Arre ghanta, another gobarmint employee tries to mislead others.

Software Engineer

L article, factually incorrect opinion, author is absolute clown librandu.

Backend Engineer

Hmm factually it's true ... 
 Income earned over lifetime is pension deducted of a govt employee  
 Moreover when you become a pensioner you again have to pay income tax on it 🤣

Sales Leader

Welcome to News Discussion's Private Community

Pension is my earned money, 
not from tax kitty

Pension is my earned money, not from tax kitty

Old Pension Scheme isn't funded by Taxpayers

Actuarial Associate

Old Pension Scheme isn't funded by Taxpayers- Grapevine

Welcome to Personal Finance's Private Community

I personally see it as game changer in how invest in FDs.

Any comments or thoughts or guidance would be highly appreciated.

Is Stable money a stable choice ?

Thank me later

Senior Consultant

Welcome to Office Gossip's Private Community

Hey everyone, 

Thought of creating a daily post where we all can hang around and talk just about anything - without having a specific topic to discuss. 
Think of this like the Watercooler at your office. 

Look forward to hearing from y'all :)

Daily Watercooler (13th June)

The hiring scene is so bad RN man, and why tf every company I get offer to seems toxic af as per the current and ex employees. So tough to find the right ones

Product Manager

Founder

An extra drop of tax benefit from already squeezed salaried lemons.

Consider investing in NPS and taking the tax benefit (however locking money until 60 atleast) vs investing in mutual funds.

Please share your thoughts if its worth the tax benefit.

Any opinions about if one should invest in NPS or not.

Equity Research

Money is everything?

Isro pays 60k-95k to fresher engineers... Still IITians are not joining.

Slogging for Western Mnc is the only desire of IITians?

Comments and solutions??

https://www.businesstoday.in/latest/story/iitians-not-joining-isro-60-students-walked-out-of-recruitment-drive-after-seeing-pay-structure-s-somanath-401614-2023-10-11

IITians not ready to work at ISRO at 5digit monthly salary.

Everything is so expensive right now. Is it wrong to think about financial stability.

Product Designer

Welcome to IT Company Discussion's Private Community

I'm all fine with Unified Pension Scheme but only problem is why there is no such scheme for private sector employees?

Recession and layoffs are frequent, you may be paying lakhs in income tax today but can be jobless next day. Neither your company nor Govt will take care of you.

There may be loans, EMI and all, you can't send your kids to Govt schools or use Govt hospitals because of their poor conditions. Basically Govt will take 1/3rd salary in your good days, but let you live on road in bad days.

Situation of Pvt Sector employees same Iike Hindus in Bangladesh

Unified Pension scheme

Hi, I am thinking of buying a pension plan through which  I could get a good fixed monthly income after I retire ( let's assume 60 years). I am currently 32 year old and looking to invest around 20k per month. I am currently working with a startup.I first thought about NPS and also some plans on Policybazar. I founds that plans mentioned on Policybazar like Tata AIA life insurance capital guarantee solution can offer upto 6.5L/month tax free income after I turn 60 with just 20K investment per month for next 12 years. Where as if I invest 20 k per month in NPS till i turn 60 I will only get 1.8 lakhs per month

I want to understand
1. Why is there such a huge gap in the return amount between NPS and retirement plans available on policybazar
2. How to select the best retirement plan
3. What are the top pension plans available in the market currently
4. Any other better way to plan retirement

Suggest best pension plan to invest in

Sales Manager

I'm thinking to increase my EPF contribution to the max which is 12% of basic and also thinking to start NPS investment. 

since I am just starting out in personal investment domain. I do not possess much knowledge and have been seeing people here helping others.

My question is should I increase the EPF contribution and start NPS or should I invest in public funds after thorough study? 

The first one are from the govt so seems safe to me. Again I'm not fully aware about investment.

Thank you in advance for everyone who'll pitch in their opinion!

EPF, NPS are good for long term?

Folks, this is for my parents. Let’s suppose we have huge amount in FD, and want to divert some portion of that to any place other than FD, from Tax saving perspective, what is the Best avenue? Please note that it is hard earned retirement money, risk appetite will be a moderate. What all are best lump-sum investment ways? Index Funds? Actively managed Mutual Funds? Anything else?

Best place to park 25 lakhs for Pensioned Employee?

I've been trying to login to the NPS portal via both web and mobile app to contribute to save taxes, but this is really the most pathetic portal I've ever seen.

On the web app it says 'Entered and Computed Captcha incorrect' god-damn everytime.

On the mobile app, the payment screen doesn't load.

How are you guys contributing to NPS? Is there any other way apart from the portal? 

One of my friends does contribute to it via ET Money. But I'm not sure if it's safe to do via a private company. What if ET Money dissolves? Does my money get affected too?

 Interested to know what you guys are doing.

NPS portal not working

Digital Marketing Manager

This comparison is going viral, surprised to see our biggest AMC is just 1% of American AMC. To me, they are too big and can literally direct the world markets.

$$ Uncle Sam $$

Hey folks,
I opted for the new tax regime when my CTC hardly touched the tax bracket. 
Now I earn 22LPA and my heart almost collapes after seeing the tax paid. 
2 ques: 
-Is it possible to move to the old scheme to save taxes?
- Given my salary, what are the best avenues to save tax?
Thanks 🙏

Old Pension Scheme isn't funded by Taxpayers

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