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?
Why most funds are not beating the benchmark? What's the expense ratio? Should one go for index mutual fund vs tier 2 NPS? How to check portfolio of stocks invested by each AMC in tier 2 equity? Are there any exit charges?
Me central gov employee hu. Mere NPS me Auto choice me sirf L50 aur L25 dikh raha hai. Aur L75 nahi hai. Aur Active choice me sirf scheme G - Government Securities me hi 100% fund rakhne ki choice hai. Jab ki pehle esa nahi tha. Government hame dhoka to nahi de rahi.
Sir I have 75% in Class E, Tier 1. My PFM is HDFC. As it is not performing satisfactorily for quite some time, should I shift my PFM to ICICI? Kindly suggest.
It is performing satisfactorily as giving good returns. Choosing a pension fund manager is a personal view. You may choose ICICI if you have more trust on their fund management capabilities.
@@EveryPaisaMatters Sir, I always bank on your expert advice regarding NPS. I have chosen HDFC as suggested by you. Kindly advice whether I should change to ICICI Or retain HDFC. I'm now 54 years old, self employed, and would like to remain invested till 65 years. Would be obliged if you can give clear cut answer.
Sir please tell me is in tier 1 auto & active both choice are available, because I tried to start NPS on axis mobile banking app but there is only auto choice option available
I am sr citizen 66 years. My holding rs 4.22 lacs as on 31.3.24 auto aggressive choice equity 10 , govt bond 75, cor bond 15 per cent. I am investing Rs 50000 per year since last 6 years Now is it, advisable to, change ratio equity75, bond 15, govt sec 10 & ACTIVE CHOICE INSTADOF LC 75? Shall I change ratio now or when market falls? What is advisable
@@EveryPaisaMatters apki baat theek hai fark kuch nhi hai par. agar corporate NPS hai to fund manager same rahega app change nahi kar sakte. auto choice ya active choice vo dekh sakte ho. jyadatar flexibility individual NPS me hai, baki kotak , hdfc, icici , sbi me se kisi ko bhi chun lo. overall return 10-12 % k aspas hai [ balanced advantage fund k tarah] mera individual account tha jise me corporate nps me change karva raha hun taki new tax regime me benefit le sakun 😐
@@surajtomar750 You are wrong about not being able to change the Fund Managers. Watch my video on how to change and follow me on twitter where I share my portfolio details. 😎
