National Pension System (NPS) Fully Explained | Paisa Vaisa Podcast ft. HDFC Pension 

Imagine you are investing 1 lakh every year (50K self and 50K employer) starting at the age of 25. By the time you reach 40, you stop working, and by 50, your account has grown to 2 crore rupees. Now, what would you do if you have a medical condition? How much can you withdraw? You would only be able to withdraw around just 2 lakh rupees, leaving you to struggle for medicine despite having an NPS balance of 2 crores. This is the most frustrating part of NPS-the 25% partial withdrawal rule-that I truly dislike.All will assume that they will get 25% of total balance in case of emeregency but that is not the case and it is 25% of what you actully put as self without any intrest

This is by far the best video I have watched on the topic of NPS. Thanks so much to both the host and the guest. This is really helpful.

One of the best videos I have come across regarding the features of NPS

One of the best eye opener on NPS from the actual fund manager itself.

clear my all daubt about NPS ..thank both

Everyone calls NPS a low-cost option, but I'm not sure in what sense. In mutual funds, we only pay 0.001% STT, with no other charges. The expense ratio is already factored into the daily NAV, so the XIRR reflects the return after expenses. However, in NPS, units are deducted from our account as fees, so simply comparing XIRR with mutual funds is not sufficient.

Very good episode, packed with information, host should talk less IMHO

What happens to the annuity corpus after the death of the individual? Does it go to nominee or it's not accessible at all?

This was really helpful!!!

Can NRI from America invest in NPS if they have their NPS accounts opened when they were in India , this becomes more important if NRI are deciding to retire in India

Very cumbersome application and processes too are very complex. Not a single professional should have NPS .

No one is giving alternate to 40% annuity option. If i plan my annuity with higher % and at low cost, then y my rest among 40% corpus remains locked in return? Can somebody help that out plzz.

How will you compare with ETF which is also lowest cost investment and much better from tax point as well.

I have opened a NPS account at the age of 67. Anything to comment on this.

Problem with u anupam is u speak more and unnecessarily interfere the speaker.... Like in this case When ur guest was speaking of nos2 u didn't allow him to talk n explain... U started taking..... Mm

Nps tier 2 does not tell clearly about tax implications on withdrawal . This is a grey area. Next is annuity part - fix pension is an issue . You will get same pension on first month of retirement and even after 20 years of retirement which will very very less at that time…

Stop interrupting

Rubbish , what about 50% market correction