Offerings
National Pension System
Use NPS for what it does best: the employer deduction and a locked retirement core.
How we do it
First, we read your salary structure. If your employer offers NPS and you are not using it, that is usually the fastest tax saving available to you.
Next, we set the equity share by age and revisit it every year. NPS sits inside your retirement plan, next to EPF, PPF and mutual funds, never on its own.
Ten years before 60, we start the annuity conversation. The insurer, the annuity type and the lump sum split are decided with numbers on paper, not on the day the account matures.
Questions
What clients ask us first.
Is NPS useful in the new tax regime?
The employer contribution under 80CCD(2) still qualifies. Your own contribution generally does not. We check your payslip before recommending anything.
Which pension fund manager should I choose?
We compare long-term returns and allocation options across pension fund managers and review the choice every year.
What happens at 60?
Part of the corpus can be withdrawn as a lump sum and the rest buys an annuity. We plan that split years in advance and compare annuity quotes across insurers.
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