NPS Scheme: If you want to secure the future of your family along with you. Then this news is going to be good for you. This is because if you also want to make your wife self-reliant. And want to make some investment for regular income. So we are going to provide you all the details about it. For this, you can open your wife's account in the National Pension Scheme. The investment made here secures your future. Many types of benefits are available on opening the National Pension Scheme (NPS) account in the name of the wife.

Account can be opened in 1000 rupees

From the NPS account, your wife will get a lump sum amount at the age of 60 i.e. on the maturity of the account. Not only this, every month the wife will also get regular income in the form of pension. You can invest in NPS every month or annually as per your convenience. You can open an NPS account with just Rs 1,000. Maturity of NPS account becomes at the age of 60 years.

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Get 10% return annually

For example, suppose your wife is 30 years old. And you invest Rs 60000 annually or Rs 5000 monthly in his NPS account. If there is a return of 10 percent annually on this investment. So at the age of 60, he will have a total of Rs 1.13 crore in his account. He will get around Rs 45 lakh out of this. Apart from this, he will also get a pension of around Rs 45,000 every month.

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How much pension do you get

• Age - 30 years
• Total investment period - 30 years
• Monthly contribution - Rs 5,000
• Estimated return on investment – 10 percent
• Total Pension Fund – Rs 1,13,96,627
• Amount to buy annuity plan – Rs 45,58,651
• Estimated Annuity Rate 8% – Rs 68,37,976
• Monthly pension - around Rs 45,000

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NPS has been started by the Central Government

NPS is the Social Security Scheme of the Central Government. Your investment in this scheme is managed by a professional fund manager. These professional fund managers are entrusted with the responsibility by the Central Government. In this way your investment in NPS remains completely safe. However, there is no guarantee of return on the money invested under it. According to financial planners, NPS has provided an average annual return of 10 to 11 per cent since its inception.

Posted Date: August 20, 2023

Publish Date: August 20, 2023

Posted By Rahul Bhardwaj

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