NPS Fund Managers with the Highest Returns | Best NPS Managers 2023

[@nikrecovery7969]

Please make a video on NPS Tier 2 also... Because NPS Tier 2 is a hidden gem...It gives mutual fund like return and the better thing is Investor can have scheme preference option, which allows them to rebalance their asset allocation....Also please discuss the Taxation rule for withdrawal from NPS Tier 2

[@ETMONEY]

Hello, thanks for your suggestion. Will share it with the content team.

[@himangshusardar8107]

😅

[@andbeyondd]

Increasing tax rates are the reason I rolled over my 401k to a Roth. I don’t want to be 59 paying taxes on current income on withdrawals made from my retirement account.

[@BINDERANDREAULRIKE]

Pre-tax contributions may help reduce income taxes in your pre-retirement years while after-tax contributions may help reduce your income tax burden during retirement.

[@SaintYvess]

Both have their perks but you can also save for retirement outside of a retirement plan, such as in an individual investment account or employing the services of a retirement planner/investment advisor.

[@roberttheodoregeorge]

Really? Have you searched? Use any investor/advisor tool.

[@SaintYvess]

Melissa Jean Talingdan

[@roberttheodoregeorge]

What is her fee structure like? Are her services available to about anyone? Can you share more details?

[@harshjc1319]

You'll are doing an incredible job guys, really really love the content you'll put out time and again:) Your videos are very amazing, useful and helpful. Thank You so so much ET money team for doing what you do. Lots and lots of love, support and appreciation from my side😇😄💙.

[@ETMONEY]

Hello, thanks for your kind words. Please help spread the message by sharing this video with your friends and family.

[@yviruss1]

Looking forward to a similar video in tier II. Thanks.

[@mohanayare]

This vdo gives every info to make an informed choice. Thanks ETM👍🏻

[@KishanKumar-gh3gu]

Very detailed. This helps. Glad i had chosen HDFC since 5 years now

[@Arihant997]

HDFC performance looking up only because public sector stocks have done well in 2023 ..May not repeat again !

[@Kishandsygn]

@@Arihant997 Thanks I will analyse halfyearly performance.. Kotak also looks good.

[@shantilal007]

We are awaiting for similar video on Tier 2, Kindly publish the same at the earliest

[@ayyanarprabhu7902]

Very useful video. Really thank you so much for the details

[@amitkanjilal1158]

NPS is a great product. With 50% equity my XIRR mostly remains between 11-12%

[@kevalkumar9694]

VERY USEFUL

[@tamrejalam4474]

Nice video with great content and simplicity

[@sanjaymukhi5189]

Thank you so much for your valuable information

[@zaheedkamaal3692]

Since inception I preferred HDFC Fund Managers for my NPS. Looks like a good choice. 😊

[@ETMONEY]

Hello, indeed, HDFC Pension Management has been one of the top performers. Good selection!

[@RudraSingh-gb9ue]

Can you please share your XIRR?

[@niravscope]

Why do NPS Equity fund managers not perform similar to other MF fund managers? They are not able to beat Nifty 50 index. My understanding is these are similar to any active fund. So they should least beat Index otherwise what is the point. Shouldn't this be investigated? Is it because these fund houses are doing this out of compulsion and are more interested for customers to divert to AMC MF instead of NPS?

[@abhisheksaraf6434]

Thanks for the details 🎉❤

[@ETMONEY]

Hi, glad to know that you found this video helpful. Don’t forget to share it with your friends and family.

[@sp-ye7ht]

Nice video.. But i think volatality doesn't matter in nps in equity category too as we are investing for longer duration..

[@GaneshTijare]

Very good analysis

[@ezhilarasan5545]

Useful content and presentation

[@ETMONEY]

Hello, thanks for your kind words. Please help spread the message by sharing this video with your friends and family.

[@sudharsandr4988]

Hi this video is reallh helpful to understand the NPS. May I know who is the fund manger of each AMC and their holding companies?

[@abhishekpurwar9932]

Pls. Make video on SLPW plan of NPS which is recently launched.

[@ETMONEY]

Hello, thanks for your suggestion. Will share it with the content team.

[@monuhits]

great video...

[@NishantMaliKar2]

Can you make a same vedio on NPS for central government employees... Like in lc 50,lc25, default and government scheme.... Which fund manager is better ??

