Are G-Secs better than EPF, PPF, SSY & Gilt funds? | RBI Retail direct scheme
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- čas přidán 27. 07. 2024
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In this video, we have talked about the RBI retail direct scheme. The pros and cons. Are G-Secs better than EPF, PPF, SSY & Gilt funds?
Also, can a salaried employee benefit from this? Let's find out.
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Chapters:
00:00 Introduction
2:17 Types of Securities
2:53 The Pros
4:02 The Cons
10:15 Pros of Debt Funds
12:17 Who is this for?
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Read the detailed article here: labourlawadvisor.in/blog/are-...
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Editor: Rohan Agarwal
Presentor: Money Minded Mandeep
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Investment Banker Was Getting Married.
During Wedding,
Wife Vomits.
Husband: “What Happened ?”
Wife: “Capital Gains Arising Out Of Previous Investment.”
@@musicbeast_😂😂you're combination of funny & your editing skills are just fab
Mera retail direct k account me mother's name galat aa rha tha(pre filled).. Or theek b nahi ho pa rha tha to wese hi account banana pada.. Koi way hai use theek krne ka??? Please help
Sir mene groww pr pr buyback(Mayur, gulf, kpr) k lie apply kra tha 5 accounts se 3 accounts k paise aae pr 2 k nhi aae pls btaie kya kru
Do we get 80c tax benefits in SGBs ????
This has probably been mentioned in the comments already. But just in case it hasn't ...
At around 8 min the video says you will pay 20% tax with indexation benefit for Debt Mutual Fund. This was true when this video was uploaded but it is no longer true after this year's budget.
This comparison is very helpful, thanks LALA
Loved this Video!!!
What a clear way to explain this..
Acha lgta hai !!!
Tadapte hai bhai aapki video kiye.
Bahut informative hoti hai.
Aisi info milti hai Jo hume pta bhi nhi hoti.(at least mujhe to pta nhi hoti) 🙏😇
Or wo debt fund wali video to maine phone gallery me download ki hui hai 🤑
A very rare useful youtube channel. Thanks Labour Law Advisor.
Thanks for Both Cons and Prons explanation
Great video. Thank you 😊
One of the best platform to learn personal finance
It is very true that G-Sec is not best for retail investors but they are primarily targeted towards HNI/F&O props because G-Sec can be pledged like gilt with the exact same haircut approx 10% but G-Sec pledges are considered cash equivalent. This means that you don't need cash in demat to hold an overnight F&O position. This difference makes them very attractive to the right people. Also the taxation benefit of gilt funds can be changed in future too.
RBI Direct is actually good for people having a huge amount of corpus,
Because once you get to that 8 digit figure of capital, capital protection becomes more important.
An allocation of 50 % short term bonds(good quality corporate bonds) along with 50% 30 Year Gsecs will allow your portfolio to be less volatile and give pre tax 8.10% of Nominal returns.
Which you can further invest into growth stocks or consistent compounders
Agree
right
30% TAX on 8% return will bring actual return below 6%.
Thank you for the Video. Great Presentation
What is taxation on it?
what an amazing video. You explained t very well.
You are best teacher. Salute sir
Thank you, Mandeep.
We have SARDAR SAROVAR NIGAM LIMITED BOND issued by Government. The redemption amount was Rs 1,10,000 but the govt is refusing to give full amount and is giving only Rs 50,000. The redemption year was 2014 . The Gujarat High Court directed the govt to pay since but as usual Supreme court has put a stay order .So I don’t think there is any guaranteed return , everything is subject to market risks .
G-Sec is different from PSU bonds
but Y not paying.
@@khushrauaibara8850 Don’t know any particular reason, but they said it’s not feasible to pay the full amount. But if it was not feasible then why did you promise it? Imagine if after 20 years govt says everyone PPF’s will be reduced to half because it’s not feasible , what will happen then?
@@arpansaha8323 but this bond was also backed by government,isn’t it?
No its not backed by government.
EPF - Employee Provident Fund - Some of the Pros and Cons
One Invests around 12% of your basic every month and an equal or close to equal by your employer.
The investment happens implicitly through the employer. No intervention needed by you, every month to do the investment
Your Salary in hand is post deduction of the PF amount, so psychologically, one doesn’t feel that one has spent from the Salary.
There are Tax Benefits under Section 80CCC to a maximum of 1.5 Lakhs
The amount cannot be easily withdrawn - There are clauses available for the withdrawal, but not easy. So the amount tends to remain for your Retirement.
With the new laws, one need not withdraw/transfer if one changes the company. The URN ID remains the same.
The money works silently with the power of compounding
The invested amount increases every year, (if) due to the increase in your salary(Basic)
Money is with the Govt and not any Bank, so it's very safe
The Interest rates are good and around 8% on an average, which is good in the long term
PPF (Public Provident Fund) -
One needs to open a PPF account in one of the Banks.
