Best printers for Home

Best Mixer Grinder

Best wired Earphones

Best 43 Inch TV in India

Best Wi Fi Routers

Best Home Theatre in India

Smart Watch under 5000

Best Laptops for Education

Best Laptop for Students

Among the different investment options you have in front of you, buying a property (investing in real estate) and investing in PPF are two popular avenues. Here we compare between these two kinds of investments to decide which one is better than the other and for what reasons you must choose one or the other. Real estate investment Real estate investment means buying a property. In this investment option, you buy land or property. Some kinds of properties cost you money on a regular basis to hold them. A vacant parcel of land invites taxes to be paid. For buying and maintaining a property you must spend the money out of your pocket dissolving your earnings and savings or you must take a loan. In some cases the property purchase can become unaffordable when the cost is too high. Some real estate investments can generate cash. For example, we can make a mention about the rental houses, apartment buildings or strip mall. In such cases, the tenants are going to send you checks which you can use to pay off the loan and expenses and keep the rest as profit. Section 84 lets you claim exemptions on the interest paid on home loans. Section 80 C lets you claim tax benefits on repaying the principal amount. The maximum tax saving limit is 1.5 lakh per annum. The short term gains from property is taxed on par with regular income. The long term capital gains are taxed depending on your income and marital status. Depreciation is the largest tax deduction available to you from real estate investment. PPF (<keyword id="114852" type="ORGANIZATION" weightage="20" keywordseo="Public-Provident-Fund">Public Provident Fund</keyword>) Investment Upon your invested amount, the PPF scheme gives 8% interest. The interest is compounded on an annual basis. You can choose to invest anywhere between Rs. 500 or Rs. 1.5 lakh per year. The investment per year can also be made in several installments or in one lump sum cash. The minimum amount payable to open a PPF account is Rs. 100. The minimum amount required in your account to operate it is Rs. 500. The maturity period of a PPF account is 15 years. You can choose to extend this for five more years after the maturity period. A PPF account cannot be closed before 15 years. Starting from the 7th year of opening the account, you can withdraw cash if you want. Loan facility is also made available from the 3rd year of opening the account. PPF investment is considered under Section 80C of the Income Tax Act of India for tax exemption. This investment is considered under Exempt, Exempt, Exempt tax basket. The tax benefit is for a maximum amount of Rs. 1.5 lakhs per financial year. You can also claim a tax deduction for the PPF accounts of your spouse and children. Choosing between the two While considering which one is a better form of investment among PPF and real estate, you need to also consider your priorities and expectations from the investment. All real estate properties do not escalate in value. The interest out of PPF though might seem less cannot be underestimated given the long period of investing in this vehicle. However, if flexibility, and liquidity are your expectations, real estate is a better option as you can sell it whenever you want. If you want a risk free investment, PPF can be a good option.

Comparision between Real Estate Vs PPF -- which is better for investment?

Investment decisions must follow a careful analysis and informed knowledge so that we get the best results in line with our expectations. Here we compare between the two investment vehicles namely Systematic Investment Plan vs Public Provident Fund to understand which is better for investment. What do they mean to an investor? A Systematic Investment Plan or a SIP is a kind of <keyword id="6354820" type="DEFINITION" weightage="20" keywordseo="mutual-fund">mutual fund</keyword> investment. Under an SIP investment option, the investor subscribes to a given mutual fund through a pre-defined amount payable on a monthly or any other regular interval basis. Since the investors are buying units of the said mutual fund by paying a standard amount over a well-defined tenure, the investments will not be affected by the market volatility. A PPF investment is a conventional savings scheme introduced by the government of India under the 1968 Public Provident Fund Act. The objective of this investment is to enable people make savings with encouraging returns over a long period of time. Year on year, the government decides the rate of interest over this investment. PPF is a kind of long term investment with a 15 years tenure. The minimum and maximum amounts that can be invested in a PPF scheme is Rs 500 and Rs 1,50,000 respectively. How these two schemes compare Returns Since an SIP investment is done in mutual funds, the returns will depend on the given mutual fund’s performance. The returns on SIP will be as per the current market trends. The returns on PPF are calculated on an annual basis and are decided by the government. Purpose SIP investments are suitable for most people as they can satisfy short term, medium and also long term goals. They are deemed ideal for wealth creation. However, a PPF investment will suit only long term investments. It can be the best scheme for retirement benefit, education or marriage of children and not for other kinds of investment needs. Tax benefits Investments in SIP will invite both short term and long term capital gains tax. Nevertheless, investment in an equity linked savings scheme will enable you to claim deductions of up to Rs 1,50,000 under Section 80C of the Income Tax Act 1961. A PPF investment falls under Exempt, Exempt, Exempt (EEE) category that means the returns and also investments are tax free. Investment Tenure The investment tenure is flexible in case of SIP between 6 months and 1 to 20 years or more. The PPF scheme allows a minimum investment tenure of 15 years. After the maturity period, the investment can be extended for 5 more years. Liquidity SIP investment carries the highest degree of liquidity when it comes to withdrawals. You can get the entire mutual fund amount credited to your bank account linked with the plan within just 3 working days. From a PPF scheme, you can withdraw a partial amount only from the 6th year of investment. How to choose between them The choice of whether an SIP or PPF investment scheme will suit you depends on your investment goals. Decide if you are looking for a risk free long term investment in a PPF plan or you would expect higher returns that carry some risks and more liquidity in a SIP plan.

