Chifukwa Chake Kusunga Msonkho Kuli Mfungulo ya Kupuma Pantchito mu India

Kulinganiza kwa kupuma pantchito ku India kaŵirikaŵiri kumaika malo apadera pa zonulirapo za ndalama monga kugula nyumba, kuchirikiza maphunziro a ana, kapena kuyendetsa ndalama za mwezi ndi mwezi. Komabe, chenicheni nchakuti: ndi kukwera kwa moyo, kukwera kwa ndalama zamankhwala, ndi kuchepa kwa njira zothandizira banja, kumanga kupuma pantchito sikwaufulu. Vuto nlakuti kuika ndalama pambali pa chonulirapo cha ana, zaka 20 kapena 30 kumbuyoko kumamva kukhala zopweteka pamene aliyense akuwoneka kukhala wofunikira lerolino. Izi ndi zimene ziŵiya zosungira msonkho za ku India zimapatsa mphamvu yamphamvu ndi kusonkhezera ndalama. Mwa kulinganiza ndalama zoikizira ndalama zapamsonkha, boma lingakhoze ndalama zotsika ndalama zotsala pamtengo wapatali kaamba ka zaka zambiri. Mwachitsanzo, chitsanzo, ndalama zokwanira zokwanira zokwanira kusungitsa ndalama za ndalama za ndalama zamakono zingakupulumutseni ndalama zokwanira pa ntchito 300,000 m’katambala yanu yapamwamba, ndi ndalama zotsala zapamwamba kuti mukhale ndalama zambiri.

Chinsinsi chake nchakuti zipangizo zonse zosungira msonkho sizilingana ndi zimene zimabwera ku kuleka ntchito. Zina zimapereka kubwezera koma kukula kochepa, pamene zina zimapereka kukula kwa msika ndi kuthekera kokulira. Msanganizo wolingalira bwino, wogwirizana ndi chikhumbo chanu cha kufuna kutaya nthaŵi, ungasinthe ndalama zanu za msonkho kukhala injini ya kupuma pantchito. Mtsogoleri wodziŵa bwino, timachepetsa njira iliyonse yosungira msonkho pansi pa lamulo la India, fotokozani mmene chilichonse chikuthandizira kumanga nyumba ya makonkhompu, ndi njira zothandiza kuwonjezera mapindu onse aŵiri a msonkho ndi chuma chanthaŵi yaitali.

Kumvetsetsa Zida Zopulumutsira Msonkho ku India

Chikalata cha Inhondation Trust cha India chimapereka ndalama zochepetsedwa pansi pa zigawo zingapo, makamaka Chigawo 80C, chimene chimalola kuchepetsedwa kwa ndalama 761.5 lakh chaka chilichonse pa ndalama zoikizidwa. Kupitirira 80C, ndalama zowonjezereka pa Komiti 80C(1B), 80D (inshuwalansi ya kuchiritsa), ndi 80G (kulandira ndalama) zingachepetse ndalama zolipirira msonkho. Kupuma pantchito kwenikweni, zipangizo zimene zimaphatikizapo mapindu 80C ndi ndalama zosungidwa kwanthaŵi yaitali ndi zofunika kwambiri. Pansipa, timapenda ndandanda iliyonse yaikulu.

Ndalama Zopereka za Boma (PPF)

PPF ndi njira ya boma yosungira ndalama yolipidwa ndi nthaŵi ya zaka 15 yauchikulire. Imapereka chiwongola dzanja choikidwiratu (pakali pano pa 7.1% pa chigawo chimodzi, chokonzedwanso pa kotara) chimene chili chopanda msonkho pa zonse ziŵiri ndi kuchotsa. Invectors mpaka 761.5 lakh pachaka iyenera kuchepetsa ndalama pa chigawo cha 80C. Chiwongola dzanja chopezedwacho chimachotsedwanso pa msonkho pansi pa chigawo 10. Pakathango, PPF imapereka chiwiri chotetezeka, chomangira chiŵiya choyenera. Komabe, chaka cha 15 cha kusudzulidwa ndi chaka cha 7 (chololedwa ndi kuchotsapo pa 7) chimatanthauza kuti chiyenere bwino koposa kaamba ka zonulira za kuleka ntchito zimene zili pazaka 1015. Chithandizo chachikulu ndicho chitetezo chamalipiro ndi kubwereranso, chifukwa cha kusungidwa kwa choyenerera chikole cha kulowa.

