Best Investment Plan For Monthly Income | NO Risk Government Investment Schemes | Risk Free Schemes

Best Investment Plan For Monthly Income | NO Risk Government Investment Schemes | Risk Free Schemes

Welcome to Josh Money!

In this video of Josh Money, Vidushi Chhabra is talking about Top 5 Government Investment Schemes.
In this video, we have discussed about those government schemes which gave us Best Returns with Low Risk.

First Scheme, we discussed about Sovereign Gold Bonds. Sovereign Gold Bonds (SGBs) are the perfect alternative to investment in physical gold. With these bonds, you can enjoy capital appreciation and also earn interest every year. These bonds, issued by the Government of India, also eliminate several risks associated with physical gold.SGBs, government securities denominated in grams of gold, are substitutes for holding physical gold. Investors have to pay the issue price in cash and the bonds will be redeemed in cash on maturity. The bonds are issued by the RBI on behalf of the government.

SGB is a favored route for the government to convert all gold investments into a digital mode, it will help keep the deficit under control, and provide support to the currency.
Next scheme which we discussed is, NPS or National Pension Scheme. National Pension Scheme (NPS) India is a voluntary and long-term investment plan for retirement under the purview of the Pension Fund Regulatory and Development Authority (PFRDA) and Central Government. The scheme encourages people to invest in a pension account at regular intervals during the course of their employment. After retirement, the subscribers can take out a certain percentage of the corpus. As an NPS account holder, you will receive the remaining amount as a monthly pension post your retirement.

Earlier, the NPS scheme covered only the Central Government employees. Now, however, the PFRDA has made it open to all Indian citizens on a voluntary basis.
Next Scheme is, Post Office Monthly Income Scheme or MIS Scheme.
Post Office Monthly Income Scheme (POMIS) is one of the most popular risk-free post office saving schemes where an investor can invest with a minimum deposit of ₹1,000. Middle and low income group investors can look at this Post Office MIS scheme as tax-saving option as well because one can claim income tax exemption under Section 80C of the Income Tax Act on one's investment in this scheme. It has a lock-in period of 5 years and Post Office Monthly Income Scheme interest rate will remain unchanged throughout the investment period. Means, return on Post Office Monthly Income Scheme is guaranteed and an investor would get return on one's money as per the Post Office Monthly Income Scheme interest rate at the time of investment.
Next Scheme is, PPF or Public Provident Fund.

Public Provident Fund (PPF) scheme is a long term investment option that offers an attractive rate of interest and returns on the amount invested. The interest earned and the returns are not taxable under Income Tax. One has to open a PPF account under this scheme and the amount deposited during a year will be claimed under section 80C deductions.
Last scheme which we discussed is, NSC or National Savings Certificate.
The National Savings Certificate (NSC) is a fixed income investment scheme that you can open with any post office branch. The scheme is a Government of India initiative. It is a savings bond that encourages subscribers – mainly small to mid-income investors – to invest while saving on income tax.

A fixed-income instrument like Public Provident Fund and Post Office FDs, this scheme too is a low-risk fixed-income product. You can buy it from the nearest post office in your name, for a minor or with another adult as a joint account. NSC comes with a fixed maturity period of five years. There is no maximum limit on the purchase of NSCs, but only investments of up to Rs.1.5 lakh can earn you a tax break under Section 80C of the Income Tax Act. The certificates earn a fixed interest, which is currently at a rate of 6.8% per annum. The interest rate is revised on a regular basis by the government.

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Top 5 Government Investment Schemes with 0% Risk | Risk Free Investment | Safe Schemes | Josh Money

#MonthlyIncome #GovernmentSchemes #JoshMoney

[NicholasBall]

I admire your dedication to educating your audience. We all aim for financial stability and a better life. Achieving this is possible through wise investments, frugal living, and careful budgeting. I'm grateful that I learned the importance of working hard for financial freedom at a young age.

[jackwillison]

I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.

[mdsameer]

1) National Pension scheme-Old age pension-10-15% returns, Tax rebate -₹260000/-
2) Sovereign Gold bonds-RBI Goi
3) Post office Monthly income scheme - Post office MIS
4) National saving certificate -Post office
5) PPF public provident fund

[surendrasodhani]

They don’t give fixed returns & also return is not 10-12 %.
Give proper guidance to people.

[sibasishmishra]

Insab me koi bhi scheme mein 10-12% nahi hai jaisa video thumbnail mein dikhaya gaya hai

[laxmiprasad]

NPS me 10-15% nahi milta.
Currently 7-8 mil raha hai

[virtgfm]

I wouldn't want to invest in any government schemes at this point because almost all government sectors are doomed right now and putting money in them would mean loss in the long run. For example, I put my money in post office at 7.2% return rate. I thought it is more than sufficient. Now you can check inflation rate. It 7% something. What is the point if the economy is going to be so weak?

[ramby-wf]

Is there any sites which gives you money just by watching videos???
Plz answer my question

[jijugokul]

NPS (tax benefit)
SG Bonds
Post office MIS
NSC accounts in post office
PPF (risk and tax free)

[cosmopolitan]

Investment in NPS is always at the mercy of share market. After recovery from covid period, this market has swallowed more than 20% of our Investment.

[CAANILNEGI]

I am investing in NPS since last six year and got average return only 8% that is too because of boom in stock market which gives more than 100% return during 2020 (from 7500/- to 18000/-)
Average return in normal period will be hardly 6-7% and not 12-15%

[feodtmr]

Kya aisa koi option nahi hein ki TDS bank Wale deduct Naa karke saal ke ant mein ham IT return bhare tab jitna TAX Banta hein utna hi bhare ? Chahe interest income kitni bhi kyu naa ho.

[RD-ijsz]

NPS returns are variable depending upon the investment mix you choose and stock market movement.

[kalisingh]

आप सब से निवेदन है के कर्नाटक जीत से खुश मत हों 2024 का चुनाव जीतने के लिए बीजेपी ने कर्नाटक हारा है सिर्फ़ और सिर्फ़ ईवीएम कि विश्वसनीयता बनाने के लिए ताकि देश और दुनिया ये समझे के ईवीएम में हेराफेरी नहीं हो सकती वर्ना कर्नाटक जैसे हार गए असली खेल 2024 में खेला जाएगा इसलिए 2024 का चुनाव किसी भी क़ीमत पर ईवीएम से नहीं होना चाहिए वरना देश को बर्बाद होने से कोई नहीं रोक सकता

[gauravgdt]

You can add Atal Pension Yojana for those below 40 years as an additional scheme..

[seemagrover]

Talk about 60 plus non government employees specially wanting monthly income please

[manishaggarwal]

kvp ka naam nahi aaya vo bhi best hai
10 saal me paise double vo bhi bilkul safe post office k bharose k sath

[diliptiwari]

Inflation is 7℅ currently... Your suggested
Investment return is 6 to 7 ℅... So not well investment.. Just eating your money
Best investment for long term is only equity mutual fund..

[ramprakashrawat]

आपने Shot मे बताया है, कृपया विस्तार से समझाए। मै 60 मे रिटायर 2022 मार्च मे हुआ था, एक साल हो जाने पर भी कुछ समझ नही पाया हू। कृपया मेरा मार्गदर्शन करने की कृपा करे। धन्यवाद

[jitendrakumarkhare]

If you realy wants to invest than only PPF & NPS are goodone. Remaining all are not profitable.. it won't beat inflatation or it is just at par, finally your money will get reduce off course it 100% safe.