PPF Vs SIP: Which is better for investment?

As investment options, real estate and gold have their own advantages and downsides. Comparing between these choices aided by an informed knowledge will let you know which one to choose for your specific situation and needs. The bottom line When approached correctly, <keyword id="35278" type="PERSON" weightage="20" keywordseo="real-estate-investment">real estate investment</keyword> can be a highly profitable and reliable option for investors for generating substantial returns. It can also create a regular flow of income while carrying some attractive benefits like tax advantage, lesser risk investment mode and diversification possibilities. On the other hand, investing in gold is a highly preferred option for Indians for a number of reasons. For many generations, gold is passed on as assets. Flexibility is the topmost benefit that people enjoy while investing in gold. It is possible to purchase any small quantity of gold depending on the amount you look forward to invest. <keyword id="113735" type="PERSON" weightage="20" keywordseo="gold-investment">Gold investment</keyword> can range from a few thousands of rupees to several lakhs and corers depending on how much you can afford to invest. Real estate and gold investment comparison Investment size In case of real estate, the investment size is huge. The prices of land are growing and you will need a lump sum amount to make the down payment as most real estate purchase deals are effected through debt financing. The size of investing in gold depends on your choice. You can buy as less as 1 gram of gold to any bigger quantity. It is advisable to buy gold coins or gold bullion instead of gold jewelry for avoiding the making charges. Tenure of investment Real estate is an ideal option for long term investment. Gold investment can be thought fo both for short term as well as long term. However, if you invest in gold over long term, you will be assured of higher returns. Earning potential If you need monthly income on a regular basis, real estate investment is the right option that can leave you with liquid cash. If the property is rented out, the monthly rental amount generated can help cover the mortgage. Gold investment is prone to be impacted by market fluctuations. When the price of gold drops, the investment value also comes down. Liquidity Real estate investment is characterized by lesser liquidity as against gold. It might take months or even years to sell your property. Real estate selling also involves a huge amount of paper work and other official formalities which will make the process long and cumbersome. The stamp duty expenses will make property selling a matter of big concern. Tax benefits Real estate is characterized by structured tax benefits. The aspects like depreciation, maintenance costs, legal service expenses and others are considered for calculating tax. Gold investment will attract capital gains tax. In case of gold deposit certificates, the profits made is completely tax exempt. Price transparency Real estate prices are not as transparent as the gold prices. Gold is actively traded in the market and hence everyone can get to know the gold prices immediately. It might be difficult to get the past date while selling a property. Take home The choice of gold or real estate for investment will depend on what you expect from your investment, how long are you prepared to hold the investment and other considerations.

Gold vs Real Estate which is better for investment?

ome of the aspects investors will want to check while making an investment decision include low risk, high returns, liquidity, tax savings and others. Investing in PPF (expanded as Public <keyword id="45028" type="ORGANIZATION" weightage="20" keywordseo="Provident-Fund">Provident Fund</keyword>) and <keyword id="18712" type="ENTERTAINMENT" weightage="20" keywordseo="Gold">Gold</keyword> will meet these requirements. However, if you wish to choose between these options, here are the points you must consider. How to approach the topic <keyword id="8284047" type="UNKNOWN" weightage="20" keywordseo="gold-vs-ppf">gold vs ppf</keyword> In India, the investors have a wide range of investment options to choose from. The objectives of investment vary between different investors. Most common expectations that investors have while investing include high returns potential and minimum risk. The other two common expectations can be tax savings and diversification portfolio. There are a lot of options that will meet these criteria. However, PPF and gold are highly sought after investment options. Here we look at these options from different perspectives to be able to choose the right one that will help meet your investment objectives. Investment Risk in PPF PPF is a very popular savings scheme that has a strong backing by the government of India. The topmost benefit of a PPF account is that your investment will fetch you a fixed annual interest. Year on year, the central government fixes the interest rate for PPF. Asset Management Companies pool the investment from investors and invest it in different kinds of securities. Returns on <keyword id="490221" type="PERSON" weightage="20" keywordseo="investment-in-gold">investment in gold</keyword> is prone to fluctuations depending on market conditions. Potential of returns in PPF and Gold The annual interest rate of PPF investment is usually around 8%. Since the rate of interest is predetermined, the amount you will earn year on year is fixed and does not carry any risk. Gold assures a reasonable rate of interest most times. However, the present conditions in Indian market shows us that the returns can only be nominal due to gold inflation and devaluation of paper currency happening side by side. If you do not mind the long lock in period in case of PPF, PPF can be a better option. If you do not mind risks and will look for flexibility, then you might want to choose gold for investing. Investment tenure This is a significant point of comparison while choosing between gold and PPF for investing. The minimum investment duration with regard to PPF is 15 years. The first time you can withdraw from the PPF account is only after 5 years. After maturity, it is also possible to renew your PPF account in sets of 5 years. Due to the long investment tenure associated with PPF account, it will highly suit long term savings. If you invest in paper gold, there are quite a lot of investment tenures to choose from. You can always sell physical gold whenever you want, but this process will incur you a loss most times. Tax Savings PPF investment is not taxed until an upper limit of Rs 1.5 lakh in a year. Also, the returns that you get from PPF are exempted from tax. Gains from gold investment is taxed at the rate of 20 percent along with surcharge. If you buy physical gold, you will have to bear the GST charges of 3 percent in addition to the making charges. The other ways to invest in gold include SGBs, gold ETFs and gold mutual funds. The taxes on gains vary between these gold investment-categories.

