Top 3 Pension Plans in India (2024) | Best Pension Plan with Returns Calculator |Every Paisa Matters
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- เผยแพร่เมื่อ 2 ต.ค. 2024
- Which Pension Plan should you invest your money in 2024? Lets compare the Annuity Plans of 7 different life insurance companies in 2 different categories comparing a total of 26 pension plans.
I have also calculated the returns of these Insurance based Annuity plans which will give you better idea on how much pension you will get and what will be the overall returns?
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I am in my mid 40s, haven't begun my retirement plan and want my financial portfolio to be set to where I no longer have to worry about having enough financially. I am looking for your help please.
You don't really need much help, all you need is the assistance of a financial advisor.
@@arthurhughes6232 I totally agree with you. Get yourself a good financial manager and that is it, you are good to go.
If you are looking to begin your retirement, we have the best recommendation for you. Same one we used in setting up our retirement account.
Her name is *Leticia Zavala Perkins* .
Bot
बेवकूफ ही होगा जो इनमे पैसा लगायेगा क्युकी 5% return मिल रहा है उपर से GST कैसा मजाक है ये..!!
सीनियर सिटीजन मे 7.5% return मिलेगा वो भी बिना GST और जब जरूरत हो पैसा वापस भी मिल जायेगा..!!!
कितने घटिया- घटिया प्लान चल रहे हैं इस देश मे..!!!
Sir kotak me pention policy me 15 year 1 lac bharna he 16 years se 240000 milenge pahle husband ko bad me wife ko fir dono ke bad uska son ko life time milega ,kya karna chahiye pls ans me🙏
Good discussion.
My age is 43 yrs. I work in private sector and after age 60 years .... ??? Please compare SBI SMART PLATINA PLUS and ICICI PRU GUARANTEED PENSION PLAN
Normal bande k liya b pension plan btao. 50 lac mera pass hota to muja kaam karna ki kya jarurat the
Bank ki service v bdiya honi chaiye paise bhale 5 hazr kam mil jaye SBI ki service sb se bekar hai or icic ki service sb se bdiya !
Pension Mantly chaiye minimum 30thousd.
lic is the worst investment for any scheme
Sir Please Compare and explain all options return calculation in MS Excel sheet for lic jeevan shanti vs jeevan dhara2 vs jeevan utsav.Thank you.
With regards
Sridhar.
Very good explanation about pension plan I am 33 year's old and I just recently came across this video. I have a question currently my age is 33 and if I want to plan for pension for myself at age 55-60 so which scheme is better because for deferred plans you have taken eg. Of 45 year's of age.
Buy lic's Jeevan utsav or Jeevan umang
I am a development officer at lic...
do we have any annuity plans which match inflation instead of fixed amount like actual government pension.
Mr. Amit, can you please add Tata AIA Life Guaranteed Return Insurance Plan (110N152V07) to your comparison?
I recently started watching your videos and liked it very much. These comparison type videos are helpful. Do you have any video on HDFC Life Sampoorna Jeevan?
can u please compare LIC utsav vs sbi lifetime smart.
how policy is better than FD, and how trustworthy these policies are?
@@krazykrank7938 no more than 10 percent of your capital should be in these policies
Is there any private product in market which does not offer Return of Corpus post death?
Subscribed sir,, awesome
You have really championed the Pension plan details and more importantly how you present it , this presenting method really makes difference in people's lives. I am highly obliged as I followed you and secured my retirement portion with Annuity -- Kudos to you. It is not wise to compare against other schemes , people need to understand what is the fundamental of pension/annuity is , it is guaranteed amount . To make it very simple this is the only contract document with a company where amount in Indian rupees is clearly written that this much amount one is going to get. I am writing this specifically as I see several comments on percentage return. It clearly says it is 100% guaranteed return with specified amount. only pitfall is if Govt. goes default then you are doomed.
Many thanks for sharing your thoughts in this long post. Its comments like these that motivate me to make such informative videos 🙏
@@EveryPaisaMatters - I would suggest you emphasise on key word like amount written in contract versus market driven percentage return that clearly establishes a thought of stability in people's mind. I believe that is the key
Noted
Sir 40 sal pe koi pension hai.
Sir Best child plan analysis kare
Jjo bhi koro lic mat karo.e logo ne budhhu banate hey. Isse aachya mis post office term deposit karo e aachhya hey. Insurance kiu koro ge kgud ko puchho aur luc konsi scheme dete hey tab pata cholega
Retirement pe inhi se Lena compulsory he bhai
I have one question , why do we need to calculate XIRR ni case of immediate annuity , should not be that IRR and in case of immediate annuity and monthly payout one can simply calculate the returns in percentage - am not good at math but you can explain
If the dates remain constant, IRR and XIRR will be almost same.
please share the excel sheet so that we may tinker it for ourselves and see.
