Your command over English, the break down of NPS and to put down all points in simple layman's term is commendable, plus, not to forget the hard work on research and presentation is impeccable, ❤
@shankarnath10 ай бұрын
Thanks for that! The use of audio and visual allows me to access different senses in the viewer's body (ear, eyes, brain) .. glad to know it all comes together in these videos to help you learn and retain information
@rohancoepmech Жыл бұрын
There is no INSIGHTFUL AND better video on NPS THAN THIS... AMAZING Shankar continues to be the best and better than the rest. ALWAYS
@shankarnath Жыл бұрын
Thank you Rohan ji. Glad you found this video useful and informative.
@avinabasahoo1989 Жыл бұрын
Completely agree with you. No other source is so simple, comprehensive and easy end-to-end process insights
@dheerajkura59144 ай бұрын
I agree with compliments 👍
@genericstospecifics1856 Жыл бұрын
I was looking at videos about nps just this morning, today is my lucky day
@shankarnath Жыл бұрын
Damn, if the markets were open today .. you could have made a killing :) .. ah well, enjoy the video!
@drkeval Жыл бұрын
That's called AI
@rammani717027 күн бұрын
This video has given me better information than my own company finance team. Thanks a lot!!
@shankarnath27 күн бұрын
Glad to hear that. Most welcome 🙌
@ragupathi4129Ай бұрын
Searching details about NPS, Your video gives more clarity on NPS, Thank you.
@shankarnathАй бұрын
Most welcome. Glad it was helpful! 🙌
@yjtalksfromheart11 ай бұрын
Really nice video, I searched for multiple videos for NPS. Here is what stood out for me in this video - The video is running at such a steady pace that we can get involved yet not feel that the video is running. Reminds me of my days in graduation, there is always that one teacher who explains in a calm manner, thank you!
@shankarnath11 ай бұрын
Glad you liked the content and video, Yuvraj ji. Much appreciated 🙌
@teammoneymatters Жыл бұрын
Dear Sir, thank you for creating such insightful content. One correction - as of this year, we're allowed to select different managers for different schemes. I myself have selected LIC for "G", while HDFC for all others.
@shankarnath Жыл бұрын
Most welcome, glad you liked it. Yes, I got to know this now .. and I'll update all viewers later tonight on this (and other changes I missed out on) via a pinned comment. Thanks for letting me know.
@debajanisarma1673 Жыл бұрын
@@shankarnathSir what is the minimum rate of interest we can expect in NPS? I have PPF . So can I open a NPS ACCOUNT for my 3 year old child.I am 44.
@shankarnath Жыл бұрын
Hi - both questions were addressed in the video. Kindly have a watch pls. To recap: 1. NPS does not offer an interest rate but returns are market linked 2. NPS is for Indian citizens aged 18 years and above
@meghanaabhyankar9151 Жыл бұрын
@@shankarnathAllowed only by NSDL, not the other CRA's.
@debajanisarma1673 Жыл бұрын
@@shankarnath thank you so much for the instant response.
@dpacsaml Жыл бұрын
The amount of research that must have gone into making this video! So informative. This should be behind a paywall. Can’t believe this is free.
@Mysangeeet Жыл бұрын
:| not heard about adsense?
@shankarnath Жыл бұрын
Hi, for my understanding on perspectives: @dpacsaml - how much should one charge for a video like this? @Mysangeeet - how much do you think Adsense pays the creator for a video like this (assuming every viewer saw 2 ads)?
@dpacsaml Жыл бұрын
@@shankarnath I’m not able to comment on how much to charge Sir, but pls do check out Anand Srinivasan. He gives investment advice on the stock market (in tamil) and has written books, does tours where people can come meet him and ask qns, gives out interviews etc. He also used to meet people 1-1 for a fee (but I think he’s stopped doing this now as he’s become too popular). Ultimately people will pay for quality content.
@balwantgusain7904 Жыл бұрын
This is the best of the best presentation on NPS. Your value addition is wonderful.🎉🎉❤❤😀😀
@shankarnath Жыл бұрын
Thank you very much!
@aganguly739 ай бұрын
Excellent Video, Mr. Shankar. Simple, straight forward and comprehensive. Thanks.