comparison between Gold vs PPF: which Is better For Investment

<div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div><ul><li><a href="https://markets.businessinsider.com/stocks/zg-stock">Zillow</a> shares fell in after-hours trading Thursday after the company said CEO Spencer Rascoff was leaving his post. Rascoff will remain on the board of directors.</li><li>The real-estate database company named its co-founder and executive chairman, Rich Barton, as its new CEO. </li><li>Zillow shares have plunged 31% in one year.</li><li><a href="https://markets.businessinsider.com/stocks/zg-stock">Watch Zillow trade live</a>.</li></ul>Shares of the real-estate database company Zillow fell as much as 6.5% in after-hours trading Thursday after the company reported fourth-quarter earnings and announced a management shuffle. Zillow said Rich Barton, its co-founder and executive chairman, would return as CEO, replacing Spencer Rascoff. Barton was CEO from the company's founding in 2005 until 2010. Rascoff will stay on the board of directors and co-founder Lloyd Frink will become executive chairman.Here's what the company reported, compared to estimates from analysts surveyed by Bloomberg.<ul><li>Adjusted earnings per share: $0.01 per share vs. $0.02 expected.</li><li>Revenue: $365.3 million vs. $351.2 million expected.</li></ul>The stock was little changed after investors digested the results. Zillow shares have plunged 31% over the past year as the company entered into the mortgage-lending space.<div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div>

Zillow's CEO is out

In terms of how they come to the investor’s aid post retirement, both Public Provident Fund (PPF) and <keyword id="173407" type="ORGANIZATION" weightage="20" keywordseo="National-Pension-Scheme">National Pension Scheme</keyword> (NPS) have their own advantages. We can say both of these are long term investment vehicles. With much in similar between them, they also differ significantly from each other. Understanding their features in detail can help make the right decision and decide which one of these two will suit your specific needs and expectations. Who is eligible for PPF and NPS All Indian residents (not NRIs) are eligible for PPF, which can be understood as a long-term retirement plan. Such demarcations are not applicable in case of NPS. All Indians including NRIs can open an NPS plan provided they are aged between 18 and 60. Minimum and maximum investment possible The lower brackets of investment is similar in both PPF and NPS. The minimum investment to be made in these schemes is Rs 6,000 per financial year with the deposits made 4 to 12 times. The minimum contribution during any given deposit is Rs 500. The upper bracket for these investments differ. The maximum limit of deposit allowed per year in case of PPF is Rs 1,00,000. Though there is no such upper limit for depositing in NPS, it is possible to get tax benefits for up to Rs 1,00,000 in NPS. The condition is that the contribution amount must be within 10% bracket of the total salary of the investor. Return on investment The high returns the pension schemes assure the investors is one of the alluring reasons why a lot of people prefer PPF or the NPS. However, when compared to the PPF, NPS can present a better scope for returns as a portion of the investment is put on equity trading which can mean higher returns. On the other hand, the PPF is all about fixed returns and there is never a scope for any added frills. Rate of return Over a specified period, PPF gives fixed returns in every way. Any changes in this are notified to the investors in advance. However, the returns you can expect on an NPS purely depends on the performance of the fund manager and the combination of the asset class. Talking of the short term benefits, NPS returns are volatile in nature. Through the NPS investment, you have the option of investing about 50% of your invested amount in equity trading and hence the emphasis in this case must be on the long-term. Compared to the PPF, only 50% of the invested amount is on a safer bet. When we talk of the returns, NPS seems to be a better option than PPF. Weighing PPF and NPS against each other Both PPF and NPS have their own unique advantages over the other. If you are looking for a risk free and safe investment option with solid returns, you must think of PPF. On the other hand, NPS comes with two significant benefits namely the safety of the principal as well as the appreciation of the invested amount. Hence the choice is clear once you specify what you expect from your investment.