A minimum of 500/- INR needs to be invested every year to keep the account live.
A maximum of 1.5 Lakhs can be invested by an individual
The amount can be invested a lump sum or in instalments ( limited to 12 per year).
The whole amount can be used to claim Tax Benefits under section 80CCC.
There is no tax applicable on the interest earned every year.
There is no tax applicable during withdrawal after 15 years.
The Interest rates are normally stable and hover around 8% per annum
One needs to have the discipline to invest in PPF on a regular basis.
The amount cannot be easily withdrawn. Some clauses are available using which one can withdraw after 5 years.
The account can be opened in most Banks. I personally prefer SBI.
NPS - National Pension Scheme
This is an existing Govt Pension Scheme, which was only available to Central Govt Employees, now, available to Private Company Employees or Self Employed also.
One needs to apply for a PRAN Account either offline or online and open the account in one of the Banks
Unlike PPF or EPF, this investment has a risk component as a portion of the investment is invested in Equity. The percentage of investment in Equity can be decided during investment or can be changed with time.
The investment done in NPS can be used for Tax Benefits also, Rs 50,000/- under section 80CCD(1B) over and above the 150,000/- which is under section 80C
The whole 2 Lakhs (50K 80CCD and 1.5L 80CCD) can be completely invested in NPS also.
So, if one has invested 1.5 Lakhs under PPF, EPF or Mutual Funds, ELSS or Insurances applicable under Section 80CCC, still 50K when invested in NPS can be used to gain additional tax benefits.
60% of the Amount can be withdrawn during Maturity and this lump sum amount is not taxable.
The remaining 40% has to be converted into an Annuity plan and the amount is taxable in the year of the receipt
This plan doesn’t have the guaranteed returns as done by PPF or EPF but can be higher also. It all depends on the Plan which is selected for investing. And It’s *not* risk-free.
Part of the amount (40%) is taxable apparently. But its taxable in the year in which you get the Pension and will depend on the Tax Slab which you fall in then.
Each of the three plans as got its own benefits and from my understanding, one should invest in each of these three plans. That will make sure you have a mix of guaranteed returns as well as some equity exposure.
Bhai tere pass kitna time hai inta lamba comment krna ka 😂 #kidding
Thanks!
You should make a video upon this it's worth watching😁
PPF now is giving only 7.1 % interest which is equal to infaltion right now
Intro music bahut badhiya hai is channel ka.
Please also give an insight into RBI floater rate funds. At present also they are giving 7.15% when interest rate are lowest and now when interest are expected to go up it would fetch more.
Congratulations for 3 million subscribers
That background music from the Stranger Things - awesome!
Can we consider buying MON100 ETF monthly as an alternative since Overseas mutual funds(Motilal Oswal NASDAQ 100) are now paused by fund houses since govt added capping?
Mandeep pls make a video Invest In Floating Rate GOI Bond. Do this with comparison to the above mentioned securities.
Excellent info in this video like other videos
Great video ❤
Much waited video
Hello sir, Thanks for this informative video.
Is it better to invest lumpsum amount in NPS between 1st to 5th of April similar to PPF(as you advised) in order to get maximum benefit or to invest monthly in NPS ? Which mode is better in case of NPS if i have lumpsum amount?
Please make a video on 'How to invest in NPS'. Hope a help from you.
Reply please...
Thanks a lot. 🙏🙏
Waiting for this video 😌
Hello Mandeep, 1St of all thank you for all financial education 👏 👏. I am having a doubt on this epf & ppf. Does more 2.5 lakhs investment is taxable only for ppf or both epf & ppf ?
Thumbnail is op🔥🔥🔥
Great video
Good timely video.
Thank you brother
Dear LLA, can you please make a video on how to invest in T Bills and how much quantity of T BILLS we can buy?
Wow, Nice !, this is done like the US TreasuryDirect
Good One!
Good information 👍
Mandeep is back?
Great.
Kindly discuss about SDL, positive & negative sides of SDL etc etc
Superb!!
FYI- As per Amendment to Finance Bill 2023 Indexation benefits on debt funds has been scrapped. All such investments after April 2023 will be taxed at par with FD's as per slab rates.
Very hard working researcher
My fav utube chenell
Thank you🤗
Very informative
Best video on g-secs. Many thanks :) Others content creators are practically bleating and bull-shitting at next level.
Thank you sir🙏
Bhala ho sir apka
Its good for small traders who keep in fds
Do explain Indexation and how to calculate in your videos.
I invested 5000+2000 in Feb + Jul 2021 in SBI Magnum Gilt fund. As on May2022 return is 2.32%. Not impressive.
I checked other gilt funds, most of them have higher expense ratio & even more lesser return.
