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Govt Schemes

22 Topics 48 Posts

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  • 2 Topics
    7 Posts
    R

    As an NRI, you can not open a new PPF account. But if you had already opened your PPF account when you were an Indian resident, you can continue investing in it until its maturity. You can deposit up to ₹1.5 lakh per year, and withdrawals are allowed as per PPF rules.
    And once your PPF account completes 15 years, you cannot extend it further. Extensions beyond 15 years are not allowed for NRIs.

  • 7 Topics
    14 Posts
    R

    For NPS retirement, invest in equity funds early for growth, then switch to debt funds in your late 40s for safety. PPF's 80C benefit is gone in the new tax regime. Your best option depends on your goals and risk appetite.

  • 3 Topics
    6 Posts
    S

    The gold and silver market is very volatile, so diversifying bonds is a very good idea for risk reduction, but over-diversifying can reduce fixed income stability and will increase complexity. Before investing, keep these things in mind:

    Bonds offer a fixed interest rate, but gold and silver won't (unless you invest in SGBs).

    Gold is still a safe option, but silver's price fluctuates a lot because of industrial demands. This all will create more price fluctuations in your overall portfolio.

    When you sell gold and silver, there is a capital gains tax, which is different from the bond taxation system.

    If your primary goal is stability and income, then you should rethink investing this much in gold and silver. I suggest you invest in Sovereign Gold Bonds (SGBs) as they are more tax-efficient.

  • 4 Topics
    8 Posts
    R

    Yes, through RBI Retail Direct and NSE goBID, you can directly invest in Treasury Bills. These platforms are very easy to use, and you can access them online. The minimum investment amount is ₹10,000.

  • 5 Topics
    10 Posts
    S

    It gives you a ₹5K pension definitely after you cross 60. It gives you fixed returns, which makes it a suitable option for low-income and unorganized sector workers. It is a government-backed scheme, so it is safe to invest in APY.