Skip to content
Brand Logo
  1. Home
  2. Investment
  3. Govt Schemes

Govt Schemes

44 Topics 94 Posts

Subcategories

  • 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?

  • 6 Topics
    12 Posts
    S

    Think of it as two different buckets: jewelry for sentiment and SGBs for growth. You can’t replace an heirloom, so keep those as they are. But for purely growing your money, SGBs are much smarter — they’re tax-efficient and pay you interest. It’s basically about honoring your family’s history while ensuring that your future self is taken care of. Keep the "gold for wearing" separate from your "gold for investing," and you’ll be set.

  • 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?