By Admin 
Whenever it comes to safe investment in India, the first name that comes to people’s mind is Fixed Deposit (FD). FD has long been considered a reliable investment option, because there is almost no risk of losing money in it. Investors earn fixed interest by depositing money in bank or post office, but in the last few years, the interest on FD does not seem that attractive to many people. Due to rising inflation, investors want their money to give slightly higher returns, so that future expenses can be easily met.
For this reason, some people move towards risky investment options in the hope of earning more. However, it is not necessary that you have to take more risk to get more returns. There are some schemes of the Government of India which are safe as well as have the potential to give better returns than FD. The biggest advantage of these schemes is that by investing in them, your money remains safe and good savings are also created for the future. So let us know in which government scheme one gets more returns than FD and pension is also arranged.
Which government scheme gives higher returns than FD?
The National Pension System (NPS) scheme has been specifically designed keeping retirement planning in mind. If a person wants to invest for a long time and also wants to arrange regular income after retirement, then NPS can be for him. How to get returns?
What is NPS scheme?
NPS is a government pension scheme, which has been specially started to make people financially secure after retirement. In this scheme, investors’ money is invested in different financial instruments like bonds, government securities and stock market. The objective of the scheme is to get better returns on investment in the long run and to create a good fund at the time of retirement.
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How to get returns?
The money invested in NPS is managed by professional fund managers. This money is invested in different asset classes, such as government bonds, corporate bonds or equity (stock market). For this reason, this scheme has the potential to give good returns in the long run. Generally, there is a possibility of getting returns of about 8 percent or more, which can sometimes be better than FD.
You get benefits after retirement
The biggest advantage of NPS is that it not only provides investment but also pension facility. When the investor reaches the age of 60 years, he can withdraw a portion from his NPS account and start pension from the remaining amount. This provides regular income after retirement and reduces financial worries. Apart from this, one also gets the benefit of tax saving by investing in this scheme, which makes it more attractive. NPS account usually lasts till the age of 60 years, but if the investor wishes, he can continue it till the age of 70 to 75 years also. This increases the investment time and the fund can become even bigger.
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