Hi people,

I need some advice on how I can best utilise my disposable income. I save almost 30k every month, and I wish to invest that amount in a gainful way. Is NPS a good option? (The FBP includes NPS for me). Or should I go for SIP etc.? If you have been through this phase of life (or going through it) I would like to learn from your experience, and I would appreciate any inputs you may have. Thanks in advance.

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I feel nps is worst cause after retirement you will only get 60% of the corpus and rest 40% goes into annuity
Go for SIP

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Thank you for your reply. I will look into SIPs more.

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Hi. Consider NPS upto the limit which gives tax benefit for you. If you factor in tax benefit, very low AMC charge, no tax upto 60% when you reach 60, and other benefit, NPS is a good investment for retirement - i repeat, for retirement.

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Thank you for your reply. I am mostly thinking from a retirement point of view. I am thinking of investing both in SIPs and NPS for now. Kind of like a hybrid thing so it's like a win win on both fronts.

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