@shankarnath9 ай бұрын
Thank you very much 🙌
@phanishtn17977 ай бұрын
Absolutely detailed view of NPS...Appreciate the research and thoughts put forward
@shankarnath7 ай бұрын
Most welcome
@adityasinha13 Жыл бұрын
Hi Shankar, great and informative videos as always. Just a point on the scheme managers. I believe now it is allowed to choose 3 different managers for Asset Class E, C and G. However, Asset Class A has to be a manager from one of the 3 chosen for other asset classes.
@shankarnath Жыл бұрын
Thank you. Yes, I was made aware of this now and a couple of viewers even shared screenshots. I had the feeling this was possible but couldn't find any literature to this effect - but now, its clarified.
@j2whoami9 ай бұрын
One of the most lucid presenters out there - Thank you. 🙏
@shankarnath9 ай бұрын
Appreciate that 🙌
@sriramsoundhrapandyan Жыл бұрын
Minimum contribution in TIER 1 NPS account per year is INR 1000 Sir.. Your presentation was excellent and timely since i had joined ICICI PRU PFM as their Pension Advisor only recently and needed clear information to take the concept forward and to my Clients. I am a Mutual Funds Distributor Sir.. Thank You.🌷🌹
@shankarnath Жыл бұрын
Thank you very much for clarifying on the minimum contribution, there were multiple numbers floating around. Wishing you the best!
@geetsgovind89257 ай бұрын
What will happen if i haven't made any contribution for several years in NPS, how can I make it active again ?
@veeramanir8578 Жыл бұрын
Complete and fantastic video of about NPS so far among watched by me 😅
@shankarnath Жыл бұрын
Thank you. Glad you liked it
@TheBtrivedi2 ай бұрын
Shankar - You are Rohit Sharma + Virat Kohli combined. Superb explanations. Your one video gives not only the overall picture but also with great details. Thanks for doing detailed research in preparation for this video.
@shankarnath2 ай бұрын
Thank you very much 🙌 .. albeit I have no plans to retire!
@kinshuksrivastava6128Ай бұрын
@@shankarnath sir your sense of humour is also great. And your videos are very informative, you gained a subscriber today.
@shankarnathАй бұрын
@@kinshuksrivastava6128 Welcome aboard!
@szsouvikzs Жыл бұрын
Wow Shankar ji, such a detailed video. I can only imagine the amount of efforts you have put into it. Hats off to you sir.
@shankarnath Жыл бұрын
Thank you very much for your kind appreciation. Most videos take about 5 days of effort (2 days in research and scripting, 0.5 days in recording, 2 days in editing & 0.5 days in other activities like uploading, answering comments etc.)
@naveenkumarsharma2716 Жыл бұрын
Pension part should be tax free and managed by PFRDA or Central Government …… because no one can predict what will happen if private annuity manager company defaults or could not manage regular Pension Payouts.
@somshridhar9 ай бұрын
Best explanation ever First time I understood clearly. Thanks
@shankarnath9 ай бұрын
Most welcome. Great to hear! I'm happy you found it useful
@smv55202 ай бұрын
Thank you so much. Really helpful and appreciate your efforts to put such clear content on NPS.
@shankarnath2 ай бұрын
So nice of you. Thank you!
@suryanarayanachennai9415 Жыл бұрын
Very clearly explained sir. I would share your video with youngesters. Keep it up.🎉
@shankarnath Жыл бұрын
Thank you very much! 🙌
@sandipghiya3493 Жыл бұрын
You have done extremely good job by providing various opportunities in NPS which surely would provide idea to individual to select and design life
@shankarnath Жыл бұрын
Thank you for the kind words, Sandip ji
@Bhavi4659 Жыл бұрын
Very detailed video and regarding annuities, i had questions from last 3 years from now and they got cleared.
@shankarnath Жыл бұрын
Glad to hear that!
@jobanmathew3081 Жыл бұрын
Actually good u did on NPS , lots of negatives circulating about it
@shankarnath Жыл бұрын
Glad you found it useful!
@sumankabi90816 ай бұрын
Concise and best NPS explanation from you
@shankarnath6 ай бұрын
Thank you!
