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Kkkiran

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Baabu
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Reply with quote  #1 
What are your investment options.how do you plan to save ?
rowdi fellow lo Nara rohit lanti vallu kakunda..Only salary ye income source unnavallu answer plz.
1. Real estate (buy a plot and hope it appreciates to a point where doing job is no longer necessary)
2. Buy mutualfunds (covers it 80c)
3. VPF (gives 8.5% interest and covers it 80C)
4. Local Chit funds( close to 20% returns, risky).
5. FDs (6% interest)
6.LIC (one of the worst options).
7. Money lending(18% interest but risky)
Disco cheyyandi..What are other options.

Btw, ee thread meeru endhulo invest Chesthunnarani kaadhu..Listed options pros n cons cheppandi..Emaina kothha options cheppandi.
YNWA_NTR

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RajaKumar
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Reply with quote  #2 
Mostly people opt for first and last option... Even I am no different... And my income source is only job..
PSPK

Veerabhimanyu
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Reply with quote  #3 
I always prefer risk less investments such as NSC,time deposits in Post office and  KVP.

I do not want more money and I want my money to be safe.


Nag4ever

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DoraBabu
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Reply with quote  #4 
Im investing in MF.... 5000/- per mnth... Penchudham anaa penchalekapothuna other commitments valla [frown]
Gaali

Soggadu
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Reply with quote  #5 
Kanipinchina chetta anthaa pin chese badhulu ilaantivi pin cheyyandivayya.
Kkkiran

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Baabu
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Reply with quote  #6 
Quote:
Originally Posted by PSPK
I always prefer risk less investments such as NSC,time deposits in Post office and  KVP.

I do not want more money and I want my money to be safe.



Isn't VPF with same interest rate as epf is better option then?
Nag4ever

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DoraBabu
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Reply with quote  #7 
Quote:
Originally Posted by MovieFreak
Im investing in MF.... 5000/- per mnth... Penchudham anaa penchalekapothuna other commitments valla [frown]

Investing in VPF too...

Shares lo pedithe too risky na ?
Kkkiran

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Baabu
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Reply with quote  #8 
One more option..One of my friends from an agricultural family..Buys new paddy produce n sells after 2,3 years. He says net Returns are about 15%-18% .
Romeo

Soggadu
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Reply with quote  #9 
Aggressive returns kavali ante.......
Investing in equities/trading : 

if you have basic knowledge of trading and if you can keep things simple, returns will be pretty good. Of course RISK is high.
DISCIPLINE is key 
Money lending:
most of the other investment plans  ...money lending to vachhe returns to compete cheyalevu...you need not pay tax..18% is the minimum returns....baga telisina vallaki ivvochhu....villages lo ite...you know their complete background and financial ga kuda valla situation telisi vuntundi...mostly return istaru...
base amount kuda rakapovachhu konni situations lo......
Mutual Funds:
If you can not rotate your money by lending ...MFs are better options...
cherrythefuture

DoraBabu
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Reply with quote  #10 
Stocks and crypto....
Axe

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"వచ్చాడయ్యో సామి!"
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Reply with quote  #11 
Why only software? All Salaried guys ki valid question No..?
brown

Maharaaju
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Reply with quote  #12 
Quote:
Originally Posted by Gaali
Kanipinchina chetta anthaa pin chese badhulu ilaantivi pin cheyyandivayya.


dolling neeku investment ideas ante warren buffet ki trading nerpinchatam !
Kablik

Live and let live
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Reply with quote  #13 
Quote:
Originally Posted by Kkkiran
What are your investment options.how do you plan to save ? rowdi fellow lo Nara rohit lanti vallu kakunda..Only salary ye income source unnavallu answer plz. 1. Real estate (buy a plot and hope it appreciates to a point where doing job is no longer necessary) 2. Buy mutualfunds (covers it 80c) 3. VPF (gives 8.5% interest and covers it 80C) 4. Local Chit funds( close to 20% returns, risky). 5. FDs (6% interest) 6.LIC (one of the worst options). 7. Money lending(18% interest but risky) Disco cheyyandi..What are other options. Btw, ee thread meeru endhulo invest Chesthunnarani kaadhu..Listed options pros n cons cheppandi..Emaina kothha options cheppandi.