Comparison between PPF and NPS which is better?

Investment experts advise that your investment portfolio must be a balanced mix of low risk and medium risk investment options. The rule of thumb in investments are lower risk investments get you lower returns and you are likely to get high returns from high risk investments. Nevertheless, most of the time low risk investments provide you stability and guaranteed returns. Depending on how much risk you are willing to take and what kind of flexibility you want, you must choose the investment option that is right for you. For quite long, fixed deposits (FD) and real estate have been among the most popular investment vehicles. However, they are dissimilar products and cater to different kinds of needs of the investors. Depending on whether you are planning for a short term or a long term investment, you must choose between these two options. Here are the considerations you must note while choosing between FDs and Real Estate. Assured returns in FD Most people imagine that property prices will always be on the rise. Once upon a time, property prices in India did shoot up dramatically. It is highly possible that the market will stagnate or prices might drop at some times. At the same time, if you wish to invest with large gains in mind, real estate has more to give you. If guaranteed results and a risk free investment combined with high levels of liquidity is your expectation, it is better to invest in a FD scheme. Profit and affordability People sometimes use all their savings or even take a loan to buy property. This is quite understandable. But, make sure you will be able to sell the property for a profit. It is important to figure out the imbalance between the purchasing power and the skyrocketing rates of real estate in the country. For instance, the price of a 1BHK flats in a top city in India is around 2 crore. If you need to take a 20 year loan to buy this flat, you have to pay EMIs that will be more than a lakh per month. This will mean you must earn between 3 to 4 lakhs per month. Hence when trying to invest in real estate, ask yourself if you can afford it. In case of FD, you need not ask these questions. You can open up a FD account with as less as Rs 20,000 and earn stable returns on it. Additional expenses in Real Estate Besides the payment for the apartment or property, you will have to manage the other expenses while investing in real estate, namely the stamp duty, ownership titles, registration charges, maintenance charges for the property and others. In some cases, the rate of returns guaranteed from <keyword id="35278" type="PERSON" weightage="20" keywordseo="real-estate-investment">real estate investment</keyword> worked out to just 2.5% annually. Compare this with the fixed deposits where the interest rates are far better. This fact goes into say that you must know the market trend in the place where you by the property to be able to make the right decision. Conclusion between FD vs Real Estate Comparing between real estate and <keyword id="7317577" type="UNKNOWN" weightage="20" keywordseo="fd-investment">FD investment</keyword> need to take care of all the above said points. You need to get the property valued and the market conditions thoroughly understood before investing in real estate. If you can mobilize the money to buy the property, can't wait for a long time to sell, you can invest in real estate or FD is a safer and convenient form of investment for you.

Real Estate vs FD which is better for investment?

<keyword id="8144144" type="UNKNOWN" weightage="20" keywordseo="PPF-and-Life-Insurance">PPF and Life Insurance</keyword> are completely dissimilar products. Since <keyword id="6406875" type="UNKNOWN" weightage="20" keywordseo="life-insurance">Life insurance</keyword> protects your family in the unfortunate event of your death, it must always be given the first priority. Once protection is assured, then you can start focusing on other goals of your life including the education and marriage of your children and your retirement. However, if you want to compare between the two as investment options, here are the facts to consider. <keyword id="76579" type="CITY" weightage="20" keywordseo="PPF">PPF</keyword> overview PPF expanded as Public Provident Fund is an investment scheme backed by the government. In a PPF account, an investor can deposit a minimum of Rs 500 and a maximum of Rs 1.5 lakhs per financial year. If this criteria is met, Section 80 C assures tax exemption for the principal, returns and the maturity amount. Life insurance overview Life insurance schemes require that you pay the premium at regular intervals in order to be eligible for the protection. How much risk cover the given policy provides depends on the sum assured by the policy. Depending on the type of life insurance purchased, the assured sum is paid out in the event of the death of the policy holder or upon the maturity of the plan. Comparing between PPF and Life Insurance plans Your investments in both PPF and life insurance are safe and legal. While PPF is a central government backed scheme, life insurance products are offered wither by the government-owned Life Insurance Corporation (LIC) or by some private insurance companies that are regulated by the government body IRDAI. Returns PPF investments assure 8.7 % yield as per the present interest rates. The returns are compounded yearly. The returns in a Life Insurance plan differs between policies and between the provider companies. The death benefit of a life insurance plan is several times the invested amount depending on the time of death of the policy-holder. The yield on the maturity benefits can be between 4% and 6%. Flexibility The investor can choose to invest anywhere between Rs 500 and Rs 1.5 lakhs per year in a PPF scheme and hence the amount that can be invested in flexible. In case of Life insurance plan, the premium payable is fixed and is never flexible. The premium payable varies between different life insurance plans depending on the sum assured in the event of death of the policy-holder. In general terms, the minimum lock-in period after which you can encash or surrender the life insurance policy is 3 years. After this lock in period, you can take a loan on the policy. In case of PPF, you can withdraw from every 7th financial year from the date of opening the account. There are restrictions on how much you can withdraw and the plan cannot be closed until the 15th year. Status as a financial instrument A life insurance policy is a kind of property carrying a legal status. You can mortgage, transfer, gift, sell, or hypothecate it provided you meet the applicable laws. You can also take a loan on the policy from the insuring company. Whereas, a PPF cannot be hypothecated or used for collateral purposes. Final word Since the best stand regarding investments is protection first and savings next. In this way, only when you have protected your family with the right kind of Life Insurance plan, you can think of saving in a PPF scheme.

