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Govt Schemes

12 Topics 23 Posts

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  • 2 Topics
    6 Posts
    P

    Hi,
    I opened an account in PPF when I was an Indian resident, but now I live in a foreign country and I am an NRI. Am I eligible for open or continue investing in a PPF account?

  • 3 Topics
    5 Posts
    R

    It’s smart to look at this given how things are moving in India. Gold ETFs are super convenient and flexible, but they don't give you those 80C tax benefits. If you’re moving away from things like PPF, reassessing is a good move. Just remember:

    Gold provides immediate liquidity and favorable returns. Long-term debt funds provide better tax efficiency. Debt funds are generally safer for long-term investments. Choose based on immediate needs versus long-term goals.

  • 3 Topics
    5 Posts
    A

    I’ve already invested a huge chunk — about 40% — in Gold ETFs. Before I move to Sovereign Gold Bonds, I probably need to see if that fits my long-term plan. Would the tax perks of SGBs really outweigh the fact that I can’t sell them as easily?

  • 1 Topics
    2 Posts
    R

    With the increase in the repo rate, there will eventually be an increase in T-bill yields. With this, investors get higher returns on investments. So its very important to consider the general economic situation and future interest rates in the coming years. The interest rate will continue to rise in the future. So locking in your investment is a good move.

  • 2 Topics
    2 Posts
    S

    I’m reviewing my retirement plan and wondering if the Atal Pension Yojana is still worth it. With prices rising so quickly, will a fixed ₹5,000 pension even be enough to buy groceries in 20 years? Would I be better off investing that money in something like the NPS, where it can actually grow, even if there’s no 'guarantee'?