What are the things to keep in mind while investing in NPS?
3 years ago

What are the things to keep in mind while investing in NPS?

Live Mint  

The National Pension System is a voluntary, defined contribution retirement savings plan that enables subscribers to make the best decisions for their future by saving consistently throughout their working lives. Individual deposits are pooled into a pension fund, which is then invested by PFRDA-regulated professional fund managers in diverse portfolios of government bonds, bills, corporate debentures, and shares, according to authorised investment criteria. Option to choose between auto and active choices Active choice allows investors to allocate their assets to specific asset classes such as equity funds, government debt funds, and corporate debt funds. For example, If UT Retirement Solutions Limited is chosen as your fund manager, your assets will be managed by them across all asset classes, including equity and corporate debt. Unlike trailing returns, which are subject to blind optimism, and point-to-point returns, which are period-specific, rolling returns objectively reflect a fund’s absolute and relative performance across all timescales.

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NPS, PPF, or mutual funds: Which SIP investment should you opt for?
1 month ago

NPS, PPF, or mutual funds: Which SIP investment should you opt for?

India Today  

When it comes to investing in a systematic investment plan, there are several options available—Public Provident Fund, National Pension System, and mutual funds. Mutual funds via SIPs offer greater flexibility, but they require patience during both bull and bear markets. Since mutual funds depend on market performance, they carry higher risks but also the potential for higher returns. Those seeking …

How to determine the best asset allocation for your NPS Investments?
2 years, 3 months ago

How to determine the best asset allocation for your NPS Investments?

Live Mint  

The NPS is an excellent investment vehicle for employees across sectors, private and government. Active and Auto Choices In Active Choice, the subscribers choose their asset allocation with certain limits - A maximum of 75% in equity till 50 years. There are three investment Life Cycle Funds choices: Aggressive Life Cycle Fund - These funds have an upper limit of …

How to choose a fund manager to make the most of your NPS account?
2 years, 4 months ago

How to choose a fund manager to make the most of your NPS account?

Live Mint  

The National Pension Scheme is one of the best and most popular voluntary retirement programmes in India. Pension funds registered under NPS Under NPS, the subscriber is mandated to select one Pension Fund Manager which is as follows as per the website of NPS Trust. Nidhi Manchanda, Certified Financial Planner, Head of Training, Research & Development at Fintoo said “NPS …

NPS scheme: 5 reasons to opt this plan for better return with minimum risk
2 years, 7 months ago

NPS scheme: 5 reasons to opt this plan for better return with minimum risk

Live Mint  

NPS scheme: The National Pension System is a unique pension plan backed by the Government of India, which provides both equity and debt exposure in single investment. Speaking on the reason for NPS scheme gaining popularity among investors, Ajit Kumar, Chief Strategy Officer at KFintech said, "One of the reasons NPS is growing in popularity is its highly simple and …

NPS To Soon Have Risk Rating System; Know How You Should Pick Best Pension Scheme
2 years, 9 months ago

NPS To Soon Have Risk Rating System; Know How You Should Pick Best Pension Scheme

News 18  

Schemes under the National Pension System will soon have ratings that will inform investors about the level of risk involved in a particular scheme that they are opting to invest in. The investment under various asset classes of the Schemes of Pension Funds would involve different level of risks for subscribers and, therefore, it is desired that the adequate disclosure …

Before you invest in NPS, understand its risks, liquidity and cost
3 years, 8 months ago

Before you invest in NPS, understand its risks, liquidity and cost

Live Mint  

The National Pension System is a voluntary retirement savings scheme that was opened for the general public in 2009. Let’s understand how you can go about choosing the right fund manager and choosing between the active and auto choice options under NPS. View Full Image Mint Choosing the fund manager: Currently, there are seven portfolio managers under NPS. So, if …

The NPS change that will have a big impact on retirement planning
6 years, 2 months ago

The NPS change that will have a big impact on retirement planning

Live Mint  

The biggest challenge for individuals retiring in our country has been the lack of a social security system to provide a meaningful family pension income post retirement. While there have been multiple changes in the NPS over the years, one of the recent changes made in the NPS, which allows higher equity exposure, has a very significant impact on retirement …

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