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top zero risk high return investments/best low risk high return investments 2024/PPF,NSC,NPS,APY,SSA
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0:55 PPF
3:15 SSA
4:50 NPS
6:55 APY
8:25 NSC
9:45 ULIP
Public Provident Fund (PPF):-
Public Provident Fund is a long-term investment tool and is predominantly used as a retirement planning tool.
Features and Benefits: While the PPF provides steady rates to offset the overall inflation. It also allows partial withdrawals, and you can even take a loan against your PPF of 25% of your fund amount payable back within three years. The minimum tenure of PPF is 15 years and at least Rs. 500 need to be deposited each year to keep the account active.
Tax Benefits: The interest earned is not taxable, and the amount deposited each month is tax-deductible up to Rs. 1.5 Lakh per annumReturn Rate: The interest rate of a PPF account is presently 7.1%. This is regulated and announced directly by the Government and is fixed unless mentioned otherwise.
Sukanya Samriddhi Yojana Scheme (SSY):-Sukanya Samriddhi Yojana Scheme is targeted toward the education of young girls in India so they can have a secure future. Features and Benefits: SSY allows parents to open an account for 2 daughters with a 21-year tenor for each from the account opening date or until the girl gets married.
Deposit Limits: The range of deposits each year is Rs. 250 - Rs. 1.5 Lakh, and should be done for a period of 15 years.
Tax Benefits: The annual deposit is exempted from tax under Sec 80C, and so are the returns.Return Rate: The prevalent return rate of SSY is 8.1% per annum.
National Pension System (NPS):-
The Government has introduced NPS to encourage proper retirement planning by all individuals irrespective of whether they work in the public or private sector or are self-employed. It is like to a social security pension scheme
Features and Benefits:NPS has 2 types of accounts. Tier I is a primary account that offers tax breaks and includes restrictions on withdrawals and other T&C. Tier II is more liquid and has no deposit/withdrawal restrictions, and offers negligible tax benefits
Tax Benefits: NPS is known as an EEE (Exempt-Exempt-Exempt) scheme wherein the deposit, the returns paid out, and the maturity value is all tax exempted.
Return Rate: Going by past performance, NPS has been providing 8.2 - 12.5% returns. Based on the type of NPS account, asset class and investment mode chosen, the returns can differ
Atal Pension Yojana (APY):-
Atal Pension Yojana is a pension fund scheme from the Government of India that offers guaranteed1 pensions to senior citizens depending on their contributions to the fund.Features and Benefits: Under this scheme, senior citizens can get a pension ranging from Rs. 1000 - 5000 per month. The Government also contributes an amount which is the lower amount of 50% of the subscriber’s contribution or Rs. 1000 per annum.Return Rate: Since the APY is a fixed income scheme with flat pension amounts, there is no interest rate applicable here.
National Savings Certificate (NSC):-NSC is a fixed savings scheme that the Indian Postal Service provides due to its vast network and wide presence.
Tax Benefits: The NSC purchase amount qualifies for tax exemption under Sec 80C, up to Rs. 1.5 Lakh per annum.Return Rate: The current rate of return for NSC is 7.7% per annum, payable at maturity.
Unit Linked Insurance Plan (ULIP):-
ULIP is an insurance plan that has a dual purpose. Apart from providing life cover, these plans invest in the market to generate higher returns.
Features and Benefits: When you pay the premium for a ULIP, you’re paying for two products. A portion of your premium goes towards your life cover, while the other portion is invested in equity, debt or hybrid funds.
Tax Benefits: There is a tax benefit under Sec 80C of up to Rs. 1.5 Lakh per annum paid as premium.
Keywords:
risk free investment,risk free investment with high returns,low risk investments for beginners,risk free high return investment in india,best tax free investments,top 3 tax free investments,safe investments,best low risk investments,high return investments,low risk high return investments,best risk free investment with high returns,Public provident fund,Atal pension Yojana,Sukanya samridhi yojana,National savings scheme,National pension scheme
Note:
These videos are only intended for informational purpose or educational purpose.Viewers are subjected to use this information on their own risk.Please contact experts before taking any decisions.
