Everything You Want to Know About NPS | National Pension System

Everything You Want to Know About NPS | National Pension System | India's Retirement Pension Scheme

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Күн бұрын

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From its modest beginnings, the National Pension System or NPS has now grown to almost 9 lakh crores in AUM. Today, this essential retirement income scheme has over 30 lakh subscribers in the all-citizen category and most additions in the 25 to 35 year age group with 28% being women. In this video, I shall explore 11 key aspects of the National Pension Scheme (as its incorrectly called) which will provide valuable information to an existing subscriber and also anyone who is still exploring it as a retirement investment option.
Some of the topics covered in this video includes
1. Benefits of NPS which includes a low-cost structure, tax breaks for individuals, market-linked returns, easy portability and professional management
2. Eligibility which covers resident Indians, NRIs, OCIs, PIOs, HUF etc.
3. Types of NPS accounts and the difference between Tier-1 NPS and Tier-2 NPS accounts
4. Asset Classes which includes Class E (Equity), Class G (Government Securities), Class C (Corporate Debt) and Class A (Alternative Investment Funds)
5. Difference between auto choice and active choice
6. Pension Fund Managers and their performance across time period and asset classes
7. How to Open an NPS account either online or offline
8. How to Operate an NPS account
9. Withdrawals where we examine our options before and after retirement including partial withdrawals
10. Annuities and how the subscriber can secure a fixed monthly income during one's retirement years
11. Taxation rules on NPS contributions, returns, and withdrawals
👉 Open your NPS a/c with Fisdom:
fisdom.onelink.me/VCH6/Shanka...
👉 Video Chapters:
00:00 National Pension System
01:01 1. Eligibility & Benefits
02:20 2. NPS Fund Architecture
04:08 3. Asset Classes
05:18 4. NPS Auto Choice vs Active Choice
08:39 5. Performance of NPS Funds
11:59 6. Pension Fund Managers in India
13:56 7. Enrolling into NPS
15:24 8. Operating your NPS Account
16:53 9. NPS Withdrawal Rules
19:34 10. Annuities and Pension
22:01 11. NPS Taxation
25:12 Shankar's Viewpoint
👉 Useful Reading Resources:
‣ Economic Times article on NPS: economictimes.indiatimes.com/...
‣ PFRDA FAQ on all-citizen category: www.pfrda.org.in/writereaddat...
‣ Useful table of rules on exiting NPS: npscra.nsdl.co.in/nps-exit/
‣ Information & FAQ on NPS withdrawals: npscra.nsdl.co.in/all-faq-wit...
‣ VRO page on NPS performance: www.valueresearchonline.com/n...
‣ NPS Trust webpage on performance of different NPS schemes: npstrust.org.in/return-of-nps...
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#nps #nationalpensionsystem #nationalpensionscheme #retirementplanning #pension
Disclaimer: I am not a SEBI registered investment advisor or research analyst. I am not registered with PFRDA or IRDA either. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented

Пікірлер: 445

@starboy9384 8 ай бұрын

Your command over English, the break down of NPS and to put down all points in simple layman's term is commendable, plus, not to forget the hard work on research and presentation is impeccable, ❤

@shankarnath 8 ай бұрын

Thanks for that! The use of audio and visual allows me to access different senses in the viewer's body (ear, eyes, brain) .. glad to know it all comes together in these videos to help you learn and retain information

@rohancoepmech 11 ай бұрын

There is no INSIGHTFUL AND better video on NPS THAN THIS... AMAZING Shankar continues to be the best and better than the rest. ALWAYS

@shankarnath 11 ай бұрын

Thank you Rohan ji. Glad you found this video useful and informative.

@avinabasahoo1989 10 ай бұрын

Completely agree with you. No other source is so simple, comprehensive and easy end-to-end process insights

@dheerajkura5914 2 ай бұрын

I agree with compliments 👍

@yjtalksfromheart 9 ай бұрын

Really nice video, I searched for multiple videos for NPS. Here is what stood out for me in this video - The video is running at such a steady pace that we can get involved yet not feel that the video is running. Reminds me of my days in graduation, there is always that one teacher who explains in a calm manner, thank you!

