00:00:03 📰 Introduction to NPS Tier 2 - Overview of the National Pension Scheme (NPS) Tier 2, - Differences between NPS Tier 1 and Tier 2, - Flexibility and no lock-in period in Tier 2. 00:02:05 💼 Features of NPS Tier 2 - Minimum contribution requirements, - No additional charges for Tier 2 accounts, - Lack of tax benefits but easy investment and redemption process. 00:04:10 🔄 Comparison with Mutual Funds - Similarities with mutual funds in terms of investment flexibility, - Explanation of active and auto choice schemes, - Investment restrictions in equity for NPS Tier 2. 00:06:20 📊 Performance Analysis - Performance of NPS Tier 2 funds compared to mutual funds, - Expense ratios of NPS Tier 2 vs. mutual funds, - Historical returns and performance data for different fund managers. 00:08:30 🏦 Conclusion and Recommendations - Summary of performance differences between NPS Tier 2 and mutual funds, - Emphasis on ease of use and variety in mutual funds, - Final thoughts on choosing between NPS Tier 2 and mutual funds based on individual needs.
Disadvantage of Tier 2 Same day Nav possible only if invested before 9 am on that day., otherwise it will take 2/3 days to credit units into ur account when purchased. Gains are taxable as per income tax slab in nps tier 2. No tax benefit like tier 1 Advantages Low cost Can change percentage allocation between E/G/C as per market condition, 4 nos free switches allowed in a year Can transfer amount to tier 1 , to save tax instead of redeeming ,which will attract tax.
sir... mutual funds are starting to have governance issues these days(axis, Invesco, Aditya Birla). Is there a possibility that NPS can have similar governance issues?
Sir, What can be good strategy to use NPS account for Central Govt. Employee as there are following restriction for government employee while using it. 1) In auto choice we can't select aggressive choice (equity -75%), only moderate and conservative option available 2) In active choice only one option i.e 100% Government securities. So, what is best options for government employee??
Than u for a very informative video. I believe there is a benefit of tax in the NPS which is worth mentioning here. The capital gains on MF are taxed at 12.5%. Whereas the capital gains in NPS are tax exempted. This can be a fame changer!!
1. When is the interest deposited into NPS Tier-1 and Tier-2 accounts? Is it credited at the end of the financial year? 2. When withdrawing from the Tier-2 account, does the withdrawn amount go to the same account linked during Tier-1 account opening? For example, if the Tier-1 account was opened through SBI, and the Tier-2 account was also linked to the same SBI account, can funds be deposited or withdrawn from this account at any time?
Nice video Gaurav ji... Can you please make video on Corporate NPS (10% basic Salary) + 50K personel contribution and how it is beneficial from tax planning perspective...
on redemption how much tax will go . either only on income or (investment + grow money ) bcz one person is saying that tax will become on combined invested money with growing money .
I have a question regarding NPS tier 1 , if I don't want to continue till 60 years of age , if I want to close within 5 ,6 years , what is the procedure ?
Very much informative Jain Saab. But I think the return figures you have presented are adjusted by expense ratios as MFs usually do. Please enlighten that fact.
As an Employee , if your organisation had mandatory NPS policy , Tier 2 option with AutoAgressivs option looks lucrative. ( Single App monitoring for both Tier 1 and 2 ), comparatively same return with MF , Sone times limited option is good , It saves your Time and Energy:)
@@happyman1428 Provided one has not enabled tax saving clause in Tier 2 (Which makes Investment lock-in period of 3 Year). Otherwise Tier 2 is like your saving account. Deposit n Withdrawal as per one's discretion.
Bro it's obvious...He just mentioned that it acts just like an Aggresive hybrid fund which means if you compare it with pure equity it's less risky and less ROI
Where can I get a video on NPS Tier1 vs Mutual fund. And which is better NPS with tax benefit or MF w/o tax benefit. Specially for 50000 extra benefit. 30% slab
There is option to move tier 2 funds to tier 1, what are tax implications for this, if I want to move the funds from tier 2 to tier 1 in 58th or 59th year or may be fee years earlier.
There will be no tax implications as of now. You can move funds in 58th or 59th year without giving any tax. But it can only be a one way transfer. You can't move funds from T1 to T2.