@SaiSS96110 ай бұрын
What a perfect video! Thanks a ton for making such a comprehensive video on the topic. 🙏👏
@shankarnath10 ай бұрын
Most welcome. Glad you found it informative
@cutandpastejokes4508 Жыл бұрын
Content is super informative and worthy watching each second that there is no need from your side to request not to skip video !! Many Congrats on creating such a Video with sincere effort !! Way to go
@shankarnath Жыл бұрын
Glad you liked it! Thanks for your kind appreciation
@paragvaishampayan9501 Жыл бұрын
Nicely researched designed useful content 🙏.Thank you very much
@shankarnath Жыл бұрын
You are most welcome. Glad you liked it
@praveenruhela8436 Жыл бұрын
Thanks for nice explanation , kindly note that minimum contribution is Rs 1000.00 in Tier 1 to avoid the freezing of the account , earlier this was Rs. 6000.00 .
@shankarnath Жыл бұрын
Most welcome. Can you share the article on this change from 6k to 1k? I'm unable to find one. Thanks!
@debajanisarma1673 Жыл бұрын
@@shankarnathshared your video. Can you please suggest the best investment for a 3 year old child. I am 44 and need to invest wisely for my child.
@sudharsanmohandoss146 Жыл бұрын
@@shankarnath what will be the maximum contribution in Tier-1 per annum?
@cutandpastejokes4508 Жыл бұрын
No upper limit
@atuldubey1999 Жыл бұрын
Thank you Sir, what a thorough and insightful video on NPS.
@shankarnath Жыл бұрын
Most welcome. Glad you found it useful and informative
@arunj488 ай бұрын
Very detailed.. finally i got some grip on this topic
@shankarnath8 ай бұрын
Glad you found it useful 🙌
@134278 Жыл бұрын
Excellent info Shankar, Thanks! I am your subscriber
@shankarnath Жыл бұрын
So nice of you and thanks!
@syedismail2831 Жыл бұрын
Thanks Shankar. Really insightful and crisp.
@shankarnath Жыл бұрын
Most welcome. Glad you liked it!
@NaveenKumar-zm9xw7 ай бұрын
Great video and explanation.. Simple and effective..
@shankarnath7 ай бұрын
Glad you liked it
@rrajeshmottwani709610 ай бұрын
Excellent presentation. Really appreciate your efforts. Thankyou
@shankarnath10 ай бұрын
You are most welcome 🙌
@naveenkumarsharma2716 Жыл бұрын
Excellent and very informative presentation 👏👏👏 Thanks Mr Shankar 🙏🙏
@shankarnath Жыл бұрын
You're most welcome. Glad you liked it
@frivolousfemmeАй бұрын
The maximum asset allocation for equity in active choice has been updated to 100% for Tier II and now subscribers can select upto 3 different PFM across different asset class
@shankarnathАй бұрын
Thx for letting me know
@martimeworld17911 ай бұрын
Really appreciate your work on making informative content. Thank you sir.🥺
@shankarnath11 ай бұрын
Thank you very much for your kind appreciation
@gsanjib78 Жыл бұрын
Quality Content as always...it should a Million subscriber Channel
@shankarnath Жыл бұрын
Thank you for your kind appreciation, Sanjib ji
@payalgedam7189 Жыл бұрын
Sir can we give monthly standing instructions from bank account to NPS and how ?
@liuxian558 Жыл бұрын
Govt must make NPS more attractive. In its present form, its just not good enough. I have seen college Professors, school principals & state govt employees getting pension equal to minimum wage post retirement. People would keep demanding return to old pension system if this continues.
@ashwin9823 Жыл бұрын
Obviously old pension scheme remains a better option over nps
@islandsunset8 ай бұрын
I am amazed that people who joined service post NPS retired already. There is an option where you can opt for a sum when you retire and the rest is given in monthly installments. It is very possible that they took a bulk out when they retired or their contribution when they were in service was minimum. Assuming the NPS is inherently bad is wrong. There are factors that are out of the control of the government. Old pension system is good for the employees but very bad for the government. With NPS they tried to cut their expenditure on pensions but many governments rolling back to OPS is wrong too.