Sir, We are waiting for your video on LIC JEEVAN DHARA II
Monthly pension is change then yearly pesnion????
Very good information sir ji
Sir, Everyone required genuine advise....Thank you so much....
5 sal ka defard me kina milega 35 age mere he
Explain about kotaklife, pension plan comparing other lic pension plan
Misleading video
Pension is always monthly.
He is showing yearly so that amount looks bigger.
Avoid such information which is incorrect from the beginning
@@vikassharma5937 I certainly hope you get more knowledge. You can take pension on monthly, quarterly and yearly basis.
But if you have to criticise witgout checking due facts, feel free to do so.
इन सभी से बेस्ट investment guide मैं कर सकता हु ,वो भी इनसे बेहतर रिटर्न के साथ ,साथ ही अगर पैसा किसी कारण से निकलना पड़े तो पूरा exit bhi le sakte hai
Good Comparison
Why you have not considered post mis plan ? It is giving 7.4% return witb no deferement
Simply superb with detailed analysis. The public is flooded with various pension/annuity scheme options, and one is confused which is best. ABSL Guaranteed Annuity Plus with return of Premium is also a good pension scheme which may be discussed/compared in future videos. Thanks.
Noted.
Great. I should have visited few months back. ❤😊
Excellent Information, Thank you very much for a detailed explanation on Pension.
Plans, Sir Please forward or make Comparison video on Various Health Insurance:- family Floater plans Please explain regarding
Main policy, top up policy, Premium rates. Amount allotted for various diseases.
i am 46 yrs . can u tell me a good plan where i can invest a monthly payment upto the age of 60 yrs after which i start getting pension with joint life with life insurance
Speak out all the details. As in mobile we not able to stop video, enlarge the screen and check. Just change your presentation please
Tata fortune maxima wala monthly premium deke lifetime pension scheme bataya
Excellent review and lucid comparision of all pension plans. ❤ In the immediate annuity plan, approx. how much pension amount will increase if starting age is 65 or 70?
Very Informative Video, Thank You 👍🏻
I am recently retired having about 50 lakhs retirement benefits. What are the best options to get monthly payment as pension??
Also please if you can create some videos for NRI investments...That would help
Thank you:)
You are intelligent 👌👌🙏
waiting for this video...
Sir in this pension plan I can surrender policy and get the rate of purchase amount back after certain years ??
Sir in this pension plan I can surrender policy and get the rate of purchase amount back after certain years ??
Pls make a comparison video of LIC Jeevan Dhara-II & LIC Jeevan shanti
Saral pension me 95% surrender value milti hai.Paisa block nahi hota
Post office gives same interest why copare other worest banks
Is there any retirement plan which takes into account the INFLATION & how it will diminish our pension over time ?
@@sachinkyadav As of now - National pension Scheme
@@EveryPaisaMatters how is that, if I may ask ?
Don't we have to take an annuity plan from the ones mentioned in your video, sir.
And please also make a video about UPS vs NPS, specifically the pension part. 🙂
If I put 50 lacs as fd for the senior citizen and mothly withdraw I think the amount will higher and after the death the nominee will get,can you clarify if somebody do simple fd what is wrong one more advantage is there,i can withdraw amount any time but not in pension plan..
As India will develop, FD rates will progressively become lower and lower. After 20 -25 years FD rates may well be in the range of 3-4 %.
Muffin green acquired 20% stake in urja mobility, listed on NSE on first December and raised funds. It got RBI approval for app launch
Totally agree with you bishwajeet..put FD for long time and you could get same amount on 50 lacs. ...Good thought.
Very valid question, as FD rates are going up currently.
Kya samay ke saath Monthly Income future ko dekhte Badh sakti hai taaki waqt ki mehangayee adjust kar sake aisi scheme bataaye.
Can you do a video on pension plans where I will have to pay SIP monthly instead of one time?
Mujhe per month paisa mile aisa plan dekh raha hu like 25000-30 hzar
Contact to me
Hello sir last 4 months back main same amt k liye kuch above 6 lacs annuity amount ah raha tha now its coming around 3 lacs pls sir can you check and let us know
Compare all company term plan lic hdfc icici sbi max tata bajaj
Health plan ka bi
Great comparison
But the fact is that one does not need any pension plan if they know how to handle money. Invest in property, FD, best health insurance for your treatment, travel schemes etc
Can we compare the first of these schemes with the SWP scheme with 8% withdrawal annual return? How much money will you get at age 85?