0 savings but rowdy fellow nara rohit la enduku putaledh ani fee avthu unta roju
Sbdbforum

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RAKTHA MANDARAALATHO
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Reply with quote  #14 
Quote:
Originally Posted by Axe
Why only software? All Salaried guys ki valid question No..?


same doubt naadi kooda [smile]

money earn cheyatam kante,,aa earn chesina money ni save cheyatam  kashtam,,[smile]

Topgun

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Valiente Camino
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Reply with quote  #15 
Quote:
Originally Posted by Axe
Why only software? All Salaried guys ki valid question No..?

[biggrin]
Vasco

Maharaaju
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Reply with quote  #16 
ikkada s/w employees ki savings kuda naa[frown]
ItsMyLife

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MAHESH
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Reply with quote  #17 
Just normal savings very very minimal.... and ma company lo oka offer undhi investing up to 10% of your pay in buying their shares... So andhulo invest chesthunna 10%... long term investment kindha...
Nenu pettina rate ki 15% discount isthadu share konetappudu.... Anthe inkem Levu
yardstick

Sachin Tendulkar
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Reply with quote  #18 
Quote:
Originally Posted by Kkkiran
What are your investment options.how do you plan to save ? rowdi fellow lo Nara rohit lanti vallu kakunda..Only salary ye income source unnavallu answer plz. 1. Real estate (buy a plot and hope it appreciates to a point where doing job is no longer necessary) 2. Buy mutualfunds (covers it 80c) 3. VPF (gives 8.5% interest and covers it 80C) 4. Local Chit funds( close to 20% returns, risky). 5. FDs (6% interest) 6.LIC (one of the worst options). 7. Money lending(18% interest but risky) Disco cheyyandi..What are other options. Btw, ee thread meeru endhulo invest Chesthunnarani kaadhu..Listed options pros n cons cheppandi..Emaina kothha options cheppandi.


LIC, VPF ivanni 80C kosame...

Mutual Funds okappudu baga chese varu and people got vexed..

Plot lu kuda konatam ledu...Andaru oka Apartment kontaru...Dani EMIs saripotundi ....Onsite velli vachinappudu own towns/villages lo plot kontaru...

Regular ga andaru chesedi ide...
viswanath

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Reply with quote  #19 
Quote:
Originally Posted by vaskodigama
ikkada s/w employees ki savings kuda naa[frown]


[frown]

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Kkkiran

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Baabu
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Reply with quote  #20 
If you have atleast 10-15 years career ahead..And u r absolutely risk averse..VPF is a superb option at current interest rates.i would say cover all ur 80c with VPF(if u r 100% risk averse). Power of compounding will take place after few years.
seenu

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Pawan-Chiru
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Reply with quote  #21 
VPF ante enti ?
ItsMyLife

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MAHESH
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Reply with quote  #22 
Quote:
Originally Posted by seenu
VPF ante enti ?

Voluntary provident fund.. company deduct chese pf kakunda.. nuvvu kuda Ni own percentage from.your salary PF account ki vesukovachu.
imPavanKalyan

Rise From The Ashes
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Reply with quote  #23 
Quote:
Originally Posted by seenu
VPF ante enti ?
VPF stands for Voluntary Provident fund and it is an investment option where a salaried employee can set aside more than the normal compulsory deduction of 12% of basic salary as savings fund. It is one of the most preferred savings scheme for risk averse, salaried people because VPF interest rates are high.
seenu

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Pawan-Chiru
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Reply with quote  #24 
Quote:
Originally Posted by ItsMyLife
Voluntary provident fund.. company deduct chese pf kakunda.. nuvvu kuda Ni own percentage from.your salary PF account ki vesukovachu.


abbo avasaram ledu company cut chesedi chala ekuva [frown] PF account lo entha money vundho choodam ante sit work chesi chavadu thuu
viswanath

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Reply with quote  #25 
Quote:
Originally Posted by seenu


abbo avasaram ledu company cut chesedi chala ekuva [frown] PF account lo entha money vundho choodam ante sit work chesi chavadu thuu


Ipudu bane working uncle..check chesukoo ipudu..

