NPS vs PPF vs EPF vs Mutual Fund vs ELSS
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- เผยแพร่เมื่อ 30 มิ.ย. 2024
- A comparison of NPS, PPF, FD, EPF, Mutual Funds and ELSS is done. Should you invest in National Pension Scheme, Public Provident Fund, Fixed Deposit, Mutual Funds or Equity Linked Schemes? The comparison is done on 4 parameters - Risk, Liquidity, Tax Benefits and Expected Returns.
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• NPS vs PPF vs EPF vs M...
Time Stamps
00:00 Introduction
01:22 Fixed Deposit (FD)
02:34 Provident Fund
04:47 NPS TIER1
07:50 NPS TIER2
08:11 Mutual Funds
10:24 Comparison chart
इस वीडियो में एनपीएस, पीपीएफ, एफडी, ईपीएफ, म्यूचुअल फंड और ईएलएसएस की तुलना की गई है। क्या आपको राष्ट्रीय पेंशन योजना, सार्वजनिक भविष्य निधि, सावधि जमा, म्यूचुअल फंड या इक्विटी लिंक्ड स्कीम में निवेश करना चाहिए? तुलना 4 मापदंडों पर की जाती है - जोखिम, तरलता, कर लाभ और अपेक्षित रिटर्न।
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What’s the difference Between NPS & PPF?
What’s the difference between PPF & EPF?
What’s the difference between EPF & Mutual Funds?
Which option is better NPS, PPF, EPF, OR Mutual Fund?
Comparison of PPF, NPS, EPF & Mutual Fund?
Where to invest NPS, PPF, EPF, or Mutual Funds?
What’s the Parameter to compare the Investment ?
What is Risk, Liquidity, Taxation & Return in Investment ?
Which option is better for long term investment ?
What is mutual fund & how much return can we get ?
Is it good to invest in Mutual Funds ?
How to invest wisely to achieve long term and short term goal ?
Which option gives higher tax benefit NPS, EOP, PPF Or Mutual Fund ?
How to invest for Retirement ?
What are the Financial Retirement planning option available ?
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Thanks for the wonderful and simple explanation. All the 4 parts (including 3 parts around NPS) were very informative. Nicely explained with the help of examples. It has helped me immensely for taking an informed decision.
Glad to hear that 😊
P
If we open a Tier 1 account initially and later on can we open Tier 2? Or If I'm selecting TIER1 AND TIER 2 while opening account then Tier 1 and Tier 2 account investments will be shown separately, right?
@@AssetYogi If we open a Tier 1 account initially and later on can we open Tier 2? Or If I'm selecting TIER1 AND TIER 2 while opening account then Tier 1 and Tier 2 account investments will be shown separately, right?
Nice guidance provided in lucid language.
If possible, please try to compare LIC as well in this series.
To the point and simple explanation. I daily watches financial videos and till today was not clear about where to invest. But, my search ended here. Thank you for sharing detailed knowledge in a vary simple way.
थैंक्स सर वेरी नाइस वीडियो सर जी पूरे पैरामिलिट्री में लगभग 500000 कर्मचारियों का एनपीएस में अकाउंट है सर आप एक वीडियो उन कर्मचारियों के लिए बनाइए जो 20 साल जॉब करके स्वैच्छिक सेवानिवृत्ति लेते हैं उनको एनपीएस के द्वारा क्या बेनिफिट मिलेगा और लगभग कितना मिलेगा प्लीज सर इसका आंसर जरूर दीजिए लगभग सारे कर्मचारी इसका उत्तर जानना चाहते हैं
Zero 20 ke bad
60 sal bad v zero h for only govt employees
Ppq
Very informative video with high quality of explanation! I'm 24 and i have learnt so much from you that I would definitely apply while I'll be thinking of investing! Thank you & Keep up the good work!
Thanks 😊
First video, subscribed and bell pressed ... Highly Satisfactory info .
Now I understood to make my goal.
Kindly make video on ULIPs with same comparitive points
Amazingly simplified 👍
One of the best financial literacy channel.
Mr Mukul takes time and chooses important subject to talk upon and not like few other channels where they come up with daily videos just to increase the number of viewers but the content is of utter waste
Mukulji aapko like button बोलने ki जरूरत नहीं hai, aapke सभी videos नॉलेज और liked ही होते हैं. Thanks for it. Awesome
Thanks for the support and appreciation Amit :)
Very nice & clear explanations of savings schemes..
