Sourav_Das
KF Rookie
I'm a 32 year 22K salaried govt. employee.
I can invest upto 2K in pension scheme please suggest best scheme for me.
I can invest upto 2K in pension scheme please suggest best scheme for me.
Best Pension Scheme in India?
- Thread starter Sourav_Das
- Start date
hitirfan
KF Mentor
Do u invest in NPS?
Sourav_Das
KF Rookie
No
Karunakara
KF Mentor
You may open NPS Tier 2 account online even if you have Tier 1 account, considering its tax free maturity benefits and annual Income Tax benefit of Rs 50,000.00. Now you may not be needing tax benefit but in future it may be useful
hitirfan
KF Mentor
I invest in NPS Tier II. I think it's good. Good returns. That also depends on the scheme u choose there. Do a little research on YouTube and choose scheme accordingly.
Sourav_Das
KF Rookie
Thank you sir
Skylar
KF Master
If your health is good and you can tolerate risk, consider investing ₹2,000 through a systematic investment plan (SIP) in mutual funds.
Skylar
KF Master
launchcraft
KF Mentor
I don't think investing in a pension scheme would be a good idea rather some liquid mutual funds which you can easily withdraw when you need it.
Or for the future purpose as well as for health perspective go ahead with health insurance as you are in your early 30s, the premium is very low as compared to the person in their late 30s. This can be a very good idea as you are a government employee which means regular income with extra benefits.
If you need any other help, drop a message.
For your question,
HDFC Life click 2 retire
Max Life Smart Guaranteed Pension Plan
HDFC Life Saral Pension
These seems to be good but please do your own research as the criteria for selecting might be different for the other person.
Or for the future purpose as well as for health perspective go ahead with health insurance as you are in your early 30s, the premium is very low as compared to the person in their late 30s. This can be a very good idea as you are a government employee which means regular income with extra benefits.
If you need any other help, drop a message.
For your question,
HDFC Life click 2 retire
Max Life Smart Guaranteed Pension Plan
HDFC Life Saral Pension
These seems to be good but please do your own research as the criteria for selecting might be different for the other person.
Last edited:
zacobite
KF Mentor
NPS.. PPF... in that order... PPF is not a pension scheme but good.. NPS is the primary option..
hitirfan
KF Mentor
I guess NPS is better than PPF
zacobite
KF Mentor
yes.. thts what i said too... not better but different.. ppf is a good combo to nps
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