@satyambansal2856 Жыл бұрын
Very insightful video. ❤
@shankarnath Жыл бұрын
Glad it was helpful!
@aaravdvlogger6985 ай бұрын
nicely articulated
@shankarnath5 ай бұрын
Thank you!
@nikhilgupta62611 ай бұрын
Really nice comprehensive explanation though little long but wholesome. Thank you !
@shankarnath11 ай бұрын
You're welcome! Please utilize the 1.5x (or faster) speed option on KZbin to save time
@moshelerulkar70213 ай бұрын
Thank you for sharing comprehensive video on NPS. I want to ask, what happens if a subscriber leaves the country permanently before the age of 60 and gives up Indian citizenship?
@shankarnath3 ай бұрын
Most welcome. Pls refer to point 3 of npscra.nsdl.co.in/download/Nodal%20Office/NPS_FAQ's.pdf
@kishorekumar-qg5iq Жыл бұрын
Holistic View on NPS. ❤
@shankarnath Жыл бұрын
Glad you found it useful!
@gouravbose8105 Жыл бұрын
Nice Explanation Shankar! However, as NPS is retirement, instruments, so can you also make content on Guranteed return income like jeevan umang etc
@shankarnath Жыл бұрын
Thank you Gourav ji for the suggestion. I'll add it to my content queue.
@dsaha7700 Жыл бұрын
Shankar Ji, Many thanks as you have enhanced our knowledge on "NPS"... ( R u gaining a weight) ??
@shankarnath Жыл бұрын
Most welcome. Yes, there is some renovation work going at my place .. so I'm quite tired these last 3-4 weeks. This has affected my video schedule and my walk schedule aswell. This'll go on until the 15th of next month & then I'll spruce back to normalcy.
@RaghunathReddy-w7qАй бұрын
Very Informative
@shankarnathАй бұрын
Thank you 🙌
@user-hv4ys1no8t8 ай бұрын
@shankar Ji - the site now allows choosing different fund manager for each asset class - hope you can update the same in your otherwize excellent video
@shankarnath8 ай бұрын
Unfortunately, I can't update it within this video as no video platform allows modifications. I'll add it when I do a followup video on this.
@krishnakishoreramadugu3754 Жыл бұрын
Excellent video ..... Deserves more views
@shankarnath Жыл бұрын
Thank you!
@gaurav2009june8 ай бұрын
Many thanks, it is a wonderful video.
@shankarnath8 ай бұрын
Thank you
@tejab83523 ай бұрын
Thank you, Very helpful
@shankarnath3 ай бұрын
You're welcome!
@kambleshridhar1Ай бұрын
Hi Shankar very informative, how beneficial is it to open account by individual (self) or by an agent , how much the charges affect to individual investor.
@shankarnathАй бұрын
Thank you! Different agents have a different charge structure. For example - ETMoney (NPS agent) used to charge 0.25% per txn, not sure what's the case presently.
@itsak26 Жыл бұрын
Great comprehensive video..👍 A question - Many organisations mandates retirement age at 58 years whereas NPS retirement age is 60 years. This should be changed and Govt should look into it.
@shankarnath Жыл бұрын
Thank you for your appreciation
@sumankabi90816 ай бұрын
Great video..I have a query - I have choosen Tata from the tier list .little afraid becoz i didn't see any return% from the tata fund manager in this video.how do you see it ? Any suggestion pls share
@AB-cf8hy9 ай бұрын
I am government employee. 7 saal se NPS me payment deduct ho raha hai aur 7 saal ka CAGR sirf 7.5 percent hai. Retirement ke sare calculation fail ho gaye mere. Isse achha to government kisi bhi index fund me investment kr deti. Atleast 12 percent ka CAGR to milta. June 2020 se bull market chal raha hai market all time high pe high laga raha hai aur NPS ka CAGR sirf 7.5 percent. Govt me bevkuf to nhi bana rahi hai.
@AB-cf8hy9 ай бұрын
Sir aap ko kya lagta hai NPS kitna CAGR dega long term me. Kya NPS sach me retirement ke liye behatar hai. Pls reply dena 🙏🙏
@vishalgautam-ky2oo Жыл бұрын
Dear Sir, I am your regularly watching your video . thanks a lot for such a wonderful video, in which you covered all information regarding NPS.I have watched so many videos on NPS, but till date this is the best and carrying all relevant and important information in it. thanks again sir. Sir one question , a central government employee can continue NPS after retirement with or without contribution. please clear this query.