@shankarnath 9 ай бұрын

Glad you liked the content and video, Yuvraj ji. Much appreciated 🙌

@genericstospecifics1856 11 ай бұрын

I was looking at videos about nps just this morning, today is my lucky day

@shankarnath 11 ай бұрын

Damn, if the markets were open today .. you could have made a killing :) .. ah well, enjoy the video!

@drkeval 11 ай бұрын

That's called AI

@aganguly73 6 ай бұрын

Excellent Video, Mr. Shankar. Simple, straight forward and comprehensive. Thanks.

@shankarnath 6 ай бұрын

Thank you very much 🙌

@szsouvikzs 11 ай бұрын

Wow Shankar ji, such a detailed video. I can only imagine the amount of efforts you have put into it. Hats off to you sir.

@shankarnath 11 ай бұрын

Thank you very much for your kind appreciation. Most videos take about 5 days of effort (2 days in research and scripting, 0.5 days in recording, 2 days in editing & 0.5 days in other activities like uploading, answering comments etc.)

@syedismail2831 11 ай бұрын

Thanks Shankar. Really insightful and crisp.

@shankarnath 11 ай бұрын

Most welcome. Glad you liked it!

@SaiSS961 8 ай бұрын

What a perfect video! Thanks a ton for making such a comprehensive video on the topic. 🙏👏

@shankarnath 8 ай бұрын

Most welcome. Glad you found it informative

@somshridhar 7 ай бұрын

Best explanation ever First time I understood clearly. Thanks

@shankarnath 7 ай бұрын

Most welcome. Great to hear! I'm happy you found it useful

@cutandpastejokes4508 11 ай бұрын

Content is super informative and worthy watching each second that there is no need from your side to request not to skip video !! Many Congrats on creating such a Video with sincere effort !! Way to go

@shankarnath 11 ай бұрын

Glad you liked it! Thanks for your kind appreciation

@Bhavi4659 11 ай бұрын

Very detailed video and regarding annuities, i had questions from last 3 years from now and they got cleared.

@shankarnath 11 ай бұрын

Glad to hear that!

@balwantgusain7904 10 ай бұрын

This is the best of the best presentation on NPS. Your value addition is wonderful.🎉🎉❤❤😀😀

@shankarnath 10 ай бұрын

Thank you very much!

@134278 11 ай бұрын

Excellent info Shankar, Thanks! I am your subscriber

@shankarnath 11 ай бұрын

So nice of you and thanks!

@rrajeshmottwani7096 8 ай бұрын

Excellent presentation. Really appreciate your efforts. Thankyou

@shankarnath 8 ай бұрын

You are most welcome 🙌

@paragvaishampayan9501 11 ай бұрын

Nicely researched designed useful content 🙏.Thank you very much

@shankarnath 11 ай бұрын

You are most welcome. Glad you liked it

@phanishtn1797 5 ай бұрын

Absolutely detailed view of NPS...Appreciate the research and thoughts put forward

@shankarnath 5 ай бұрын

Most welcome

@nikhilgupta626 9 ай бұрын

Really nice comprehensive explanation though little long but wholesome. Thank you !

@shankarnath 9 ай бұрын

You're welcome! Please utilize the 1.5x (or faster) speed option on KZfaq to save time

@naveenkumarsharma2716 11 ай бұрын

Excellent and very informative presentation 👏👏👏 Thanks Mr Shankar 🙏🙏

@shankarnath 11 ай бұрын

You're most welcome. Glad you liked it

@atuldubey1999 11 ай бұрын

Thank you Sir, what a thorough and insightful video on NPS.

@shankarnath 11 ай бұрын

Most welcome. Glad you found it useful and informative

@adityasinha13 11 ай бұрын

Hi Shankar, great and informative videos as always. Just a point on the scheme managers. I believe now it is allowed to choose 3 different managers for Asset Class E, C and G. However, Asset Class A has to be a manager from one of the 3 chosen for other asset classes.

@shankarnath 11 ай бұрын

Thank you. Yes, I was made aware of this now and a couple of viewers even shared screenshots. I had the feeling this was possible but couldn't find any literature to this effect - but now, its clarified.

@j2whoami 7 ай бұрын

One of the most lucid presenters out there - Thank you. 🙏

@shankarnath 7 ай бұрын

Appreciate that 🙌

@martimeworld179 9 ай бұрын

Really appreciate your work on making informative content. Thank you sir.🥺

@shankarnath 9 ай бұрын

Thank you very much for your kind appreciation

@smv5520 18 күн бұрын

Thank you so much. Really helpful and appreciate your efforts to put such clear content on NPS.

