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There are a few retirement systems available for retirement savings. They are Employees’ Provident Fund (EPF), Exempted Provident Fund (PF), Public Provident Funds PPF), Pension Plans and National Pension System (NPS). The National Pension System offers better opportunity to save for retirement at the lowest cost with minimum amount of investment. Though It have many benefits Dirk Nowitzki Womens Jersey , NPS has six unique advantages over other systems in India.

They are as below:

1. Portability
The NPS is based on Personal Retirement Account (PRA) which has the benefit of portability. There will be no change of status of the account when a person changes one job to another. When the subscriber changes his location from one place to another, the NPS account is portable across all regions in India.

When subscriber changes the nature of job profile from employee to professional or self-employed or vice versa, NPS account is portable. Now non -resident Indians are also permitted to contribute to NPS. The benefits of portability of NPS account makes seamless way of contribution, less procedure and continuity of accounts till retirement.

The choice of portability is absent across jobs and place under EPF.

2. Higher Tax Savings
Tax benefits are available under all the systems for retirement savings. In case of NPS Dennis Smith Jr. Womens Jersey , the additional tax benefits are available to save more tax and thereby earn higher post-tax returns.

The tax benefits available for retirement savings are:
The contribution to PFEPFPPFNPS qualify for deductions under section 80C and investments in pension plans under 80 CCC is combined to the extent of Rs. 150000-

Individual can claim additional deduction of Rs. 50000 under 80C for NPS contribution in addition to Rs. 150000 limit.

Employee covered under NPS can claim additional deduction of 10% of the employer’s contribution to the NPS in additional to the overall deduction of Rs. 150000+50000.

3. Choice of investments
Only NPS offers the choice of investment among the asset classes namely equity (E), Fixed income securities (C) and Government Securities (G). The subscriber to the NPS can choose any combination of asset classes to invest based upon their risk appetite.

However, the allocation of equity is restricted upto 50% of the contribution. If the choices are not made, the contributions are allocated to the asset classes based on life cycle (based on age).

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