Best NPS Managers | All you need to know about NPS | ETMONEY
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- เผยแพร่เมื่อ 4 ก.ค. 2024
- In this video.. we examine the present NPS environment which includes the different classes of funds, their construct, performance and most importantly, how one should go about selecting the ideal pension fund manager.
Topics covered:
00:00 Introduction
00:58 NPS Funds Architecture
01:25 What is NPS
01:40 Asset Classes
02:38 Allocation
06:26 Pension Fund Managers
07:03 Fund Performance : Scheme G
09:29 Fund Performance : Scheme C
11:34 Fund Performance : Scheme E
13:20 Selecting A Pension Fund Manager
16:01 Summary
👉 Links mentioned in the video:
Complete Guide on NPS (National Pension System) in Hindi | Retirement Planning | Tax Saving Benefit
• NPS guide | Aapka NPS ...
National Pension Scheme Tax Benefits | How to use NPS scheme to Save Tax
• 4 NPS tax benefits | N...
ETMONEY Answers: Your Questions on NPS | Investing in National Pension System । ETMONEY Live
• ETMONEY Answers: Your ...
👉 For more details: www.etmoney.com/nps/pension-f...
👉 Invest in NPS: www.etmoney.com/nps
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We have released an updated version of the best NPS fund managers for 2024. You can view it here : th-cam.com/video/70FhmCwXG1k/w-d-xo.html
Update - now you can choose different fund manager for different asset class eg You can choose HDFC for Equity and LIC for Government securities... Just did it !😊
Hi Sourabh, could you please tell how you did it like this because in ICICI BANK website there is no such option available
@@aruneetroychowdhury4333 I did it from NPS app ..
What app
@@SourabhPathakdoctor from when did they start this option before when I did u didn't saw such option.
This is such a good video. I did homework on same line before selecting HDFC fund manager for my aggressive scheme. Glad to see ET provides such rational approach to viewers. Keep it up!👍🏼
Everytime, twice a week :) .. Glad the video was helpful!
Same. Did my homework & select HDFC.. For total allocation.. can you please let me know why dint you select HDFC / what u selected HDFC for C,G category?
Since government is going to increase interest rates, do you think one should be using the aggressive strategy right now? (Asking as a 27 year old looking to open nps account)
@@KetanNainwal for your age, it is better if you keep 75% in equity (E),10% in G, 15% in C ..i don't have much info. About alternative investments segment (A)
Awesome. Being a subscriber of NPS, this video certainly helps in choosing right pension fund managers. As always, a much useful video and thank you 👌👍🏻
Excellent! Thanks for your kind words
Yet another superb video from ET money. Thank you very much Shankar. Very helpful and good to see changes coming to NPS.
Most welcome. Glad you found the content helpful
Sir your videos are data based and are very very good with clear voice
I am fan of yours sir.By seeing your video I came to know that I can take tax benefit 10% basic +da if my employer contributes.This is over and above 50k under 80ccd and 1.5 lacs 80c limit.Great work sir 👏👏👏
Thank you very much
Thank you. I am planning to invest in NPS. I was confused with fund manager. Now, I can decide easily.
Most welcome. Happy to help
Video content very helpful to make more awareness on NPS topic. Specially active, auto investment type as well as fund house selection made easier for audience. Thanks a lot Sir.
Thank you
@@ETMONEY my all
Very useful information. I have been checking this information in order to switch my NPS account fund manager.. thank you
Very informative and the speaker always explains in clear and crisp manner.
Glad you liked it! Thank you very much
I was looking out for the exact information provided since month. Thanks ET money for educating on NPS.
Happy to help
You have simplified NPS investment planning. Thankyou!
Most welcome. Glad it was helpful!
This is amazing !!
One of the best videos I have seen on NPS
Thank you. Very happy you found it useful
Such a well made video, so concise and filled with useful info. The presenters voice is also very engaging :)
Great video. Was really looking for this. Thanks
I'm already having HDFC as my NPS manager . Thanks for confirming my analysis as good one
Thank you for the well important nps which might help many in planning their retirement.
Thank you Prakash Raghunathan
Thanks again for an very insightful video on NPS.
Most welcome
Excellent video. Crisp and clear explanation with all the necessary data. Thank u
Most welcome
Thanks to ETMoney team for wonderful information. Some of the information I heard first time.
Glad it was helpful! Thank you for your kind words of appreciation
Excellent content as always. Thanks for spreading knowledge.
Much appreciated! Thanks for liking our content
Hats off for the clear explanation. Thank you so much.
You are most welcome
Excellent video. great Sensible way of Presenting things
Glad you liked it! Thanks for the kind words
This is a really good video. Nice research with detailed explanation. Got an idea of the asset class and fund's performance.
