Here is a National Pension Scheme NPS Calculator for government, corporate, and individual subscribers in Excel to enable better understanding of how the scheme works. For government subscribers, the asset allocation is fixed: 15% in equity (E) and rest in fixed income (allocation to G – government bonds and C – corporate bonds is not known) The…

National Pension Scheme for corporate employees has gained popularity as employers can get tax benefits by showing their contribution to employee accounts as a business expense.  Now the government wants to encourage NPS further by offering a choice to EPF subscribers to shift to NPS and then there are the tax sops, which I am…

Here is why I think one should not invest in the National Pension Scheme even if you get tax benefits. This is the updated version of an earlier post. Earlier I had recommended subscribing to the NPS if you get tax benefits via the employer contributions. Tax benefits have actually increased since the govt. announced…