Don't you think in NPS, on maturity our 40 percent corpus is stuck with low yeild (5.5% to 6% ) annuity schemes ? I think this restriction should be immediately removed by government and the investor should have a choice to invest their corpus as per their liking , Please share your views on this aspect . Is there any solution to this problem ?
sir how many times can we change the scheme allocation % in one year... also, if I change the scheme allocation today after how many days I can change scheme % again??
Chopra Sab - opened tier 1 NPS last week with the the split as E :75% , C& G :10% each and A :5% but chose SBI pension fund for all ! Now reviewed Equity returns would have been wise to go with HDFC as that’s best rolling returns , however the system says that PFM can be changed only after 3 months from PRAN generation date ! Thoughts pls on portfolio mix - aggressive investor and is it true can’t change PFM for 3 months now ? Thanks SDS
NPS for private sector employer contribution in new tax regime under 80 CCD(2) section will be eligible for only 10% or 14% for tax exemption for this fiscal year FY 24-25 ?
Plz make video for CG employees… which FM to select n scheme preferences as per age … coz options u r telling in your videos not available for CG employees… That would be great help sir
it is 33% (30+3% surcharge) tax saving for > 50 Lakh salary guys. NPS investment makes 49.25 % profit (100% captial money) if we compare it with Mutal fund (67% captial post 33% tax deduction). NPS performance is inline with Largecap MFs. IF you are 40 year old with >50Lakh bracket. I feel, NPS make sense for me for your retirement plan.
Sir, please bataye agar hmm is time NPS me option change karte hai to kya pura paisa ik sath is all time high equity m invest ho jayega ya systematic way m invest hoga from bond to equity.
Sir, one more thing , fund manager interest credit quarterl, half yearly or yearly credit karte hai aur iska funds ka nav current value kaise kis app se check kiya jayega
Hello @Every Paisa Matters, How many times we can update fund manager for all Equity,Corporate,Alternate and government in one fiscal year Is there any restriction ?,Do Tier 2 investment will also compound over the years ?
I have shared both answers in video. For returns, I have shared what I have got after 11 years of investment. However, there is also risk involved so always DYOR.
Government employee ko (equity,govt,corp) tino me ek hi pension fund select ka option aata hai alag alag nahi...? Govt. Employee LC-75 select nahi kar sakte kya wo option nahi aata?
@@EveryPaisaMatters Sir, pension fund manager change karte hai total corpus pahle fund manager se dusre ke pass switch hoto hai to kya iska charge bhi katta hai kya.... Jaise Mera abhi icici ke pass hai mai HDFC ya UTI me switch karna chahta hu
@@akshaychag5222 mere corpus ka 50% equity me allocate hai. Equity ka performance icici ne suruat me 5 -7 sal achha tha par pichhle 1 year & 3 year ke tenure me HDFC & UTI ka return icici se achha aa raha hai hai....
Sir, I have a doubt. I recently changed my NPS fund managers, but after the change, my NPS amount hasn't been invested. It shows 'Amount in Transit.' What does this mean? Do I need to do something, or will it be invested automatically? Please help me understand...
good morning sir i am central govt railway employee.recently i chosen icici pension fund manger with auto choice moderate lc50 may continue sir. my age is 33
Good info abt fund managers. Pls make detailed video abt tier2 investment n taxation. There is confusion if tier2 will taxed like euity or debt. Thanks
All the fund managers are available but in case of government employees only one fund manager we have to choose for every asset class. @@EveryPaisaMatters
In auto scheme showing moderate or conservative. In it it is automatically taking LC 50. IN ACTIVE MODE ONLY ONE PFM SELECTION OPTION IS THERE WITH FULL 100%
Sir, I am a govt employee and my nps is going through by default system. Now I want to enter into LC 75 scheme. My age is 40. Now share market is at its peak, so I should wait for some month to go down fund manager nav value or immediately enter into LC 75 scheme. Best fund manager should be ........ Please give your suggestion in detail.
Yes u can change in Auto choice mode either in LC50 or LC25. Best fund manager are UTI Pension Fund and ICICI Prudential Pension Fund.You can select any one from both choice.
Sir , fund manager ke parformac konse side pe chake karte h
Don't you think in NPS, on maturity our 40 percent corpus is stuck with low yeild (5.5% to 6% ) annuity schemes ? I think this restriction should be immediately removed by government and the investor should have a choice to invest their corpus as per their liking , Please share your views on this aspect . Is there any solution to this problem ?
