Iyo National Pension System (NPS) chirongwa chikuru chekuchengetedza mutero uye kuvaka hupfumi hukuru hwekuenda pamudyandigere.
MaMireniyumu haachengetedze mari nenzira yechinyakare, iyo ine madhipoziti akaiswa uye anodzokororwa madhipoziti. Vanotarisa kutarisa marimisheni anopa akawanda mabhenefiti, akadai semari yekuchengetedza mutero.
Funga nezveNPS seakaundi yekumanikidza-yekuchengetedza. Kana wangoisa mari yako, inovharwa kusvika warova 60 yemakore, zvakanaka mhando.
Ndosaka isina kutonhorera semastock kana itirana mari, asi zviri nani kune avhareji investimendi.
Heano mabhenefiti matanhatu ekuva neNPS account.
Guaranteed Returns Kana Iwe Unotamba Zvakachengeteka
NPS inokupa madzoro akavimbiswa kana ukasarudza kusadyara zvine hukasha mumari ine njodzi huru.
Iyo NPS inokutendera iwe kuisa mari yako mukuenzanisa. Mari yako yekorasi inogovaniswa pakati pezvikamu zvina zvemidziyo zvinoti Hurumende Bond, Equity stocks, Corporate credit, uye Alternative Investment Funds.
Kuita kuti zvive nyore kune vanotanga, kugoverwa kweNPS kune sarudzo mbiri:
- Auto-sarudzo
- Active-sarudzo
Paunotanga iyo Auto-sarudzo NPS account, iwe une inotevera yekudyara sarudzo yekusarudza kubva:
- eresera
- Conservative
- Ane utsinye
Kusarudza Moderate investimendi ichagovera 50% yemupiro wako kune yakanyanya-njodzi mari equity. Sezvo zera rako richikura, chikamu chemipiro yako yekugovera kumisika yemisika inodzikira pasi.
Kusarudza iyo Conservative investment approach ndiyo yandinodaidza kutamba yakachengeteka. Sezvinoita munhu anochengetedza pfungwa, 25% chete yemipiro yako inopihwa kuhomwe yemari. Izvi zvakare zvinodzikiswa paunenge uchikura.
Iyo yehasha yekudyara nzira inouya nenjodzi yakanyanya pamwe nekudzoka kwakakwirira. Iyi nzira ndeye vanhu vanenge vazadzisa zvimwe zvinangwa zvavo vanotarisira kurarama samambo kunyangwe vaenda pamudyandigere. Going Aggressive ichagovera 75% yezvipo zvako kumusika we equity.
Iyo Active-sarudzo inokutendera kuti utaure kuti yakawanda sei yaungade kuisa mari muchikamu chega chega. Unogona kusarudza kukwira kusvika pa30% mukuenzanisa, 100% paHurumende Bond, uye 100% paCorporate Chikwereti.
Nekusasarudza kuisa mari yakawanda mukuenzanisa uye kugovera mari yako muZvikwereti zvinhu uye maBond eHurumende, unogona kuve nechokwadi chekudzoka kwakanaka mukufamba kwenguva. Chero zvazvingava, izvo zvingave nani pane FDs uye Liquid Mutual Funds.
chibatiso
Kune zvikamu zviviri zveNPS:
- Chikamu - I
- Chikamu - II
Chero mipiro muTier - Ini account yakavharwa kwehushoma hwemakore matatu ekuenderera mberi mupiro. Iyi inhoroondo yechokwadi yekurega basa, yakafanana neRoth IRA muUS.
Kana ukangoisa chero mari muTier - I NPS account, inogara ipapo kusvika wasvitsa makore makumi matanhatu. Hapana nzira yaunokwanisa kutora inodarika 60% yemari kubva kune yako retirement corpus.
Rudzi urwu rwekumanikidza kuchengetedza runoshanda zvakanyanya kunyanya kana iwe uri mumwe munhu ane tsika yakaipa yekushandisa mari kubva kuakaundi yekuchengetedza.
Mari yako, kana ukasarudza kuisa mari neConservative approach inoiswa muHurumende Bonds uye Corporate Debt. Zvose zviri zviviri izvi zvinhu zvakachengetedzwa zvakanyanya uye zvakachengeteka kubva pakuwana kudzoka kusina kunaka munguva refu.
Iye zvino Iyo Tier - II account ndeyemvura. Iwe unogona kuisa uye kubvisa zvakanyanya sezvaunoda, pasina zvirambidzo.
Sezvo Tier - II iri sarudzo yekuzvidira yekudyara, mutero wemutero haushande pamari yaunoisa mairi.
Wakasununguka kusarudza nekuchinja fund manager wako kana asset allocation percentage kaviri pagore. Muzvikamu zviviri.
Rangarira kuisa chero mari inenge yasara mushure mezvese zvaunoshandisa muTier - I NPS account. Iwe haudi chero mari yekukurumidzira mairi nekuti haugone kuvawana kana uchinge wavakuda zvakanyanya.
Mutero Mabhenefiti
NeTier - I NPS account, unogona kuchengetedza inosvika zviuru zviviri zvemadhora pamari yemutero yako gore rega rega remari.
Unogona kutora 1,50,000 pasi pechikamu 80 CCD (1) uye kuwedzera makumi mashanu ezviuru kune vanyoreri vari pasi pe50,000CCD (80B).
Kana wasvitsa makore makumi matanhatu unotenderwa kutora chikamu chinosvika makumi matanhatu kubva muzana checorpus yako yese. Imwe 60% yasara inonyimwa kuti iwe ugamuchire penjeni yenguva dzose mwedzi wega wega.