Keep supporting
Nice and informative editorial Sir, after watching this video I have started to invest in NPS, PPF and ELSS.. thank you so much
Glad to hear that 😊
This is the best channel to gain financial knowledge...I really love all your videos... The way you explains everything is amazing... Best wishes 👍👍
Thank you for your nice words Deepti :)
Man! The way make us understand is spectacular, your way of exploring and briefing with stances shows truly an leader quality in you as well as in taking into consideration for us.. I much very assured now to under which circumstances i should opt for the particular schemes/ heads according to my need and their usage in future. I would definitely ask my friend to at least watch this videos before investing to anywhere existing schemes or plans..
Thank you so much Sir!
Really appreciate your efforts..
Looking forward for necessarily videos in day to day life pertaining to practical aspects of investment and their benefits ahead.
As far as I learnt from internet, I already invested in FD according to my need in coming years but now I'm very much assured and feeling proud of my decision i stood on..
Amazing video. So simple to understand. I have been struggling to understand this for a long time. Thanks!
Thank you for appreciation 😊 Geetika
@@AssetYogi clear cut how to open nps account and where it is available to track investments
@@potter4326 Bhaisaab aapko reply nahi milne waala, aap Geetika thodi na hain😝
@@Ashish-tz4vn
Eske kya guarantee hai bhai ye Geetika hai ya Geetu..profile 80% fake hai TH-cam p..
Par ye yogi hai, koi chance nahe chodeyga😂
@@AssetYogi can you pls make a video on VPF?
You are doing a great job to educate people about self-finance. Keep it up sir. Respect !!
Thanks Deepak
@@AssetYogi 1😯
Mai govt employee hu 14℅ government, 10℅ khud ka, iske hisaab se NPS ya Mutual fund sahi rahenga, kyunki paisa dono me paisa after 30 saal ke baad hi niklengaga, mujhe mutual me 30 saal rakhna hai please
Thank you Mukulji. Nice and informative. Clear-cut explanation. Like wise please a video about effective mutual funds for next 10 to 15 years or more. God bless you.
Thankyou Dipak
Great work sir... Appreciate your efforts sir...I started learning from you. Yes I am late as I entered in age of 37 but will follow you sir..Thanks a lot sir..Really help me..I subscribed and pressed bell icon to get latest video..From Naresh Joshi
Good to hear that 👍
Great and Clear explanaton for every type of savings plans to consider. Was struggling especially with NPS to understand, here u made it very clear. Also taken into account, all the types of aspects for each types of savings scheme. Totally good! Keep it up!
Glad it was helpful!
Dear Sir, I am so obsessed with your videos.. Can you also please throw a light on investment ideas for lump sum amounts. How to divide them and plan them. Right from 10 lakh to 50lakh.
@Asset Yogi - Thank you simplifying the things and for the comparison. I would like to know if you or your team provide financial advise for an individual especially in the Mutual Funds. Thanks.
I sincerely appreciate your clarity of explanation.
Thanks for your kind words Umesh. Keep supporting
@@AssetYogi Can you make a video on Term Insurence? Please.
This is an extremely informative...
Thank you!!
I hope this will be helpful :)
मुकुल जी आपका समझाने का तरीका (way of expression) बहुत अच्छा है I और जो आप जानकारी देते है वो काफी informative होती है आप हमेशा सीधे टोपिक पर ही बात करते हो, नही तो ज्यादातर TH-camrs एक ही बात को रिपीट कर कर के पका देते है...I really say thanks to you
thanks Mukul, can you also please share a video on how & when to invest in property/real estate thru your own pvt ltd company? Pros, Cons, how to dis-invest if needed at later stage?
Isse better explanations ho hi nahi sakta....investments ke upar....Thanks a ton Mukul ji
Keep learning Satyabrata :)
@@AssetYogi x
Very nice.....crisp and clear.
Thank you for sharing the knowledge.🙏🙏
Hii sir, I hve seen so many videos of u ,thnk u so much for educating us about diffrnt invstmnt plns . It really useful for achieving our fiancial targts
Very nicely content and explained the terms NPS, PPF, EPF, and MF Thank you very much for the informative video!!
Good Sum-up for popular investment. I Always like your Pin-point & correct approach u present to yr viewers. MF is always the best. "Dil maange more"☺️
Thanks Partha!
Good
I want to invest mf sip for 15 years ky yeh shi rhega
Very good Initiative of spreading knowledge with case study.