SWP scheme will be presumptive in nature hence did not include it in comparison with Guaranteed plans.
Yeah these govt plans keep on changing interest rates and that affects your return from time to time
Thanks for the excellent presentation. Kindly prepare a video on canara HSBC smart pension plan with immediate anuity and deferred anuity.
Can we do SWP in NPS for life long? Please highlight this information because this is very important information. We are getting 10 -12% return in NPS instead of 6-7% in anuity plan.
It is not available lifelong - not yet.
Excellent, very very nutrual analysis
Sir kuch plan me equity exposure ke liye choice milta hai
What about Tata Aia saral pention pls suggest
Unit link( ulip) policy ke pension plan par video banaye sir
Very helpfull thanks alot sir❤
I am in merchant navy and I have NRE account but I am resident of india. Can I buy pension policies and will I get taxed on the pension received. Kindly advise.
Sir, very good explanation. I would like to put 30 Lakhs for my sister, she is a widow and her age is 45 years. which is the best pan for her? can I put 1st 10 lakhs in immediate annuity plan, 2nd 10 lakhs in 2 year deferment and the last 10 lakhs in 5 year deferment plan so she can get little extra in future. Your advice will be appreciated
Bhai Best bank me TDR Kar do approx 7-7.5% interest mileage aur no gst. Rs 5000000@7%=350000/year
Please add Tata AIA from next time.
Also can you make a video on NPS?
Nice work..lot of details
Thank you for the knowledge share and the effort you put into making these videos. I need, one clarity, what is the guarantee that the companies won't default in paying the committed amount? I am asking this because like for Banks, only 5 lacs of your deposited amount is secured in case the bank goes into bankruptcy, similar thing could happen to Insurance companies as well, isn't it? You may advise going to court, but we know how much time Indian courts take and above all the persons opting for these schemes would be Senior Citizens.
please show how the yearly pension will be taxed after the deferment period what implications will be there
It will be treated as income from salary
@@EveryPaisaMatters or will it be taxed as LTCG?
Pension is not LTCG
@@EveryPaisaMatters I mean for LIC jeevan Shanti pension policy when for example if I invest 1 Cr in 2024 and I choose a deferment of 10 -12 years and I get 13-14% return on the lump sum invested after the deferment period how will that amount be taxed after I start receiving the pension on the policy.
Brilliant . Very helpful
thankyou sir
Excellent ppt
Not useful
LIC JEEVAN DHARA 2
The rate of interest for lic immidiate pension plan is revised on 7th feb2024 and it is 7 pecent per annum which is higher than sbi smart pension plan. Pl make new video immidiately with comparing with all plan.
I can make it immediately if you can sponsor the cost of making video. Else the video will come after 2-3 months.
Which plan of LIC... Sir, please
❤ thanks a lots
Rs. 20,00,000
Nice comparison 🎉
Tata aka ka bhi
Thanks Sir
Sir comparison to acha h kafi per meri nazar mein saare plan bekar h isse Acha to swp kr skte h thora risk leke
Namak Swad anusar, Investment Risk anusar
Hi Sir, you have explained very nicely about the guaranteed income plan XIRR % but here I have a question let's say if someone wanted to invest at 37 years and Deferred for 10 years or let's say if he wants immediate Annuity in that case don't you the returns % are also depending on the age factor as well please advise
Yes. it will slightly depend on age. Hence, these comparisons are only to provoke thoughts and bring awareness to people.
@@EveryPaisaMatters Thank you so much sir for your reply. Sir is advised to invest 50 lacs in pension plans at the age of 37 or better to invest in PMS or split my corpus into multiple sectors in mutual funds
It will depend on multiple factors like your assets, liabilities, risk appetite etc.
Super
Very nice video
Honest review 👌👌
Sir please share the Excel file
Will do soon.
Great sir thnxx
How to get this file?
You can create on your own by following this -Course - Real Returns of a Pension Plan
th-cam.com/play/PLIHzwEu-p9d6_AAvRUajcMVoRCMqJONWC.html
Very helpful for choosing Pension Plans.
Will have to choose one in 2025 for my Parents.
Monthly/Yearly Pension payout, which will give maximum amount ?
Check back in 2025. Dont forget to Subscribe
Can I get or buy this Excel Template for research purpose before deciding on any Pension Polocy ?
Sir please include the tax implication of pension plan.
It is variable as per the person's tax slab.