Top 3 Pension Plans in India (2024) | Best Pension Plan with Returns Calculator |Every Paisa Matters

Рет қаралды 60,117

Күн бұрын

Which Pension Plan should you invest your money in 2024? Lets compare the Annuity Plans of 7 different life insurance companies in 2 different categories comparing a total of 26 pension plans.
I have also calculated the returns of these Insurance based Annuity plans which will give you better idea on how much pension you will get and what will be the overall returns?
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Пікірлер: 130

@EveryPaisaMatters 7 ай бұрын

✅ Consider Subscribing If you liked this video - bit.ly/EPMsub

@lohitlala1798 6 ай бұрын

Not enough value to subscribe

@janelopezhennadez9767 3 ай бұрын

I am in my mid 40s, haven't begun my retirement plan and want my financial portfolio to be set to where I no longer have to worry about having enough financially. I am looking for your help please.

@arthurhughes6232 2 ай бұрын

You don't really need much help, all you need is the assistance of a financial advisor.

@rawlingraw 2 ай бұрын

@@arthurhughes6232 I totally agree with you. Get yourself a good financial manager and that is it, you are good to go.

@jordynbaker2537 2 ай бұрын

If you are looking to begin your retirement, we have the best recommendation for you. Same one we used in setting up our retirement account.

@jordynbaker2537 2 ай бұрын

Her name is *Leticia Zavala Perkins* .

@FloraGEvans 2 ай бұрын

Please what more can you tell me about the financial manager Leticia Zavala Perkins, I would like to know more about her.

@deepakbhatt3883 7 ай бұрын

Very helpfull thanks alot sir❤

@pankajchhipa5656 7 ай бұрын

Sir, Everyone required genuine advise....Thank you so much....

@insuranceTechAtoZ 7 ай бұрын

Great sir thnxx

@sudhirsinha4548 4 ай бұрын

Thanks for the excellent presentation. Kindly prepare a video on canara HSBC smart pension plan with immediate anuity and deferred anuity.

@MrMontu1979 5 ай бұрын

I recently started watching your videos and liked it very much. These comparison type videos are helpful. Do you have any video on HDFC Life Sampoorna Jeevan?

@Tapchak3112 Ай бұрын

Brilliant . Very helpful

@raghavenderkandi 6 ай бұрын

do we have any annuity plans which match inflation instead of fixed amount like actual government pension.

@bgsaigal 7 ай бұрын

Thank you for the knowledge share and the effort you put into making these videos. I need, one clarity, what is the guarantee that the companies won't default in paying the committed amount? I am asking this because like for Banks, only 5 lacs of your deposited amount is secured in case the bank goes into bankruptcy, similar thing could happen to Insurance companies as well, isn't it? You may advise going to court, but we know how much time Indian courts take and above all the persons opting for these schemes would be Senior Citizens.

@SijuMarkose 3 ай бұрын

Great comparison But the fact is that one does not need any pension plan if they know how to handle money. Invest in property, FD, best health insurance for your treatment, travel schemes etc

@HemantP2512 3 ай бұрын

Nice comparison 🎉

@RVS_MAS 22 күн бұрын

Nice work..lot of details

@manojjha16 6 ай бұрын

Very nice video

@arunmehrotra6520 7 ай бұрын

Honest review 👌👌

@sridharraokokkirala1953 4 ай бұрын

Excellent Information, Thank you very much for a detailed explanation on Pension. Plans, Sir Please forward or make Comparison video on Various Health Insurance:- family Floater plans Please explain regarding Main policy, top up policy, Premium rates. Amount allotted for various diseases.

@amitabhbanerji7256 7 ай бұрын

Excellent review and lucid comparision of all pension plans. ❤ In the immediate annuity plan, approx. how much pension amount will increase if starting age is 65 or 70?

@ViralDave_26 7 ай бұрын

You have really championed the Pension plan details and more importantly how you present it , this presenting method really makes difference in people's lives. I am highly obliged as I followed you and secured my retirement portion with Annuity -- Kudos to you. It is not wise to compare against other schemes , people need to understand what is the fundamental of pension/annuity is , it is guaranteed amount . To make it very simple this is the only contract document with a company where amount in Indian rupees is clearly written that this much amount one is going to get. I am writing this specifically as I see several comments on percentage return. It clearly says it is 100% guaranteed return with specified amount. only pitfall is if Govt. goes default then you are doomed.

