Retirement Schemes: At present no one wants to be financially dependent. In such a situation, if you want to strengthen yourself financially, then you have to keep some things in mind while saving.
Many times people start worrying about life after retirement. After retirement, we want to have some income in the form of salary every month.
There are many schemes in the market to continue earning income after retirement. By investing in these schemes, you can keep your future safe. And can depend on themselves. In this article, we are going to tell you about some such schemes in which your future will be secured.
After retirement, if you want to continue getting pension benefits every month, then you can choose National Pension System for this. You will have to invest in this scheme and after 60 years, you can get 60 percent amount in NPS fund together and 40 percent amount as pension. Earlier, the benefit of this scheme was available only to government employees and its benefit is available to private employees.
Benefits available in PPF scheme
Talking about PPF scheme, guaranteed returns are available in this scheme. This means that the amount invested in it is completely safe. You can also invest in this scheme for your retirement.
You can invest in PPF 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, one gets the benefit of tax benefit on the investment amount.
Invest in mutual funds
Investing in mutual funds has become a very good option. At present, this fund is being liked a lot by the people. 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.
For information, let us tell you that while investing in mutual funds, you have to keep all the things in mind. Actually, there are market risks in it, so you should consider investing in it only later.
Bank deposit is a wonderful option
Saving money in the bank can be the best option. If you want, you can invest in bank FD or RD. In this scheme, you get a lot of benefit from the interest rate available in your savings account. Special FD schemes are run in many banks. You can also compare those schemes and invest in the scheme which is getting higher profits.
Invest in Atal Pension Scheme
The government has started Atal Pension Scheme for the middle class and poor class. Any person between the age of 18 years to 40 years can invest in this scheme. When the scheme matures i.e. the investor turns 60 years old, he gets a pension of Rs 1,000 to Rs 5,000.
