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What is NPS?
The National Pension System is a PFRDA-regulated scheme that allows for efficient means of saving retirement income and availing tax-benefits. It is available to all citizens of India and can be applied for completely online.
Why Invest In NPS?
NPS Benefits at a Glance
Entry Cost
As low as ₹500
Tax Exemption
Up to ₹50,000 under 80CCD
Government Regulated
PFRDA Approved
The National Pension Scheme is one of the best retirement plans for any member of society. The entry cost is as low as INR 500, and in return it provides a host of tax benefits such as:
No capital gains tax for Mutual Fund withdrawals
Reduction of expense ratio for large cap equity
Exemption up to ₹50,000 under Section 80CCD
NPS vs Mutual Funds
While you may have heard of Mutual Funds while planning your retirement funds, the NPS serves a widely different purpose.
National Pension System
- Government regulated by PFRDA
- Lower risk saving scheme
- Partial withdrawal only until age 60
- Higher tax benefits
- Best for: Long-term retirement corpus
Mutual Funds
- Market-linked investment
- Higher potential returns
- Flexible withdrawal anytime
- Various scheme options
- Best for: Creating wealth
The Smart Choice for Retirement
If you are planning for long-term retirement corpus, then NPS is a much better option compared to Mutual Funds as it only allows for partial withdrawal until age 60. So, NPS should not be looked at as a replacement for Mutual Funds when it comes to creating wealth.
But, if your goal is truly to be ready for retirement, then NPS should be your go-to scheme. Being regulated by a government body makes the NPS a lower-risk saving scheme as compared to Mutual Funds. And since it allows for much higher tax benefits, it is a widely used pension scheme in India.
What RubikWealth Provides For You?
We are a PFRDA-regulated advisory body which helps you decide amongst the different NPS tiers as per your retirement goals.
Smooth and hassle-free onboarding
Easy registration process with step-by-step guidance for seamless account setup.
You get the best tax benefits
Maximize your tax savings with expert guidance on NPS deductions and exemptions.
Guided corpus withdrawal plan
Strategic planning for retirement corpus withdrawal to ensure financial security.
NPS is a must-have pension scheme for everyone!
Get in touch with us today to know how you can benefit from it.
