Retire with NPS: 12 Key Features

[@bagavathirajanramaraj7390]

The best video for NPS. No one has provided details at this level

[@varsitybyzerodha]

Thank you so much! Glad you found it detailed and helpful 😊

[@blackmaskmask6109]

Excellent video. My only reason not investing in NPS is mandatory Annuity purchase.

[@premkumarh]

The govt will find a way to screw this scheme for sure😂😂😂

[@jinxtrinkx5732]

The day isnt far away.

[@kim-o-san]

Govt has already screwed it.

[@jishnu18]

With annuity it is already screwed. For pvt employees it makes no sense if they have some knowledge regarding investments

[@narendrapai2124]

They already have.. they are now discouraging savings by introducing new tax structure

[@shubhamsachan6419]

The central government will screw NPS also in future like what they did with the SGB scheme

[@MuddaniBhanuPrakash]

Comprehensive video for NPS. Clearly explained along with Links so that we can analyze.👏👏

[@varsitybyzerodha]

Glad it was helpful!

[@okgcyou]

Detailed yet easy to understand video. Keep making similar videos for all the complicated invested products ❤

[@varsitybyzerodha]

Thanks a lot! Your encouragement means a lot. We’ll keep breaking down complex topics for you

[@deepakmalik73]

Explained in very simple way… outstanding presentation skills

[@varsitybyzerodha]

Thank you so much! Happy to know you liked the explanation 😊

[@the007dhruv]

Informative video...Please check the basic math at 15:08; Minimum contribution of EPF, 12% of 15000 is 1800 / Month not 18000.

[@Fireddoctor]

Way to go Shradhdha..Awesome video. 👍🏻

[@techybanker]

Best speaker perfect presentation 🎉

[@varsitybyzerodha]

Thank you! 😃

[@amitetgmail]

What an excellent video! Suggestion: given your extensive reach, can you start interviewing folks with actual experiences in partial withdrawal or folks who have attained maturity?

[@dreamerLevel]

Its great that you guys putting forward finances videos in general and not only stock market specifics. Didnt knew about NPS. Thanks alot

[@bpk_408]

Don't go for NPS think about SGB govt closed SGB similar way govt might close NPS sooner or later

[@dreamerLevel]

@@bpk_408 fine with it, ill remove when it gets closed. people who had sgb are still holding it and can sell it anytime. anyway i aint gonna dump a shit load of money in this thing which doesn't allow me to fully bail out my money, gonna do MF instead.

[@sanjaydhawan6910]

Very well explained.Will wait for more such videos.Thanks

[@varsitybyzerodha]

Thanks a lot! Happy to know you’re looking forward to more content 🙌

[@shanmuunni6]

Error at 15:12 PPF minimum contribution is 500p.a. not 15000

[@itsak26]

True that.. I was also wondering the same thing. It's 500

[@Lifelines0786]

Very Informative ❤

[@varsitybyzerodha]

Glad you liked it

[@sunilkoli8494]

Thanks for the detailed video.

[@varsitybyzerodha]

Thanks a lot! Glad the details were helpful to you 🙌

[@himanshusabharwal]

You forgot the new SWP provision introduced in nps (forgetting that is a big blunder)..That solves the annuity problem.

[@theindianrover2007]

Great video . please make a correction in comparison table , min contribution in ppf is rs 500 not 15k

[@callnishanth]

Not being able to decide what i can do with 100% of my own corpus is a big Red flag for me. Return percentages of Annuity (when i retire) are the helm of the not so trusted companies of this country.

[@ramnarayankesari483]

I have two PRAN id one with APY and another with NPS. So do I need to close one?

[@trnswamy]

Very well presented.

[@varsitybyzerodha]

Thank you so much! Glad you liked the presentation 😊

[@Shanmukhabattu]

What if person invested amount after age 50 allocations changes is same or different in active funds at 75 % or else same like 50 % in auto fund

[@ShawJiTalks]

G8 information Thanks ❤

[@varsitybyzerodha]

So happy you liked it! 😊

[@shobhakumari2577]

Equity,corpotate,date,ke liye alg alg fund manager's kaise chune.ye option govt employ ke liye hai ki madam...

[@SandeepSingh-sz6kl]

The only drawback that I see is if I quit my job and don't intend to work for any company in the future, I don't get to have all the money withdrawn. I believe some flexibility should be provided for withdrawal of the full amount till the age of say 45 or 50. If we don't exercise such an option, then it can continue being like what normally NPS works.

[@varsitybyzerodha]

You're right, early withdrawals are restricted in NPS to ensure long-term financial security. To balance this, consider diversifying your retirement corpus with investments that offer more liquidity.

[@globetrotter9212]

It's a pension fund.😅

[@luckybabe9]

apple podcast?

[@nitinprane]

Nice information sharing

[@varsitybyzerodha]

Glad you liked it!

[@aryanbisht918]

I have one question, as in EPF some amount is added by me and some by my company in the similar way can I my company add money per month on my NPS account if he/she agrees for this. And 1 more thing can I close my EPF account if I am doing NPS. Please clarify these thing as it will be very helpful. Thanks.