comparison between PPF vs LIC which is better

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">Mark Wallheiser/Getty ImagesRepublican presidential candidate Donald Trump greets supporters after his rally at Ladd-Peebles Stadium on August 21, 2015 in Mobile, Alabama.</div></div></div>Real-estate magnate Donald Trump's presidential bid has polarized the 2016 race down racial and ethnic lines.<a href="http://www.langerresearch.com/wp-content/uploads/1144a51ClintonTrumpBushBiden.pdf">A new Washington Post/ABC poll out on Wednesday</a> shows the key to Trump's strength: His surging popularity among white voters.The Post/ABC poll shows that the current Republican front-runner's favorability has grown 4% in the last month. All of that increase came from white voters, whose favorability of Trump increased 6% over that same period.White voters overall are now split on their opinion of Trump. According to the poll, 48% of white voters see Trump favorably, compared to 49% who see him unfavorably.Meanwhile, Trump's support among non-white voters is virtually non-existent. Black and Latino voters overwhelmingly dislike Trump - 79% of people in both groups responded that they held a negative view of the real-estate magnate. Despite increasingly negative numbers from Latinos, Trump continues to insists that he will "win the Latino vote" by helping to create jobs.Some Democrats, though are hoping to use the real estate magnate's controversial statements about immigration to <a href="http://www.businessinsider.com/donald-trump-may-be-dooming-the-gop-with-a-10-chunk-of-the-electorate-2015-8">help boost voter registration and motivate Latinos to vote</a> for their nominee.<div class="KonaFilter image-container display-table"><div><div class="image on-image">Thomson ReutersRepublican presidential candidate Trump gestures and declares </div></div></div>Wednesday's poll further shows the polarization of the electorate has fully crossed over into the presidential race. Clinton, for example, is in far worse shape than Trump among white voters. The former secretary of state is viewed favorably by only 34% of white voters, while 65% view her negatively. That compares with a non-white electorate that views her favorably by a 71-26 split.Clinton's favorability among Democrats has remained around 80%, while her unfavorable numbers among independents has risen by 10%. Trump is now faring slightly better among independents, with favorability split at 41-54 among independents while Clinton's sit at 39-59. Although Clinton continues to face intense scrutiny, mostly over her <a href="http://www.businessinsider.com/hillary-clinton-email-scandal-bremmer-obama-administration-officials-2015-8" target="_blank">use of a personal email server as secretary of state</a>, she's still in a slightly better position than the Republican front-runners. She's more popular among Democrats than Trump or Bush are among the Republican base. But Trump's candidacy has shown that even candidates with high name recognition and high unfavorability can turn their numbers around - <a href="http://www.businessinsider.com/donald-trump-favorability-iowa-poll-2015-8">Trump is now viewed favorably by many likely Republican primary voters in key states</a>. And <a href="http://www.businessinsider.com/poll-donald-trump-gop-nominee-2015-8">Republicans are also increasingly beginning to believe </a>that he has a good shot at being the nominee.Here are the favorability numbers of the four candidates tested in the poll:<ul><li>37% of voters view Trump favorably, vs. 59% that view him unfavorably.</li><li>38% of voters view former Florida Gov. Jeb Bush (R) favorably, vs. 55% who view him unfavorably.</li><li>45% of voters view Clinton favorably, versus 53% who view her unfavorably. The Washington Post notes that this is the highest unfavorable number for Clinton since April 2008, only a few months before she dropped out of the race.</li><li>46% of voters view Vice President Joe Biden favorably, vs 46% who view him unfavorably.</li></ul> <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/sharks-spotted-coast-england-2015-7">People were baffled by 50 sharks circling in shallow waters off the English coast</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="R1c2tjdjrwFAGrHUqd0W71KfHPLzHONw" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

Donald Trump is rapidly becoming one of the most polarizing candidates in recent memory