[@raghunathk7684]

@ET Money: Does NPS provide option to switch fund manger though the account is auto choice NPS account from past 5 years? Also NPE have option to switch fund manger in AUTO choice? is that possible to select different Fund manager for different 'E' , 'G' & 'C'. Eg. Hdfc , LIC n SBI as shown in the video?

[@niravkhanpara5039]

How can I select the fund managers when NPS contribution is made by my employer (part of PF)?

[@varupant1]

Informative

[@ETMONEY]

Hello, we are happy to know that you found this video useful. Please share it with your friends and family as well and help spread the word.

[@renukabotany7041]

Thanks a lot

[@ETMONEY]

Hi, glad to know that you found this video helpful. Don’t forget to share it with your friends and family.

[@renukabotany7041]

@@ETMONEY Definitely I will share with my friends. I am a government employee where we have to make compulsory contribution to NPS. The default asset allocation in NPS is 85% bonds and 15% equities and SBI, UTI , LIC are the fund managers in default scheme . Now I have changed to LC 50 scheme and changed fund manager to HDFC . I will show this video to my colleagues to make necessary changes in their NPS account to get good returns .

[@ETMONEY]

@@renukabotany7041 Thanks a lot.

[@akhileshpachipulusu8046]

HDFC seems to have dropped in last 1-3 years returns, should still consider it as the best or should we also consider the recent trends. Even LIC is outperforming HDFC in aggressive

[@Dr-Anant.A]

My question is . I have chosen SBI as my fund manager as i found it more trustworthy.... can i port to HDFC fund manager.. ?? If yess can u tell the process in detail video..!! Thank you

[@nikhilsarkar3390]

I had opened NPS A/C during March2022& deposited RS 50000/- , due to some problems I could not deposited any amt. In this situation what can I do,I'm not interested to continue the said AC,in this regards your advice is required.

[@saugata1974]

please make a video of same kind on Tier 2

[@ETMONEY]

Hello, thanks for your suggestion. Will share it with the content team.

[@viraj9954]

What will be the charges incurred for changing Pension Fund Manager for different asset classes and changing the asset allocation?

[@parastuli8422]

No charges charged by any PFM, only Asset reallocation will be done as per your choice

[@gourgiri878]

Auto mode or active mode which is better

[@AshishKumar-qt8oj]

I have chosen HDFC Fund manager with Auto choice of LC75 is its good??

[@redriv2093]

Yes, it is good but if you are in your 20s, you can choose active choice and allocate 5% in alternate assets and 75% in equity. And then change it in your 30s or 40s

[@anmol.khandelwal_]

Best

[@Kishorpadala]

Can central government employees opt for HDFC as their fund manager with the LC 50 option? Thank you in advance.

[@bikashghoshal2539]

why a certain amount of subscription to nps is deducted?

[@iGuruPrasad]

Thanks :-)

[@ETMONEY]

Hi, nothing pleases us more than knowing that our content proved useful to our viewers. Do take out time to share it with your near and dear ones as well.

[@ajithcsj]

Hi,ET Money. Which fund manager is good in Corporate ECG section for govt. Employees?

[@ETMONEY]

Hello, will pass on your query to our content team. Hopefully, they can plan a video around this theme.

[@user-hq1lf3ve3i]

@ETMoney: What would the charges differ if a subscriber multiple fund manager for various asset classes instead of a single fund manager?

[@govindsharangupta7202]

What's the cost of changing fund managers

[@zaheedkamaal3692]

Also make a video on Corporate NPS.

[@ETMONEY]

Hello, thanks for your suggestion. Will share it with the content team.

[@KishanKumar-gh3gu]

Corporate nps is a hidden gem a very few knows about. And limited companies offers such plans

[@naveengoswami1772]

Hii sir i recently select sbi as fund menager please advise me should i go with sbi or hdfc..

[@ETMONEY]

Hello, while we cannot advise you on whether or not you should quit a fund manager, based on five-year rolling returns, SBI's E, G, C and A schemes rank 5, 5, 3 and 1, respectively.

[@ssamanta72]

What about the new fund managers?

[@ummahacademy786]

How to check the portfolio of different nps fund ...

[@knarasimhareddy8537]

Just I opened NPS ac at Axis Bank they suggested for axis fund manager? Can u pl suggest me what could I do

[@sarojt05]

If I transfer fund from NPS tier 2 to tier 1 , then am i going to pay LTCG or STCG..?

