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Maximise your retirement savings by monitoring and optimising your National Pension System portfolio.
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NPS is built with retirement in mind -- it combines tax benefits, low cost, flexibility, and structured investment planning—making it one of the most comprehensive retirement products available for Indian investors
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The National Pension System offers IT professionals a tax-efficient, low-cost, and long-term investment option—ideal for those seeking stable retirement planning with equity exposure.
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India continues to rank poorly on pension readiness – a 2023 study on pension readiness ranked India at 47 out of the 48 countries surveyed, highlighting the gaps on all the parameters that signify a pensioned society – coverage, adequacy and integrity of pension systems
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According to the PFRDA data, AUM of the NPS stood at Rs 13.55 lakh crore as on November 30, 2024, as compared to Rs 11.72 lakh crore as on March 31, 2024.
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Scheme C in the non-government sector has delivered an average return of 9.4 percent over the last 15 years, outperforming corporate bond funds managed by mutual funds at 7.4 percent. Scheme G in the non-government sector has achieved an average return of 8.8 percent, Mohanty said.
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Atal Pension Yojana scores over other retirement-related investment products considering its guaranteed pension assured by the government, modest contribution by the subscriber, superior annuity model and tax benefits. It is an ideal approach for both husband and wife to enrol in APY and receive a pension as much as Rs 10,000.
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Union Budget 2024 expectations: Under current rules, investing up to Rs 50,000 in their NPS Tier I accounts gives taxpayers another head under which to decrease their liability. But financial planners believe that this amount is too low to contribute significantly to a retirement corpus, and want the limit on this deductible component raised to incentivise savings.
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Union Budget 2024: Under current rules, investing up to Rs 50,000 in their NPS Tier I accounts gives taxpayers another head under which to decrease their liability. But financial planners believe that this amount is too low to contribute significantly to a retirement corpus, and want the limit on this deductible component raised to incentivise savings.
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The current pension bill at 5.3 percent starkly contrasts with 2.1 percent of the budget spent on pensions in 1990-91 and 4 percent at the turn of the 21st century.
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In the NPS balance lifecycle scheme, the debt proportion will increase after 45 years of age. Existing NPS subscribers will also be allowed to move to the new scheme, he said.
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Equities must be present in everyone’s portfolio, but that doesn’t mean you should take unnecessary risks. A simple combination of a Nifty 50 index fund and a Nifty 150 index fund might just be what the doctor ordered.
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Several unions of railway employees and workers have threatened to stop all train services across India from May 1 if their demand to implement the OPS is not met.
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Ideally, employer’s contribution of up to 14 percent should be eligible for tax breaks, in line with the rules for government employee. However, to start with, it needs to be brought on par with the employees’ provident fund (EPF) contribution limit of 12 percent, feels the pension regulator.
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The company has a dominant market position in e-governance space, unique business moats, and healthy financials
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The body that regulates retirement planning organisations is also aiming to enrol 13 lakh new non-government individuals under the Nation Pension System in FY24.
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The scheme is required as per the PFRDA Act and is in the works, but the cost, too, will go up due to the element of guarantee, says PFRDA chairman Deepak Mohanty
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A Moneycontrol rolling return analysis on the NPS data available from the Handbook of NPS Statistics (2023) shows that all the Tier – 1 equity schemes struggle to beat the Nifty 100 – TRI while the Tier – 1 Corporate bond schemes and Government securities schemes comfortably beat the relevant categories of mutual fund counterparts
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Both the schemes are pension schemes run under government norms.
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The setting up of the committee to look into the matter comes at a time when several states have made a move back to the Old Pension Scheme
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Are you looking for ways to save the tax on your income? In this video, we tell you five tax-saving instruments, divided on the basis of the minimum investment tenure and the rate of returns so you can select as per your requirement and choice. Watch!
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States including Rajasthan and Jharkhand have asked the central government to return the corpus collected under the New Pension Scheme. However, the Union finance ministry says there is no provision under which the corpus can be returned.
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Allocation to midcap stocks aside, tax benefits under Section 80C and Subsection 80CCD (1B) also make National Pension System attractive
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After this decision, the payment option via credit card for tier-1 account holders of NPS will continue, whereas for tier-2 account holders, the facility is no more available.
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