Retirement Tips: To make old age secure, you can invest in many different schemes run by the government. Let us know the details of all these.
Retirement Investment Tips: After retirement, every person wants to spend his life comfortably. In such a situation, it is very important to invest in the right scheme during the job and after retirement. The government gives many options to give financial security to the people. Today we are going to tell you about such a scheme, by investing in which you get the facility of pension benefit or guaranteed return. In these schemes, you will get the benefit of strong returns along with risk free. Let us know about these schemes-
1. National Pension Scheme (NPS)
National Pension Scheme is a guaranteed pension scheme, by investing in which you will get a strong pension fund on retirement as well as pension facility every month. Under this scheme, you get the facility to open two types of accounts, NPS Tier-1 and NPS Tier-2 (NPS). You can invest Rs 500 in NPS Tier and Rs 1,000 in Tier-II. The special thing about NPS is that you get 60% as retirement fund and 40% as pension.
2. Atal Pension Yojana
The government-run scheme Atal Pension Yojana is the best investment scheme for retirement. In this scheme, you can get strong returns by investing a small amount every month.
People aged 18 to 40 can invest in this scheme. Depending on your total deposit amount, you can invest Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000 and Rs 5,000. If you want to get a pension of Rs 5,000 after the age of 60, then from the age of 18 you will have to deposit Rs 210 every month. At the same time, Rs 42 will have to be paid for a pension of Rs 1,000, Rs 126 for a pension of Rs 2,000 and Rs 168 for a pension of Rs 4,000.
3. Post Office Monthly Income Scheme
Recently, the government has increased the interest rates of many of its savings schemes. It also includes the interest rate of Post Office Monthly Income Scheme. After the increase in interest rates, you are getting 7.4 percent return on this scheme. In this scheme, now any person can invest Rs 9 lakh in a single account and Rs 15 lakh in a joint account.
4. Senior Citizen Savings Scheme
If you want to invest your retirement fund in a scheme, then you can invest in the Senior Citizen Savings Scheme run by the government. Investors can make a maximum investment of Rs 1,000 to Rs 30 lakh in this scheme. By investing in this scheme, you get Rs 1.5 lakh under Section 80C of Income Tax.