But where equity in NPS is invested ? In their customised Index Funds or like their Active Mutual funds ? Why can't we compare with their AMC's Active Mutual Funds if they invest in their customized Active Mutual Funds ? Are these companies (HDFC, ICICI, SBI, etc.) having less experienced Fund Manager than their normal AMC Fund Manager ? Gaurav Sir. Nobody answers these pointed questions. please give answers to all of these as it is the final point everybody wants to know before investing in NPS Tier-1 or Tier-2.
Sir, as a govt employee we have a choice of only 3 fund houses to choose from, moreover 90% of the employees are choosing auto choice. Can u please make a video illustrating how to maximize the returns. E.g. auto v active choice, and what percentage to go for.
Tier 1 is non withdrawable.. Locked till your retirement. Tier 1 withdrawal on maturity is allowed for max 60 percent of the maturity amount and its non taxable. Rest 40 percent goes into annuity which you get till you are alive. After your demise that amount is given as a lump sum to your family
Respected Sir I am working government bank and deduction 10% goes to NPS every month. My fund manager is SBI. My question is I am getting not so good return on NPS, can I change my fund manager or should I change the fund manager? Please make a detail video on NPS Tier 1
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00:00:03 📰 Introduction to NPS Tier 2
- Overview of the National Pension Scheme (NPS) Tier 2,
- Differences between NPS Tier 1 and Tier 2,
- Flexibility and no lock-in period in Tier 2.
00:02:05 💼 Features of NPS Tier 2
- Minimum contribution requirements,
- No additional charges for Tier 2 accounts,
- Lack of tax benefits but easy investment and redemption process.
00:04:10 🔄 Comparison with Mutual Funds
- Similarities with mutual funds in terms of investment flexibility,
- Explanation of active and auto choice schemes,
- Investment restrictions in equity for NPS Tier 2.
00:06:20 📊 Performance Analysis
- Performance of NPS Tier 2 funds compared to mutual funds,
- Expense ratios of NPS Tier 2 vs. mutual funds,
- Historical returns and performance data for different fund managers.
00:08:30 🏦 Conclusion and Recommendations
- Summary of performance differences between NPS Tier 2 and mutual funds,
- Emphasis on ease of use and variety in mutual funds,
- Final thoughts on choosing between NPS Tier 2 and mutual funds based on individual needs.
Disadvantage of Tier 2
Same day Nav possible only if invested before 9 am on that day., otherwise it will take 2/3 days to credit units into ur account when purchased.
Gains are taxable as per income tax slab in nps tier 2.
No tax benefit like tier 1
Advantages
Low cost
Can change percentage allocation between E/G/C as per market condition, 4 nos free switches allowed in a year
Can transfer amount to tier 1 , to save tax instead of redeeming ,which will attract tax.
I think you gave better insights on NPS than this video.😀
NPS II now allows 100% equity, If possible please make new video on this
sir... mutual funds are starting to have governance issues these days(axis, Invesco, Aditya Birla). Is there a possibility that NPS can have similar governance issues?
What governance issues
Sir, What can be good strategy to use NPS account for Central Govt. Employee as there are following restriction for government employee while using it. 1) In auto choice we can't select aggressive choice (equity -75%), only moderate and conservative option available 2) In active choice only one option i.e 100% Government securities.
So, what is best options for government employee??
Than u for a very informative video. I believe there is a benefit of tax in the NPS which is worth mentioning here. The capital gains on MF are taxed at 12.5%. Whereas the capital gains in NPS are tax exempted. This can be a fame changer!!
@@bharatkhatri6860 that is only for Tier1
Sir, you can contribute 100% in equity in NPS Tire-II. No boundary (75%) in equity.
How about redemption and tax on capital gain on NPS tier 2?
Same as mutual funds
No tier 2 taxation line savings account 30 % tax in higher bracket.
1. When is the interest deposited into NPS Tier-1 and Tier-2 accounts? Is it credited at the end of the financial year?
2. When withdrawing from the Tier-2 account, does the withdrawn amount go to the same account linked during Tier-1 account opening? For example, if the Tier-1 account was opened through SBI, and the Tier-2 account was also linked to the same SBI account, can funds be deposited or withdrawn from this account at any time?
Thanks sir, this was exactly the information i was looking for since along time.
Hi, Tier2 provides the tax benefits upto Rs 15k. Can you please check again and correct statement about no tax benefit for the same.
