NPS in India: Smart investment or hidden trap ? | скачать в хорошем качестве

NPS in India: Smart investment or hidden trap ? |

The National Pension System (NPS), regulated by the Pension Fund Regulatory and Development Authority (PFRDA), was introduced in 2004 and later opened to all Indian citizens in 2009. It offers a market-linked retirement structure through Tier I (retirement-focused, tax-benefited, restricted withdrawals) and Tier II (flexible, no tax benefits). In this detailed breakdown, I explain: • Tier 1 vs Tier 2 comparison • Investment options (Equity, Corporate Bonds, Government Securities) • Active vs Auto Choice • Historical returns vs PPF • Tax advantages • Liquidity issues • Mandatory annuity concerns • Why I personally don’t recommend it for financially aware investors While NPS is low-cost and tax-efficient, its forced annuitization, limited liquidity, and restricted investor control raise serious concerns for long-term wealth builders. Make informed decisions. Retirement planning should empower you; not restrict you. #NPSIndia #RetirementPlanning #FinancialFreedom #WealthBuilding #PersonalFinanceIndia #InvestSmart #Tier1vsTier2 #TaxSaving #LongTermInvesting #IndianInvestors #MoneyMatters #SmartInvesting