Investors expect low risk, tax savings and high returns as some of the desirable characteristics from the investment vehicles they choose. PPF and share market investments fulfill these expectations to a great extent and hence they are some of the most popular investment options. Here we compare between these two and decide which one among them is the better one for investors. Risk factor in PPF and Share Market PPF is a government backed scheme. Hence your investment is safe in PPF. One of the biggest advantages of PPF account is that your invested amount will earn a fixed interest over the year. The interest rate of the PPF scheme is revised year on year by the central government. Share Market investments are administered by Asset Management Companies. These companies operate the mutual fund schemes by pooling in the investments from the investors and investing the accumulated amount in several kinds of securities. Share market investment cannot assure a fixed return. However, in most cases, the returns can be higher than that of PPF. Share market investments also carry more risks than PPF. Returns from investment Generally, the annual rate of interest of PPF is around 8%. PPF assures fixed returns. Without any risks, you can hope to earn the interest applicable year on year. There are different kinds of share market investments and the returns differ depending on the scheme you choose. Liquid funds provide returns ranging from 7% to 9% per year. There are also equity funds that can give you 10% to 15% per year. One downside to share market investments is that there is no guarantee of return and the returns depend on market conditions. Investment tenure The duration of investment is one of the main criteria that separate PPF and share market investments apart. The minimum investment duration of a PPF scheme is 15 years. Due to its long tenure, PPF is an ideal type of investment for long-term savings. Share market investments do not carry any fixed tenure. It is possible to invest in a fund for as little as 6 months and you can choose to invest in share market schemes as long as you want. This high degree of flexibility that the share market investment provides investors proves ideal for investors who want more liquidity. Tax savings PPF investment is eligible for tax exemption for a maximum limit of Rs. 1.5 lakhs per year. The returns that result from the PPF investment are also exempted from tax under Section 80C of the Income Tax Act. Choosing between PPF and Share Market PPF and share market investments have their own advantages and disadvantages. The decision on which one to choose for investing depends on what you expect from your investment. If you expect the safety of investment combined with tax benefits and fixed returns, PPF is the best option to choose. If you are willing to take risks in return for higher returns, you can choose from share market investment options.

Comparison share market Vs PPF: Which is better for investment

As investment instruments, <keyword id="76579" type="CITY" weightage="20" keywordseo="PPF">PPF</keyword> (Public Provident Fund) and <keyword id="45027" type="ORGANIZATION" weightage="20" keywordseo="EPF">EPF</keyword> (Employees' Provident Fund) have a lot of things uncommon between them. Basically speaking, the decision to invest in a PPF scheme rests with the investors while EPF is automatically deducted from the salary of the salaried class of people. Both these investment options enable the investors cave on taxes. Section 80 C of the Income Tax Act of 1961 makes both <keyword id="8113458" type="UNKNOWN" weightage="20" keywordseo="PPF-and-EPF">PPF and EPF</keyword> investments eligible for a range of income tax benefits. Overview of EPF and PPF In India, two types of provident funds are popularly known namely Employees’ Provident Fund or EPF and Public Provident Fund or PPF. Under the existing regulations, EPF is automatically deducted from the salary of the salaried class individuals by their employees and paid into their respective EPF accounts maintained with the EPF department under the auspices of the Government of India. The choice to invest in a PPF scheme solely rests with the investor. This means that if you are a salaried individual, you do not have a choice not to subscribe to the EPF scheme. Hence, the deductions will be invariably made from your salary to be invested into your EPF account. But, whether you wish to invest in a PPF scheme is purely optional. EPFO or Employees Provident Fund Organization is a retirement fund body that governs the EPF scheme. PPF scheme is offered by the Government of India through banks and post offices. How do these schemes compare Interest rates The government decides the interest rate of PPF year on year depending on several factors related to the country’s economy. Over the past several years, the interest rate of EPF contributions had never come down below 8.5 percent. The government decides the interest rates of PPF during every quarter. For the quarter ending in June 2018, the interest rate for PPF investments was fixed at 7.6% for example. Since the PPF investments come under the Exempt, Exempt, Exempt category, the returns are completely exempt from taxes. The principal amount, the maturity amount and the benefits earned on the investment are all qualified for tax exemption. How the EPF and PPF schemes operate If an individual works with a company that has more than 20 people on its rolls, EPF deduction is compulsory. The salaried employee contributes about 12 percent from their monthly salary towards EPF. The employer has to contribute an equal share of 12 percent which will be deposited in the employee’s account along with the employee’s contribution. Any citizen who is a resident of India can open a PPF account. To open a PPF account it is not necessary that the individual must be a salaried person. Members of Hindu Undivided Families (HUF) cannot open a PPF account. The tenure of investment in case of a PPF account is 15 years. Once this period expires, the investment can be extended for another 5 years. From the third financial year of opening the account, the investor can take a loan from the PPF account. From the seventh financial year, the investor can make partial withdrawals from this account.

