NPS vs Mutual Funds: रिटायरमेंट प्लानिंग के लिए कौन सा रहेगा ज्यादा फायदेमंद?

रिटायरमेंट के बाद की बेहतर जिंदगी के लिए इंडिया में कई सारे निवेश के विकल्प मौजूद हैं जिनमें NPS और Mutual Funds SIP सबसे फायदेमंद हैं।

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यह जनवरी 2004 में चालू की गई भारत सरकार की एक योजना है जिसे रिटायरमेंट के बाद पेंशन मुहैया कराने के लिए डिजाइन किया है। इसका फायदा भारत का भी कोई नागरिक उठा सकता है।

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म्यूचुअल फंड एक मॉडर्न निवेश स्कीम है जिसमे इक्विटी, कमोडिटी और डेट फंड में निवेश करके ज्यादा रिटर्न हासिल करने को कोशिश की जाती है। ऐतिहासिक रिकॉर्ड देखने पर इसने निवेशकों को शानदार रिटर्न दिया है। इसमें सिर्फ ₹100 से भी SIP निवेश शुरू कर सकते हैं।

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आगे की स्लाइड में हम 5 जरूरी पॉइंट्स पर तुलना करके बता रहे कि आपको अपनी रिटायरमेंट के लिए किसको चुनना चाहिए, किसमें मिलेगा आपको ज्यादा पेंशन।

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NPS: 9-12% वार्षिक कंपाउंडिंग रिटर्न Mutual Funds: सालाना 12-20% तक का कंपाउंडिंग रिटर्न

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NPS: ज्यादा सुरक्षित Mutual Funds: ज्यादा रिस्क, ज्यादा रिटर्न

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NPS: पूरे 60 साल Mutual Funds: कोई लॉक इन पीरियड नहीं है। केवल ELSS टैक्स सेविंग स्कीम में 3 साल।

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अगली स्लाइड में जाने से पहले हमे WhatsApp पर फॉलो कर लीजिये!

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NPS: इसमें केवल कुछ परिस्थितियों में विड्रॉल संभव होता है। Mutual Funds: ELSS फंड्स को छोड़कर कभी भी पैसे निकाल सकते हैं।

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NPS: ₹500 (Tier 1), ₹1,000 (Tier 2) Mutual Funds: सिर्फ ₹100 से SIP कर सकते हैं।

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NPS: अधिकतम लार्ज कैप कंपनी और सेफ इंस्ट्रूमेंट में Mutual Funds: इक्विटी मार्केट (लार्ज, मिड, स्मॉल कंपनी में), डेट मार्केट, कमोडिटी मार्केट

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NPS: 0.09% अधिकतम Mutual Funds: 0.45-2.5% (डायरेक्ट), 0.03-1% (पैसिव)

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जहां NPS रिटर्न के मामले ज्यादा सुरक्षा, और टैक्स बेनिफिट देता है वहीं म्यूचुअल फंड उम्मीद से कहीं ज्यादा रिटर्न प्रदान कर सकता है। हालांकि Mutual Funds में NPS के मुकाबले रिस्क ज्यादा है। यदि आप उतार-चढ़ाव और थोड़ा रिस्क सहन कर सकते हैं तो MF SIP एक अच्छा विकल्प हो सकता हैं।

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म्यूचुअल फंड ने किया कमाल, 1 लाख के बना दिए 65.4 लाख रुपए

पढ़ें और जानें

NPS vs Mutual Funds: रिटायरमेंट प्लानिंग के लिए कौन सा रहेगा ज्यादा फायदेमंद?

उपलब्ध हैं निवेश के कई विकल्प

क्या है नेशनल पेंशन सिस्टम?

क्या है म्यूचुअल फंड प्लान?

आपके लिए कौन सा बेहतर रहेगा, NPS या MF?

NPS: 9-12% वार्षिक कंपाउंडिंग रिटर्न Mutual Funds: सालाना 12-20% तक का कंपाउंडिंग रिटर्न

लॉन्ग टर्म में कौन देगा अधिक रिटर्न?

NPS: ज्यादा सुरक्षित Mutual Funds: ज्यादा रिस्क, ज्यादा रिटर्न

जोखिम (Risk):

NPS: पूरे 60 साल Mutual Funds: कोई लॉक इन पीरियड नहीं है। केवल ELSS टैक्स सेविंग स्कीम में 3 साल।

लॉक-इन पीरियड:

अगली स्लाइड में जाने से पहले हमे WhatsApp पर फॉलो कर लीजिये!

NPS: इसमें केवल कुछ परिस्थितियों में विड्रॉल संभव होता है। Mutual Funds: ELSS फंड्स को छोड़कर कभी भी पैसे निकाल सकते हैं।

लिक्विडिटी:

NPS: ₹500 (Tier 1), ₹1,000 (Tier 2) Mutual Funds: सिर्फ ₹100 से SIP कर सकते हैं।

न्यूनतम निवेश:

आपका पैसा कहां निवेश किया जाता है?

NPS: 0.09% अधिकतम Mutual Funds: 0.45-2.5% (डायरेक्ट), 0.03-1% (पैसिव)

एक्सपेंस रेश्यो / शुल्क

हम क्या सोचते हैं? (यह हमारा सलाह नहीं है)

म्यूचुअल फंड ने किया कमाल, 1 लाख के बना दिए 65.4 लाख रुपए