@shankarnath 18 күн бұрын

So nice of you. Thank you!

@suryanarayanachennai9415 10 ай бұрын

Very clearly explained sir. I would share your video with youngesters. Keep it up.🎉

@shankarnath 10 ай бұрын

Thank you very much! 🙌

@NaveenKumar-zm9xw 4 ай бұрын

Great video and explanation.. Simple and effective..

@shankarnath 4 ай бұрын

Glad you liked it

@rohanrewale9454 11 ай бұрын

Very nice and detailed explanation Sir. Thanks!

@shankarnath 11 ай бұрын

So nice of you. Most welcome!

@dpacsaml 11 ай бұрын

The amount of research that must have gone into making this video! So informative. This should be behind a paywall. Can’t believe this is free.

@Mysangeeet 11 ай бұрын

:| not heard about adsense?

@shankarnath 11 ай бұрын

Hi, for my understanding on perspectives: @dpacsaml - how much should one charge for a video like this? @Mysangeeet - how much do you think Adsense pays the creator for a video like this (assuming every viewer saw 2 ads)?

@dpacsaml 11 ай бұрын

@@shankarnath I’m not able to comment on how much to charge Sir, but pls do check out Anand Srinivasan. He gives investment advice on the stock market (in tamil) and has written books, does tours where people can come meet him and ask qns, gives out interviews etc. He also used to meet people 1-1 for a fee (but I think he’s stopped doing this now as he’s become too popular). Ultimately people will pay for quality content.

@satyambansal2856 11 ай бұрын

Very insightful video. ❤

@shankarnath 11 ай бұрын

Glad it was helpful!

@Secularismsucks 9 ай бұрын

Beautifully put. Thanks

@shankarnath 9 ай бұрын

You're very welcome

@sandipghiya3493 11 ай бұрын

You have done extremely good job by providing various opportunities in NPS which surely would provide idea to individual to select and design life

@shankarnath 11 ай бұрын

Thank you for the kind words, Sandip ji

@arunj48 6 ай бұрын

Very detailed.. finally i got some grip on this topic

@shankarnath 6 ай бұрын

Glad you found it useful 🙌

@krishnakishoreramadugu3754 10 ай бұрын

Excellent video ..... Deserves more views

@shankarnath 10 ай бұрын

Thank you!

@gaurav2009june 6 ай бұрын

Many thanks, it is a wonderful video.

@shankarnath 6 ай бұрын

Thank you

@sumankabi9081 3 ай бұрын

Concise and best NPS explanation from you

@shankarnath 3 ай бұрын

Thank you!

@naveenkumarsharma2716 11 ай бұрын

Pension part should be tax free and managed by PFRDA or Central Government …… because no one can predict what will happen if private annuity manager company defaults or could not manage regular Pension Payouts.

@1sanpa 11 ай бұрын

Thank you, great video

@shankarnath 11 ай бұрын

You are most welcome! 🙌

@100Abhilash 3 ай бұрын

Thank you. This was helpful.

@shankarnath 3 ай бұрын

Most welcome!

@slnmanu 11 ай бұрын

Fantastic video sir. Very informative

@shankarnath 11 ай бұрын

Glad you liked it

@summitpictures6616 4 ай бұрын

Thanks for the detailed video!

@shankarnath 4 ай бұрын

Most welcome

@kirankumar-mz6or 11 ай бұрын

Thanks Sir , well explained 👏

@shankarnath 11 ай бұрын

Most welcome! Glad you liked it

@Movierdo 11 ай бұрын

one correction i think: Minimum is 1000 per year (not 6000)

@rajeshkulkarni9869 11 ай бұрын

Really good video sir, thank you

@shankarnath 11 ай бұрын

You are very welcome, glad you liked it

@tejab8352 Ай бұрын

Thank you, Very helpful

@shankarnath Ай бұрын

You're welcome!

@Spark878iu 9 ай бұрын

Very insightful video

@shankarnath 9 ай бұрын

Glad it was helpful!

@anandranand1 8 ай бұрын

Neatly explained...

