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All you need to know about NPS Vatsalya

The Indian government launched NPS Vatsalya, a new program within the National Pension System (NPS), to promote retirement savings. The NPS Vatsalya program is a big step toward protecting our youngest citizens’ financial future at a time when financial planning is more important than ever. With the help of this program, parents or guardians may …

Can variable annuities in NPS be beneficial?

When NPS participants retire, they are required to invest 40% of their maturity corpus in an annuity that provides a lifetime pension. For many investors, this is the deciding factor that keeps some retail investors away from the NPS. That’s because annuity rates are low, and most individuals believe they can make higher returns by investing …

Why NPS should be part of your retirement portfolio?

Most investors, particularly salaried persons, are split on whether they should invest in mutual funds or the National Pension Scheme (NPS). People may favor pension plans because of the significant tax benefits they provide over mutual funds. The option to withdraw the 60% lump-sum amount in instalments upon retirement strengthens their argument even further. I’m assuming you know …