@shankarnath Жыл бұрын
Thank you very much, glad you found it useful. There is a useful table which might help you resolve your quandary. May I request you to have a look at it. Link: npscra.nsdl.co.in/nps-exit/
@AmrinderSinghRandhawa6 ай бұрын
@shankarnath The NPS scheme is now open to Non Resident Indians (NRIs) & Overseas Citizens of India (OCIs), but currently it is limited to Tier 1 account only.
@rakada Жыл бұрын
There is one NPS TTS which is only for central government employees. Active choice for govt employees is all in government securities.
@sauravkataruka1 Жыл бұрын
Good research but it is not correct that in active choice all asset classes has to be managed by since PFM. You can choose a different PFM for each asset class. I have done it myself and hence confident
@shankarnath Жыл бұрын
Yes, I thought so too but couldn't find any literature. A couple of viewers were kind enough to email me the screenshots and clarify the matter. I'll update it via a pinned comments by tomorrow
@abhishekpurwar99327 ай бұрын
Please make a video with examples of SLW system and the transaction charges one has to bear alongwith tax benefits.
@shankarnath7 ай бұрын
Thanks for the suggestion
@1sanpa Жыл бұрын
Thank you, great video
@shankarnath Жыл бұрын
You are most welcome! 🙌
@SaurabhSingh-in Жыл бұрын
Hi Shankar Sir, great video. Thanks for it. However I would like to mention that we can now choose different pension fund managers for different asset class within same Tier. I am saying because in my Tier 1 account, I have HDFC as fund manager for my 75% class E holdings and LIC as fund manager for my 25% class G holdings. I hold 0% in Class C and Class A.
@shankarnath Жыл бұрын
Thank you Saurabh. Yes, I got to know now and a couple of viewers have sent me an email from where they received that communication and even a screenshot of their NPS portal where this is enabled. I also remember reading of this happening but couldn't find any article to this effect. Thx again for letting me know, I'll update it via a community post or pinned comment for the benefit of all.
@Mysangeeet Жыл бұрын
This is for Manual allocation only?
@SaurabhSingh-in Жыл бұрын
@@shankarnath Thanks Sir
@SaurabhSingh-in Жыл бұрын
@@Mysangeeet Yes. This is for Active choice.
@Secularismsucks11 ай бұрын
Beautifully put. Thanks
@shankarnath11 ай бұрын
You're very welcome
@Sandeep-ci1ej Жыл бұрын
The Hindi version will be more popular and suitable for all users if you start in Hindi Channel
@shankarnath Жыл бұрын
Thanks for the suggestion
@shaharukhpathan53314 ай бұрын
Very very informative vdo
@shankarnath4 ай бұрын
So nice of you. Thanks!
@100Abhilash6 ай бұрын
Thank you. This was helpful.
@shankarnath6 ай бұрын
Most welcome!
@mmddgp5 ай бұрын
Excellent video on NPS. 02 qurried 1.The investment is monthly or yearly. I want to invest ₹50,000/- annually(once in a year) to get Tax exemption of ₹15000/-is it allowed? As FY is at end. 2 .Is such Tax exemption allowed in Tier-II?
@anandranand110 ай бұрын
Neatly explained...
@shankarnath10 ай бұрын
Thanks
@2024YearofLife Жыл бұрын
Very Informative
@shankarnath Жыл бұрын
Glad you liked it
@summitpictures66166 ай бұрын
Thanks for the detailed video!
@shankarnath6 ай бұрын
Most welcome
@kirankumar-mz6or Жыл бұрын
Thanks Sir , well explained 👏
@shankarnath Жыл бұрын
Most welcome! Glad you liked it
@Spark878iu11 ай бұрын
Very insightful video
@shankarnath11 ай бұрын
Glad it was helpful!
@venuda9220 Жыл бұрын
NPS showed how to do a SIP on its Tier 2. But it did not show how SEP could be stopped!! Any one knows how this can be done ?