Disclaimer :
0:55 PPF
3:15 SSA
4:50 NPS
6:55 APY
8:25 NSC
9:45 ULIP
Public Provident Fund (PPF):-
Public Provident Fund is a long-term investment tool and is predominantly used as a retirement planning tool.
Features and Benefits: While the PPF provides steady rates to offset the overall inflation. It also allows partial withdrawals, and you can even take a loan against your PPF of 25% of your fund amount payable back within three years. The minimum tenure of PPF is 15 years and at least Rs. 500 need to be deposited each year to keep the account active.
Tax Benefits: The interest earned is not taxable, and the amount deposited each month is tax-deductible up to Rs. 1.5 Lakh per annumReturn Rate: The interest rate of a PPF account is presently 7.1%. This is regulated and announced directly by the Government and is fixed unless mentioned otherwise.
Sukanya Samriddhi Yojana Scheme (SSY):-Sukanya Samriddhi Yojana Scheme is targeted toward the education of young girls in India so they can have a secure future. Features and Benefits: SSY allows parents to open an account for 2 daughters with a 21-year tenor for each from the account opening date or until the girl gets married.
Deposit Limits: The range of deposits each year is Rs. 250 - Rs. 1.5 Lakh, and should be done for a period of 15 years.
Tax Benefits: The annual deposit is exempted from tax under Sec 80C, and so are the returns.Return Rate: The prevalent return rate of SSY is 8.1% per annum.
National Pension System (NPS):-
The Government has introduced NPS to encourage proper retirement planning by all individuals irrespective of whether they work in the public or private sector or are self-employed. It is like to a social security pension scheme
Features and Benefits:NPS has 2 types of accounts. Tier I is a primary account that offers tax breaks and includes restrictions on withdrawals and other T&C. Tier II is more liquid and has no deposit/withdrawal restrictions, and offers negligible tax benefits
Tax Benefits: NPS is known as an EEE (Exempt-Exempt-Exempt) scheme wherein the deposit, the returns paid out, and the maturity value is all tax exempted.
Return Rate: Going by past performance, NPS has been providing 8.2 - 12.5% returns. Based on the type of NPS account, asset class and investment mode chosen, the returns can differ
Atal Pension Yojana (APY):-
Atal Pension Yojana is a pension fund scheme from the Government of India that offers guaranteed1 pensions to senior citizens depending on their contributions to the fund.Features and Benefits: Under this scheme, senior citizens can get a pension ranging from Rs. 1000 - 5000 per month. The Government also contributes an amount which is the lower amount of 50% of the subscriber’s contribution or Rs. 1000 per annum.Return Rate: Since the APY is a fixed income scheme with flat pension amounts, there is no interest rate applicable here.
National Savings Certificate (NSC):-NSC is a fixed savings scheme that the Indian Postal Service provides due to its vast network and wide presence.
Tax Benefits: The NSC purchase amount qualifies for tax exemption under Sec 80C, up to Rs. 1.5 Lakh per annum.Return Rate: The current rate of return for NSC is 7.7% per annum, payable at maturity.
Unit Linked Insurance Plan (ULIP):-
ULIP is an insurance plan that has a dual purpose. Apart from providing life cover, these plans invest in the market to generate higher returns.
Features and Benefits: When you pay the premium for a ULIP, you’re paying for two products. A portion of your premium goes towards your life cover, while the other portion is invested in equity, debt or hybrid funds.
Tax Benefits: There is a tax benefit under Sec 80C of up to Rs. 1.5 Lakh per annum paid as premium.
Keywords:
risk free investment,risk free investment with high returns,low risk investments for beginners,risk free high return investment in india,best tax free investments,top 3 tax free investments,safe investments,best low risk investments,high return investments,low risk high return investments,best risk free investment with high returns,Public provident fund,Atal pension Yojana,Sukanya samridhi yojana,National savings scheme,National pension scheme
Note:
These videos are only intended for informational purpose or educational purpose.Viewers are subjected to use this information on their own risk.Please contact experts before taking any decisions.
Disclaimer :
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