📘 National Pension System (NPS): Secure Tomorrow, Smart Today
The National Pension System is a government-backed retirement savings scheme that allows individuals to contribute regularly toward a pension fund during their working years, and withdraw a portion at retirement while receiving the rest as a stable income.
🧩 Key Features:
Voluntary & Flexible: Open to all citizens aged 18–70; choose how much and how often to invest.
Tiered Structure:
Tier I: Primary retirement account with withdrawal restrictions.
Tier II: Optional savings account offering more liquidity (not eligible for tax benefits).
Diversified Investment: Contributions are allocated to equity, corporate debt, government securities, and alternative assets—managed by professional pension fund managers.
Portable & Unified: Remains active across employment changes and locations.
💰 Tax Benefits:
Up to ₹2 lakh annual deduction under Sections 80CCD(1) and 80CCD(1B) for Tier I contributions.
Partial tax-exempt withdrawal upon maturity.
Annuity purchased with 40% corpus is fully tax-free.
🔐 Retirement Advantage:
At retirement (age 60), up to 60% of the corpus can be withdrawn lump sum.
Remaining 40% is used to buy an annuity for monthly pension.
Early exit or premature withdrawal options exist, but with certain conditions.
🌱 Why It Matters:
NPS combines the rigor of disciplined investing with the assurance of retirement stability. With transparent governance, low fund management charges, and customizable options, it's a practical choice for individuals seeking long-term financial wellness.
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