Our pleasure. Glad you liked it
Thanks for the birds eye view .. appreciate the effort put in the analysis .. 👍🏻
Glad you enjoyed it
Thank you very much for the video, It cleared most of my questions on NPS
You are most welcome. Glad it helped!
Thank you for the comparison across E C G class.. It would be great if you could do the same for A category (alternate fund).
You are welcome. Not enough data for class A
Brilliant video… definitely gonna recommend this to others
Awesome, thank you!
Fabulous explaination about nps...et money really doing a great job 🙏
Thank you very much
Yes I completely agree, ET money has indeed set a benchmark on educating investors about NPS through TH-cam type portals
@@DavidPalmerPresident Thanks
Beautiful as always......thanx a million
Thank you! Cheers!
Hey, this was a very informative video, I would like to know more about NPS NSDL VS NPS K FINTECH? I Couldnt find any relevant benefits in NPS NSDL category.
Wonderful analysis sir
Quality is high as usual 🙏🏻🙏🏻🙏🏻🙏🏻
Thank you very much, Sai Suraj Gadey
One important point is while the alpha returns may seem low but it is over and above the tax savings that one gets while investing in NPS. The benefits is huge if one opts for Corporate plans and also does an own contribution
Very useful information..thanks 🙏
Thanks
It’s really very useful sir. Keep going to educate like this to enable us to select proper fund manager in NPS Scheme. Thank u
Thank you for the kind words. Glad you found the content useful
Very insightful, good job
Thank you
Very useful video across TH-cam
Excellent video.
I chose hdfc pension fund.
Got lucky.
Hopefully hdfc fund would deliver such return in future too
Thank you
Thank you Sir🙏
Great content
Thanks
Please share regarding best SWP plans and benefits
Fantastic Explanation
Glad you liked it
Hello - I have been investing in NPS from past few years with Moderate Auto Choice, now if I want to make it active choice with (60-25-15) ratio..Equity-Corp-Govt bonds..so this new percentage will on total money invested till now or only on the current financial year (say investing 50K this year)..pls confirm?
Hi, when we switch the asset allocation or change the mode altogether from active to auto, what happens under the hood? Do all the fund units get sold and then rebought based on the new allocation? Or only those fund units get sold that are needed to set up the nps fund based on the new allocation? Then does it mean the timing of switching is very important, and you should do the switch if the markets are high especially if you have a high equity exposure when performing the switch. Is this correct?
Hi. On the timing bit, we think - timing is the least important for NPS especially if your retirement is 20 or more years away. So when buying a unit now at 10 versus 11 rupees NAV .. only for it to mature 20 years later at 100 rupees does not amount too much as a difference in the overall scheme of things.
Very informative video. A few queries, (1) Can we change the fund manager & if so how often. (2) In T2 whether tax is applicable on liquidation only, (3) In T1 what is the rate of annuity after age 60+ (4) Like PPF is it mandatory to deposit at least some min. amount in T2 every year
Great keep it up cheers!
Thx
Awesome explanation
Glad you liked it
Hi Shankar Nath pls do video on PPF in a detail manner the way you educate is makes easy understanding thank you
We already have a popular video on PPF. th-cam.com/video/aAb4DKbdBvg/w-d-xo.html .. Kindly explore that, it's a very well compiled list of what every PPF subscriber needs to know.
Great insights and immensely helpful. Congratulate Shankar & ET money team for posting such great contents.
Thank you very much
Brother! the way you explained everything is awesome.
I have a query, if I start investing in NPS and suppose after 4-5 years I settle down in abroad. In such scenario, Can I withdraw the amount since I will not be working in India and also will it be mandatory to invest every year even if I do not work in India?
Thank you for very infromative video.. I have one question to ask.. For the Auto choice option, do we have Alernative Investment assest class as an option?
The option is not available. Only in Active choice you have Alternative investment (upto 5%)
@Et money Which fund manager I can select for sharia based I mean halal way of investing?? Is there any such scheme here ? Could you explain please??
how to start NPS investment?
Through fund managers website or we need to go to there office to enquire?
Is is possible to invest in NPS in monthly EMI mode like SIP or we need to invest lump sum amount yearly?
If we use ET money app to invest in NPS. Do we get option to login in NPS portal.
Can we change funds managers for different sums invested, in different periods
In case of "premature exit from nps, whn does the annutiy pension starts" .. at time of premature exit or after 60 years ?
Sir I am govt officer and my nps money is deposited in passive nps i.e uti,SBI and lic.... What you suggest should I change my scheme and what companies should I include in how much percentage... Further I am an aggressive investor
can i change from auto choice to active choice?