@shankarnath 8 ай бұрын

Thanks

@aaravdvlogger698 3 ай бұрын

nicely articulated

@shankarnath 3 ай бұрын

Thank you!

@rdtechie5244 10 ай бұрын

Very nice video! Sir!🎉

@shankarnath 10 ай бұрын

Thank you!

@user-st2tk5kh6k 11 ай бұрын

Very Informative

@shankarnath 11 ай бұрын

Glad you liked it

@veeramanir8578 11 ай бұрын

Complete and fantastic video of about NPS so far among watched by me 😅

@shankarnath 10 ай бұрын

Thank you. Glad you liked it

@bala542 11 ай бұрын

Good Information. thank you

@shankarnath 11 ай бұрын

Glad it was helpful!

@sanjeevgupta7010 11 ай бұрын

Great presentation

@shankarnath 11 ай бұрын

Thank you!

@archanakamat2635 11 ай бұрын

Excellent video

@shankarnath 11 ай бұрын

Thank you very much!

@teammoneymatters 11 ай бұрын

Dear Sir, thank you for creating such insightful content. One correction - as of this year, we're allowed to select different managers for different schemes. I myself have selected LIC for "G", while HDFC for all others.

@shankarnath 11 ай бұрын

Most welcome, glad you liked it. Yes, I got to know this now .. and I'll update all viewers later tonight on this (and other changes I missed out on) via a pinned comment. Thanks for letting me know.

@debajanisarma1673 11 ай бұрын

@@shankarnathSir what is the minimum rate of interest we can expect in NPS? I have PPF . So can I open a NPS ACCOUNT for my 3 year old child.I am 44.

@shankarnath 11 ай бұрын

Hi - both questions were addressed in the video. Kindly have a watch pls. To recap: 1. NPS does not offer an interest rate but returns are market linked 2. NPS is for Indian citizens aged 18 years and above

@meghanaabhyankar9151 11 ай бұрын

@@shankarnathAllowed only by NSDL, not the other CRA's.

@debajanisarma1673 11 ай бұрын

@@shankarnath thank you so much for the instant response.

@rakada 11 ай бұрын

There is one NPS TTS which is only for central government employees. Active choice for govt employees is all in government securities.

@jobanmathew3081 11 ай бұрын

Actually good u did on NPS , lots of negatives circulating about it

@shankarnath 11 ай бұрын

Glad you found it useful!

@user-cq7zg1zf9y 10 ай бұрын

Excellent video..

@shankarnath 10 ай бұрын

Glad you liked it!

@itsak26 11 ай бұрын

Great comprehensive video..👍 A question - Many organisations mandates retirement age at 58 years whereas NPS retirement age is 60 years. This should be changed and Govt should look into it.

@shankarnath 11 ай бұрын

Thank you for your appreciation

@sriramsoundhrapandyan 10 ай бұрын

Minimum contribution in TIER 1 NPS account per year is INR 1000 Sir.. Your presentation was excellent and timely since i had joined ICICI PRU PFM as their Pension Advisor only recently and needed clear information to take the concept forward and to my Clients. I am a Mutual Funds Distributor Sir.. Thank You.🌷🌹

@shankarnath 10 ай бұрын

Thank you very much for clarifying on the minimum contribution, there were multiple numbers floating around. Wishing you the best!

@geetsgovind8925 4 ай бұрын

What will happen if i haven't made any contribution for several years in NPS, how can I make it active again ?

@ramyasri6093 11 ай бұрын

Sir . Thanks for another detailed video. What's the expense ratio in Tier 1 & Tier 2? For 4000 contribution each month( 80CCD2) , 25 INR is debited every month . What's the calculation?

@PRATIVAGROUP 10 ай бұрын

Nice job Ji 🙏🙏

@shankarnath 10 ай бұрын

Thanks a lot

@hirajlotlikar9226 11 ай бұрын

Very informative,

@shankarnath 11 ай бұрын

Glad it was helpful!

@user-hv4ys1no8t 5 ай бұрын

@shankar Ji - the site now allows choosing different fund manager for each asset class - hope you can update the same in your otherwize excellent video

@shankarnath 5 ай бұрын

Unfortunately, I can't update it within this video as no video platform allows modifications. I'll add it when I do a followup video on this.

