Your mutual fund is not good. Change it. 
 Just 10% in last year is bad returns. Couldn't beat even index

Software Engineer

How you contributed 60000 with 200 per month?

Company contributed NPS amount written on CTC irrespective of my contribution.

Software Developer

Data Analyst

My NPS XIRR is 19%. I believe its much underrated considering the fact that you save upfront 30% tax on investments. I have been contributing since 2019 or so.

Senior Consultant

I invested in Mutual fund through SIP. Total profit was 6k after 1 year (Total invested amount around 60k) Today I saw monthly NPS statement of June 2024 month. This NPS contribution consist of com...

Welcome to Personal Finance's Private Community

I invested in Mutual fund through SIP.
Total profit was 6k after 1 year (Total invested amount around 60k)
Today I saw monthly NPS statement of June 2024 month. This NPS contribution consist of company contribution and person contribution of ₹100 per month.

Total gain is 13399 for 60397 total contribution.
I am surprised to see higher returns on my NPS than my Mutual fund investment.

NPS vs Mutual Fund

NPS vs Mutual Fund- Grapevine

Welcome to Software Engineers's Private Community

Should we invest in NPS if you are falling under higher tax bracket of ~30%? I am having income of 20+ LPA. I did some calculations investing same amount of money in mutual fund sip the return is much higher than NPS. What confuses me is it actually worth just for saving tax on 50k? As I only intend to invest 50k for tax purposes only. 

Please kindly suggest some for your thoughts and insight.

Is investing in NPS worth it?

I am planning to invest in National Pension Scheme. Is it a wise decision or any better options for retirement planning? And if you have already invested pls suggest which one to invest in. 

Please let me know your views if you have invested or planning to in future

Investing in NPS

Application Analyst

Consider investing in NPS and taking the tax benefit (however locking money until 60 atleast) vs investing in mutual funds.

Please share your thoughts if its worth the tax benefit.

Any opinions about if one should invest in NPS or not.

Equity Research

Thank me later

Anyone opted for corporate NPS ? Any pros and cons ?

Corporate NPS

Product Head

Hi folks, I have recently started investing after repeatedly being told to not hoard my money in savings, wanted to know how/how much other people invest. 
Current portfolio:
Equity: 2.5 L ( banking, fmcg, ETFs)
Mutual Funds: 1.1 L ( Navi Index fund - 10 k per month sip, SBI Liquid Fund - 10k per month)

I feel that I should invest more since i dont have any financial dependents on me right now, but dont know how much and dont want to  put my hard earned money somewhere I won’t see it ever.

Tc: 30 LPA
Exp: 2 years

Need Investment Advice

Hi, I am thinking of buying a pension plan through which  I could get a good fixed monthly income after I retire ( let's assume 60 years). I am currently 32 year old and looking to invest around 20k per month. I am currently working with a startup.I first thought about NPS and also some plans on Policybazar. I founds that plans mentioned on Policybazar like Tata AIA life insurance capital guarantee solution can offer upto 6.5L/month tax free income after I turn 60 with just 20K investment per month for next 12 years. Where as if I invest 20 k per month in NPS till i turn 60 I will only get 1.8 lakhs per month

I want to understand
1. Why is there such a huge gap in the return amount between NPS and retirement plans available on policybazar
2. How to select the best retirement plan
3. What are the top pension plans available in the market currently
4. Any other better way to plan retirement

Suggest best pension plan to invest in

Sales Manager

Could you suggest any secure investment plans suitable for salaried employees? Additionally, I'm curious about your personal investment strategy. Where do you typically invest your salary, and what returns have you experienced? Also, what factors should I consider before purchasing health insurance?

Any investment plans for salary person?

I've completed 1 year in my first job. I've tried saving and investing some money, help me decide what I can do better:

Income: 22LPA

PPF: 3 Lakh
EPF: 2 Lakh
MF: 5 Lakh
Saving Account: 4.5 Lakh

Income for new FY post increment: 29LPA

I did these savings based on some advice from my elder brother.

I'd like to spend more this year though, with some travel and going out more, maybe even purchase a scooty/bike and a PS5 😁 - would these expenses be justified?

Apart from improving my savings & investments and 
still being able to afford a few luxuries, I want to know if I should get any of these:

- Health Insurance - Only 5 Lakh cover from company for me and my parents (note - parents are getting old)
- Life Insurance - Do we really need it, I'm still 24?

1 year in first job, please help me assess and improve

What are your net worth targets and goals by age?
Here's mine:

25: 10L ✅
30: 50L ✅
35: 1.5 Cr 🟡
40: 3 Cr 🟡

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