[@varsitybyzerodha]

Yes, your employer can contribute to your NPS if the company has opted for the Corporate NPS Model, but you cannot close your EPF account as it is compulsory for salaried employees earning ₹15,000/month (basic salary) and mandatory for companies with 20 or more employees.

[@edak1082]

Super video

[@varsitybyzerodha]

Thanks a lot! Glad the information was helpful to you 😊

[@V.Krishnamoorthy19]

please explain about APY scheme details like this

[@varsitybyzerodha]

Great suggestion! We'll try to include it in a future video

[@V.Krishnamoorthy19]

@varsitybyzerodha thanks

[@shivamjethwa]

NPS Vatsalya tax benefits?

[@varsitybyzerodha]

NPS Vatsalya does not offer the same tax benefits as regular NPS. At present, there are no tax benefits for parents under NPS Vatsalya, and the government is yet to provide clarity. Hopefully, the upcoming budget will offer more details.

[@shettigarrammohan2201]

NPS investors can now invest up to 75% in equity till age of 60

[@45super]

I am interested in ops

[@kirankumarbastawadi1367]

NPS tax benefits in new tax regime?

[@santhoshsreshta]

Yes

[@varsitybyzerodha]

In the New Tax Regime, only the contribution made by your employer, covered under Section 80CCD(2), is eligible for tax benefits.

[@navinderpuri2439]

Zerodha doesn’t want to mess with government hence just stated if you love lock in of ur money n love your money to be taken away by annuity provider then this scheme is for you

[@SPilla8]

Great content. Make comparison video also(in english)

[@varsitybyzerodha]

Thank you! Glad you liked it. Noted your suggestion!

[@subodhadavadkar7158]

NPS used to be EEE. Now minimum 40% corpus needs to go to buy annuity and momthly pension is taxable. Also old regime could be done with in max 2-3 years. Dont invest in NPS, I am regretting my decision. Just buy MF instead, you have freedom to take out money whenever you need

[@rahuldale6897]

And at the end when this scheme will start to mature and Gov have to payback benefits, Nimmu will come to screw us all😅😅

[@rkumarrajput]

Don’t worry she will not be in this world till that time😀

[@shahinsvs]

@@rkumarrajputbut her government will. It’s the government policies, not the person matters

[@luisarroyo8111]

What is stopping the poorest of the poor accessing this information?

[@08pkz]

The will to learn

[@bpk_408]

What if the govt decides to close this scheme like SGB. For past 1yr no SGB because govt got negative returns through SGB and Mr.das ex rbi governor got a blow from FM ...So NPS is not a way to evade tax it's another way to increase revenue for govt and ditch the so called middle class

[@nagarajubandi3131]

Very👍 informative. Thank you so much madam. I am very very small investor i can invest only 2,300 rs in share market for purchase of KERNEX MICRO SYSTEMS ( INDIA) LIMITED for long term investment please🙏 advice

[@devalsays]

And Gov thinks people will read this much which took 17 min of talk ... and none of this taught at school or collage level .. and All Engineers going abroad .. teach this in schools

[@gowthamkrishnasamy]

NPS is another organised loot by the government. You pay 5000 monthly and it turns to 6cr your return will be 12% but you can only withdraw 60% (3.6CR) now your returns are down to 10% . The remaining balance you have to make an annuity purchase current annuity returns are 6% maximum if you choose return of premium it will be reduced to 5%. And this returns are taxed based on your slab. Instead of NPS you can invest in index fund can generate more than this and have more control on the money. Make wise choice. Better pay the tax and get your money when needed.

[@pushkarerande123]

People who are putting money in NPS are fooling themselves for small tax deduction. *** Disadvantages : 1. Mandatory lock-in is upto when person becomes 60 years old, so NO LIQUIDITY, no access to that money if needed in between. 2. Major difference : It is a government scheme. NOT a government backed scheme. Meaning the returns do not have sovereign guarantee. Returns are based on underlying assets, which are mainly equity, so...volatile. 3. Even if it seems that returns are tax free upon maturity, 40% amount goes into annuity scheme, which gives 5.5% return (taxable). Remaining 60% amount HAS to be invested somewhere. If we keep that 60% in bank savings account, currency depreciation will decrease its value within next few years. Also, returns on that 60% invested amount will be taxable. ___ All in all, no guarantee of returns due to dependence on stock market, no liquidity and 40% amount goes to annuity which gives average 5.5% returns. The scheme suks. Better to invest in separate investment schemes like FDs, open ended mutual funds, bonds for retirement.

[@RajveerSingh-vf7pr]

it's just use less. No matter your tax bracket... Since it's a long term investment, go for nifty fifty MF.

[@NITISHBHATT008]

Cons are more then pros.

[@___yeeshu___]

Who will live till 75😂

[@tradepandey420]

Saw another nps video ,, it’s still complicated,,, nps is a shit

[@ranjeetjaswal9005]

😂

[@jishnu18]

Age old MF is much better than this annuity nonsense

[@pspol3273]

Useless product.. invest in index fund

[@MGX5683]

Zerodha will looot everyone , commission agents