@@ayushbaid3116 strongly needed
Apne returns kaise calculation kiya , koi options hai kaya ya manual calculation karna padega
10 year returns of HDFC is 14.32 is best among all Pf managers so I think its best for scheme E in tire 2
sir how many times can we change the scheme allocation % in one year...
also, if I change the scheme allocation today after how many days I can change scheme % again??
Chopra Sab - opened tier 1 NPS last week with the the split as E :75% , C& G :10% each and A :5% but chose SBI pension fund for all ! Now reviewed Equity returns would have been wise to go with HDFC as that’s best rolling returns , however the system says that PFM can be changed only after 3 months from PRAN generation date ! Thoughts pls on portfolio mix - aggressive investor and is it true can’t change PFM for 3 months now ? Thanks SDS
Market girne ke bad equity me exposure badhaya to.?
Hdfc for equity is best as it has best return since inception
Sir ham log ko ek hi fund manager tino mai lena compulsory hai kya kare
How many times in a year can I change my PFM in tier-1 NPS?
@@mukulvarshney7539 only one time.
Which benchmark equity tier 1 follows?
Sir abhi Change Kiya to chalega ky...market high per haii isliy guide kijiye...
After new update of nps app please make video how to change scheme preference in tier 1 for govt employees
Sir private wale b lga sakte hi NPF me ya shirf govt employee k liy hi bus
Sir NPS Tier2 ka profit pe tax kaise calculate hoga. Pl btye
Sir, I have one query. What are the charges for tier 2 withdrawals? Can't find any exact percentage or data regarding this.
How Can I create D-REMIT VIRTUAL ACCOUNT for NPS (I could not find any link in the NPS website)
Check my NPS Playlist. Have created a video on the same.
Govt employee different fund manager select kar sakte hai kya
@@virendrakumar6146 bilkul
Changed pension fund manager (LC75) 3 weeks before from HDFC to UTI seeing their trend, but the return is going low. Please clarify
Are these tax savings?
NPS for private sector employer contribution in new tax regime under 80 CCD(2) section will be eligible for only 10% or 14% for tax exemption for this fiscal year FY 24-25 ?
please make a video on active choice LC50 performance of all the fund managers
@@gopikrishna508 go for HDFC I am a govt employee I did lots of study and finally I found it best
Plz make video for CG employees… which FM to select n scheme preferences as per age … coz options u r telling in your videos not available for CG employees…
That would be great help sir
Created - th-cam.com/video/k3RmuEp27MA/w-d-xo.html
it is 33% (30+3% surcharge) tax saving for > 50 Lakh salary guys.
NPS investment makes 49.25 % profit (100% captial money) if we compare it with Mutal fund (67% captial post 33% tax deduction).
NPS performance is inline with Largecap MFs.
IF you are 40 year old with >50Lakh bracket. I feel, NPS make sense for me for your retirement plan.
Sir, please bataye agar hmm is time NPS me option change karte hai to kya pura paisa ik sath is all time high equity m invest ho jayega ya systematic way m invest hoga from bond to equity.
One time all movement
Sir, one more thing , fund manager interest credit quarterl, half yearly or yearly credit karte hai aur iska funds ka nav current value kaise kis app se check kiya jayega
There is no funda of interest. Kindly learn how NPS and investments work.
Hello @Every Paisa Matters,
How many times we can update fund manager for all Equity,Corporate,Alternate and government in one fiscal year Is there any restriction ?,Do Tier 2 investment will also compound over the years ?
I have shared both answers in video. For returns, I have shared what I have got after 11 years of investment.
However, there is also risk involved so always DYOR.
Active choice me equity 70 percent lag nahi raha hai .sir ye batiye ki tier 1 account me equity 70 percent ho sakti hai.please give the answer
@@amitmadan4887 same question mera b hei
@@amitmadan4887 yes
Scheme changes leads to taxation or charges ?
Nominal
Government employee ko (equity,govt,corp) tino me ek hi pension fund select ka option aata hai alag alag nahi...?
Govt. Employee LC-75 select nahi kar sakte kya wo option nahi aata?
Har department ka alag hisaab hai. 😒
@@EveryPaisaMatters
Sir, pension fund manager change karte hai total corpus pahle fund manager se dusre ke pass switch hoto hai to kya iska charge bhi katta hai kya....
Jaise Mera abhi icici ke pass hai mai HDFC ya UTI me switch karna chahta hu
@@rveen441 No switching chargesZ
@@rveen441 icici se kyu change krna chahte he ? Me is liye puchh rha hu kyuki me icici me switch krne ki Soch rha hu
@@akshaychag5222 mere corpus ka 50% equity me allocate hai.
Equity ka performance icici ne suruat me 5 -7 sal achha tha par pichhle 1 year & 3 year ke tenure me HDFC & UTI ka return icici se achha aa raha hai hai....
