NPS || National Pension System || Best Pension System ? || скачать в хорошем качестве

NPS || National Pension System || Best Pension System ? ||

NPS || National Pension System || Best Pension System ? || NPS || NATIONAL PENSION SYSTEM || BEST PENSION OPTION ? || 1. retirement planning, national pension system tax benefit 2. Pension Scheme launched by Government of India with the following objectives- -To provide old age income - Reasonable market based returns over long run - Extending old age security coverage to all citizens It is based on a unique Permanent Retirement Account Number (PRAN) which is allotted to each Subscriber upon joining NPS. National Pension System (NPS.national pension system india. 3. Cheapest market linked retirement plan. Excessively less payment of incentive/commission to the intermediaries, it is not getting promoted by them. What is National Pension Scheme?national pension system interest rate. 4. Only 0.25% of the investment is paid to the intermediary as fund management fee. Let us see how this cost is different from the costs of the other leading pension plans. Costs Involved in National Pension Scheme. national pension system nsdl 5. There are two types of accounts that NPS offers: Tier-I Account It is a basic pension account with limitations on withdrawal Tier-II Account It is a voluntary savings option from which a person can withdraw money limitless. Types of National Pension Schemes (NPS):national pension system central recordkeeping agency. 6. Types of Funds in National Pension Scheme Class of Fund Invested In Risk Average Return Since Launch (%) E Index based Stocks Carry market risk like any large cap equity fund 3.79% C Bonds issued by State Govt, PSUs and Private Firms Going by the quality of companies, risk would be low. 8.66% G Bonds issued by Central Govt. Lacks default risk but volatility can't be avoided in long term bonds. 5.92% Corpus can be divided among these three fund classes. Exposure to equity cannot be more than 50%. If allocation is not specified, the exposure to various classes, especially equity is decided on the basis of age. 7. So with increasing age the investment corpus gets more inclined towards Debt. According to the Age of the Investor Age of the Investor Percentage of Investment in Various Classes Up to 35 Years 50% Equity and 50% Debt 40 Years 40% Equity and 60% Debt 45 Years 30% Equity and 70% Debt 50 Years 20% Equity and 80% Debt 55 Years 10% Equity and 90% Debt 8. Pros and Cons of NPS Pros The Finance Bill 2011-12 permits tax deduction on contribution up to 10 per cent of basic salary and dearness allowance (DA) made by an employer towards the national pension scheme (NPS) account of an employee under Section 80CCE. 1. Additional Tax Benefit. 2. Higher Fee to Intermediaries: The fund management fee of 0.25 percent is nothing when compared to other products. 9. Cons Funds would be taxed at withdrawal. 60 per cent corpus on maturity can be withdrawn while at least 40 per cent has to be used to buy annuity. The proposed Direct Taxes Code (DTC) plans to exempt NPS funds from tax at withdrawal. However, it is uncertain if the DTC would allow tax exemption on returns from annuity plans as well. The tax at withdrawal stands in the way of making NPS the best pension scheme. 1. Tax on Maturity Proceeds: 10. Limitation on withdrawal from Tier-I account, the primary account for pension savings. On maturity also, one can withdraw only around 60 per cent funds; the rest has to be used to buy annuity, the returns from which are not tax exempted. 2. Mandatory Annuity: 13. THANKS FOR WATCHING 13 /learnandearnacademy.net Hi, I’m Learn & we are an Education & Motivational Website. Our goal is to learn and share the most important concepts for building soft skills and gaining knowledge that shape our life and work. Our mission is to empower and inspire people by spreading knowledge on various topics through Daily Video Uploads on our YouTube Channel. So what are you waiting for? Please subscribe to our blog and YouTube Channel to receive the entire upload first. If you have liked my video and it has added some value to your knowledge or skill please Like, Share, Support, and Subscribe to my channel and press the bell icon next to it so that you are the first to receive the next value addition to your personality. Website: https://learnearnacademyno1.blogspot.... https://learnearnacademy599038011.wor... Facebook:   / learnandearnacademy.net   Slide share: https://www.slideshare.net/LearnandEa... Pint rest:   / learnandearnacademy   Twitter:   / learnearnacadem   Google +: https://plus.google.com/u/1/114899164... Reddit :   / learnandearnacademy   LinkedIn:   / learn-and-earn-b0036716a