[@ETMONEY]

Hello, there is limited clarity on the taxation of withdrawals from the NPS Tier II account. One approach is to add the gains to your income and pay the tax as per the slab rate. But we would encourage you to consult your tax advisor on this.

[@Monk-wv4ub]

But why UTI E show better on nps link

[@sanjeev2382]

13% return of hdfc is in, auto choice or active choice?

[@shrikantkhandagale1223]

Looks like HDFC has paid for this promotional video . Why you have selected 5 year period and why not since inception or since last 1 year? Because HDFC has done better in the 5 year period, you have chosen that just to show better returns. Also why to take a rolling return and why not simply point to point comparison? In last year, HDFC has been worst performer in all asset classes. In G1 it is 8th or 9th among 10 PFMs. Always go for PSU companies where there is no mis-selling

[@ETMONEY]

Hello, thanks for sharing your concerns. The five-year period is a standard long-term performance metric. Since these are rolling returns based on the available data between September-end 2016 and September-end 2023, this is the best metric we could have used. One year would have been too short a period to evaluate performance, especially of equity. Also, rolling returns are a more reliable metric than point-to-point returns.

[@jonicandjaden9597]

Is there a way to change the fund manager after starting an auto choice NPS account? For example I have been investing in SBI Pension Plan since the last 3 years and I want to switch to HDFC now. Kindly reply. Thank you.

[@vigneshponnusamy9335]

Yes you can

[@raghunathk7684]

Does NPS provide option to switch fund manger though the account is auto choice NPS account from past 5 years? Also if i have option to switch fund manger in AUTO choice is that possible to select different Fund manager for different 'E' , 'G' & 'C'. Eg. Hdfc , Lic n sbi as shown in the video?

[@vigneshponnusamy9335]

If you are a central govt employee, you can't as far as I know. Otherwise you can change either from website or from mobile app.

[@prash646]

Please tell me how to check returns of nps ,nps website showing roi but it is overall returns but how to see equity, corporate, government seperately,is it possible

[@sanjaygargish]

Sir, few days back I looked at the performance of various PFMs in Class E at NPS Trust website. To my dismay, I found that HDFC has been laggard for quite some time. There's difference of about 4% in Kotak and HDFC! Sir, should I change my PFM to Kotak Or ICICI Or stick with HDFC? Kindly suggest.

[@adarshyadav2686]

I changed for equity from hdfc to kotak, for govt bond from hdfc to lic and for corp bond it is still hdfc

[@sanjaygargish]

@@adarshyadav2686 Excellent! I also will do the same.

[@nagasundarisundari6543]

PFM should be selected as ICICI as my company tie up with them.

[@raunakgupta2431]

Opt et money to get the worst customer experience

[@AjitJoshi686]

Can one create account of anyone or survivors in ET Money ?

[@ETMONEY]

Hello, no, only one individual per PRAN is allowed.

[@AjitJoshi686]

@@ETMONEY Thanks . I was asking for Mutual Fund investment and not NPS.

[@ETMONEY]

@@AjitJoshi686 No, even that's not possible

[@PunajiKavde]

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[@ashishdatta3003]

NPS literally seems the worst option for retirement... Just do an SIP in any index fund or any good flexicap fund for 15-20 years or until retirement and you are better off than this NPS lock in annuity stupidity. NPS is good only for insurance companies and fund managers AUM..... Just tell me one good reason why I should lock up my hard earned money for so many years and then be forced to buy an annuity?

[@ETMONEY]

Why just one? Let us give you a few reasons... 1. You lock your money, AND THAT IS GOOD THING. You need to make sure you have money for your retirement. Self-control to not withdraw before retirement is easy to say but difficult to practice 2. You get asset allocation-based portfolio and tax-free rebalancing. We are sure you know, 90% of a portfolio's returns are because of asset allocation. So that's one thing, and then the rebalancing ensures you buy low and sell high automatically without paying any taxes 3. It's an EEE product. You can save tax beyond the second 80c. There is no tax on the final amount or returns generated. 4. Low cost. It is perhaps the world's cheapest retirement plan. We don't need to tell you the relation between cost and returns. 5. Annuity ensures you get a pension. That's why it is called the National Pension System. This might evolve to find other ways to give pensions, like with the launch of a new systematic withdrawal option.

[@jhanwarr]

Try beating returns of a EEE product. You will realize that you can't.