Chimodzi mwa zinthu zimene zimanyalanyazidwa kaŵirikaŵiri nchakuti PPF ingafutukulidwe m'zidutswa za zaka 5 pambuyo pa uchikulire, kulola kukula kwa msonkho wosalekeza. Kupuma pantchito, mukhoza kuyamba akhawunti ya PPF mwamsanga, kuwonjezerapo mlingo wake chaka chilichonse, ndi kuilola kulumikiza kwa zaka 15. Pauchikulire, mungaichotse ikopu kapena kuifutulira pamene mukupitirizabe kuwonjezera ndalama zochepa. Zimenezi zimapangitsa PPF kukhala maziko odabwitsa osungira ntchito yapansi.

Kuthandiza Olembedwa Ntchito (EPF)

Kwa antchito olembedwa ntchito, EPF mwinamwake ndiyo chiŵiya chosungitsa ndalama zotsala. Olembedwa ntchito ndi abwana onse aŵiri amapereka 12% ya malipiro aakulu ndi chikondi ku EPF (chopereka cha wolembedwa ntchito chikugawidwa pakati pa EPF ndi Wolembedwa ndi Ofee Pension Scheage ). Ndalama za antchitoyo zimayenerera ndalama zochepetsedwa pansi pa chigawo 80C. Mtengo wa EPF ndi ndalama zowonjezereka ndi kuwonjezera ndalama zimene mukusunga. VPFF imathandizanso kuti ipeze chiwongola dzanja cha EPP, kuphatikizapo chiwongola dzanja cha msonkho, ngati achotsedwa pambuyo pa zaka 5 zopitirizabe utumiki. Zopereka za ndalama zoperekedwazo. Koma mukhoza kupereka ndalama zambiri modzi ndi zowonjezereka pansi pa zopereka zopereka zaufulu (VF) kuti muwonjeze ndalama zanu zowonjezereka. VFFFF imathandizanso pa ndalama zowonjezereka pa ndalama zoperekedwa ndi ndalama zowonjezereka zaganyu zowonjezereka pa ndalama zoperekedwa pa ndalama zowonjezereka pa ndalama zoperekedwa.

Njira ya Kachilomboka (NPS)

NPS ndi msika wamalire, makonzedwe a kusudzulidwa kwanthaŵi yaitali kwa ndalama zosungidwa ndi Pension Fund Reguariator ndi Development Authority (PFRDA). N’kotheka kwa anthu onse a ku India (kuphatikizapo NRIS) ndipo amapereka mabowo aŵiri: Tier I (kusamuka kwa antchito a boma, kusasankha) ndi Tier II (kusunga ndalama popanda kutsekera malo osungirako, koma kulibe phindu la msonkho). I iri ndi mlandu wa malo otsegulira malo ogona ndi galimoto kufikira zaka 60, ngakhale kuti kuchotsako kumakhala kololedwa pansi pa mikhalidwe ina. Malo ake apamwamba a boma ndi ndalama za padera kuwonjezera pa ndalama za ndalama za anthu osoŵa pa moyo wonse. Pamene kuli kusoŵa kwa ndalama zapamwamba pamalipiro a 80 CC, kuwonjezera pamlingo wa 800,000, kuwonjezera pamlingo wa zaka za masukuti 800,000 mu maofesi a boma ndi kuwonjezera amodzi, ndipo kuwonjezera pa ndalama za boma za boma za boma zambiri kuwonjezera kwambiri.