@sureshgs7407 ай бұрын
The video was extremely informative. However, can the contribution be varied as one's career progresses?
@shankarnath7 ай бұрын
Yes. The NPS amount can be varied
@rajeshkulkarni9869 Жыл бұрын
Really good video sir, thank you
@shankarnath Жыл бұрын
You are very welcome, glad you liked it
@sanjeevgupta7010 Жыл бұрын
Great presentation
@shankarnath Жыл бұрын
Thank you!
@anujoybardhan Жыл бұрын
Nice one Shankar ❤... I too used to think NPS stands for national pension scheme...I actually started my tier 1 account after seeing your video in ETmoney..so far returns are good..but then I need to see how it performs during downturns...have opted for active choice..E60:C20 G15 A5...you could have covered a little more on how to port from one to another pension fund.and also the charges that are involved ..and also on which/how to decide on annuity selection..looking forward to your video on whether to opt for more pension and less EPF...
@shankarnath Жыл бұрын
Thank you very much!
@mugdha_a1115 ай бұрын
Thank you for this explanation but could you please clarify min contribution per year amount? at some places it is 1000 and some articles mention that no min amount is needed
@shankarnath5 ай бұрын
Hello, please refer to point 2 in this webpage: npscra.nsdl.co.in/all-faq-contribution.php
@RAKESHSHARMA-xf9oy Жыл бұрын
Hi, one point is not clear. Recently govt has allowed to choose different fund class for different heads but you mentioned it as not allowed. Pls clarify.
@shankarnath Жыл бұрын
Yes, I have received information from some viewers that this has been allowed although none of us could find information on this. But a couple of viewers sent me screenshots so that's settled then that different pension fund managers can be selected for different asset classes
@adityakothari2350 Жыл бұрын
Thanx a ton as always for sharing yet another insightful video. However, I think one can fully exit NPS when the corpus accumulated is less than 5 lacs. The limits were increased as far as i know. Kindly chk at your end as well 🙏 😊
@shankarnath Жыл бұрын
Most welcome. Can you pls forward any literature on this? I used this table (npscra.nsdl.co.in/nps-exit/) which gave me the scenarios specific to 2.5 lakhs and also 5 lakhs.
@pradhansouvik Жыл бұрын
@@shankarnathI think, in case of premature exit it's 2.5 lakh and in case of superannuation/ retirement it's 5 lakh.
@shankarnath Жыл бұрын
@@pradhansouvik I also think so .. which is why at 18:19, I mentioned 2.5 lakhs as the context was on premature-exit (before 60 years of age)
@bala542 Жыл бұрын
Good Information. thank you
@shankarnath Жыл бұрын
Glad it was helpful!
@adityabharti7532Ай бұрын
thankyou
@shankarnathАй бұрын
Welcome
@roshanjain2059 Жыл бұрын
Think of NPS and video just pop up 👍
@shankarnath Жыл бұрын
Enjoy! :)
@abdevilliers15618 ай бұрын
no body is telling for 50 k tax exemption how much we have to contribute. Getting only 15000 tax exemption when u have deposited 50,000. For this we have to contribute around 165000...
@roadtocrore5 ай бұрын
Just wanted to confirm that if any person is already eligible for pension can apply for NPS or not
@varunchopra4454 Жыл бұрын
Really good video. One query ,what is the cap in employer contribution under 80 CCD2 in terms of total ammount
@gulshankumar-ft7yb Жыл бұрын
10% for private employer and 14% for government
@shankarnath Жыл бұрын
Thank you. This is what the NSDL website says on it: www.npscra.nsdl.co.in/tax-benefits-under-nps.php#:~:text=Additional%20Tax%20Benefit%20is%20available,%2C%20up%2Dto%207.5%20Lakh.
@mitun123das9 ай бұрын
Govt employees can not select active choice option...
@tspbhd213 Жыл бұрын
@Shankar 1st of all it was a great video. Some of my friend is saying not to invest in nps. But to invest in ELSS mutual fund. Because of annuity purchase and less return of NPS. I wanted to know are you a investor in NPS?
@kvsbabu2124 Жыл бұрын
It is a long term investment for your retirement needs.
