NPS vs Mutual Funds which is better? | Mutual Funds Telugu | Retirement Telugu
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- เผยแพร่เมื่อ 28 ก.ย. 2024
- RA Disclaimer Link - groww.in/p/seb... NPS vs Mutual Funds which is better? | Mutual Funds Telugu | Retirement Telugu
There are many mutual fund categories helping you attain diverse financial goals. ELSS is the only mutual fund that qualifies for tax deduction under Section 80C. NPS out beats ELSS when it comes to tax benefits. However, mutual funds are more flexible than NPS which has a lock-in period till retirement. NPS and Mutual Funds are for different financial goals and investment horizons. People choose between them depending on their investment needs and risk tolerance.
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I am new to the stock market. Every stock that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the stock opportunities so far for the tech stocks.I believe having 75K yearly income would be a good investment so I want to plug all my savings into the stock market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a FA) do it for me? Please share your thoughts. I am kind of tired of searching for a good stock to buy and losing all the good opportunities
Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a stock expert for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again
@@GregMunro Hi , please who is the expert assisting you and how do I reach out to them?
@@peterwilliams6361 The broker I'm in touch with is *ASHLEY AIRAGAHI . I came across her in a Bloomberg interview and got in touch with her. You can use something else. For me, her strategy works hence my result. She provides entry and exit point for the securities I focus on
@@GregMunro Thanks for sharing, I just looked her up online and I would say she really does have an impressive background on investing
As usual, చాలా చక్కగా వివరించారు. కానీ మీరు కూడా కొన్ని crucial facts మెన్షన్ చెయ్యట్లేదు ( ofcourse, so called ఫండ్ మేనేజర్స్ కూడా చెప్పట్లేదు ). మీరు చెప్పనివి 1 మీ updation సరిగా లేదు. అది ఏంటంటే 60 స దాటిన వాళ్ళు కూడా NPS లో ఇన్వెస్ట్ చెయ్యచ్చు.2. Stipulated పీరియడ్ తర్వాత lumpsum withdrawel లో రీసెంట్ గా కొన్ని మార్పులు వచ్చాయి 3 Annuty వివరాలు, beyond 60 yrs, పెన్షన్ ఎంత వస్తుంది etc.4 Having said this, ఒక్కరంటే ఒక్కరు NPS tier 1 tier 2 Acs, etc ఇన్ఫర్మేషన్, authrised ఏజెన్సీస్ కూడా సరిగా చెప్పలేకున్నారు ( ఇప్పటికి కూడా ) మీరు, ఇలా వీడియో లో చెప్పడమే కాకుండా కొన్ని genuine douts కి జవాబు కూడా ఇవ్వాలి. For eg నేను అడిగిన 60 సం పైబడిన వారు NPS కి అర్హులు అనే విషయం పై!
CA Hiranmai, good video. Informative.
Expenses in NPS is very low, say around 0.25% and in mutual funds it is between 1.75 to 2.5%. But, neither one is a replacement for other
Thanks madam Lord lakshmi narasimha bless you
Madam..... Please give brief description in your videos either in stocks or in mutual funds information.
This is how to download the list of companies listed in the stock market, and how to manage them in excel sheet, and how to operate through the sheet, make a brief video about this and give us a detailed video in how excel application is useful for stock market.. .
Very good information. Come with more topics related to the financial management
Nice presentation, however Not much was explains about Mutual funds returns on maturity
Mam what is your answer, which is better nps or mutual funds
Im want retirement..
Just completed 4 yrs of service
Zero savings
With NPS we will get 40% returns every year, 30% as tax benefit (we can save Rs 15000/year) + 10% annual return = 40% return.
Please compare PF (including VPF), PPF, NPS (including 40% annuity plan details and process), Debt Mutual funds etc in detail.
Tax implications as well.
Is it tax beneficial on maturity or redemption if we invest on wife name if she is home maker and no income? Or Income tax is calculated by clubbing both wife and husband returns as husband sourced the funds to wife for these investments. Please explain.