Kusunga Maluso Ogwirizana ndi Maluso Osunga Zinthu (ELS)

ELS ndi ndalama zosiyanasiyana zimene zimachepetsa msonkho pansi pa Chigawo 80C ndi nyengo yaifupi ya kutsekera pakati pa zosankha zonse . Pambuyo pa kutsekera, mayuniti angawomboledwe panthaŵi iliyonse. Popeza kuti ESS amasunga ndalama zambiri makamaka m'mapereti, imaperekanso kuthekera kwa kubwezera ndalama za ndalama. Kuchuluka kwa zaka 10+ zaka, inde kumakhala ndi mapenso 12-15% pachaka, zimene zingafulumizire kwambiri kuwonjezereka kwa madesiki. Kwa zaka 30 za chaka ndi chaka, ndalama zosungira ndalama zotsala, ndalama zotsala zanthaŵi imodzi za pa ma MPUS zotsala, ndipo zikhoza kuthandizira kuwonjezereka kwa zaka zanthaŵi zitatu ndi zaka zapadera, koma kukhoza kuwonjezera zaka za kuchepa kwa zaka 30 za kuwonjezera, poyerekezera ndi laFPP yosanja yapadera yapadera yapadera ya kuchuluka kwa ndalama za ndalama za m'dzikomondo, makamaka kukhoza kuchepetsa kwa zaka zanthaŵi zanthaŵi zambiri, kudalira pa njira yapadera ya ndalama yapadera yanthaŵi yaitali kwambiri, makamaka ya ndalama zotsalapo, makamaka, makamaka chifukwa chakugwiritsidwa ntchito, makamaka, kudalira pa

Zipatala za Inshuwalansi Zamoyo Wathu

Malipiro a inshuwalansi ya moyo wa anthu a kudziko lapansi (kubweza ndalama, kubwerera kumbuyo, ULIPS) amayenerera kaamba ka ndalama zochepetsedwa pansi pa Gawo 80C, pansi pa mkhalidwe wakuti ndalama zotsimikiziridwazo ziri kuŵirikiza nthaŵi 10 kulipira kwa pachaka. Pamene kuli kwakuti inshuwalansi imapereka phindu la imfa ku sunga ndalama zosungidwa zoikizira zoikizidwa bwino chifukwa cha kuchuluka kwa ndalama ndi zobwezedwa zotsika. Makonzedwe ambiri a mwambo amapereka zobwezera pa mzera wa 4/6%, zimene zimakwera mtengo. Ndiponso, kukwera kwa msonkho kumawonjezereka kokha ngati ndalama zochepera pa 10% za ndalama zotsimikiziridwa (zoperekedwa pambuyo pa 1 April 2012). Ngati kumanga makampani a inshuwansitilansi, ayenera kuonedwa kukhala otetezeredwa, osasungidwa kwambiri. Ndalama za inshuwalansi (kusungidwa) zimakwera mtengo kwambiri, ndipo zimatulukanso ndalama zambiri zochokera ku ku kumbuyo kwa galimoto, kapena kukwera kwa kukwera kwa kukwera kwa kukwera kwa kukwera kwa zaka za .

Mmene Zida Zoimbira Izi Zimathandizira Anthu Opuma Pantchito Kupulumutsa Anthu Osoŵa Ntchito

Ndalama zimene anthu amasunga mwamsanga ndizo mphoto, koma matsenga enieni a munthu akapuma pantchito amafunika kuwonjezera zinthu zina, kukonzanso ndalama zimene akufuna kuti apeze.

Chochititsa Chidwi: Womanga Wachuma

Gawonizirani wopanga ndalama amene amayamba ali ndi zaka 25, akuwononga ndalama zokwanira 761.5 lakh pachaka posakaniza PPF (7% yobwerera) ndi ESS (12% yobwerera) ndi 40:60 chigawo, komanso kuika 76500,000 m'NPS (10% imabweranso). Zaka zoposa 35, kubwezera kosalekeza (kujambula chithunzi), kutsatsa ndalama zonse za 7670 lakh (62kh lakh pachaka) kukhoza kuwonjezeka kuposa 763.5 crore – chifukwa cha kuwonjezera. Kuyambirira, zotsatira zamphamvu kwambiri. Chaka chilichonse cha kuchedwa kufunikira zopereka zambiri pa mwezi umodzi kuti mukwaniritse cholinga chimodzimodzicho.