@kishorekumar-qg5iq 11 ай бұрын

Holistic View on NPS. ❤

@shankarnath 11 ай бұрын

Glad you found it useful!

@shaharukhpathan5331 2 ай бұрын

Very very informative vdo

@shankarnath 2 ай бұрын

So nice of you. Thanks!

@abhishekpurwar9932 4 ай бұрын

Please make a video with examples of SLW system and the transaction charges one has to bear alongwith tax benefits.

@shankarnath 4 ай бұрын

Thanks for the suggestion

@mojo_jojo91 11 ай бұрын

Sir I would like to understand the return from perspective that under a regular scenario if we are under 30% tax bracket and if we are saving taxes on investment (employee contribution + employer contribution). If we consider that shouldn't return increase significantly?

@anantkumar1015 7 ай бұрын

What is standard choice apart from auto and active??

@vishalgautam-ky2oo 11 ай бұрын

Dear Sir, I am your regularly watching your video . thanks a lot for such a wonderful video, in which you covered all information regarding NPS.I have watched so many videos on NPS, but till date this is the best and carrying all relevant and important information in it. thanks again sir. Sir one question , a central government employee can continue NPS after retirement with or without contribution. please clear this query.

@shankarnath 11 ай бұрын

Thank you very much, glad you found it useful. There is a useful table which might help you resolve your quandary. May I request you to have a look at it. Link: npscra.nsdl.co.in/nps-exit/

@osholife 11 ай бұрын

quality content

@shankarnath 11 ай бұрын

Thank you! 🙌

@sumankabi9081 3 ай бұрын

Great video..I have a query - I have choosen Tata from the tier list .little afraid becoz i didn't see any return% from the tata fund manager in this video.how do you see it ? Any suggestion pls share

@jandeamol 11 ай бұрын

Sir very nice video 🙏

@shankarnath 11 ай бұрын

Thank you 🙌

@AmrinderSinghRandhawa 4 ай бұрын

@shankarnath The NPS scheme is now open to Non Resident Indians (NRIs) & Overseas Citizens of India (OCIs), but currently it is limited to Tier 1 account only.

@TRUEIndian413 10 ай бұрын

thanks a lot

@shankarnath 10 ай бұрын

Welcome!

@rajmal1968 11 ай бұрын

Hi Shankar, do you provide investment advise to individuals at cost? I am looking for an investment advisor and need your guidance. Thanks

@gouravbose8105 10 ай бұрын

Nice Explanation Shankar! However, as NPS is retirement, instruments, so can you also make content on Guranteed return income like jeevan umang etc

@shankarnath 10 ай бұрын

Thank you Gourav ji for the suggestion. I'll add it to my content queue.

@anujoybardhan 11 ай бұрын

Nice one Shankar ❤... I too used to think NPS stands for national pension scheme...I actually started my tier 1 account after seeing your video in ETmoney..so far returns are good..but then I need to see how it performs during downturns...have opted for active choice..E60:C20 G15 A5...you could have covered a little more on how to port from one to another pension fund.and also the charges that are involved ..and also on which/how to decide on annuity selection..looking forward to your video on whether to opt for more pension and less EPF...

@shankarnath 11 ай бұрын

Thank you very much!

@baskark2601 7 ай бұрын

Good sir 👍

@shankarnath 7 ай бұрын

Thanks and welcome

@suvomitra767 5 ай бұрын

What does purchasing annuity means in early exit ?

@arpitjain3255 11 ай бұрын

Great detailed video as usual! 👍 But one thing, I don't know when this was recently changed but we can now select different managers for different schemes. I recently was able to make the switch from the nps website

@Mysangeeet 11 ай бұрын

Can you please explain more. You must be talking about manual allocation?

@arpitjain3255 11 ай бұрын

@@Mysangeeet I have choosen different AMC for different schemes. E.g SBI for scheme C And hdfc for scheme i.e. Equities.

@shankarnath 11 ай бұрын

Thank you! I had heard something to the effect of NPS allowing separate schemes of different pension fund managers but didn't find any literature on it. But its true, the change was effected sometime this year.

@SK_SENTHIIL 11 ай бұрын

Sir, Tier2 (E) vs N50 Index fund . Your view.