Can I invest using incremental SIP in this?
Is someone invests in an nps scheme but few years later migrates abroad and settles in the new country ,is it mandatory to close the nps account or can he continue making payments ?
Great
is LIC a good fund manager for tier 1 and tier 2 ?
Thank you
Thank you!
You're welcome!
Sir please advise on the taxation of tier 2 redemption...if the subscriber is having more than 65% of corpus in equity then whether capital gain will be applicable so as for equity taxation???
Hi. Apologies, we are a little confused on this ourselves. You might want to consult a tax advisor. Pls also read this www.livemint.com/money/personal-finance/how-your-nps-tier-ii-account-withdrawals-are-taxed-11625976662730.html
Hello sir ,for long term period (10years) active mid cap mutual funds or passive mid cap funds are given better returns?
Hi. Can't generalize. Some active midcaps will be doing better than the Nifty Midcap 150 TRI index while some active midcaps will be worse off.
@@ETMONEY mirae mid cap or Nippon nifty mid cap 150 index funds better for 10 years or 50/50 investing is better?
Thanks a lot for the great content.
Although I had a doubt that if we invest 50k in NPS & use some other instrument for 80C, can we claim that 50k under 80CCD (1B) ?
Thank you. The NPS website explains this. Here, have a read: npscra.nsdl.co.in/tax-benefits-under-nps.php
As a govt employee( nationalised bank) can i invest in equity in NPS?
My mother is 55 years+ and she’s a state government employee, can she open NPS now? We are considering it majorly for the tax benefit purpose.
Fantastic content
Thanks
Are funds transferred from tier 2 account to tier 1 account through one way switch eligible for tax benefits under 80CCD (1B)? I'm not a govt employee, only general citizen of India . Please reply.
Good information
Thanks
You are great 👍👍👍👍
Thank you so much 😀
Fabulous and insightful video on NPS... Hats off!!
2 queries Sir:
1. Just out of curiosity wanted to know the effort (work hours) that ETMoney research team has invested in doing this analysis. It will give audience good understanding of the effort and appreciation.
2. Pls share taxation on Tier 2 NPS schemes... Will the taxation be like normal equity mutual funds or varies based on type of Asset class one choose.
Thanks again Shankar Sir and ETMoney for this knowledgeable video. 🙏
Thanks.
1. It takes about 35 man hours to make this type of video. 20 hours of research, scripting and fact checking. 1 hour in recording. 14 hours in editing, graphics etc.
2. We are not clear on taxation, prefer if you consult a tax advisor. An article we found on this www.livemint.com/money/personal-finance/how-your-nps-tier-ii-account-withdrawals-are-taxed/amp-11625976662730.html#referrer=www.google.com&csi=0
Sir, mera nps active choice ke andar default scheme me hai ,wheather it is right or wrong?
Your videos are awesome. Just one query:
1. Why government employees are not allowed to invest in aggressive cycle in auto mode ? And in active mode only 100% government securities is allowed.
Thank you
Hi
Your videos are very informative. I am a govt employee and NPS subscriber too for the past 17 years. My current scheme preference type is AUTO. Can I change it on my own through the NPS app ? Or I have to submit an application to my office ?
What are the other schemes and their features in detail can help the people like me to opt and get maximum benefit (pension) out of it. Kindly guide me in this regard.
Thanks for the video at the right time. I was looking to open nps account last weekend and it's quite a cumbersome process. Thanks to et money app it looks like it simplified significantly. However I found no step by step guide in opening the account and enabling sip for nps in et money website or et money youtube channel or any other articles or videos from other financial gurus. Though the UI is intuitive I was looking for info like what are all the docs needed to open nps account. I don't have a cheque leaf. Is that okay? Is it possible to create a video for this?
Thanks. Since you have specific queries, pls connect with our operations team at help@etmoneycare.com .. they'll be happy to help.
you just need to have your bank account details handy, your Aadhar card, Aadhar number linked with that account you use while opening your NPS account, PAN as birth date proof, passport as permanent address & ID proof, KYC verification of account completed by your bank.
Got it set now. Thank you 🙂
Current limit for NPS tax saving scheme under Section 80CCD should be revised from 50K to 1L
you can check with your company,there is something called corporate NPS. You can do additional 50k investment
unfortunately my company doesn't support it yet
If your company follows a CTC structure and if you opt for corporate NPS effectively your taxable salary is reduced. Which indirectly means that you are saving tax on your entire contribution which is over and about 50K Limit.
@@amit.deshmukh for deduction from salary in corporate nps, the limit is 10% of basic +DA right?