Kujambula Malo Okhala ndi Anthu Okhala Pamalo Ena Ndiponso Kugwiritsa Ntchito Malo Oika Moyo Pangozi

Cholakwika chofala ndicho kuika ndalama zonse zosungidwa pa ntchito m'chipangizo chimodzi. PPF ndi EPF zimapatsa kukhazikika koma kuchepa kwa kuwonjezeka . Iwo sangayendere limodzi ndi kukwera kwa ndalama kwa nyengo yaitali. ESSS ndi NPS (choloŵa chotchedwa extern) zimapereka kukula koma ndi HTTP. Njira yabwino ndiyo kupanga chosungirapo chimene chimayendera kulolera ndi nthaŵi yanu kuyandikira. Munthu amene amayendera limodzi ndi kupuma pantchito kwa zaka 20+ kuchokera ku ku ku kuleka ntchito, mlingo wamphamvu wa 70-80% m'ma ma ma ma ma ma masqui (via NPS equity ndi ESS) ndipo 200,000% m'ngongoledzero (PF, EPF) angakulitse nthaŵi yaitali. Monga zaka zapansi patali, amasintha pang'kutetezera ngongole kuti ateteze. NPS imapereka ndalama zongongongongongoka (zolowera) chifukwa cha zaka zabwino kwambiri)

Zopereka za Olembedwa Ntchito: Ndalama Zaulere kaamba ka Kupuma Pantchito

Ngati bwana wanu apereka NPS, wolemba ntchito aliyense amene amapereka ndalama zokwana 10% (14% ya boma) satha kulipira pa Gawo 80CCD(2) popanda kukhudza malire anu a 80C. Imeneyi ndi ndalama zowonjezera zimene mumasunga kuti muchepetse ndalama zanu zolipira msonkho. Mofananamo, ndalama za EPF (12% ya maziko a ntchito) sizingaperekedwe mwachindunji msonkho kwa wolemba ntchito (ndi mtengo wa bwana), koma antchitowo amapindulabe ndi ndalama zoperekedwa ndi antchito olembedwa ntchito yopuma pantchito. Nthaŵi zonse amapindula ndi ndalama zaulere.

Malamulo Owonjezera Kupulumutsa Msonkho ndi Kupuma Pantchito

Tsopano popeza kuti mukudziwa bwino zipangizozo, njira yotsatira ndi yakuti mukhoza kupha anthu ena pogwiritsa ntchito ndalama zimene mwalipira komanso zimene mwatsala pang’ono kuchuluka.

Chigawo 80C ndi Msanganizo Woyenera

Chigawo 80C chimapereka ndalama zochepetsedwa 761.5 lakh. Musamangodzaza malire ndi chosankha chilichonse . Njira yoyenerera ingakhale: 761.5 lakh mu PPF (chigawo chosatetezereka) + EPS (chokula) + EPF (kuchuluka) + EPF (kuchuluka) yophatikizidwa pakati pa malire. Mwachitsanzo, ngati ndalama zanu za EPF ndi 760,000 pachaka, mwasiya. Mukafuna kuti muwonjezere ELS 900,000 kudzera ku ELS. Mumalingalira nthaŵi zotsekera: PPP ndi EPF, mumakhala ndi EFFF. Ngati mufuna ndalama zambiri zofunikira pa nthaŵi yaitali, ngati mufunanso kukwaniritsa zolinga zina.

2. Levrage Kuchotsa NPS Kowonjezereka kwa 250,000

Chigawo 80CCD (1B) chimapereka kuchepetsedwa kowonjezereka kwa 760,000 pa NPS Tier I ya zopereka. Koma ndalamazo zimawonjezereka kulipira msonkho , kuposa 80C kapu ya 80. Umenewu ndi mwaŵi waukulu kwa wopereka msonkho aliyense, makamaka amene ali m'magudumu apamwamba. kwa munthu pa 30% pa msonkho, kuikizira $50,000 mu NPS sunga ndalama za ndalama za ndalama za ndalama za ndalama za pa mwezi ndi ndalama za msonkho. Ndalama zokwana 500,000 paderazo zimawonjezereka kufikira mutapuma kale pamlingo wa zaka za 300,000 , kuwonjezera 10% pachaka, mukusonkhanitsa pafupifupi la 9999. Mukagula ndalama za ndalama za ndalama za ndalama za pa mwezi ndi ndalama za msonkho. Ndalama 500,000 zingagwiritsiridwe ntchito ngakhale ngati mutatha kale kuchepa kwa zaka 80.

