National Pension Scheme: You can get Rs 44.793 per month by opening an account in the name of your wife. With this, your wife will not only become self-reliant, in your absence there will be income per month in the house and in future your wife will not have to depend on anyone for money.
Open account in wife’s name
You can open an NPS account in the name of your wife. The NPS account will not only give a lump sum amount to your wife on attaining the age of 60 years, but she will also get an income in the form of pension every month. You can decide for yourself how much pension your wife will get every month from this account.
You can deposit money in the New Pension System account every month or yearly as per your convenience. You can open an NPS account in the name of your wife with just Rs 1,000. The account matures when the wife attains 60 years of age. Under the new rule, if you want, you can run it till the age of 65 years.
Monthly income up to 45 thousand
Under the information given about this pension, if your wife is 30 years old and you invest Rs 5000 every month in her NPS account. If he gets 10 per cent return on investment annually, then at the age of 60, he will have a total of Rs 1.12 crore in his account. They will get around Rs 45 lakh out of this. Apart from this, they will start getting pension around Rs 45,000 every month. The most important thing is that they will continue to get this pension for life.
Understand NPS at a glance
- Age – 30 years
- Total investment period- 30 years
- Monthly Contribution – Rs 5,000
- Estimated return on investment – 10%
- Total Pension Fund – Rs 1,11,98,471
- Amount to buy annuity plan – Rs 44,79,388
- Estimated annuity rate 8% – Rs 67,19,083
- Monthly pension- Rs 44,793.
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