National Pension System (NPS) Fully Explained | Paisa Vaisa Podcast ft. HDFC Pension
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Пікірлер: 15
@rajek8676Күн бұрын
clear my all daubt about NPS ..thank both
@akishaha3 ай бұрын
One of the best eye opener on NPS from the actual fund manager itself.
@DennyJohny3 күн бұрын
Everyone calls NPS a low-cost option, but I'm not sure in what sense. In mutual funds, we only pay 0.001% STT, with no other charges. The expense ratio is already factored into the daily NAV, so the XIRR reflects the return after expenses. However, in NPS, units are deducted from our account as fees, so simply comparing XIRR with mutual funds is not sufficient.
@jayakaranilkumar5932Ай бұрын
One of the best videos I have come across regarding the features of NPS
@manpreet07844 ай бұрын
This is by far the best video I have watched on the topic of NPS. Thanks so much to both the host and the guest. This is really helpful.
@TarunKalathil4 сағат бұрын
This was really helpful!!!
@TarunKalathil4 сағат бұрын
What happens to the annuity corpus after the death of the individual? Does it go to nominee or it's not accessible at all?
@anweshsingh91642 ай бұрын
Nps tier 2 does not tell clearly about tax implications on withdrawal . This is a grey area. Next is annuity part - fix pension is an issue . You will get same pension on first month of retirement and even after 20 years of retirement which will very very less at that time…
@DennyJohny3 күн бұрын
Imagine you are investing 1 lakh every year (50K self and 50K employer) starting at the age of 25. By the time you reach 40, you stop working, and by 50, your account has grown to 2 crore rupees. Now, what would you do if you have a medical condition? How much can you withdraw? You would only be able to withdraw around just 2 lakh rupees, leaving you to struggle for medicine despite having an NPS balance of 2 crores. This is the most frustrating part of NPS-the 25% partial withdrawal rule-that I truly dislike.All will assume that they will get 25% of total balance in case of emeregency but that is not the case and it is 25% of what you actully put as self without any intrest
@DennyJohny
3 күн бұрын
If a person lack financial discipline or not experienced enough to handle market crashes, then NPS is the best option. In all other scenarios, NPS is a poor investment choice.
@PraneshSR32 ай бұрын
No one is giving alternate to 40% annuity option. If i plan my annuity with higher % and at low cost, then y my rest among 40% corpus remains locked in return? Can somebody help that out plzz.
@rajeshshetty4862 Жыл бұрын
How will you compare with ETF which is also lowest cost investment and much better from tax point as well.
@johnsons6630
11 ай бұрын
100% agree
@harn7862 Жыл бұрын
Problem with u anupam is u speak more and unnecessarily interfere the speaker.... Like in this case When ur guest was speaking of nos2 u didn't allow him to talk n explain... U started taking..... Mm
Пікірлер: 15
clear my all daubt about NPS ..thank both
One of the best eye opener on NPS from the actual fund manager itself.
Everyone calls NPS a low-cost option, but I'm not sure in what sense. In mutual funds, we only pay 0.001% STT, with no other charges. The expense ratio is already factored into the daily NAV, so the XIRR reflects the return after expenses. However, in NPS, units are deducted from our account as fees, so simply comparing XIRR with mutual funds is not sufficient.
One of the best videos I have come across regarding the features of NPS
This is by far the best video I have watched on the topic of NPS. Thanks so much to both the host and the guest. This is really helpful.
This was really helpful!!!
What happens to the annuity corpus after the death of the individual? Does it go to nominee or it's not accessible at all?
Nps tier 2 does not tell clearly about tax implications on withdrawal . This is a grey area. Next is annuity part - fix pension is an issue . You will get same pension on first month of retirement and even after 20 years of retirement which will very very less at that time…
Imagine you are investing 1 lakh every year (50K self and 50K employer) starting at the age of 25. By the time you reach 40, you stop working, and by 50, your account has grown to 2 crore rupees. Now, what would you do if you have a medical condition? How much can you withdraw? You would only be able to withdraw around just 2 lakh rupees, leaving you to struggle for medicine despite having an NPS balance of 2 crores. This is the most frustrating part of NPS-the 25% partial withdrawal rule-that I truly dislike.All will assume that they will get 25% of total balance in case of emeregency but that is not the case and it is 25% of what you actully put as self without any intrest
@DennyJohny
3 күн бұрын
If a person lack financial discipline or not experienced enough to handle market crashes, then NPS is the best option. In all other scenarios, NPS is a poor investment choice.
No one is giving alternate to 40% annuity option. If i plan my annuity with higher % and at low cost, then y my rest among 40% corpus remains locked in return? Can somebody help that out plzz.
How will you compare with ETF which is also lowest cost investment and much better from tax point as well.
@johnsons6630
11 ай бұрын
100% agree
Problem with u anupam is u speak more and unnecessarily interfere the speaker.... Like in this case When ur guest was speaking of nos2 u didn't allow him to talk n explain... U started taking..... Mm
Stop interrupting