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Govt Schemes

7 Topics 13 Posts

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  • 1 Topics
    3 Posts
    R

    It’s great and important to diversify your investment for retirement. You can consider:

    PPF: gives you guaranteed returns and helps you in tax benefits. Debt Funds: considered as low-risk funds, gives you a steady return. ELSS Mutual Funds: gives you a tax rebate with a potential growth rate.

    If you are still not able to understand, it’s better to consult a financial advisor for a personalized plan.

  • 2 Topics
    4 Posts
    R

    NPS continues to provide essential tax benefits, particularly under Section 80CCD(1B), which offers further tax deductions, but the new system has lessened its tax-savings advantage.

    Mutual funds provide flexibility and the possibility of higher returns, but NPS offers a systematic plan for retirement savings with tax benefits.

    Keeping some investments in NPS is worth it if retirement tax-saving is your priority. Otherwise mutual funds offer more returns and liquidity.

  • 1 Topics
    2 Posts
    R

    For so many, SGBs have proven to be a beneficial investments. This is a long run investment, and they give a consistent return and good protection against inflation. You can combine SGBs as a part of a diversified portfolio.

    I have not invested in SGBs yet, but I would invest a moderate portion, around 10% of my investment portfolio.

  • 2 Topics
    3 Posts
    M

    FDs provide 6–7% annual interest rates, and T-bills currently offer 6.9% for 364-day tenors. i know T-bills are government-backed, so are they a better choice for temporary investments than FDs?

  • 0 Topics
    0 Posts
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