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NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
NATIONAL PENSION SCHEME-INDIA
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NATIONAL PENSION SCHEME-INDIA

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NPS, A GOOD TOOL TO SAVE FOR YOUR RETIREMENT

NPS, A GOOD TOOL TO SAVE FOR YOUR RETIREMENT

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  • Hi, please let know on what services do you provide on NPS in terms of guidance on how to go about NPS investments & fees structure. Please contact me at 9952099112 on this.
    Shridhar.
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  • 1. A short presentation on NPS (National Pension Scheme) Presentation-1
  • 2. NEW PENSION SYSTEM
    • NEW PENSION SYSTEM (Also referred as NPS) a efficient contribution pension system in India.
    • Broad objectives :
    • A) To Provide old age income.
    • B) Safe and reasonable market based returns over the
    • long term.
    • C) Extending old age security coverage to all citizens.
  • 3. NEW PENSION SYSTEM
    • All citizens of India are eligible for investing in NPS.
    • Typically the NPS is categorized into
    • Individuals and central, state government
    • &
    • corporate employees.
  • 4. NEW PENSION SYSTEM
    • Ideal age of an individual interested to invest in NPS should be between 18 to 60 years.
    • All the individuals who invest in NPS are allotted with PRAN (Permanent Retirement Account Number)
  • 5. NEW PENSION SYSTEM
    • Minimum amount per contribution in NPS is Rs.500
    • Minimum contribution per year is Rs.6000.
  • 6. NEW PENSION SYSTEM
    • Investing in the NPS
    • NPS offers 2 approaches
    • to invest in your account
    • Active Choice
    • &&
    • b) Auto Choice-Lifecycle Fund
  • 7. NEW PENSION SYSTEM
    • Active Choice –Individual Funds
    • This choice comes with 3 options to choose from.
    • E-option-”High return, High risk”, investments mainly in equity market instruments.
    • C-option-”Medium return, Medium risk”-investments mainly in fixed income instruments.
    • G-option-”Low return, Low risk”- investments completely in fixed income instruments.
  • 8. NEW PENSION SYSTEM
    • Auto choice- Lifecycle Fund
    • An easy option for managing individual NPS investments.
    • Based on the individual age, the portfolio is pre-defined.
    • Eg: At 18 years of age the auto choice-portfolio comes with
    • “ E-class --  50%”
    • “ C-class --  30%”
    • “ G-class --  20%”
  • 9. NEW PENSION SYSTEM
    • Auto choice- Lifecycle Fund
    • In the auto choice option ,the ratio of investment will remain fixed for all contribution till the individual reaches the age of 36.
    • Post age of 36, the weight in asset class in “E” and “C” will decrease annually &weight of “G” increases till the ratio turns to E:C:G::10:10:80
  • 10. NEW PENSION SYSTEM
    • Tax benefits under NPS
    • will be as per the
    • provisions of the
    • Income Tax Act,1961 as
    • amended from
    • time
    • to
    • time.
    Taxation
  • 11. Useful Links
    • www.npscra.nsdl.co.in
    • www.pfrda.org.in
    • w ww.moneyexpo.in
    • Image source: getty images
  • 12. Thank you

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