Thank you for appreciation 😊 Hope it helps, Vishal
@@AssetYogi definitely yes
बहुत उपयोगी जानकारी दी आपने अभी तक शून्य थी मेरी जानकारी इस विषय मे ।
Keep learning 😊
Thanks for great video.. Can you plz let me know more about if I would like to invest my saving in all these schemes at a time so how much percentage portion I need to make it for each part..
Hey Mukul great work done to make it so simple, even a layman can understand all the products. Please let me know if you personally help in investment planning since I need a good investment planner who can guide me well. Once again awesome explanation sir. Thank you.
Glad to hear that Arvind :)
Sir you are great, really a GEM, thank you so much for sharing all the knowledge.
Keep learning
Schools should hire person like u with other teachers to educate students in personal finance.greedy agents and advisors are misleading ppl bcoz ppl doesn't know the basic fundamentals of finance.i have seen so many ppl investing in chit fund companies and lost their hard earned money.thak u mukul sir frm bottom of my heart. U r doing a grt job.i have applied ur tips and tricks while investing and dealing property.👍👍👍
We at mithibai college view your videos in our lectures suggested by our sir. Really helpful.
Hi mukul ji , plz make vedios for ,how can we change our pension fund manager in NPS through online/offline with complete details.
Very informative video .. great job @assetyogi
Can u share the last slide as an image where all instruments are compared on different parameters ? That wud be very helpful
Thank you Sir! bahut simple way me aapne sab clear kar diya 🙏
Such a informative and useful video.... thank you asset Yogi for unlocking our financial knowledge
Thanks for appreciation :)
Thank you sir. You are giving good knowledge
Thanks Jagannath!
Thnax sir wonderfull explained by you, This my Best youtube channel
Thanks Sir, Apke video bahut achche hote hai... futuristic ke liye bahut important hai... Thanks again and God bless sir. :) :)
Gud job 👍 you can also take an example of amount like 5L for each investment and can explain how much we will get in different schemes
Awesome info! Thank you Sir! May God bless you
Thanks for appreciation Vivek :)
This is my favorite channel for financial literacy. I m really thankful that i discovered you for I am learning so much at this age and i ve started planning.
Thank you Mukul Ji. Please keep guiding us!
Pakka dost ho inke
बहोत अच्छे सर...
भगवान
आपको लंबी उमर दे.
simply excellent. thanks.
Really , this video made me understand and helped in planning my future . Thanks a lot sir . God bless you ☺️
Most welcome 😊
बहुत खूब समझाया श्रीमान 🥰🙏🙏
Very useful info. I also want to save money 4 future requirements. U explained deeply sir & Thanks sir😀👍
Waah Sir, ek hi video mein saare doubt clear kar diye.
What a beautifully and clearly are explained by u, no need to go anywhere to understand financial advise.
I watched many videos of yours and most of the things have been cleared by it.👍👍👍👍👍
NPS is becoming better day by day. Of course annuity should not be preferred option but just like mutual funds, there should be availability of SWP (systematic withdrawal plan). Here, I would like to ask, what is the Tax Treatment on amount withdrawn from tier 2 account of NPS? (1) Is the entire amount (Principal + ROI) or only ROI (based on individual’s applicable tax slab)? or (2) Is taxability separately based on three different asset classes of investments i.e. equity, corporate bonds, government securities (E,C,G)?
Thanks a lot for explaining.. Definitely it will help to save as per goals..
Thank you so much 🙌🙌 Always wanted to know about all these
Love the way you simplify things for us! May all your efforts prosper. Stay blessed :)
7000499624
Informative video. Well edit. No confusion. Thanks for sharing knowledge 👌🏻👍
Thank you for appreciating
Good
Amazing video sir. So many deep and complex topics became Crystal clear just by 1 video
Keep watching
Please make a video on various post office life Insurance schemes and explain whether it would be prudent to invest in it...If yes, then the kind of returns they would give after maturity period...
Classic.. perfect explanation with differentiation ... Thank you boss. One request regarding corporate Employee - we have Employer Contribution in PF which included in our pkg. Can you explain under which section we can claim tax deduction for same .. as per as my knowledge this is divided into two parts - one goes to PF and some EPS.
It's EPF. This can be claimed under section 80c
@@AssetYogi If we open a Tier 1 account initially and later on can we open Tier 2? Or If I'm selecting TIER1 AND TIER 2 while opening account then Tier 1 and Tier 2 account investments will be shown separately, right?
