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Govt Schemes

45 Topics 95 Posts

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  • 5 Topics
    15 Posts
    S

    It's easy to get distracted by new rules, but 80C is still very much alive for FY2025-26. PPF is still a "must-have" for most people because the returns are tax-free, though it’s definitely a long-term play. Gold ETFs are a great way to spice up the portfolio, especially after the year they just had, but watch out for that 12.5% tax. If I were you, I'd stick with PPF as the foundation and use a little bit of gold as an inflation hedge. It provides a nice mix of safety and growth.

  • 10 Topics
    21 Posts
    A

    Since the NPS allows me to switch schemes twice a year for free, why wait 15 years? Is it advisable to use Tier II for tactical investments while reserving Tier I specifically for the 80CCD tax advantages? Is that the best way to avoid being locked in?

  • 7 Topics
    13 Posts
    T

    Should I consider SGBs for their 2.5% annual interest and tax-free returns after 8 years? They are traded on exchanges and provide more value than jewelry. However, I would have to lock in my money for five years. Am I comfortable putting my funds away for that long in case of family emergencies?

  • 5 Topics
    16 Posts
    S

    @Arya That's a great strategy. Combining an FD ladder with ultra-short funds offers a strategic safeguard against interest rate declines while ensuring that you retain liquidity. Investing provides better returns than just saving and offers peace of mind. It’s low maintenance but high impact.

  • 17 Topics
    27 Posts
    L

    Should I double-check if that "59 minutes" is only for in-principle approval, since actual disbursement can take a week? My bank says rates range from 8.5% to 21%. Should I ask for my exact rate before applying?