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seenu

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Pawan-Chiru
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Reply with quote  #26 
Quote:
Originally Posted by viswanath
Ipudu bane working uncle..check chesukoo ipudu..


open ayaka akada emi kanipinchatledu uncle [frown] 
yardstick

Sachin Tendulkar
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Reply with quote  #27 
VPF withdraw chese time lo tax vuntundi kada
Kkkiran

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Baabu
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Reply with quote  #28 
Quote:
Originally Posted by seenu


open ayaka akada emi kanipinchatledu uncle [frown] 

I dunno where u r looking..There are 2 types in it.. 1. ur company acts as a pf trust and deposits to the trust account.
2. Company deposits to the government account.

All rules are same except that in the first case ur company pf statement will let u know the balance.
2nd case u can see ur balance online.
Kkkiran

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Baabu
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Reply with quote  #29 
Quote:
Originally Posted by yardstick
VPF withdraw chese time lo tax vuntundi kada

Nope sir. It's EEE(exempt, exempt, exempt)
viswanath

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Reply with quote  #30 
Quote:
Originally Posted by seenu


open ayaka akada emi kanipinchatledu uncle [frown] 



https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp

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Kkkiran

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Baabu
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Reply with quote  #31 
Quote:
Originally Posted by viswanath



https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp
My previous company has its own pf trust. The details won't be available in that link in such case.
seenu

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Pawan-Chiru
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Reply with quote  #32 
Quote:
Originally Posted by Kkkiran
My previous company has its own pf trust. The details won't be available in that link in such case.


same here anduke kanipinchatledu then how to check my balance 
Kkkiran

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Baabu
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Reply with quote  #33 
Quote:
Originally Posted by seenu


same here anduke kanipinchatledu then how to check my balance 

Employer generally sends you an pf statement each year sir.
viswanath

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Reply with quote  #34 
Quote:
Originally Posted by Kkkiran
My previous company has its own pf trust. The details won't be available in that link in such case.


oh avuna..ok

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Nag4ever

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DoraBabu
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Reply with quote  #35 
Quote:
Originally Posted by seenu


abbo avasaram ledu company cut chesedi chala ekuva [frown] PF account lo entha money vundho choodam ante sit work chesi chavadu thuu

Give a missed call to this amount with registered mobile num... u will get msg.
babu_mahesh

Jackie
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Reply with quote  #36 
Quote:
Originally Posted by MovieFreak
Give a missed call to this amount with registered mobile num... u will get msg.


that doesn't give you latest data or amount sir .. it shows may be amount accrued till last financial year .. up to date amount telusukovali ante UAN portal lo member passbook download chesukovali.. once you click on download it will be available by 1 or 2 days to view/download 
babu_mahesh

Jackie
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Reply with quote  #37 
VPF interest rate is higher than PPF?
Bhuvan

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Maharaaju
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Reply with quote  #38 
Quote:
Originally Posted by cherrythefuture
Stocks and crypto....

long term or short term?
pcr

Jackie
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Reply with quote  #39 
Quote:
Originally Posted by baburules
VPF interest rate is higher than PPF?

+1
Kkkiran

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Baabu
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Reply with quote  #40 
Quote:
Originally Posted by pcr

+1

Nowadays govt reduced ppf rate. Earlier it used be at same level as epf/vpf
Sbdbforum

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RAKTHA MANDARAALATHO
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Reply with quote  #41 
ee thread lo vunna konni konni vaati gurinchi nenu first time vintunna,,
Superstancer

P.S.P.K
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Reply with quote  #42 
Okka HDFC LI thappa vere investments ledhu
NSC (National Savings Certificate) meeda invest (Long Term) cheddam ani planning
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