Cybersecurity Habits That Stick Long Term

Cybersecurity isn’t just about installing antivirus software or updating your operating system once in a while. It’s about building habits—consistent, everyday practices—that protect your digital life over the long term. Just like brushing your teeth prevents cavities, strong cybersecurity habits prevent data breaches, identity theft, and financial loss. In this guide, we’ll explore the most effective cybersecurity habits that stick long term, why they matter, and how you can integrate them into your daily routine. Why Cybersecurity Habits Matter Technology evolves rapidly, and so do cyber threats. Hackers are constantly finding new ways to exploit vulnerabilities. A single careless click can expose sensitive information. Long‑term habits ensure that you’re not just reacting to threats but proactively preventing them. Core Cybersecurity Habits That Stick Long Term Use Strong, Unique Passwords Never reuse passwords across accounts. A strong password should include uppercase and lo...
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Which is the best tax saving scheme?

In today's time, every person wants to save as much as possible from his hard-earned money. If you choose the right tax saving scheme, then along with saving tax, you can also create a good fund for your future.

In this blog, we will tell you about the best tax saving plans , so that you can choose the right plan according to your needs.

1. Public Provident Fund (PPF) – The Safest Scheme

  • Tax exemption: Up to ₹1.5 lakh under section 80C
  • Interest Rate: Around 7.1% (fixed by the government)
  • Lock-in period: 15 years
  • Risk: Absolutely safe (Guaranteed by Government)

Why choose us?

  • Safe and long term savings plan
  • Investment, interest and maturity amount – all three are tax free
  • Partial withdrawal can be done after 7 years

2. Equity Linked Savings Scheme (ELSS) – Highest Returning Scheme

  • Tax exemption: Up to ₹1.5 lakh under section 80C
  • Interest Rate: 12-15% (on average)
  • Lock-in period: 3 years
  • Risk: Depends on the stock market

Why choose us?

  • Lowest lock-in period (only 3 years)
  • Higher returns than other tax saving schemes
  • Investing in the long term can give good returns

3. National Pension Scheme (NPS) – Best scheme for retirement planning

  • Tax exemption:
    • Up to ₹1.5 lakh under section 80C
    • Additional ₹50,000 under section 80CCD(1B)
  • Interest Rate: 8-10% (on average)
  • Lock-in period: Till the age of 60 years
  • Risk: Depends on stock market and bonds

Why choose us?

  • Great returns for the long term
  • Source of regular income after retirement
  • Government-backed scheme

4. Employee Provident Fund (EPF) – Best for salaried people

  • Tax exemption: Up to ₹1.5 lakh under section 80C
  • Interest Rate: Around 8.15% per annum
  • Lock-in period: Till the tenure of employment
  • Risk: Absolutely safe

Why choose us?

  • Investment by deducting salary every month
  • Funds can be transferred when you change jobs
  • There is no tax on interest

5. Tax Saving Fixed Deposit (FD) – The Easiest and Safest Way

  • Tax exemption: Up to ₹1.5 lakh under section 80C
  • Interest Rate: 6-7% per annum
  • Lock-in period: 5 years
  • Risk: Absolutely safe

Why choose us?

  • One can easily invest in the bank
  • Ideal for seniors as it is risk-free
  • Interest rate is slightly higher as compared to other FDs

6. Sukanya Samriddhi Yojana (SSY) – Best for daughter’s future

  • Tax exemption: Up to ₹1.5 lakh under section 80C
  • Interest Rate: Around 8% per annum
  • Lock-in period: 21 years (or partial withdrawal when daughter turns 18)
  • Risk: Absolutely safe

Why choose us?

  • Ideal for education and marriage of daughters
  • Interest rate is higher than PPF
  • Both investment and interest are tax free

7. Senior Citizen Savings Scheme (SCSS) – Most beneficial for the elderly

  • Tax exemption: Up to ₹1.5 lakh under section 80C
  • Interest Rate: Around 8.2% per annum
  • Lock-in period: 5 years
  • Risk: None (Government Guarantee)

Why choose us?

  • Assured income after retirement
  • Higher interest rate than other schemes
  • Available at banks and post offices

8. Health Insurance – The best way to save tax on medical expenses

  • Tax exemption:
    • Up to ₹25,000 for self and family
    • Up to ₹50,000 for parents
  • Risk: none

Why choose us?

  • Protection from huge hospital expenses
  • Health cover along with saving tax
  • Higher discounts for senior citizens

Which is the best tax saving scheme?

If you…

  • Want a completely safe plan → PPF, EPF, Tax Saving FD, Sukanya Samriddhi Yojana
  • Want good returns → ELSS, NPS, SCSS
  • Want the lowest lock-in period → ELSS (3 years), Tax Saving FD (5 years)
  • Retirement planning → NPS, SCSS
  • Want to save for your daughter → Sukanya Samriddhi Yojana
  • Want to save tax with health insurance → Health Insurance (80D)

conclusion

If you want to save tax as well as plan for the future, then choosing the right scheme is very important.

  • If you want safe investment for the long term , then PPF, EPF, and Sukanya Samriddhi Yojana are the best options.
  • If you want higher returns , then ELSS and NPS are better.
  • If you are planning for retirement , then you can choose NPS and SCSS .

Choose the right option from these schemes for tax saving and make the right investments to secure and grow your money!

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