@EveryPaisaMatters 7 ай бұрын

Many thanks for sharing your thoughts in this long post. Its comments like these that motivate me to make such informative videos 🙏

@ViralDave_26 7 ай бұрын

@@EveryPaisaMatters - I would suggest you emphasise on key word like amount written in contract versus market driven percentage return that clearly establishes a thought of stability in people's mind. I believe that is the key

@EveryPaisaMatters 7 ай бұрын

Noted

@mamatha_u 7 ай бұрын

Explain about kotaklife, pension plan comparing other lic pension plan

@sridharraokokkirala1953 4 ай бұрын

Sir Please Compare and explain all options return calculation in MS Excel sheet for lic jeevan shanti vs jeevan dhara2 vs jeevan utsav.Thank you. With regards Sridhar.

@hirenanayak752 3 ай бұрын

❤ thanks a lots

@harindersingh7336 3 ай бұрын

Thanks Sir

@mangesh2370 7 ай бұрын

waiting for this video...

@sandeep106625 7 ай бұрын

You are intelligent 👌👌🙏

@100rabh_inamdar Ай бұрын

Sir in this pension plan I can surrender policy and get the rate of purchase amount back after certain years ??

@kuldeepsinghsolanki6809 2 ай бұрын

Unit link( ulip) policy ke pension plan par video banaye sir

@tejasjoshi9596 6 ай бұрын

Sir kotak me pention policy me 15 year 1 lac bharna he 16 years se 240000 milenge pahle husband ko bad me wife ko fir dono ke bad uska son ko life time milega ,kya karna chahiye pls ans me🙏

@younme1567 6 ай бұрын

I am in merchant navy and I have NRE account but I am resident of india. Can I buy pension policies and will I get taxed on the pension received. Kindly advise.

@Shanshine18 6 ай бұрын

Also please if you can create some videos for NRI investments...That would help Thank you:)

@AmarBanglaFacts 6 ай бұрын

Sir, We are waiting for your video on LIC JEEVAN DHARA II

@sachinsaxena5877 7 ай бұрын

Is there any private product in market which does not offer Return of Corpus post death?

@SandipanBhattacharya-rp3dg 3 ай бұрын

Excellent ppt

@deepakbhatt3883 7 ай бұрын

Hello sir last 4 months back main same amt k liye kuch above 6 lacs annuity amount ah raha tha now its coming around 3 lacs pls sir can you check and let us know

@suchitakothe5764 2 ай бұрын

thankyou sir

@sudakarsp8858 6 ай бұрын

Super

@anandsinghchouhan3959 24 күн бұрын

Sir kuch plan me equity exposure ke liye choice milta hai

@sachinsaxena5877 7 ай бұрын

Mr. Amit, can you please add Tata AIA Life Guaranteed Return Insurance Plan (110N152V07) to your comparison?

@pchako 7 ай бұрын

Simply superb with detailed analysis. The public is flooded with various pension/annuity scheme options, and one is confused which is best. ABSL Guaranteed Annuity Plus with return of Premium is also a good pension scheme which may be discussed/compared in future videos. Thanks.

@EveryPaisaMatters 7 ай бұрын

Noted.

@rudhrasuryaansh5276 4 ай бұрын

Normal bande k liya b pension plan btao. 50 lac mera pass hota to muja kaam karna ki kya jarurat the

@sano1789 6 ай бұрын

Pls make a comparison video of LIC Jeevan Dhara-II & LIC Jeevan shanti

@tanayazad3466 4 ай бұрын

Can you do a video on pension plans where I will have to pay SIP monthly instead of one time?

@malabikajena1537 4 ай бұрын

My age is 43 yrs. I work in private sector and after age 60 years .... ??? Please compare SBI SMART PLATINA PLUS and ICICI PRU GUARANTEED PENSION PLAN

@sunilramanuj5250 5 ай бұрын

Monthly pension is change then yearly pesnion????

@ysd01475 5 ай бұрын

Compare all company term plan lic hdfc icici sbi max tata bajaj Health plan ka bi

@krazykrank7938 2 ай бұрын

how policy is better than FD, and how trustworthy these policies are?

@hsrlmrewari3485 2 ай бұрын

What about Tata Aia saral pention pls suggest

@tanayazad3466 4 ай бұрын

Also can you make a video on NPS?

@rajasingh9805 5 ай бұрын

Bank ki service v bdiya honi chaiye paise bhale 5 hazr kam mil jaye SBI ki service sb se bekar hai or icic ki service sb se bdiya !

