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Category: New Pension Scheme

NPS SIP: How to use D-Remit deposit facility to get same-day NAV

December 6, 2020 / M. Pattabiraman / @pattufreefincal

Here is how you can set up an NPS SIP using the new D-Remit deposit facility and get the same-day NAV on national pension scheme contributions. To ease the process of contribution to the National Pension System(NPS), the Pension Fund Regulator(PFRDA) has introduced a new mode of deposit facility called Direct Remittance(D-Remit) starting from October…

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NPS Tier II Tax Saver Scheme: Should you invest?

July 8, 2020 / M. Pattabiraman / @pattufreefincal

The finance ministry has notified the National Pension Scheme Tier II- Tax Saver Scheme, 2020 under section 80C for central government employees.

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NPS equity schemes underperform Nifty, Nifty 100: time for passive approach?

May 24, 2020 / M. Pattabiraman / @pattufreefincal / 2 Comments

Considering how the NPS equity schemes have underperformed Nifty 50 and Nifty 100 total return indices, it is high time PFRDA mandates these “low cost” fund to passively track an index instead of classifying them as “active funds” that can invest in the Nifty, Nifty 100 universe.

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Why you should avoid equity (scheme E) in your NPS portfolio!

May 22, 2020 / M. Pattabiraman / @pattufreefincal / 10 Comments

The NPS has a portfolio management fee of 0.01%. There is an additional custodian fee of 0.0032% and various transaction fee applicable on the investment amount (much like an airline charging extra for the seat, leg space and food). Nonetheless, a fee of 0.01320% is not only enticing but also leads one to assume we…

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Ten years of investing in the NPS: Performance report

March 18, 2020 / M. Pattabiraman / @pattufreefincal / 7 Comments

After ten years of investing in NPS (tier 1, central govt scheme) this is how my investments have fared since March 2010.

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EPF vs NPS: Should you shift to NPS because the govt wants you to?

October 25, 2019 / M. Pattabiraman / @pattufreefincal / 4 Comments

The govt is keen on offering an option to shift from EPS to NPS. While this is a good move from their viewpoint, does it make sense for existing EPF investors to shift to NPS in search of higher returns? We look at the key differences between EPF and NPS to find out

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NPS Tier 1 Equity Scheme Performance vs Nifty 50 and Nifty 100

September 7, 2019 / M. Pattabiraman / @pattufreefincal / 6 Comments

Here is how the NPS Tier 1 Equity Schemes (“E”) have performed since inception. Many mistakenly assume NPS equity schemes are index mutual funds tracking Nifty 50. A look at the scheme portfolios would immediately dispel that myth. The NPS E schemes hold close to 100 stocks. Getting the historical NAV history of the NPS…

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Do Not Invest Rs. 50,000 in NPS for additional tax saving benefit!

March 19, 2019 / M. Pattabiraman / @pattufreefincal / 150 Comments

Here is why you should not invest Rs. 50,000 to get additional tax saving in NPS under section 80CCD(1B) in 2019. The following tax deductions are applicable to the National Pension Scheme. (1) An individual can invest a maximum of Rs. 1.5 Lakhs in Tier 1 for tax deduction under Section 80CCD(1) which is part of…

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Myth busted: You do not get 30% returns by investing 50,000 in NPS!

October 28, 2017 / M. Pattabiraman / @pattufreefincal / 4 Comments

You would be surprised as to how many people believe that by investing an additional 50,000 in NPS, they “instantly” get a return equal to their tax slab! This is a case of mis-accounting or innumeracy. In this post, I discuss what exactly is the implication of “saving tax” via investing in 80C and with…

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Do Not Shift Your EPF Corpus to NPS: It is a Trap!

March 9, 2017 / M. Pattabiraman / @pattufreefincal / 11 Comments

In this post, I discuss why it is a terrible idea to shift your EPF corpus to the NPS (National Pension Scheme). In a circular dated 6th March 2017, the Pension Fund Regulatory and Development Authority (PDRDA) announced a road map for provident fund and superannuation plan subscribers to shift to the NPS. The shift…

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