Many jobs no longer offer pensions. In this situation, employees are harassed to get protection in their retirement life. Pension provides a protection to employees in case of any emergency after retirement. But since not all jobs have that system, it is important to invest today.
The government has various schemes for the protection of employees. There are many who do not want to take the risk. These government projects are very low risk. So you can safely invest here. There is a scheme where a daily deposit of just 200 rupees will give you a secure future. It is possible to get up to 50 thousand rupees per month on completion of this scheme.
We are talking about the National Pension Scheme of the Central Government. Under this scheme you can invest 6 thousand rupees per month. Then after 60 years of age you can get 50 thousand rupees per month. There are two types of accounts in this scheme. One is NPS Tier 1 and other is NPS Tier 2 account. Employees who do not have a provident fund can open an account in Tier 1. To do this only 500 rupees have to be deposited.
If you are 24 years of age, then you can get maximum benefit from this scheme. If you open an NPS account at the age of 24 and invest Rs 6,000 per month, the total investment will be 36 years. The total amount invested here is 25 lakh 52 thousand taka. Calculating the interest rate on this investment at the rate of 10 percent, the total amount of investment stands at 2 crore 54 lakh 50 thousand 906 taka.
If you invest 40 percent of your maturity income in NPS annuity, you will have a total of Rs 1 crore 1 lakh 80 thousand 362 in your account. If a return of 10 percent is calculated on this, a total of 1 crore 52 lakh 70 thousand rupees will be deposited in your account. If you are 36 years old, you will easily get 50 thousand taka per month from this scheme.