@sjain218 4 ай бұрын

I am recently retired having about 50 lakhs retirement benefits. What are the best options to get monthly payment as pension??

@ViralDave_26 7 ай бұрын

I have one question , why do we need to calculate XIRR ni case of immediate annuity , should not be that IRR and in case of immediate annuity and monthly payout one can simply calculate the returns in percentage - am not good at math but you can explain

@EveryPaisaMatters 7 ай бұрын

If the dates remain constant, IRR and XIRR will be almost same.

@rajendrabakare8967 6 ай бұрын

Very good explanation about pension plan I am 33 year's old and I just recently came across this video. I have a question currently my age is 33 and if I want to plan for pension for myself at age 55-60 so which scheme is better because for deferred plans you have taken eg. Of 45 year's of age.

@prabhakarmk69 6 ай бұрын

Buy lic's Jeevan utsav or Jeevan umang I am a development officer at lic...

@PinkiBhanushali-fr8yw 5 ай бұрын

5 sal ka defard me kina milega 35 age mere he

@hahahaha4995 5 ай бұрын

Please add Tata AIA from next time.

@Sachin_mry 2 ай бұрын

Sir 40 sal pe koi pension hai.

@ravipal263 2 ай бұрын

Tata fortune maxima wala monthly premium deke lifetime pension scheme bataya

@anandsinghchouhan3959 24 күн бұрын

इन सभी से बेस्ट investment guide मैं कर सकता हु ,वो भी इनसे बेहतर रिटर्न के साथ ,साथ ही अगर पैसा किसी कारण से निकलना पड़े तो पूरा exit bhi le sakte hai

@shamraoyelgawakar7868 2 ай бұрын

Why you have not considered post mis plan ? It is giving 7.4% return witb no deferement

@samitsau 25 күн бұрын

Speak out all the details. As in mobile we not able to stop video, enlarge the screen and check. Just change your presentation please

@amardeepkumar2908 5 ай бұрын

Tata aka ka bhi

@user-on1is8yq3q 5 ай бұрын

The rate of interest for lic immidiate pension plan is revised on 7th feb2024 and it is 7 pecent per annum which is higher than sbi smart pension plan. Pl make new video immidiately with comparing with all plan.

@EveryPaisaMatters 5 ай бұрын

I can make it immediately if you can sponsor the cost of making video. Else the video will come after 2-3 months.

@1415sushil 2 ай бұрын

Can we do SWP in NPS for life long? Please highlight this information because this is very important information. We are getting 10 -12% return in NPS instead of 6-7% in anuity plan.

@EveryPaisaMatters 2 ай бұрын

It is not available lifelong - not yet.

@user-xn5ec7iz4m 5 ай бұрын

Sir, very good explanation. I would like to put 30 Lakhs for my sister, she is a widow and her age is 45 years. which is the best pan for her? can I put 1st 10 lakhs in immediate annuity plan, 2nd 10 lakhs in 2 year deferment and the last 10 lakhs in 5 year deferment plan so she can get little extra in future. Your advice will be appreciated

@user-bm7qp7sc8e 5 ай бұрын

Bhai Best bank me TDR Kar do approx 7-7.5% interest mileage aur no gst. Rs 5000000@7%=350000/year

@clearfinance75 7 ай бұрын

Sir comparison to acha h kafi per meri nazar mein saare plan bekar h isse Acha to swp kr skte h thora risk leke

@EveryPaisaMatters 7 ай бұрын

Namak Swad anusar, Investment Risk anusar

@gouravbose8105 7 ай бұрын

Hi Sir, you have explained very nicely about the guaranteed income plan XIRR % but here I have a question let's say if someone wanted to invest at 37 years and Deferred for 10 years or let's say if he wants immediate Annuity in that case don't you the returns % are also depending on the age factor as well please advise

@EveryPaisaMatters 7 ай бұрын

Yes. it will slightly depend on age. Hence, these comparisons are only to provoke thoughts and bring awareness to people.

@gouravbose8105 7 ай бұрын

@@EveryPaisaMatters Thank you so much sir for your reply. Sir is advised to invest 50 lacs in pension plans at the age of 37 or better to invest in PMS or split my corpus into multiple sectors in mutual funds

@EveryPaisaMatters 7 ай бұрын

It will depend on multiple factors like your assets, liabilities, risk appetite etc.