Sir, I have a doubt. I recently changed my NPS fund managers, but after the change, my NPS amount hasn't been invested. It shows 'Amount in Transit.' What does this mean? Do I need to do something, or will it be invested automatically? Please help me understand...
It gets moved in 2-3 days depending on whether there is a holiday in between.
@@EveryPaisaMatters Thank Youu Soo Muchhh Sir, I just checked the status. It has been updated. ;)
sir new application of nps mai xirr kaise dekhae ??????? phale wali app mai to wahi dikhai dae jata tha but new wali app mai xirr nhi show hota hai
Join my telegram group and share details there - t.me/EPMChat
Also thank you sir for written chapters 🙏
U r showing UTI pension funds but u selected UTI retirement solution pension funds in ur portfolio.
Both r same or different Kindly clarify it
Same
एकच सांगा n हो सर कोणता चांगला आहे कोणता वाईट......हा तो...हा .
तो.....असे नाही कोणाला समजणार आहे
टेबल बनवा एक ग्रीन वाला एक रेड वाला
Kya Government nps ke case me equity me investment kar sakte hai
@@hifiajaybabu1749 Yes! Automatic hoti hai depending on scheme you opt for.
Yes, but there is some limit on % allocation.
Covered in this video - th-cam.com/video/k3RmuEp27MA/w-d-xo.html
Very nice strong Explanation 💪🏻👌👌 UTI
NPS PORTFOLIO Tier1 distribution 1 saal me kitani baar change kar sakte hai
good morning sir i am central govt railway employee.recently i chosen icici pension fund manger with auto choice moderate lc50 may continue sir. my age is 33
Good info abt fund managers. Pls make detailed video abt tier2 investment n taxation. There is confusion if tier2 will taxed like euity or debt. Thanks
NPS m LC 50 ka hi options aa raha h auto choice m aur active choice m only ek fund m 100 k liye hi options aa raha h😮
Kaunsa option hai?
Yes same here bcz of govt employee
@@GauravSharma-upcop mere sath bhi same problem
All the fund managers are available but in case of government employees only one fund manager we have to choose for every asset class. @@EveryPaisaMatters
Government sector ke employees ko oto choice lc50 me ekhi fund manager ka option milta he
How is DSP PFM i have shifted on it yesterday please review.
Too new to be reviewed
@@EveryPaisaMatters sir should I remain investment or change.
I am investing in ICICI Pension Fund...is it ok or should I change it ..I am Govt. Servant..so opted for LC50
What are the options you see?
In auto scheme showing moderate or conservative. In it it is automatically taking LC 50.
IN ACTIVE MODE ONLY ONE PFM SELECTION OPTION IS THERE WITH FULL 100%
Details covered here - th-cam.com/video/k3RmuEp27MA/w-d-xo.html
Sir, I am a govt employee and my nps is going through by default system. Now I want to enter into LC 75 scheme. My age is 40. Now share market is at its peak, so I should wait for some month to go down fund manager nav value or immediately enter into LC 75 scheme. Best fund manager should be ........ Please give your suggestion in detail.
Govt employees k lie lc75 option nhi h
LC 50 ka h but fund manager ek hi select kr skte h tino schemes me
When switching between fund manager, then how NAV is applicable in that case? Can you explain it.
Please watch videos from my NPS playlist to understand how rebalancing takes place.
@@EveryPaisaMatters change of fund manager affects the compounding benefits?
Ab ups ki bare m btaye
Equity 50% se jyada ka option hi nahi hai
MP me maximum 9.5% bhi nahi mila 13 year ka😂
@@अपनामध्यप्रदेश-व8ष Individual Portfolio Manage karo...... Equity 75% UTI , Corporate bond 25% HDFC , Government bond 25% HDFC....... TOP RETURN 15%
Can a state govt employee change its nps scheme??
Yes u can change in Auto choice mode either in LC50 or LC25.
Best fund manager are UTI Pension Fund and ICICI Prudential Pension Fund.You can select any one from both choice.
government employee .. LC50 .. which fund to choose
HDFC
ICICI
UTI
LIC
SBI
TATA
AXIS
KOTAK
all of these options are visible
Choose based on returns shared in the video.
How to change, details here - th-cam.com/video/k3RmuEp27MA/w-d-xo.html
These kind of multi fund manager, even after allocation get reset by one of the crooked fund manager.
Govt employee koi ek Pfm rakh skta hai
Equity max 50% kar skta h..govt ch@@ bna rhi hmlogo ko
Sir please apnA no send karo ap as much puchn that much
Sir ma army ma ho plz sir send no