3. Zopereka za Olemba ntchito: kuzani 80CCD(2)

Ngati bwana wanu alola NPS kupereka zopereka, alimbikitseni kupereka ndalama zovomerezeka (10% ya malipiro aumwini, 14% kwa boma). Zimenezi zimachepetsa malipiro anu oyenera ndi kumanga corpus . Mwachitsanzo, ngati malipiro anu ndi 7612 lakh pa num, ndalama zolembedwa pa 761.2 lakh ku NPS ndi ndalama ya msonkho wathunthu m’manja mwanu pansi pa chigawo 80C(2). Mukhoza kuphatikiza ndalama zanu ndi 80C ndi 80CC(1B) , ndipo mukhoza kusunga ndalama zoposa 763.2 m'makhomakhoma msonkho chaka chilichonse pamene mukumanga ndalama zaganyu zambiri. Netia ndi wolemba ntchito yanu kuti muphatikize mbali yanu ya NPS ngati simunapereka kale.

4. Gwiritsani Ntchito ACHINYAMATA Kufutukuka ndi Kamphindi Kochepa

ELSS imapereka phindu la madzi pambuyo pa zaka zitatu, koma kuti mukhale wopuma pantchito, simuyenera kuiona ngati chiwiya cha nthaŵi yochepa. M’malo mwake, gwiritsirani ntchito ELSS monga galimoto kusonkhanitsa ndalama zanthaŵi yaitali zopitira. Mukhoza kuyamba ELSS SIP ndi zaka 3, muli ndi makampani a makampani amene tsopano ali madzi . Mukhoza kuombola ndi kubwezeretsa ndalama ya nthaŵi zonse (opanda kutsekera, koma osapitirizanso kukhometsa msonkho) kapena kungopitiriza kunyamula. Chifungulo ndicho kusachotsa ndalama kaamba ka kusabwereranso kwa ndalama. Msonkhoma, mungathe kusungitsa mayuniti a chaka chimodzi kuti muyene kukhala wokwanira monga ndalama za ndalama zotsala (CCC).

Kuthandiza Opaleshoni Kupeza Malipiro Odzifunira (VPF)

Ngati ndinu membala wa EPF ndipo mukufuna kusungidwa ngongole zambiri pamlingo wachiwongola dzanja umodzimodzi, gwiritsirani ntchito VPF. Mukhoza kupereka peresenti iriyonse ya malipiro anu aakulu (kugonjera ku lamulo la abwana anu) ku VPF, ndipo imalandira chiwongola dzanja chimodzimodzi ndi EPF . Choperekacho chiyeneretsedwa pansi pa Gawo 80C. Imeneyi ndi yothandiza kwambiri makamaka kwa oikizira ndalama zamwambo amene atha kale kutulutsa PPF ndi kufuna kuwonjezerakongolerensi yauleresi. Komabe, sungani m’maganizo kuti EPF+VPF ikhale ndi lock-in kufikira (kupuma pantchito yapadera), tsimikizirani kuti muli ndi zinthu zina zamwaŵitsa chifukwa chamwaŵiro.

6. Ogaŵana Msonkho Amavomerezana ndi Msonkho Watsopano Womwe Unkawaganizira

Chiyambire kuyambika kwa boma latsopano la msonkho (malipiro apamwamba koma osachepetsedwa), okhoma misonkho ambiri amayang'anizana ndi chosankha. Ngati musankha boma latsopano, kusungitsa msonkho pansi pa 80C, 80CCD(1B), ndi zinanso, simupereka phindu lililonse. Pa makampani apamwamba olandira msonkho m’boma lakale, ndalama zochepetsera ndalamazo n’zofunika kwambiri. Ngati mufuna ndalama zochepetsedwa ndi wolemba ntchito (pansi pa 76959, ndalama zokhoma msonkho), boma latsopanolo lingakhale labwino. Limene limakupatsani ndalama zochepetsera msonkho zotsika kunja kwa dziko. Komabe, ngakhale pansi pa boma latsopano, ngati simunalandira ndalama zotsala, ngakhale kuwonjezera ndalama zoyendetsera ndalama za antchito yanu zoyendetsera ntchitoyi, kwenikweni, boma la NPS ndi lopanda ntchito yamakono, lomwe likuloledwa ndi boma la boma lanu lakale kwambiri. Komabe, ngakhale ngati mukuona ndalama zambiri, mukhoza kulipira ndalama za boma, ngakhale kulipira ndalama za boma za boma lanu.

