NPS matures when you turn 60.
You can withdraw up to 60% tax-free. With the remaining 40%, you must buy an annuity plan, which gives you a lifelong pension.
But how much pension can you get? What’s the rate of return? Is it a good deal?
A detailed 🧵on annuity calculations.
ET Money
19.1K posts
When intelligence is at work, investing turns into success. ET Money personalizes the investing intelligence, so that you have the freedom to live your choices.
- Who buys lavish apartments for Rs 10-20 CRORES? You may be aware of their names through news reports. But what you may not know is the trick they use to buy those houses. So what is it? Sell equities, use the gains to buy a property and pay ZERO tax. A detailed 🧵
- Reliance’s stock commands a ₹19 lakh crore market cap. But to buy the entire business, you’d need ₹21.6 lakh cr. On paper, its worth is just ₹8.4 lakh cr. Three numbers. Three very different meanings. Here’s what every investor should know. A🧵
- NPS Regulator .@PFRDAOfficial will soon allow systematic withdrawals. It means you will be able to withdraw a fixed amount every month from NPS after retirement. The best part: These withdrawals will be tax-free. We crunched data to see how it can benefit you. A thread🧵
- PPF matures after 15 years. But what happens after that? You get three options. (See image) But each option has some rules. Even bank employees and post office staff may not tell you these. Let’s discuss them in detail to find out which’s best for you. A thread 🧵
- If returns are the same, how do you choose a fund? Example: ICICI Pru Bluechip Fund: 42% Taurus Large Cap: 45% Both schemes have similar one-year returns. But which one is better? Let’s compare them on 5 parameters to get the answer. A🧵
- Nippon India Small Cap fund has 193 stocks. And it’s a topper in its category. Traditionally, over-diversification is considered a bad thing. But some funds are bucking this trend. (See image) Let’s deep dive to understand the ‘why’ and ‘how’ of this. A 🧵
- Your HR will soon ask: Old Regime or New Regime? After Budget 2025, the New Regime looks like the obvious choice. However, for some taxpayers, the Old Regime can still make sense. How will you decide? Let’s break it down. 🧵
- No easy hacks. No wisdom from books. No quotes from legendary investors. Just 10 simple rules to take control of your finances: Net worth rule Rule of 72 Rule of 70 100-Age Rule 50-30-20 Rule 6X Rule 20X Term insurance 40% EMI Rule 25X Retirement Rule 10% hike rule A 🧵
- You must have heard this many times. Invest in equities for the long term. But what defines long-term? Is it 5 years, 7 years or 10 years? We examined the data for the past 24 years to answer this question. (The answer is in Tweet 3, with reasons 👇) A thread 🧵
- Parag Parikh Flexi Cap has a proven track record. But it has no exposure to exciting sectors like: Railways Defence Infra Renewable energy EV Rajeev Thakkar, CIO of @PPFAS Mutual Fund explains why. He also shares why PPFAS doesn’t have a small-cap fund. A 🧵
- Two fund houses with a massive fan base: 1. @PPFAS Mutual Fund 2. @quantmutual Both now manage over Rs 60,000 cr of investor money. But their investment philosophy & styles couldn't be more different. We dissect their strategies & see how investors can benefit from both. A🧵
- Many investors believe that SIP is the best #investment strategy. It can earn them higher returns. The logic: It averages the purchase price. But this is not entirely true. SIP may not necessarily fetch you better returns. And it’s NOT an investment strategy. A 🧵
- PPFAS Flexi Cap took a fresh bet on Bharti Airtel last month. Nippon India Multi Cap added ITC to its portfolio. Motilal Oswal Mid Cap entered Zomato. Again. We dived into portfolios of 5 popular schemes across categories. Here are some of the key takeaways.🧵