How to check stocks invested by various AMCs in equity part?
Can NREs open tier 2 account?
How the NPS Tier 2 profit is taxed? Can we withdraw the whole tier 2 amount with in 1yr of deposit?
Nice video Gaurav ji...
Can you please make video on Corporate NPS (10% basic Salary) + 50K personel contribution and how it is beneficial from tax planning perspective...
Please also comment about tax treatment of NPS Tier 2 gains (on withdrawal) vs Mutual fund gains. Thanks 🙏
How Taxation on NPS tier2 works?
Saurav Ji, please make a video on NPS tier 1 with 75% equity and rest in debt and compare the performance with aggressive hybrid funds?
Gaurav
Sir, aap mutual funds bhi bechte ho kya?
on redemption how much tax will go . either only on income or (investment + grow money ) bcz one person is saying that tax will become on combined invested money with growing money .
But what is TTS in tier 2....While opening it's asking if you re going to open regular or TTS account in tier 2 which should I choose
I have a question regarding NPS tier 1 , if I don't want to continue till 60 years of age , if I want to close within 5 ,6 years , what is the procedure ?
Sir my opinion in mf we have to choose ,bus nps tier-2
Auto choice.We don't have to think regarding investment.
Sir my opinion is ok or not
Tier1
Sir compare with mutual fund vs Tier 1 with tax benefits
Sir nps tier 1 central govt scheme vs mutual fund comparison
Tier 2 se fund swtich kare while withdrawal, is it tax free ?
Hi sir , can u pl compare index funds Vs nps tier 2 on the basis of calander returns and rolling returns ...thx
Please make a video on tier 1 option also.
MAIN IS TAX FOR TIER-2.
Is THE ENTIRE AMOUNT TAXED AT WITHDARWAL OR ONLY THE INTEREST IS TAXED????
Interest
What's the taxation?
NPS TIER2 is Safe same as tier1?
Is NPS tier 2 auto conservative is good option of debt fund for more than 50 yrs 30% slab person
No information on the taxation, zero value add video
Very much informative Jain Saab. But I think the return figures you have presented are adjusted by expense ratios as MFs usually do. Please enlighten that fact.
I am 53 yrs NPS tier 2 auto conservative option good investment option for 5-6 yrs or gilt fund or hybrid arbitrage better option
As an Employee , if your organisation had mandatory NPS policy , Tier 2 option with AutoAgressivs option looks lucrative. ( Single App monitoring for both Tier 1 and 2 ), comparatively same return with MF , Sone times limited option is good , It saves your Time and Energy:)
Can we withdraw Tier 2 WHOLE AMOUNT Before 1yr of deposit? Is the profit is Taxable? U know in Mutual fund profit exceeding 1lakh only taxable
@@happyman1428 Provided one has not enabled tax saving clause in Tier 2 (Which makes Investment lock-in period of 3 Year).
Otherwise Tier 2 is like your saving account. Deposit n Withdrawal as per one's discretion.
Tier one mene auto kiya...lakin muje equity me Jayda dalna ho tho
Can above 50 people use NPS tier 2 auto conservative as debt part of investment
Sir .plz make video of tier 1
Useless video, Author is not coming to the point. What is better NPS type 2 or MF?
As per him MF is better
Bro it's obvious...He just mentioned that it acts just like an Aggresive hybrid fund which means if you compare it with pure equity it's less risky and less ROI
Sir, tier 2 account me 50000 ki extra benefit hai kya, please
Where can I get a video on NPS Tier1 vs Mutual fund. And which is better NPS with tax benefit or MF w/o tax benefit. Specially for 50000 extra benefit. 30% slab
LUMPSUM ke liye Kahan invest kare
What about taxation of the returns made in NPS T2 against Hybrid MF where it is decided based on the advertised equity holding 🤔
I'm central govt emp and I have only 50E options in hdfc pfm not allowed 75 E why is this possible to increase my E exposure
Plz make video on TIER 1
Does NPS tier 2 also have regular and direct plan?
Pl. share some thoughts on gold ETF types (stock and MF)… in long run is that advantage than physical gold
There is option to move tier 2 funds to tier 1, what are tax implications for this, if I want to move the funds from tier 2 to tier 1 in 58th or 59th year or may be fee years earlier.