What is the difference between PPF and EPF

In assuring convenience and safety over several other kinds of investments, Fixed Deposit (FD) and PPF (Public Provident Fund) are highly popular investment options. Though both of them are investment instruments, there are some stark differences between them that are worth considering for the purpose of making the right choice. If you are wondering which one is the right kind of investment option for you, the discussion hereunder will give you some useful points to weigh their pros and cons. <keyword id="8078727" type="UNKNOWN" weightage="20" keywordseo="fd-and-ppf">FD and PPF</keyword> differ substantially from each other Both these modes of investments offer a great degree of convenience to the investors. Nevertheless, the differences between them are substantial. Each of them come with their own unique set of characteristics that are important for customers. Here we compare the different features of FD and PPF. FD and PPF - Comparison Tenure PPF comes with a rigid tenure. This means the investment you make will be locked in for 15 years. There are no other flexible tenures offered to the customers when it comes to PPF. On the other hand, FDs come with flexible tenures ranging from 12 months to 60 months. While the investor can choose the tenure of his investment in case of FD, it is not possible to do so with regard to PPF. Premature withdrawal The amount invested in PPF can be withdrawn only after 5 years. Even then the amount you can withdraw is limited. Hence for all practical purposes, you can say you have no control over the amount invested in PPF for the entire tenure of the investment. On the other hand, it is possible for you to withdraw the amount invested in FD during any point of time when you come across a need. You can close a FD prematurely or can avail of a loan against them. Tax benefits Section 80C of the taxation laws in India makes it possible to earn tax benefits on both PPF and FDs. In order to avail of the tax benefit for investing in FD, you must invest the amount for a specific period of time. Loans The investor can avail of loans against PPF only after the PPF investment completes 3 years. However, you can get a loan against FD during any point of time. You can get loans up to 75% on cumulative FDs and up to 60% on non-cumulative FDs. Limit on deposits In PPF, you can invest only up to 1.5 lakhs in a year. There is no upper limit on how much you can invest in a FD in a year. Rate of interest In case of PPF, the rate of interest is set by the government. The rate of interest of FDs are set by individual banks NFBC. Final word As an investment instrument, FD offers more flexibility than PPF. If you are keen to take advantage of the benefits of FD, do some research to find out which bank is offering the best interest rate on a FD and make your investment decision.

FD and PPF which is better?

Long-Term vs. Short-Term Real Estate Investment

The different government schemes of investment have gained immense popularity among the public in India as they assure the best investment rates and are highly affordable and accessible to all. The different kinds of state-owned small savings investment vehicles also enable the investors for some attractive tax benefits. In terms of assuring the highest returns, the two most popular savings schemes available with the post offices are Public Provident Fund (PPF) and <keyword id="162207" type="PERSON" weightage="20" keywordseo="Kisan-Vikas-Patra">Kisan Vikas Patra</keyword> (KVP). Hereunder we compare between these two investment vehicles to understand them better. KVP (Kisan Vikas Patra) While choosing to invest in KVP, individuals can earn up to 7.6% interest on their invested amount. Similar to what is done in PPF account, the interests are compounded annually. The start the investment, you need to invest a minimum of Rs 1000. There is no maximum limit for your investment. The investment amount will double in 112 months. KVP certificates can be purchased from any post office. Nomination facility is available. Certificate is transferable between post offices and between persons. From the date of issue, you can get back the money on your certificate after two and half years if there is a need for you. PPF (Public Provident Fund Account) This scheme gives 8% <keyword id="37018" type="PERSON" weightage="20" keywordseo="interest-rate">interest rate</keyword> over the invested amount. The interest is compounded annually int his case. It is possible to invest as low as Rs. 500 and up to a maximum limit of Rs. 1.5 lakhs per year. You can also choose to make the deposit in lump sum or in installments. You need to open this account with Rs 100 and have a minimum deposit of Rs 500 in it to be able to operate it. The maturity period is 15 years but it can also be extended to five more years eventually. You cannot close the account before 15 years. Starting from the 7th financial year of opening the account, you can start withdrawing cash if you want. From the 3rd year, loan facility is also available. Points of comparison between KVP and PPF Interest rate The rate of interest from 1st July 2019 on KVP is 7.6%. This is considerably lesser than what you get on PPF. Also the other benefits that you have in PPF are not available in Kisan Vikas patra. Deduction under Section 80C Under Section 80C, investments made in PPF can enable you for a deduction of Rs. 1,50,000 in a financial year. However, investments in KVP are not eligible for tax deductions. Tax on the interest earned As it is considered under the accounting category ‘income from other sources’, the amount you earn as interest on the deposits in KVP is taxable, while it is not taxable in case of PPF. Lock in period The lock in period is quite high in case of KVP as against the kind of flexibility you enjoy with a PPF scheme. Even in case of PPF, experts advise that you can think of investing to an upper limit of Rs. 1,50,000 per annum and then choose other kinds of investment options in order to maximize your tax savings.