@devchintu Жыл бұрын
Prefer to have 100% liquidity option over this and also don't believe in govt policy on withdrawal amount.
@raiamit1601 Жыл бұрын
12:30 Hi Shankar, this statement is incorrect. Now you can choose different fund managers within the same tier. For eg you can now choose Hdfc for Equity along with LIC for Corporate, UTI for Govt in the same Tier -1 scheme. I have done it myself. Pl correct the same.
@shankarnath Жыл бұрын
Yes, I thought so too but couldn't find any literature. A couple of viewers were kind enough to email me the screenshots and clarify the matter. I'll update it via a pinned comments by tomorrow
@charanthebond224 күн бұрын
One question: If let's say we have an active choice (75 equity, 15,10), and invest 100 rupees into Tier 1. After 1 year, assuming 40% growth in equity, and 10 % in the other two asset classes, the total value of trh fund would b 75x 1.4 + 25 x 1.1 = 132.5. Will this total sum be readusted to be 75, 15, 10 again, or will they grow parallely?
@shankarnath24 күн бұрын
It will be readjusted (technically called rebalanced)
@charanthebond219 күн бұрын
@@shankarnath are you sure it will be rebalanced, as my question is about Active choice?
@shankarnath19 күн бұрын
@@charanthebond2 No, I am not sure. Pls enquire independently
@kartik123007 Жыл бұрын
Retirement is a very very long term goal, then why all the pension fund managers have 90% of their equity in large caps... its really surprising...
@shankarnath Жыл бұрын
There were some limitations that PFRDA had imposed then. Additionally, the low expense ratio might be making it difficult for the funds to go beyond large caps due to transaction costs. However slowly improvements are being made and I think it wont be long before the funds shape up into a large & mid cap sort of a structure
@sudharsanpartha8687 Жыл бұрын
Hi Shankar ...I work in a central autonomous body...my investment pattern follows default scheme .. hence growth is only 7 percent... I am not able to change my investment pattern online...any suggestions ?
@shankarnath Жыл бұрын
Hi. I believe there are some limitations for government employees on the funds, allocations etc. I've gone deep into that but other viewers have mentioned the same aswell. Apologies, this video is based on the "all-citizen" category (and not around central government, state government & NPS Lite which are other NPS categories)
@archanakamat2635 Жыл бұрын
Excellent video
@shankarnath Жыл бұрын
Thank you very much!
@rajukamal Жыл бұрын
Very informative indeed. Thanks Shankar for this. Any idea what is the benchmark against which the funds are being compared?
@shankarnath Жыл бұрын
Most welcome. Benchmarks available in 09:24
@rajukamal Жыл бұрын
@@shankarnath Thank you. What is not clear is that whether class E funds will always follow Nifty 50 index or it is just a choice of all funds as of date. Can fund managers change course? I couldn't find any data about expense ratio as well. You clearly said taxation is not your forte, but there seems to be confusion on how tier 2 gains are taxed. What I read is that it will be at 20% with indexation after 3 years. But that is potentially high in comparison with Nifty 50 index funds in a brokerage account where it will be 10% LTCG.
@shankarnath Жыл бұрын
1. The PFRDA has some guidelines on the kind of stocks that a fund manager can invest into. I read about it somewhere a couple years back, maybe in some news article. Something in the lines of top 200 companies with F&O participation. I also read that PFRDA has relaxed some of it. So, the size and shape of Class E (or any other class) will continue evolving. 2. Expense ratio information can be found on the pension fund manager website
@sreejaysreedharan4085 Жыл бұрын
Quality content as usual ..But Shankarji does it really make sense opening a new nps account for people above 46years? Also can lumpsome money be invested or it's just monthly investments? would request your inputs here.Thanks.
@shankarnath Жыл бұрын
Thank you! 1. NPS extends until the age of 75 .. so even at 46, that's a three decade runway. One should keep that into consideration aswell along with one's financial plans. 2. Yes, contribution can be made in lumpsum mode aswell
@hirajlotlikar9226 Жыл бұрын
Very informative,
@shankarnath Жыл бұрын
Glad it was helpful!
@family_first_guy Жыл бұрын
Shankar Sir, please make a video on financial and retirement planning