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Category: New Pension Scheme

Archives of articles related to the National Pension Scheme (NPS) aka the New Pension Scheme.

Kotak Pension Fund Scheme E – NPS TIER I Performance Review

Published on March 3, 2023 / By M. Pattabiraman Twitter: @pattufreefincal

We review the performance consistency of Kotak Pension Fund Scheme E – NPS TIER I measured against Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in June 2009 and currently has an AUM of about Rs. 1,070 crores. In a previous article, we listed the investment policy of NPS equity schemes,…

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ICICI Pension Fund Scheme E – NPS TIER I Performance Review

Published on December 16, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

We review the performance consistency of ICICI Pension Fund Scheme E – NPS TIER I measured against Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in July 2009 and currently has an AUM of about Rs. 5,594 crores. In a previous article, we listed the investment policy of NPS equity schemes,…

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UTI Pension Fund Scheme E – NPS TIER I Performance Review

Published on November 17, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

We review the performance consistency of UTI Pension Fund Scheme E – NPS TIER I measured against Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in May 2009 and currently has an AUM of about Rs. 1,423 crores, much lower than the corresponding AUM of HDFC and SBI equity schemes reviewed…

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HDFC Pension Fund Scheme E – NPS TIER I Performance Review

Published on November 1, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

We review the performance consistency of HDFC Pension Fund Scheme E – NPS TIER I measured against Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in Aug 2013 and currently has an AUM of little over Rs. 15 thousand crores- the highest AUM in the E segment for non-govt. subscribers. In…

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SBI Pension Fund Scheme E – NPS TIER I Performance Review

Published on October 19, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

We review the performance consistency of SBI Pension Fund Scheme E – NPS TIER I measured against Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in June 2009 and currently has an AUM of little over Rs. nine thousand crores. Only the scheme from HDFC Pension has a higher AUM (in…

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NPS Systematic Lump sum Withdrawal Rules Explained

Published on October 11, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

The pension fund regulatory and development authority (PFRDA) the NPS regulator has released a draft proposal on implementing Systematic Lump sum Withdrawal (SLW) in the national pension scheme. The draft is open for comments/feedback until the 19th of Oct. This is an explanation of the proposed rules. Existing rules: After the age of 60, an…

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Is the NPS Equity Scheme an index fund?

Published on October 8, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

A common misconception among investors is that the National Pension Scheme (NPS) schemes are passively managed like an index fund. This is incorrect. In this article, we discuss the investment policy of NPS Equity (E) schemes as approved by the pension fund regulatory and development authority (PFRDA). The norms can be found on the public…

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After 12 years of investing in the NPS my return is 8.9%

Published on August 28, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

I have invested in the National Pension Scheme (NPS) since 8th March 2010. This is a performance report of how the NPS invested has fared over the last 12+ years. We also compare the returns with EPF. Note: Kindly do not assume that I am recommending NPS instruments. My situation is quite different from most….

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Three changes that can make the NPS an attractive retirement solution

Published on November 7, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

We discuss three changes that can make the NPS an attractive retirement solution. Let us face a simple fact: The only reason many investors use the NPS is because of the “extra Rs. 50,000” tax saving or reduction in taxable income to be exact. The biggest drawback of the NPS is its rigid exit rule….

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How to calculate pension from NPS?

Published on November 6, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

Swaroop asks, “I am 30 years old and have recently started investing in NPS. Can you please explain how to calculate the pension that we would receive from NPS?”. The short answer is, it is not possible to accurately calculate NPS pension. Yes, we can make an estimate, but the result is likely to be…

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How to withdraw from NPS by optimising tax and market fluctuations after 60

Published on September 25, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

Mani asks, “Assume I have 10L in my corpus at the retirement age of 60 based on some NAV value of X. By the time I reach 60, assume there was a market crash and NAV for NPS has fallen drastically by 20%. So I choose the deferment option. After 3 yrs, the market is…

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After 11 years of investing in the NPS (15% equity + 85% bonds) my return is 10%

Published on September 18, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

I have been investing in the National Pension Scheme (NPS) since 8th March 2010. This is a performance report of how the NPS invested has fared over the last 11+ years. We also compare the returns with EPF. I have been part of the NPS since 2006. However, the NPS was not ready for investment…

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