look news india
At present we do not want to be financially dependent on anyone. In such a situation, to keep ourselves financially strong, we take care of many things along with saving.
But, many times we become worried about life after retirement. Even after retirement, we want to have some income in the form of salary every month.
There are many schemes available in the market to continue earning income even after retirement. By investing in these schemes you can make your future secure and independent.
Today we will tell you about 5 such schemes which will help in securing your future.
National Pension System (NPS)
After retirement, if you want to continue getting pension benefits every month, then you can choose National Pension System (NPS). You have to invest in this scheme and after 60 years, you get 60 percent of the amount from the NPS fund as lump sum and 40 percent as pension.
Earlier only government employees used to get the benefit of this scheme, but now private employees also get its benefit.
public provident fund
Public Provident Fund (PPF) is a government savings scheme. Guaranteed returns are available in this. This means that the amount invested in it is completely safe. You can also invest in this scheme for your retirement.
Investment in PPF has to be made for 15 years. You have to invest a minimum of Rs 500 and a maximum of Rs 1.5 lakh in a financial year. In this scheme, the benefit of tax benefit is also available on the investment amount.
mutual fund
Mutual funds have become a very good investment option. At present people are liking this fund a lot. You can invest in this fund for long term. If you invest for 3 years or more, you will get returns of more than 12 percent.
Let us tell you that while investing in mutual funds, you have to keep all these things in mind. There are also market risks in this, so you should invest in it only after thinking.
Bank deposit
Bank is a very good option to save money. If you want, you can invest in bank FD or RD. In this scheme, you get more benefits than the interest rate you get on your savings account. Special FD scheme is also run in many banks. You can compare the schemes and invest in the scheme which is getting higher returns.
Atal Pension Yojana
The government has started Atal Pension Yojana for the middle class and poor class. Any person between 18 to 40 years of age can invest in this scheme. When the scheme matures i.e. the investor turns 60 years old, he gets a monthly pension of Rs 1,000 to Rs 5,000.