7. Yambani Mwachisawawa ndi Kugwiritsira Ntchito Zolinganiza za Kusunga Mafashoni (SIP)

Chinthu chachikulu pa ukulu wa kupuma pantchito ndicho nthaŵi, osati kubwerera. Kuyambira 25 mpaka 35 pulogalamu yanu yomaliza kungawirike kaŵiri kapena katatu chifukwa cha kuwonjezera. Gwiritsani SiPS pa ELS ndi zopereka zanthaŵi zonse ku Khirisishoni. Kuyendetsa ndalamazo kumapangitsa kuti musaphonye mwezi umodzi. Mwachitsanzo, mukhazikitsa galimoto 760,000 mwezi uliwonse m'zigawo za ELS ndipo 764,000 mu NFS. Pofika chaka mukanakhala mutawononga 760,000 mu ESS ndi PNG , kuphatikizapo EPS , mukhoza kuwolowera mosavuta 76. . . . . . . . . . . . . . . . .

Zolakwa Zofala ndi Mmene Mungapewere

Ngakhale kuti ali ndi zolinga zabwino, oikizira ndalama ambiri a ku India amagwera m’misampha imene imachepetsa kugwira bwino ntchito kwa ndalama zolipira msonkho.

  • Kuwononga ndalama zosungira msonkho monga chonulirapo chachikulu: Anthu ena amasankha kuikizira ndalama zoikizira ndalama zoyendetsedwa kokha ndi ndalama za msonkho popanda kuganizira zobwerera za nthaŵi yaitali. Mwachitsanzo, kugula malamulo a inshuwalansi yotsika kokha kuti musunge msonkho kungakutsekeni ku zobwezedwa zopanda pake. Nthaŵi zonse pendani kubwerera kwa khoti laposi atakwera mtengo.
  • Kuwonjezera pa malipiro oikika: PPF ndi EPF n’zotetezereka, koma kudalira kwambiri zinthuzo kungatulukepo chiwonkhetso chimene sichikupambana kukwera kwa mtengo. M'mbiri, PPF imabwererapo pa 7-8% kuposa kukwera mtengo kwa ndalama, ndipo imasiya kukula kwenikweni. Maluso ngofunika kwambiri kuti chuma chilengwe zaka 20+.
  • Kukhoma msonkho wa pamalipiro a dziko lapansi: [[FL:1] Pa nthawi ya kupuma pantchito, 40% ya NPS corpus iyenera kugwiritsiridwa ntchito kugula mabanki adziko, ndipo ndalama zoikizidwa za pamalipiro ndizo kulipidwa monga pa pepala la ndalama zanu. Zimenezi zingabweretse msonkho pa ndalama zopuma pantchito. Konzekerani ku kampani zina zimene zimapezera ndalama zauleretsa msonkho, monga PPF kapena ESS (mwamwamwambo wa ndalama).
  • Kusapenda malamulo a msonkho chaka chilichonse: [[FT:1] amasintha malamulo a msonkho, ndalama zogulitsira, ndi mkhalidwe wanu wa zachuma zimasintha. Kaonedweninso pa malo anu opuma pantchito chaka chilichonse. Muwonjezere ndalama zimene mumagula, wonjezerani ndalama zimene mumalandira pokwera malipiro, ndi kusintha ndalama ngati simunayende bwino.
  • Kukoka mwamsanga: PPF ndi EPF imalola kuchotsa kwapang'ono kaamba ka zifuno zapadera monga maphunziro kapena nyumba. Pamene kuli kwakuti kusudzula kumeneku sikuli kulakwa pa , kumachepetsa ma corpu amene angakulangilire. Yesani kuchepetsa kutaya zinthu zofunika zenizeni ndi kusunga ndalama zina zosungidwa.

