{"id":378962,"date":"2025-12-31T07:54:43","date_gmt":"2025-12-31T07:54:43","guid":{"rendered":"https:\/\/www.newsbeep.com\/ca\/378962\/"},"modified":"2025-12-31T07:54:43","modified_gmt":"2025-12-31T07:54:43","slug":"should-nps-be-part-of-your-portfolio-in-2026-10-key-points-investors-should-know","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ca\/378962\/","title":{"rendered":"Should NPS Be Part Of Your Portfolio In 2026? 10 Key Points Investors Should Know"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/NPS-pension-fund-2025-12-5eeb14794aea6c0c08c0158dfb74eb86.png\" alt=\"PFRDA\u2019s NPS Scheme A switch window closes today\" title=\"PFRDA\u2019s NPS Scheme A switch window closes today\" class=\"jsx-1bddb3ea610f81ec\"\/><\/p>\n<p> NPS is more flexible now<br \/>Recent PFRDA changes have made NPS less rigid and more aligned with real retirement needs, especially for non-government employees.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/Untitled-design-2025-10-25T141154.244-2025-10-e02af165f0b2d3bd8be515214febecd6.jpg\" alt=\"Important Updates for NPS Subscribers.\" title=\"Important Updates for NPS Subscribers.\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> What experts are saying<br \/>Ajay Kumar Yadav, CFPCM, Group CEO &amp; CIO, Wise Finserv Private Wealth, says recent NPS reforms have quietly reshaped the product by improving flexibility, withdrawals, and investment choices.<br \/>Arjun Guha Thakurta, Executive Director, Anand Rathi Wealth, notes that while NPS is improving, investors must still weigh lock-in and tax rules carefully.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/Untitled-design-2025-06-07T130425.303-2025-06-ae1d361beaae720d516cc0814f679b3d.png\" alt=\"Rule 4A Explained: How Gratuity Will Be Calculated For Re-employed Govt Servants\" title=\"Rule 4A Explained: How Gratuity Will Be Calculated For Re-employed Govt Servants\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Multiple Scheme Framework is a big plus<br \/>You can now invest in more than one scheme within the same NPS account, helping balance growth and safety better over time.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/gettyimages-1313326409-170667a-2025-01-0f91139ada2b8fdc0de8f4c72c73051c.jpg\" alt=\"TNPSC\" title=\"TNPSC\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Better asset separation<br \/>Long-term growth money (equity-heavy) can be kept separate from safer allocations as you approach retirement.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/Created-in-1931-this-choker-featured-platinum-rubies-diamonds-and-elegant-pearls-2025-12-09T155648.9.jpeg\" alt=\"Relying on Rs 1 crore for retirement can be misleading, as inflation erodes its value over time.\" title=\"Relying on Rs 1 crore for retirement can be misleading, as inflation erodes its value over time.\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Higher equity exposure possible<br \/>Under active choice, equity exposure can go up to 100%. This suits young investors with a long investment horizon and risk appetite.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/Created-in-1931-this-choker-featured-platinum-rubies-diamonds-and-elegant-pearls-2025-08-05T123234.9.jpeg\" alt=\"20% interim payout allowed if subscriber is missing; balance paid after legal confirmation.\" title=\"20% interim payout allowed if subscriber is missing; balance paid after legal confirmation.\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Exit rules are more practical<br \/>At retirement, up to 80% of the corpus can be withdrawn (subject to rules), reducing forced annuity dependence.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/retirement-pension-2025-05-c6fcb4dcbf4570b86fd35631eb42bf1f.jpg\" alt=\"NPS New Exit Rules 2025\" title=\"NPS New Exit Rules 2025\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Structured withdrawals add comfort<br \/>Phased and planned withdrawals make post-retirement income planning smoother and more efficient.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/1766491174_1766423483_SIP-fund-investment-2025-01-b5527ec513a3113aae27552c8298a40e.jpg\" alt=\"\" title=\"\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Partial withdrawals are easier<br \/>Liquidity during working years has improved, making NPS slightly less restrictive than before.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/Untitled-design-66-2025-11-aa6eb28364e8921d7080139edb6ccd29.jpg\" alt=\"To retire at 50, experts suggest multiplying annual expenses by 25\u201330 to find the ideal corpus.\" title=\"To retire at 50, experts suggest multiplying annual expenses by 25\u201330 to find the ideal corpus.\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Still comes with lock-in and tax rules<br \/>NPS remains a long-term product with limited liquidity and specific tax treatment\u2014these need careful evaluation.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/investments-2025-11-70f582f1b2cda00490b3ac823d1ea50f.png\" alt=\"Nitin Kaushik said that instead of chasing returns, people should focus on their behaviour, investment ratios, and discipline. (Representative\/Shutterstock)\" title=\"Nitin Kaushik said that instead of chasing returns, people should focus on their behaviour, investment ratios, and discipline. (Representative\/Shutterstock)\" class=\"jsx-1bddb3ea610f81ec lazyload\"\/><\/p>\n<p> Best as a portfolio component, not a replacement<br \/>NPS works well alongside equity mutual funds, not instead of them. Allocate thoughtfully based on goals, lock-in comfort, and tax planning.<\/p>\n","protected":false},"excerpt":{"rendered":"NPS is more flexible nowRecent PFRDA changes have made NPS less rigid and more aligned with real retirement&hellip;\n","protected":false},"author":2,"featured_media":378963,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[45,49,48,133,2512,18926,131,132,98528],"class_list":["post-378962","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-ca","tag-canada","tag-finance","tag-investment","tag-nps","tag-personal-finance","tag-personalfinance","tag-pfrda"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/378962","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/comments?post=378962"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/378962\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media\/378963"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media?parent=378962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/categories?post=378962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/tags?post=378962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}