rules..
Sir if I do fd for 3 year than when I have to pay tax? Every year or after 3year on interest
After 3y
sir ELSS has no LTCG tax. its gains are tax free!
Benefits from ELSS are taxed under LTCG. Read this for more details - groww.in/blog/ltcg-tax-calculation-for-elss-mutual-funds
Sir, kya starting mein aap SCSS ki baat kar rahe hain ?
Nahi, maine shuru mein FD ki hi baat kari thi....SCSS ki nahi.
post office service absolutly worse
Can u explain mutual funds tier one tier two ulip equity debenture
Send me links please.
What link to send
If you are falling under 20% tax bracket, better invest in ultra short term funds, liquid funds or money market funds. It will give you tax efficient returns if held for more than 3 years
Most people actually assume that all Mutual Funds in Stock Market and thus they don't explore such options but I agree it is a very good alternative.
Hi sir, can I submit 15g form for the post office fd 5years .
Ppf post office me khol nhi paya. Kaha ki 2officer sahiye . Av taq nhi aya ... Bawla ho gaya hu ...
Open in any Public sector bank. Its much easy there.
Sir bajaj finserv ki fixed deposit pe review kijie
Watch this video - czcams.com/video/npyzZazZAsM/video.html
Ppf is the best sceme
Sir any scheme for handicap people?
Could you please suggest something for NRI or foreigner or OCi people
What are you looking for?
@@EveryPaisaMatters I am nri I want to investment option in india so I can retire in 🇮🇳 I have oci and British passport
@@ashaynakhate5845 Send in your email ID/contact details at feedback@everypaisamatters.com I will ask someone to get in touch with you.
Thank you I have send you an introduction email
Can i invest 10 lakhs in mutual funds ?....?
you can invest as much as you want...
How to pay tax for the interest you earned from 12% club application? Please help.
Show it as income from other sources, calculate and deposit as advance tak
Sir SBM bank ma fd karlo, har mahina 7-7.25 da data ha toh kyu post office jay.
Aapka paisa, aapka risk, aapki marzi.....
@@EveryPaisaMatters Sir risk ki baat nhi ha, state Bank of Mauritius is highly active in India and also FD is secured under Deposit Insurance and Credit Guarantee Corporation (DICGC) government of India.
@@liferocks2996 I am not saying its bad or good. I am saying, your money your choice.... 😎😎
PMVVY LIC KYA HAA ISAME BHI INTEREST JADA HAA
Poora video mere channel pe hai...plz chk karein
Good content, I think SGB should also be part of this list.
Is ELSS mutual fund, comes under EEE?
Well it does not, but if your gains are less than 1 lakh in all Equity related instruments, then its exempted (as per Income Tax Laws)
Sir, pl discuss about ELSS in detail.
Noted
@@EveryPaisaMatters Please make a detailed video. I am confused with the lock in period of 3 years, every month Sip is locked for 3 years?? Then how do you see the returns? Sorry for my half knowledge but really confused.
Thanks
@@shwetha9617 use IRR formula in excel, nd yes every SIP is locked.
Is AU Small Finance savings bank account a good option if we have 25-50 lakhs spare cash?
😇 Big Cash in Small Bank - Baat jam si nahi rahi.....
Sovereign gold bond
It is a very good option to Invest in Gold in Digital form and it also gives regular returns...👍
how to rebalance in NPS
My full NPS Playlist - czcams.com/video/QTVlHtv73ow/video.html
Nps tier 2 ke upar video banae sir
Banaya hua hai sir. Please check the NPS playlist.