Kuika Zonsezo Pamodzi: Ganizo la Kupuma Pantchito

Tiyeni tichitire chitsanzo pulani ya konkiri ya ntchito yolembedwa ya zaka 30 yolembedwa ya malipiro î12 lakh pachaka, m’boma lakale la msonkho, ndi cholinga cha kupuma pantchito pausinkhu wa zaka 60.

  • EPF: Kuyerekeza malipiro aakulu 760,000 pamwezi. Chopereka cha ntchito cha 12% = 76,000 pamwezi = 762,000 pachaka. Zimenezi zimayenerera pa 80C.
  • PPF: Kombani aunti ndi kupereka ndalama zokwanira 760,000 pachaka (kungopeputsa kapena kugwiritsa ntchito ndalama 12). Ndiponso muyeneretsedwa pansi pa 80C.
  • ELS: Yambani kutsata SIP ya 763,000 = 7636,000 pachaka.
  • NPS (GIEF GAWON I): Wopereka 764,000 pa mwezi = 764,000 pachaka. Zimenezi zikuphatikizapo 764,000 pa 80CCD (1) m'malire 80C. Koma tiri ndi 762,000 760,000 7676,000 769,000 761,000 kuchokera ku ziŵiya zina, zoposa 809,000. Chotero tifunikira kulinganiza. Kuchepetsa: PPF mpaka 761,000, EPF pa 762,000, 80 C = 761,000. Ndiyeno kugwiritsira ntchito ndalama za NPS za 761,000,000,000, kuti zifike kwenikweni . . .
  • Wolemba ntchito: Ngati bwana apereka NPS, tanenani kuti 10% ya malipiro = 761,200,000 pachaka. Pansi pa 80CCD2, zimenezi n’zosapezeka, zikusunga 766,000 pa msonkho.

Kuposa zaka 30, kuyerekezera EPF pa 8%, PPF pa 7%, ESS pa 12%, NPS pa 10% (mwambo wolemera), corpus pausinkhu wa zaka 60 ingakhale pafupifupi 76.5 crore (kuyerekezera kwa masiku). Zimenezi zimathandiza kupeza ndalama zabwino mwezi uliwonse pa ntchito yapansi, makamaka ngati ziphatikizidwa ndi ndalama zochokera ku NPS ndi kuchotsapo ndalama pa PPF/EF.

Mapeto: Yambani Lero, Kututa Mawa

Kupanga ma corpus opuma pantchito ku India si chinsinsi . Ndi nkhani ya kuikizira ndalama za msonkho zosasintha. Ziwiya zoperekedwa pansi pa malamulo a msonkho wa India zalinganizidwa kulimbikitsa ndalama zosungidwa kwa nthaŵi yaitali, ndipo zimagwira ntchito modabwitsa pamene zigwiritsidwa ntchito bwino. Kuphatikiza ndalama za misonkho, kuwonjezera, ndi kuchuluka kwa chuma kwa ndalama kungasinthe ndalama zapachaka kukhala dzira la ndalama zokwera. Musayembekezere malipiro apamwamba kapena “mikhalidwe yabwino ya malonda. Kuyamba ndi chilichonse chimene mungathe – ngakhale 76500 pa mwezi uliwonse mu ELS SIPS kapena NPS. Kuwonjezerako kuchuluka kwake ndi 10% ya zopereka za ndalama. Olemba ntchito ya ndalama ngati zikufunika, koma kumbukirani kuti njira yofunika kwambiri ndiyo kuyamba kusungitsa msonkho yanu. Mwakutsimikizirani ndalama, zaka za golide

Kuti muŵerenge zambiri, fufuzani webusaiti ya kampani ya Mtungo yolandira pa webusaiti ya Msonkho kaamba ka malire aposachedwapa, [[FLT :2] NPS TSUMB kaamba ka tsatanetsatane wa NPS, ndi EFO loona port [[FLD:5] kaamba ka malamulo a EPF.