Golden years need smart planning. Balance tax savings with growth potential.library
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NPS advantages
Tax-free 60% lump sum at 60; 40% annuity mandatory at 6-8% returns + 80CCD ₹50k extra. -
Mutual fund flexibility
Full liquidity post-5 years at 12-15% historical equity returns—no annuity lock-in. -
Tier strategy
Tier-I for salaried deductions; Tier-II for trading flexibility; hybrid SWP beats low annuities.
Start age 30 for ₹5 crore corpus—time is your biggest ally.