Kisan Vikas Patra Vs Public Provident Fund(PPF) which is better?

<ul class="summary-list"><li>Point2, a real estate platform, analyzed the return on investment in <keyword id="11893902" type="UNKNOWN" weightage="60" keywordseo="bitcoin" source="Orion">bitcoin</keyword> vs. US homes between 2017 and 2021. </li><li>The company assumed an initial investment equal to a 20% down payment for the median home in each of the 100 largest US cities.</li></ul>A person who put a down payment on a home in Manhattan five years ago would lose money if they tried to sell that place today, while an investment in <a href="https://markets.businessinsider.com/currencies/btc-usd">bitcoin</a> would have allowed them to rake in nearly $20 million. Those are part of the findings of a <a href="https://www.point2homes.com/news/us-real-estate-news/bitcoin-vs-real-estate-investment.html">recent analysis by Point2</a>, a Canadian real estate platform that compared returns for an investment made in 2017 in bitcoin or in US residential real estate.Prices for the cryptocurrency and US homes have each climbed since 2017. However, "bitcoin price appreciation blew home price increases out of the water," the company said. Bitcoin has piled on roughly 6,100%, trading at $61,900 at the start of November from around $998 when trading in 2017 got underway, <a href="https://www.coindesk.com/price/bitcoin/">according to CoinDesk data</a>. Meanwhile, the median sales price of houses sold in the US had increased by 29% in the same period, to $404,700 in the third quarter of 2021 from $313,100 in the first quarter of 2017, according to figures from the US Census Bureau cited <a href="https://fred.stlouisfed.org/series/MSPUS">by the Federal Reserve Bank of St. Louis</a>. "The fear of taking big risks is what has kept many from investing," and "as many of the people reading about home prices and bitcoin can attest, regret can truly sting," the platform said in a late November statement about its analysis. ​​To compare the two assets, Point2 analysts assumed an initial investment equal to a 20% down payment for the median home in each of the 100 largest cities in the US cities, based on 2017 prices. In the highest-priced residential real estate <keyword id="11893875" type="UNKNOWN" weightage="100" keywordseo="markets" source="Orion">markets</keyword> in the US, a 20% down payment in Manhattan in 2017 would've run at around $290,000, while San Francisco would've required $250,000. Translated to crypto, that down payment would've bought 301 bitcoins and 260 bitcoins in those respective cities. In "the spirit of regretfully looking back," Point2 found that the big winners would've been bitcoin investors in Manhattan and San Francisco."Had they decided to invest in bitcoin an amount equal to the median down payment in 2017, they would have had more than $18 million and $16 million in their crypto wallets today," the company said. To be sure, Manhattan was the biggest outlier. The NYC borough logged the "most spectacular gap" between real estate and bitcoin earnings. Home prices dropped by 31% over the five-year period to a median price of $1,000,000. "[Someone] who invested in a home in 2017 would lose money if they tried to sell it now," it said.At the other end of the list, Point2 weighed a 2017 home down payment of $6,552 in Detroit against a crypto investment of 7 bitcoins. Over the five years, the person in Detroit would've made about $45,000 in real estate gains and about $680,000 in bitcoin. Real estate is the more well-established investment choice, but bitcoin has "come a very long way since its humble beginnings," said Point2. "In hindsight, not investing in bitcoin, and massively at that, seems like a huge mistake. However, factoring in the asset's high volatility brings things back into perspective," it said. "That's because investing in such a high-risk asset is not immediately and obviously advantageous to the majority of people."

You Searched For "compare real estate vs ppf" and got 15 results

Comparision between Real Estate Vs PPF -- which is better for investment?

BI India Bureau

PPF Vs SIP: Which is better for investment?

BI India Bureau

Gold vs Real Estate which is better for investment?

BI India Bureau

comparison between Gold vs PPF: which Is better For Investment

BI India Bureau

Zillow's CEO is out

Rebecca Ungarino

Comparison between PPF and NPS which is better?

BI India Bureau

Real Estate vs FD which is better for investment?

BI India Bureau

comparison between PPF vs LIC which is better

BI India Bureau

Donald Trump is rapidly becoming one of the most polarizing candidates in recent memory

Maxwell Tani

Comparison share market Vs PPF: Which is better for investment

BI India Bureau

What is the difference between PPF and EPF

BI India Bureau

FD and PPF which is better?

BI India Bureau

Long-Term vs. Short-Term Real Estate Investment

Kisan Vikas Patra Vs Public Provident Fund(PPF) which is better?

BI India Bureau

Bitcoin versus home prices: Here's how the crypto has performed against the residential property market over the last 5 years

Carla Mozée

Popular Keywords

Buying Guides