[@KishanKumar-gh3gu]

Agar aapko koe bole 50000 ka maal 35000 me lelo to loge ? Agar ha to nps lelo. The day you invested 50k you saved 15k tax on that financial year(if you fall under 30% tax category, 10k if under 20% tax bracket) anyway if you are not investing these 15k you are paying it to govt and if investing in mitual fund those similar amount is getting locked and coming to your pocket as pension. Basically i describe EEE in someway

[@nikhil1804]

New way to hide underperformance in yoy basis..rolling return should campare using sharpe ratio, trenor measure or tracking error. If purpose is to educate investor why not use all metrics to compare and then judge. Stop misguiding people. Just put the entire data and let them pick what is best for them.

[@ETMONEY]

Hello, rolling returns are the most reliable metric for measuring performance. However, we always encourage our viewers to do their own due diligence before taking an investment decision.

[@vijit8405]

Itna fund isiliye h kyunki saare govt. Employees ka paisa pada h inke paas sabse chutiya scheme h ye galti se bhi mat karna invest aapke paas koi choice nahi h lock in period kaafi bada h aur 60 saal k baad 40 percent annuity fund me rkh lete h aur us par 3-4 percent ka return dete h.. Bhool kar bhi mat krna invest doob jaoge isse better khud research karke ache mutual fund me invest karo aur kuch na smjh aaye to index fund me laga lo paisa isse jyada return milega

[@ETMONEY]

Hello, the NPS is a retirement tool which has its own plusses and minuses. For instance, a big plus is that it gets you an additional Rs 50,000 deduction under Section 80CCD(1B). All investment products have their pros and cons, and one should pick the one which best meets one's requirements.

[@vijit8405]

@@ETMONEY aap sahi keh rhe h mai aapko galat nahi bol rha aapka content acha h but ye scheme sabse bekaar scheme lagi mujhe personally ek to itna lamba lock in period uske baad bhi pura paisa aapko retirement me nahi milega aur jise ye annuity plan bata kar janta ka bewakoof bana rhe h usme saving se bhi kam intrest de rhe fd to door ki baat rhi aur humare paise se khud ye pvt players apne liye 12 percent minimum kamayenge aur hume pension me 3 percent ka return denge to 50000 ka deduction ka sirf ek benifit aur baaki max cheejo me nuksaan balki overall dekha jaaye to govt ka pvt players ko humare paiso se puri tarah se khelne ka adhikaar de rhi h

[@vijit8405]

@@ETMONEY and agar ye scheme itni hi achi h to saare neta kyu nahi isme invest kar rhe kyu apne liye old pension scheme rkhi aur baaki janta k liye nps agar ye scheme itni hi achi hoti to khud par bhi laagoo karte meri to aapse request h k aisi schemes k sirf pros nahi cons bhi maximize karke bataye

[@MINATOYELLOWFLSH2005]

Seems, HDFC had paif quite a lot in this video.😂

[@NeerajKumar-qd7yu]

No customer care number..... Ignore this APP

[@ETMONEY]

Hello, I understand that you want to contact us. Please visit www.etmoney.com/help. Here, you can also generate a ticket and a customer-service executive will get back to you.

[@rameshsahanijee]

How i invest in tear 2

[@user-uj4ek8gj1w]

Why you ET People don't provide any customer care number due to that your platform become pathetic to use and untrustable for your customer

[@VmlucyBDaGV2aQ]

Sorry to say this. Content is really good. Presentation is not really good. Difficult to watch.

[@mazharali5959]

I don,t see any problem in presentation

[@ETMONEY]

Hello, I am sorry to know that you didn't like the presentation. If you can share specific points, I can pass them on to our content/video teams.

[@VmlucyBDaGV2aQ]

@@ETMONEY Thanks for your reply. It might be purely a personal feeling. For ex, there is a famous physics youtube channel - Tibees. I like her content. But her whispery voice is intolerable for me. So, I give her videos a skip. But many people like it and the channel is too big. This might be something similar. May be the fact that the presenter is holding his hands stiff throughout the video or something similar might be my problem. I really don't know. It may not be a problem for many viewers. But no matter what, the content is really great. That's what matters the most.

[@ETMONEY]

@@VmlucyBDaGV2aQ Thanks for the feedback.

[@mazharali5959]

@VmlucyBDaGV2aQ Bro, but where is the problem 🤔 in presentation. Its regarding mic/sound effect🎤 , just be particular next time rather than pointing something