@Raviteja-zs2it 2 ай бұрын

Post office gives same interest why copare other worest banks

@MsSpark12345 7 ай бұрын

Can we compare the first of these schemes with the SWP scheme with 8% withdrawal annual return? How much money will you get at age 85?

@EveryPaisaMatters 7 ай бұрын

SWP scheme will be presumptive in nature hence did not include it in comparison with Guaranteed plans.

@YedaGogo 7 ай бұрын

Yeah these govt plans keep on changing interest rates and that affects your return from time to time

@anuragreddy9123 2 ай бұрын

LIC JEEVAN DHARA 2

@dabhideepak6999 4 ай бұрын

Saral pension me 95% surrender value milti hai.Paisa block nahi hota

@biswajitsatpathy6506 7 ай бұрын

If I put 50 lacs as fd for the senior citizen and mothly withdraw I think the amount will higher and after the death the nominee will get,can you clarify if somebody do simple fd what is wrong one more advantage is there,i can withdraw amount any time but not in pension plan..

@amitabhbanerji7256 7 ай бұрын

As India will develop, FD rates will progressively become lower and lower. After 20 -25 years FD rates may well be in the range of 3-4 %.

@manusharma70 7 ай бұрын

Muffin green acquired 20% stake in urja mobility, listed on NSE on first December and raised funds. It got RBI approval for app launch

@mehulkarathiya3792 6 ай бұрын

Totally agree with you bishwajeet..put FD for long time and you could get same amount on 50 lacs. ...Good thought.

@SijuMarkose 6 ай бұрын

Very valid question, as FD rates are going up currently.

@user-er9mu7vb9o 5 ай бұрын

Kya samay ke saath Monthly Income future ko dekhte Badh sakti hai taaki waqt ki mehangayee adjust kar sake aisi scheme bataaye.

@ashutoshchaturvedi5321 7 ай бұрын

Rs. 20,00,000

@sanam3665 Ай бұрын

please show how the yearly pension will be taxed after the deferment period what implications will be there

@EveryPaisaMatters Ай бұрын

It will be treated as income from salary

@sanam3665 Ай бұрын

@@EveryPaisaMatters or will it be taxed as LTCG?

@EveryPaisaMatters Ай бұрын

Pension is not LTCG

@sanam3665 Ай бұрын

@@EveryPaisaMatters I mean for LIC jeevan Shanti pension policy when for example if I invest 1 Cr in 2024 and I choose a deferment of 10 -12 years and I get 13-14% return on the lump sum invested after the deferment period how will that amount be taxed after I start receiving the pension on the policy.

@kiranhalagatti8632 Ай бұрын

Pension Mantly chaiye minimum 30thousd.

@sunaysaraf 7 ай бұрын

Very helpful for choosing Pension Plans. Will have to choose one in 2025 for my Parents. Monthly/Yearly Pension payout, which will give maximum amount ?

@EveryPaisaMatters 7 ай бұрын

Check back in 2025. Dont forget to Subscribe

@sunaysaraf 7 ай бұрын

Can I get or buy this Excel Template for research purpose before deciding on any Pension Polocy ?

@VISHNU-cr6nb 7 ай бұрын

Sir please share the Excel file

@EveryPaisaMatters 7 ай бұрын

Will do soon.

@bhavneshparikh8283 7 ай бұрын

How to get this file?

@EveryPaisaMatters 7 ай бұрын

You can create on your own by following this -Course - Real Returns of a Pension Plan kzfaq.info/sun/PLIHzwEu-p9d6_AAvRUajcMVoRCMqJONWC

@mithun28das 7 ай бұрын

Sir please include the tax implication of pension plan.

@EveryPaisaMatters 7 ай бұрын

It is variable as per the person's tax slab.

@lohitlala1798 6 ай бұрын

Not useful

@pranabkumarbasu4805 3 ай бұрын

lic is the worst investment for any scheme

@pranabkumarbasu4805 6 ай бұрын

Jjo bhi koro lic mat karo.e logo ne budhhu banate hey. Isse aachya mis post office term deposit karo e aachhya hey. Insurance kiu koro ge kgud ko puchho aur luc konsi scheme dete hey tab pata cholega

@Desktodollars 5 ай бұрын

Retirement pe inhi se Lena compulsory he bhai

@100rabh_inamdar Ай бұрын

Sir in this pension plan I can surrender policy and get the rate of purchase amount back after certain years ??