National Pension Scheme me investment ke fayde aur nuksan

NPS yani national pension scheme, bharat sarkar ke dwara shuru ki gayi pension scheme hai. Ye scheme January 2004 me naye government employee ke liye shuru hue thi aur phir may 2009 me pure India ke liye available ki gayi.

National Pension Scheme ka main aim saving ke sath investment ki aadat dalna aur retirement ko secure karne ki hai.

To iss article me apko batyenge ki National Pension Scheme ke kya advantage aur disadvantage hai.National Pension Scheme

Advantages of National Pension Scheme:

Retirement planning

NPS ka main aim hai har bhartiya ko pension ka fayda dena hai. NPS me invest karne se aap regularly save karte hai aur wo paise apko retirement me kam aate hai.

Diversification

Jab aap NPS me invest karte hai to aapke paise equity, corporate debt aur government securities me invest hote hai jisse apko instant diversification milta hai.

Equity apke portfolio ko growth provide karta hai aur corporate aur government securities stability provide karate hai.

NPS ek achha marg hai market se connect hone ke liye khas kar unke liye jisne kabhi bhi mutual fund, share market ya ELSS jaisi scheme me invest nahi kiya.

NPS Transparent

Aapka active choice ho ya auto choice equity, corporate debt ya government securities me hone vala aapka allocation aapko pata hota hai.

NPS Accessible

Aap koi bhi PSU bank, private bank aur post office me ja kar NPS account open kar sakte hai. Aap NPS account online bhi open kar sakte hai.

Tax Efficient

NPS tax efficient hai, section 80C ke according Rs. 1.5 lakh se jyada limit me aap NPS investment ko claim kar sakte hai. section 80CCD1B bhi ek specific section NPS invesment ke liye haiĀ  jiski limit Rs. 50,000 hai. Aapke account me hone vale employer contribution bhi 80CCD2 ke antargat tax exempt hote hai.

Charges

NPS ki fund management fees jo ke invested amount pe lagti hai vo bohat kum yani 0.1% jitni hoti hai aur contribution charges 0.25% hote hai baki ke transaction charges aur account fees wo bhi minimal hote hai.

Mutual fund bhi apke paise market me invest karte hai to yearly ek fee charge karte hai jo apke invested amount pe hoti hai ye lagbhag 1.5 to 3% tak hoti hai iski comparison me NPS ke charges bohat kum hote hai.

Flexible

Aap auto choice aur active choice ke bich me switch kar skate hai aur aap chahe to equity, corporate debt ya government securities ke bich ka allocation bhi change kar sakte hai. April 2017 se aise changes saal me 2 baar allowed hai. Ye sare changes abhi tak government employee ko allowed nahi hai.

Withdrawals

NPS me 10 saal continuous contribution ke baad apne contribution ka 25% hissa 3 withdrawal me special reason ki vajah se nikal sakte hai. 2 withdrawal ke bich me 5 saal ka distance hona compulsory hai. Special reason me bacho ki shadi, education, pehla ghar banane ya kharidne ke liye ya jaan lewa bimari ke liye etc., ho sakte hai.

Life cycle 75

Isme 35 saal ki age tak 75% allocation equity me rakha jata hai ye ek achha chance hai young logo ke liye jisse aap acha retirement return gain kar sakte hai.

Auto choice

Auto choice me age ke according hone vala portfolio change kafi useful hai kyunki aapko khud portfolio change ki chinta nahi karni padti.

Sikke ke dono pehlu ki tarah yaha bhi NPS ke kuch disadvantage hai.

Disadvantages of National Pension Schemes:

Maturity corpus

Maturity corpus retirement par milta hai usme aap 40% withdraw kar sakte hai bina koi tax bhare. 40% compulsory annuity plan me invest karna padta hai aur baki ka 20% tax slab ke according tax bhar kar withdraw kar sakte hai.

Annuity plans

Annuity plans bohat kum return dete hai abhi isme 6 to 7% return mil raha hai aur ye taxable bhi hai

Active choice

Active choice me aap allocation 50% se jyada nahi rakh sakte. Life cycle fund 75 hai jo 35 saal tak apka equity allocation 75% tak rakhta hai magar 35 saal baad equity allocation ghata deta hai. Aise bohat sare NPS subscriber honge jo apna equity allocation 100% rakhna chahte honge par aise logo ke liye koi choice nahi hai.

Passive fund management

NPS ka equity fund management passive fund management follow karta hai yani sirf index stock me invest karta hai par index se bahar bhi opportunity hai jaha invset karke investor ke liye paise kamaye ja sakte hai

Duration

Agar koi vyakti 25 year se invest karta hai to ye sari amount usse retriement ke time pe milegi yani sabse lamba 35 saal ka lock in hota hai aur to aur iske baad 40% hi withdraw ho sakta hai baki 40% ko anniuty plan me invest karna padega aur bki 20% taxable amount hoga.

Hum ummed karte hai apko pata chale jayega ki NPS me invest karna chahiye Ya nahi, iss topic se related aur koi query hai to comment box me puchh sakte hai.

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