Selective tools also super mom
Well explained
High Risk Mutual fund high returns funds? Top 5 ?
Dividend funds provideing Company?
Drone funds performance after 5 yrs?
Passive income schems any their Share Mkt?
Int'l MF funds any their sbi or contra Mf long term expected Percentage?
I am retired government servant with gross pension of 16 lakhs per annum. Tds is being deducted by my department, just as for salaried working employees. Are there any additional tax benefits for senior citizen pensioners, other than 80c, 80d, 80ttb and, 16(1a) standard deduction.
at the age of 60, if the market is down and withdrawal is mandatory or we can opt for this based on market conditions?. can you explain with one example
Surely, you can invest in lumpsums in tier 1, and tier Acs. In fact, it's a good stategy. You shoul regularly invest at every reasonable dip in the market ( Bench marking Nifty ) . If you follow, you would be sure to get, very, very good returns. This applies to MFs also. One can blindly follow this method and one need not follow anu stockmarket related videos and listen to any analyst's or experts, if this is followed. This advice is for, not just for you, for everyone.
@@madhusudhanaraoa4366 my main question is how the with-drawl works at retirement age? if market market deep down like cornoa time! what happens to NPS holder? does he get less return in the with-drawl (is it mandatory with-drawl)... what about pension amount? how to calculate the pension amount which we get based on sip/lumpsum investment in nps?
Yes. I too posed the same question to her, but with some difference. I would often give only highlights and don't go deep into the details. Further, doesn't have the habit of replying, even if a genuine question demands an answer.
Pl read as she would instead of I. Typo.
@@pusuluri27 After 60,lumpsum withdrawel 60& is not mandatory I believe. You can wait, until market picks up, which is a natural phenomena, as you would have noticed, how ever, deeper markets crashed, bounced back with same alacrity. You should utilise such golden opportunity every time by investing more, then adopt systematic wuthdrawel method.
Is NPS an alternative/replacement of EPF or do they always co-exist ?
they can co exist
@@dineshgolla5054 will there be any instances where NPS is a replacement for EPF ?
As far as I know NPS & EPF are two different investment options. EPF is mandatory for every employee whereas NPS is optional for corporate / private employees . PF provides lump sum amount post retirement whereas the main intention of NPS is to provide pension to the employee post retirement and till his /her death.
Madam nenu apy(atal pension Yojana) lo invest chesthunnanu ippudu NPS lo Cheravachha
Yes u can
I am retired three months ago. I have both products in my portfolio. The average returns in NPS is 10.5% and mutual funds is around 12.5% net of expenses
More than choosing a scheme, I felt that O have not saved enough for retirement. Spend majority of funds to be saved retirement are spent on children's education in US. That's gone money. I should have asked them to take education loan instead of spending money intended for retirement
Mam retirement kosam nps ki parallel ga small cap mf lo invest cheyocha
Is it mandate to invest in annuity fund
Internet banking apps : Open NPS.
Financial management apps : RETIREMENT mutual funds.
Both are the same?! else what's the difference
Thank you so much sister.
Good information mam.. can you please upload ICICI FREEDOM SIP scheem and SBI MITRA SIP .. plz explain
Madam groww lo NPS account open cheyocha???
If an investor had died before retirement, what about the money
Wonderful mam….it’s layman understanding explaining superb 🙏🏻🙏🏻🙏🏻🙏🏻
I heard that Tier-1 1 NPS account is less than 5Laksh, we exit 100%. Can you please check and confirm
Yes
Mam NPS Loni 40% manki eppatiki rava
Madam I'm starting carieer just now please suggest best small cap
Mem naku f&o cheppagalaru
Explation method good mom
thank you very much madam
Well explanation madam
You super madam
Great 👍 sis
Can we take OPS Instead of NPS in a private organisation??????????
Plz let us know??
Madam baga chepparu... when can we come out of NPS contribution if we plan for early retirement