New Delhi: Inflation has skyrocketed, making life difficult for ordinary people. Everyone wants the members of their household to do something that will reduce their financial problems so most of the men these days are looking for a working partner for marriage. If you are a housewife and want to be an independent, there is a government scheme through which the rate in the wife's account
You can make your spouse self-sufficient by investing in the National Pension Scheme (NPS). You can wait for regular income through this scheme.
Account opened in wife's name
You can open an NPS account in his name to make his wife self reliant. The NPS account will give your spouse a fixed amount upon reaching the age of 60 years. At the same time, they will receive regular income as a pension every month. With an NPS account you can also decide how much pension your wife gets each month. This means that your wife will not be dependent on anyone for money after the age of 60.
The NPS account will mature at the age of 60
You can deposit money in NPS account every month or year as per your convenience. You can also open an NPS account in the wife's name for Rs.1000. The NPS account matures at the age of 60. According to the new rules, you can run an NPS account till the wife reaches the age of 65.
You will get about 45 thousand rupees per month
Simply put, the wife is 30 years old and if you invest Rs 5,000 per month in an NPS account for her, you get a 10 per cent annual return. By the time the wife reaches the age of 60, she will have a total of Rs 1.12 crore in her account. The wife will get about Rs 45 lakh from it. In addition, they will get a pension of about Rs 45,000 per month. This pension will be given to them for life and the future of your family will be bright.
Key points of NPS scheme
- How much is the pension?
- Age- 30 years
- Total investment time - 30 years
- Monthly Contribution - Rs
- Estimated return on investment - 10 percent
- Total Pension Fund - Rs. 1,11,98,471 can be withdrawn on maturity.
- Amount for purchase of annuity plan of Rs. 44,79,388
- Estimated annuity rate of Rs. 67,19,083 8%
- Monthly Pension - Rs. 44,793