@RKIN11 11 ай бұрын

Shankar Sir, please make a video on financial and retirement planning

@shankarnath 11 ай бұрын

Thanks for the suggestion, I'll try

@Techie.Athlete 11 ай бұрын

thanks

@shilpiburman7102 11 ай бұрын

Another gem from you Shankar! I wanted to know if there is a provision for someone who is 60 to transfer lumpsum in NPS and draw a pension from it? Another (unrelated to this video) query I had was with respect to investing tactically in sector funds. As an example but many influencers advise on investing in teachnology/IT index funds when the sector is underperforming and NAVs are low. When the sector starts to do well what would be the best thing to do - exit the fund once one has seen some substantial growth? Or stop sip in the fund but not withdraw money from it?

@shankarnath 11 ай бұрын

Thank you. If the person is already 60 then the accumulation via NPS will be on the lower side. If the purpose is to get pension, then one can a) apply an SWP on top of a multiasset or hybrid fund or b) buy an annuity from a life insurance company. In my view, using NPS then may not serve many purposes On sectors, one way is to play the business cycles. So when valuations are below a level then buy and sell when above a certain point. I had a video (the Superman thumbnail) which offers an insight into increasing and pausing SIPs and the effects of that. Pls have a look

@praveenruhela8436 11 ай бұрын

Thanks for nice explanation , kindly note that minimum contribution is Rs 1000.00 in Tier 1 to avoid the freezing of the account , earlier this was Rs. 6000.00 .

@shankarnath 11 ай бұрын

Most welcome. Can you share the article on this change from 6k to 1k? I'm unable to find one. Thanks!

@debajanisarma1673 11 ай бұрын

@@shankarnathshared your video. Can you please suggest the best investment for a 3 year old child. I am 44 and need to invest wisely for my child.

@sudharsanmohandoss146 11 ай бұрын

@@shankarnath what will be the maximum contribution in Tier-1 per annum?

@cutandpastejokes4508 11 ай бұрын

No upper limit

@NishantMaliKar 11 ай бұрын

Kindly provide link for any Nps calculator for central government employees

@SachinSharma-ro1me 7 ай бұрын

Please tell how much maximum equity allocation allowed in NPS tier 2 active choice for both govt employee and private sector employee currently...

@sreejaysreedharan4085 11 ай бұрын

Quality content as usual ..But Shankarji does it really make sense opening a new nps account for people above 46years? Also can lumpsome money be invested or it's just monthly investments? would request your inputs here.Thanks.

@shankarnath 11 ай бұрын

Thank you! 1. NPS extends until the age of 75 .. so even at 46, that's a three decade runway. One should keep that into consideration aswell along with one's financial plans. 2. Yes, contribution can be made in lumpsum mode aswell

@dilipviswanath9106 11 ай бұрын

Sir, i have read from many sources that class E returns are not at par with the index. However, with the tax benefits, i think they outperform the index isnt it?

@varunchopra4454 11 ай бұрын

Really good video. One query ,what is the cap in employer contribution under 80 CCD2 in terms of total ammount

@gulshankumar-ft7yb 11 ай бұрын

10% for private employer and 14% for government

@shankarnath 11 ай бұрын

Thank you. This is what the NSDL website says on it: www.npscra.nsdl.co.in/tax-benefits-under-nps.php#:~:text=Additional%20Tax%20Benefit%20is%20available,%2C%20up%2Dto%207.5%20Lakh.

@rajukamal 10 ай бұрын

Very informative indeed. Thanks Shankar for this. Any idea what is the benchmark against which the funds are being compared?

@shankarnath 10 ай бұрын

Most welcome. Benchmarks available in 09:24

@rajukamal 10 ай бұрын

@@shankarnath Thank you. What is not clear is that whether class E funds will always follow Nifty 50 index or it is just a choice of all funds as of date. Can fund managers change course? I couldn't find any data about expense ratio as well. You clearly said taxation is not your forte, but there seems to be confusion on how tier 2 gains are taxed. What I read is that it will be at 20% with indexation after 3 years. But that is potentially high in comparison with Nifty 50 index funds in a brokerage account where it will be 10% LTCG.