There will be no tax implications as of now. You can move funds in 58th or 59th year without giving any tax. But it can only be a one way transfer. You can't move funds from T1 to T2.
What about taxation on NPS Tier 2 account?
Thank you Gaurav Sir 🙏
Hi sir, is it recommended to invest in NPS tire1 account with additional tax saving benefit?
One main difference is for NRIs, NRIs in US cannot invest in MF, but they can invest in NPS tier II. Can someone confirm
Please do a comparison video of
NPS TIER 2 vs ELSS
Nps tier2 regular vs tts saving anyone tell me the difference?
Can you please comment on the taxation of NPS Tier 2 returns ?
Please compare NPS tier 2 auto conservstive fund with Debt fund
What is taxation on nps tier 2?
Tier 1 pe video banai ye sir
Is return on nps tier 2 tax-free?
No
Then how the redemption will taxed? Is it like debt mf or fully taxable as per slab.
@@kajalmondal This make the major difference with MF
What about withdrawal and taxation of tier 2 like when we move from tier 2 to tier 1
nps tiyar 1
nps tiyar 2
entri age o year अगर हो जाय
तो छोटे बच्चे के लिए
nps
a/c open karate
Sar kripya mujhe bataen ki npa second tyre mein 50000 ki additional exemption hai ki nahin hai
What about tax benefit can you please discuss and compare this too
But where equity in NPS is invested ?
In their customised Index Funds or like their Active Mutual funds ?
Why can't we compare with their AMC's Active Mutual Funds if they invest in their customized Active Mutual Funds ?
Are these companies (HDFC, ICICI, SBI, etc.) having less experienced Fund Manager than their normal AMC Fund Manager ?
Gaurav Sir. Nobody answers these pointed questions. please give answers to all of these as it is the final point everybody wants to know before investing in NPS Tier-1 or Tier-2.
Without incorporating Tax on each Investment comparison has no meaning. Video is silent on this
Sir please make a video on NPS tier 1 vs ELSS or index fund for retirement corpus.
Sir I also have tier 2 from last 3-4 years. AIF is not there in the tier 2 I guess.
Sir, Tell about Teir 2 tax- section
Since now we can invest 100% in equity, can you suggest if tier2 is better than any other mf?
Please make a video on NPS Tier 1
Sir video on nps tier-1 and nps for government employe
Please make a video for Nps tier 1
Nps tier-2 me 100% equity me invest kar skte h
Yes, new feature has come
Thank you sir,please do calender analysis.,
wrong
my tier 2 has 81%equity
Sir Please cover Tier 1 also
Tier 1 video would be great 👍
yes please make video
Thank you!
Nps is difficult for use as compared to mutual funds
Plz make video on Nps tier 1
Can we open NPS tier-2 without tier-1 ?
No
No
Nice sir 👍
Tier 1 details pls
Sir you look very handsome and attractive ❤
Sir make video on Tier 1 NPS
Sir kindly make a video on option available for government employees on tire 1 contribution please
Make a video NPS TIER 1 VS NPS TIER 2
Sir, as a govt employee we have a choice of only 3 fund houses to choose from, moreover 90% of the employees are choosing auto choice. Can u please make a video illustrating how to maximize the returns. E.g. auto v active choice, and what percentage to go for.
What are those 3 fund house? One is nps and other two are?
NPS tier 2 has tax relief upto 50k
No, only Tier1
@@InvestYadnya Means in Tier 1 + 80C savings are 150k+ 50 k ??
Good..Please upload one for Tier 1 also..Thanks
8:00 , 3 years better than 1 year.
Thanks sir for the crisp and clear video. Can you make a video on NPS Tier 1 as well. Thanks in advance
Tier 2 is just an Aggresive Hybrid fund with less expense ratio that's all....
Very useful and precise information..thanks so much
Compare with Tier 1 vs NPS🙏
Tier 1 is non withdrawable.. Locked till your retirement.
Tier 1 withdrawal on maturity is allowed for max 60 percent of the maturity amount and its non taxable. Rest 40 percent goes into annuity which you get till you are alive. After your demise that amount is given as a lump sum to your family
Tier 1 please
Respected Sir
I am working government bank and deduction 10% goes to NPS every month. My fund manager is SBI.
My question is I am getting not so good return on NPS, can I change my fund manager or should I change the fund manager?
Please make a detail video on NPS Tier 1
Yes sir tier1 also