With the recent announcement of a long term capital gains tax on Mutual funds, investors have been looking at alternatives to make their investments. An older debate that has surface again is that if it makes sense to invest in NPS. Really? So, my friend called me again on the weekend. “Hey Vipin, couple of […]
Investing in NPS – Sending your money to life imprisonment?
I compare investing in NPS to putting your money behind bars. If this headline sounds like a clickbait to you, wait to hear about your favourite investment, NPS or National Pension Scheme and the bigger bait you are falling for. Are you investing in NPS? I have seen all kinds of investors – young and […]
Notes on PPF, VPF, NPS and Debt funds as investment options
Recently, someone pointed out to me that the PPF interest rate is now at 7.9% – the lowest in 40 years. In fact, The interest rates on various saving schemes are falling and savers are finding it difficult to decide where to put the money for getting better returns. There is a slight problem with this thinking. We tend to look […]
NPS Withdrawal- Current rules you should know
In the previous two posts on NPS, we covered two questions about whether NPS provides assured returns and how some investors overestimate their tax benefits. In this post, let’s understand the withdrawal rules as currently applicable to NPS. NPS maturity typically takes place at 60 years of age. This is also called normal superannuation. In […]