@@pradyumnas7068 Yes 10% of basic,not sure about DA as it's not part my salary structure,but any way you need contact your companies Finance team to get it deducted at source.
What is the expenses ratio of NPS scheme (who doesn't change any and keep continue old )
Very Good Video.
Thank you!
👍👍
Good video
Thanks
I would like to know if i can change the fund manager. say for suppose i have opted Kotak as my fund manager for the past 5 years, now can i change the fund manager to HDFC? Please let me know the procedure.
Hi. We've explained the answer to this in the video.
Hello sir
I am a central government employee. I do have NPS by default. But I can't map it to our etmoney app. Is there any way to import external NPS data in etmoney app. As there is such provision for analysing external mutual fund investments.
Nice explanation
Thank you
I am 28 and started nps with aggressive life cycle,is it a right decision?
Sir can you give a clear idea, regarding mode of investment in NPS.. for eg If I want to invest 50000 INR per year, should I invest as lumpsum or will I break it and invest 4000 every month or half yrly or weekly and likewise.
Also if it lumpsum then should I invest in the beginning of financial year like 1st of April or 1st wk of April just like we do in case of PPF or at the end like in Feb-March or in the middle of year?
( I am 35yrs old and from this year I have started to invest in NPS for the first time)...
It will be great if you can made a video on this topic as well...
Waiting for your kind reply eagerly...
Thank you
Very useful and insightful video,
Sir ,I have a query
How can I change my investment choice from auto choice to active choice in teir I account
Thank you. Pls try economictimes.indiatimes.com/wealth/invest/how-to-make-changes-to-nps-investment-choice/articleshow/81721739.cms?
@@ETMONEY no information regarding my query in this article
Very informative video sir.... One query sir.
1. I have invested 1Lac to ELSS, 50K to PPF and 47K to NPS Tier 1 (by default) as I am a Central Government Employee. Can I claim 47K u/s 80CCD(1B) to get total benefit of 1.97Lac in this case?
Yes, u can
Yes
Sir,
Your videos are very informative.
Pl prepare video on NPS for Sr citizen.
Benefit,tax implication all aspects.
Regds
Sr citizen
Thanks. Will certainly try!
I have some questions regarding nps. Please help me to clear those questions
NPS is really a good investment option for salaried / middle income group people to built corpus. Suggestion : withdrawal process can be explained ; how easy it is or complex?
Hi, withdrawal process has been already discussed in previous NPS videos which are listed in this video's description. Since this video was on NPS performance, we have not repeated that part again.
Hello sir
Can we also add a lump sum amount along with our monthly SIP amounts in NPS ?
Yes
Please make a updated video on this
I am state government employee with old pension scheme.Can I open NPS account?
Hi ETmoney, Thanks for such a informative video. I've one doubt and it would be great if you could answer it here or make a special video on it as like me many people have the same doubt. so my doubt it - "Many times all says that this investments are helpful to save taxes but how? like to save taxes we need to apply somewhere or anything like it?"
Thank you very much and new year wishes to you too
Wishing you the same..
but this is not my queries answer
How is the expense ratio different for nps funds from mutual funds
The max allowable expense ratio for NPS funds (equity) is 0.09%. Pls click on this link below and find (Ctrl+F) "Investment Management Fee" www.npstrust.org.in/content/charges-under-nps
My father is state govt employee not covered in nps . Can he now invest in nps. He is now 57 year old
I am a Central government employee and by default fund chosen for my portfolio is UTI, LIC, SBI. Can central government employee change the fund manager and if yes so how often can they switch the fund manager?
You might want to check out this webpage and then connect with the relevant person in your department. www.npscra.nsdl.co.in/central-government.php
This line was of special interest:
As per the Gazette Notification dated January 31, 2019 issued by the Ministry of Finance (Department of Financial Services), the Central Government Subscribers w.e.f. April 1, 2019 have the option of selecting the Pension Funds (PFs) and Investment Pattern in their Tier- I account.
The Subscriber can choose any one of the available Pension Funds and Investment Option as per their choice.
If the choice is NOT exercised by the Subscriber, NPS contributions would be invested in the existing default schemes of the 3 Pension Fund Managers (PFMs), viz, LIC Pension Fund Limited, SBI Pension Funds Pvt. Limited and UTI Retirement Solutions Limited in a predefined proportion, as mentioned in the Statement of Transaction (SoT), as per the guidelines issued by PFRDA.
I am 41 and choose Aggressive asset allocation. Is it right choice for my retirement plans?? Please suggest..
Yes. You have a long runway ahead of you, aggressive should work. Plus NPS automatically tempers down allocation once you are in your 50s
Which fund manager I can select for sharia based I mean halal way of investing?? Is there any such scheme here ? Could you explain please??