Paunobvisa mari, yako retirement corpus (yako yakazara mari yekudyara) haizobviswe mutero wakazara. The 40% yehuwandu hwemari inotererwa sehurumende pasi pematafura emutero wenguva dzose wegore rezvemari.
Imwe 60% yaunokwanisa kubvisa ichave isina mutero.
Uye icho chibhenefiti chikuru chekudyara muNPS. Kwete chete iwe unochengetedza zviuru zviviri zvegore mutero, iwe unenge uine yakawanda yemutero yekushandisa mumakore makumi matanhatu. Pasina kunetseka nezve chero manejimendi emutero.
Liquidity Options
Ngatitarisei kune ese ari maviri, Tier - I uye Tier - II yeNPS account.
Tier - Ini ndinokubatsira kuvaka homwe yemudyandigere nekusakurega uchibvisa chero mari kwemakore gumi ekutanga. Izvo hazvikubvumidze iwe kubvisa chero mari kusvika warova 10 makore kunze kwekunge:
- Unoronga kutenga imba yako yekutanga
- Iva nechirwere chakakomba
- Kuda mari yezvikonzero zvakaita sedzidzo yepamusoro, kuroora kwevana
Yako corpus inofanirwa kuenzana kana kupfuura 1,00,000 kuita kubvisa kubva kuTier - I account. Uye iwe unofanirwa kuita angangoita zviuru zvitanhatu zve INR gore rega rega kuchengetedza yako NPS account ichishanda.
Pane kushomeka kwemari muTier - ini asi zvakadaro, unogona kubvisa mari kana uchinge waida nekuda kwechikonzero chakakosha. Maitiro ekubvisa anotora nguva saka, iwe unozofanirwa kuita zvishoma kuronga zvisati zvaitika.
Izvi zvinofanirwa kukuyeuchidzawo kuti usadyare chero mari yaunoronga kushandisa munguva pfupi iri kutevera, senge mumakore mashanu anotevera.
Zvino tarisa Tier - II, iyo yekuzvidira NPS account.
Tier - II inokutendera kuti upe mari yakawanda yaunoda. Uye zvakare bvisa sezvaunoda, chero nguva yaunoda.
Iko hakuna kurambidzwa paTier - II maakaundi. Iyo yakanaka yakawanda mari yemvura inoiswa muzvikamu zvakafanana zveasset seTier - I.
Zvingori zvekuti hauzowana chero penjeni yepamwedzi kubva kuTier – II. Saka, kana chirongwa chako chiri chekuvaka corpus kuti ugamuchire penjeni yepamwedzi mumazuva ako ekare, sarudza Tier - I.
Kune zvibodzwa zvenguva pfupi, Tier - II ndiyo yekusarudza.
Kudzoka Kwakakwirira & Kubatanidza Mhedzisiro
Neine Aggressive investment approach, uri kutarisa pamusoro-avhareji uye zvichida yakakwirira kwazvo inodzoka zvichienderana nemusika.
Nekudyara mari inodarika makumi manomwe neshanu muzana yezvipo zvako muhomwe yeEquity, madzoro anogona kunge ari pamusoro pegumi muzana.
Chokwadi yakakwirira kudarika liquid Mutual funds uye Debt funds.
Imwe bhenefiti yekudyara nguva dzose muNPS iri kuwedzera kudzoka kwako pakudyara.
Tichifunga kuti uri kutanga account yeNPS uine makore makumi maviri nemashanu, Munguva yemakore makumi matatu nemashanu, mipiro yako ye25 pamwedzi inozoita 35 kana tikatora avhareji kufarira yegumi%.
Uye mari yako chaiyo yenguva yemakore makumi matatu nemashanu yakaenzana ne35. Ndiyo ingangoita 4,20,000X yemari yako chaiyo.
Kana ndiri ini, ndanga ndichibatsira kuNPS yangu kubva ndiine makore gumi nemasere. Izvi zvinoreva kuti mupiro wangu we18 (ini ndinopa zvakawanda) mwedzi wega wega unozova 1,000 pane imwecheteyo 70,57,183% mubereko.
Saka, une chikonzero chakanaka chekuti utange nekukurumidza.
Hapana Cap On Investment muTier 2
Iko hakuna chivharo pane kuti yakawanda sei iwe yaunogona kuisa mune iyo tier 2 NPS account.
Tier - II haina chero chikumbaridzo chausingakwanise kuisa imwe mari.
Chero mari yaunenge wasiya mushure mekuvaka yako mari yekukurumidzira, kutenga masheya, kubhadharwa kwekuchengetedza uye mari inoshandiswa inogona kuiswa muNPS Tier - II.
Iwe unogona kubvisa mari iyi nyore nyore chero nguva. Chinja chirongwa chekudyara kana kuendesa kuNPS Tier - Ini account. Iwe unogona kuseta mavhiki akamira mirairo uye woona mari yako ichikura pane autopilot.
Ramba uchifunga, mari yakaiswa uye mubereko wakawanikwa kubva kuTier - II NPS account inobhadhariswa.
Chokwadi kune akawanda mabhenefiti eNPS account anoita kuti ufunge kuva neimwe.
Dzvanya apa kuti unyore yako NPS account.
Inzira yakanaka yekuchengetedza mari yakawedzerwa uye kuronga pamudyandigere wako neramangwana kwaunoziva kuti uchada mari kuti urarame hupenyu hwekare hunofadza.
Pane mibvunzo here? Tizivise mumashoko.
Leave a Reply