His suggestion is apt. This investment should be last in line to think upon.
Sad reality
Market is also not doing very well in this duration.
ThanQ bhai
Don't keep watching it . Leave it for few years
Please make a video guide on taxation for investors who are also salaried person.
Hello Mandip ji please make a video on taxation for maximum tax savings through investment.
Thank you
Please make video on SLBM stocks landing and borowing mechanism in zerodha
Hey! labour law advisor team
I am your big fan
Your team is so innovative
Love from Himachal Pradesh ❤
Hp me kaha se
Use NPS tier 2 account to invest in equity, corporate and government debt instruments.
How is that taxed?
Please make a video on SBI Smart Platina Plus. Is it beneficiable or not?
Very informative ! But can one redeem these before maturity, in absense of liquidity, just ike we do for bank FDs by terminating it before maturity ? Thnaks !
yeh video puraaa bouncer gayaaaa .... make is simple to understand.....
What about that repo rate that RBI increased will that affect on common people definitely it will but in what manner
Hello! Is interest payout in RBI direct retail securities annually or six monthly?
How does Kuvera make money? Can you please make a video about this?
Indians are not still aware of NPS! It's gem!
Thanks
Money minded Mandeep love you sir
Liked it....
Can I Use Light Bill Or Water Bill As Residence Proof by Bill Collector?
Bhaiya aapki tshirt jail wali Lyn lag rahi hai mujhe🙂 nice video and informative as expected 👍
Bhai..Please arrange for English subtitles ..It will be helpful for other language people..
how are they on liquidity front...? will u get any buyers if put few of them up for sale..?
Period of holding will be 3 year in case g security
Hello Mandeep, I am a consultant working for a company abroad. Essentially, I am paying through presumptive taxation as a professional service rendered to the company. I have no PF from the company as they are not in India. Is there any way I can volunteer to add some monthly amount against my old UAN? Please guide.
Badhiya
Amazing
Can you please make a video on how to invest in convertible bonds in India...there is no video/blog available at this moment
Please make video on Grip investment.
Sir please aap natural mining and sands tender per video banaye
What will be the difference between the RBI retail account and a NSE gobid account??
बहुत दिन बाद कोई वीडियो आयी Sir।।।
Please share more details on repo rate change
Bro.. agr debt fund me invest kare to arbitrage fund kaise rahenge??
Hello,
Because of the inflation the wealth kept in banks will shrink, since the inflation rate is very high. So people might start investing in stocks/ mutual funds. This brings the stock of CAMS in light (to me at least). financial ratios, growth in sales and profit are also good. But the thing which I am unable to understand is why the promotors decreased their stake from 30% to 23%? Is it good to invest in this stock due to this?
It is a kind request to you please tell us about this stock in your video or at least reply in the comment.
Thank you so much for sharing your knowledge with us
😊😊😊😊😊😊
Dear brother, we cannot compare G-sec with other 80C products and also with those risky debt funds. I think debt funds are riskier than even sectoral funds.
Next, most people in India are not in 30% tax bracket.
Anyone who comes under low tax regime, wants to earn constant income from their investments, can buy bonds from the platform whenever the yield becomes attractive, e.g. 8% (a return that most of the risky mutual funds deliver in long term.)
However, one size does not fit well. It depends on your personal financial outlook, your financial position, and other factors.
Thanks for your video. I am a big fan of you.
Thank
6:10 ltcg in case of listed security(not covered in sec 112A) is 10% without indexation or 20% with index whichever is less according to proviso of 112 but incase of debenture/bond indexation not available so only option left is 10% without indexation 😂
Thanks
Congratulations Sir 4 3M ❤️😘
Sir ye Amazon and Flipkart par gst exclusive invoice kya hota h toda detail m samjha sakte h
Please make a video on GPF.
Hello Sir,
I hope you are doing well....
Sir I just want one advice from you which is I m a Bmc Munciple corporation Labour and I m in DC1 category instead of PF category as gov. Stop giving pension to employee after 2005 recruited.
So can I open a EPF account without employer contribution or what?
Thanks in advance.
Rajesh
Bhai u have more knowledge than our financial minister 😂
Arey Bhai Bhai Bhai
Sir trading ka loss bhi ITR me dikhna hota hai kya
Kuvera v/s aerodhav/s groww v/s upstox. fully confused. Currency trading 1 video pls.
Gpf/Gmc or epf same hote h kya ???? Or nhi to kya difference h dono mai
Bro.. yea kayadi wala t-shirt hi kyu?? Favorite hai kya??😆 Anyway informative video as always..❤️
Debt fund value may increase but what about the interest I get by holding government bond on half yearly basis? Including that, actual rate of return in direct bonds may be higher
❤️❤️
Please make video on T-bills.
Great
🔥🔥🔥🔥
Can you please make a video on gripinvest