This video is gagar mi sagar 🙏🙏🙏 saare answer mil gaye h ❤️❤️
Thank you so much...very clear and crisp video
Hello Sir, what an informational video..am your new fan.
I would like to mention one important thing about PPF that you don't need to invest fixed amount every year, the minimum investment is only 500 rs per financial year...So I used to invest in PPF when it had good interest rates upto 8.7% but now gov reduced it so I stopped and putting few thousands only..
So , sir where do you put your money now ?
@@DS-nq5qf ELSS Mutual funds and NPS, because with NPS we can save additional tax upto 50k, and the way Gov is promoting NPS , it could have good returns in the future. I still do ppf as well because the returns are >7% & TDS free.. :)
Thanks sir, such a great work
The way you explain each scheme with different variable is great
Thanks 😊
Sir, videos are full of information.
Just 1 thing, why did you kept EPF as an option with PPF?.its a mandatory requirement to have this for all employees. I think you should have considered VPF instead of EPF.
please clear if i am wrong.
Regards
Manoj
Beautiful - the way you compared and drawn a conclusion like when you should go for which one - this is truly amazing.
Hi, very few videos on TH-cam covering VPF. Can you please make a quality video comparing VPF vs PPF because I am taking investment decision to invest in VPF instead of PPF and also I'll use VPF as a substitute for debt funds for a risk free investment. Pls compare all three.
Bohot mehnat karte ho sir ..
Thanks for making this video I appreciate ur work!
Thank you for appreciating Faizan
भाई मुकुल मैं एक गांव से हूँ, मुझे फाइनेंस की कोई जानकारी नहीं थी,आपकी वीडियो देखकर मैं लोगों को फाइनेंस जानकारी व आपकी वीडियो देखने का सुझाव देता हूँ।बहुत बहुत अच्छी वीडियो
Thanks for your suggestions
Best video on these topics so far, the way u explained inflation on ppf , fd etc.
Thanks sir... I think mutual invested like SIP is best for young Generation...
But bhai kisma invest kara konsa sip hogi jisma high return low risk
Best ever financial literacy video. Thanks a ton
Most welcome!
Very good and perfect knowledge. Thanks!!!
Thanks Ganesh :)
I was watching your videos from past one year but didn't subscribe , finally today I subscribed . Thanks 😊
Keep learning :)
I think ppf is good investment better other investment long term investment always better..
Really enjoyed your explanation. Great job. Keep it up.👍
Thanks Rajat 😊
Excellent comparison, thank you
Very helpful video... Thankz sir, for your efforts to make us understand..
Thanks for appreciation
Very good information bro... Thanks a lot..I have a doubt that can PPF be a better option for 20 or 25 years where risk is less and return is high?
Hi,
Can you also make some videos on,
How to build retirement folio, with ppf,epf, mf and some FDs.
Really helpful video. Thank you so much for brilliant insight.
Glad it was helpful :)
Thankyou.
Meri age 25 hai.
Aur me ppf acc me invest kar ne ki soch raha hu isi 1st April se.
Good job!!! Great info..
I hope this will be helpful
Hllo jii
Wow.. everything is crystal clear now..
Thank you sir :)
Subscribed your channel to get more quality information.. :)
Thanks Nilav 😊
Highly recommended channel ❤️
Thanks Subhojeet :)
Very clear --- One of the best for clarity .Thanks
Hope it's helpful 😊
Well explained Mukul but you have not talked about the compounding interest of PPF account, which I think is the major beauty of the product.
Exactly. He wont talk about it becauae he wants to sell ppf and. Ake public fool because he just want commission. He is a smart and shrewd businessman only. He dont care about us.
Compound interest is present in NPS and mutual funds?
Good awareness program. Simple, understandable and well defined.
Thanks for appreciation Rokkam :)
Buland Awaj hai apki :)
Thanks a lot , giving good knowledge & for non finance people like me . Appreciate it . May god bless you & your family.
Keep supporting :)
One of the best youtuber for Financial knowledge...Love you sir 🙏
Thanks Kameshwar :)
Love you sir🇮🇳👏♥️
Thanks for support :)
Wow 🙌 Informative and Easy to understand.... Thank u for this video
bahot badhiya sir.. thank you
Keep watching Mohan
Nice information bhai g 🙏
Hope it's helpful 😊
Thank you :)
Good info sir
Bhut achha sujhav
Nicely provide understanding of all areas of investments. Heartily thank @Asset Yogi