@shankarnath 10 ай бұрын

1. The PFRDA has some guidelines on the kind of stocks that a fund manager can invest into. I read about it somewhere a couple years back, maybe in some news article. Something in the lines of top 200 companies with F&O participation. I also read that PFRDA has relaxed some of it. So, the size and shape of Class E (or any other class) will continue evolving. 2. Expense ratio information can be found on the pension fund manager website

@sauravkataruka1 11 ай бұрын

Good research but it is not correct that in active choice all asset classes has to be managed by since PFM. You can choose a different PFM for each asset class. I have done it myself and hence confident

@shankarnath 11 ай бұрын

Yes, I thought so too but couldn't find any literature. A couple of viewers were kind enough to email me the screenshots and clarify the matter. I'll update it via a pinned comments by tomorrow

@tanaygoyal3436 11 ай бұрын

Hi Shankar, Appreciate your efforts and work! I have been an NPS subscriber for the last 3 years. However, I never understood how the rebalancing works. As you mentioned, it's on the subscriber's birthday, but there are no recorded transactions in the transaction statement. Can you clearify this?

@shankarnath 11 ай бұрын

Thank you very much for your kind appreciation. With re: your query, I'm not sure if any rebalancing transaction entry is posted. However please read up point 5 of this webpage: www.npscra.nsdl.co.in/all-faq-scheme.php

@expertgaming9447 9 ай бұрын

Namskar sir Government employes ko active choice mai agressive mode 75% equity nhi aa raha hai only show lc 50 and lc 25 please reply why not shot lc 75

@shankarnath 9 ай бұрын

Hello, I don't know pls. Yeh question government hi answer kar sakte hai .. kripya RTI (right to information) ka prayog karein.

@venuda9220 11 ай бұрын

NPS showed how to do a SIP on its Tier 2. But it did not show how SEP could be stopped!! Any one knows how this can be done ?

@tspbhd213 11 ай бұрын

@Shankar 1st of all it was a great video. Some of my friend is saying not to invest in nps. But to invest in ELSS mutual fund. Because of annuity purchase and less return of NPS. I wanted to know are you a investor in NPS?

@kvsbabu2124 10 ай бұрын

It is a long term investment for your retirement needs.

@ranaprathapmuthukuru2647 11 ай бұрын

Sir Is it right time to investing lumpsum in nifty 50 index mutual fund?

@shiekkaleem4539 11 ай бұрын

Just found the video on the day uploaded

@SaurabhSingh-in 11 ай бұрын

Hi Shankar Sir, great video. Thanks for it. However I would like to mention that we can now choose different pension fund managers for different asset class within same Tier. I am saying because in my Tier 1 account, I have HDFC as fund manager for my 75% class E holdings and LIC as fund manager for my 25% class G holdings. I hold 0% in Class C and Class A.

@shankarnath 11 ай бұрын

Thank you Saurabh. Yes, I got to know now and a couple of viewers have sent me an email from where they received that communication and even a screenshot of their NPS portal where this is enabled. I also remember reading of this happening but couldn't find any article to this effect. Thx again for letting me know, I'll update it via a community post or pinned comment for the benefit of all.

@Mysangeeet 11 ай бұрын

This is for Manual allocation only?

@SaurabhSingh-in 11 ай бұрын

@@shankarnath Thanks Sir

@SaurabhSingh-in 11 ай бұрын

@@Mysangeeet Yes. This is for Active choice.

@dsaha7700 11 ай бұрын

Shankar Ji, Many thanks as you have enhanced our knowledge on "NPS"... ( R u gaining a weight) ??

@shankarnath 11 ай бұрын

Most welcome. Yes, there is some renovation work going at my place .. so I'm quite tired these last 3-4 weeks. This has affected my video schedule and my walk schedule aswell. This'll go on until the 15th of next month & then I'll spruce back to normalcy.

@drkeval 11 ай бұрын

Very well explained 👌🏻...may i know at what stage annuity plan we have to select?

@shankarnath 11 ай бұрын

Thanks! Here's my understanding on this: The annuity plan can be decided just before or right after the subscriber retires. If no such annuity is decided or there is a delay or if the subscriber dies after NPS maturity then there is a provision in the PFRDA rulebook where they have defined a default annuity service provider and a default annuity scheme. As I recall, the default annuity service provider is the Life Insurance Corporation of India (as expected) and and the default annuity scheme is one where 100% of the annuity is paid to the spouse during the spouse’s lifetime.

@drkeval 11 ай бұрын

@@shankarnath thanks for clarity