{"id":113317,"date":"2025-11-02T01:46:36","date_gmt":"2025-11-02T01:46:36","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/113317\/"},"modified":"2025-11-02T01:46:36","modified_gmt":"2025-11-02T01:46:36","slug":"nps-annuity-explained-how-it-works-current-rates-and-the-best-pension-options-for-retirees-nps-annuity-rates-explained-how-much-pension-will-you-really-get","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/113317\/","title":{"rendered":"NPS annuity explained: How it works, current rates, and the best pension options for retirees &#8211; NPS annuity rates explained: How much pension will you really get?"},"content":{"rendered":"<p>Retirees can choose from several income options, each with its own trade-offs. NPS annuities offer 5.5 to 7.5 percent returns, but the corpus stays locked for life and the pension is taxable. Fixed deposits give 5 to 6.5 percent returns with moderate liquidity and taxable interest. Debt mutual funds offer 6 to 8 percent returns with easier access to money, though gains are taxable. The Senior Citizens\u2019 Savings Scheme provides 7.5 to 8.2 percent returns with a five-year lock-in and taxable interest.<\/p>\n<p>Choose a mix of options for income + flexibility.<\/p>\n","protected":false},"excerpt":{"rendered":"Retirees can choose from several income options, each with its own trade-offs. NPS annuities offer 5.5 to 7.5&hellip;\n","protected":false},"author":2,"featured_media":113318,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[80793,80792,80790,80794,138,246,80795,9147,111,139,80789,69,80791,244,245,19422],"class_list":["post-113317","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-annuity-options","tag-annuity-provider","tag-annuity-rates","tag-annuity-with-return-of-purchase-price","tag-business","tag-finance","tag-joint-life-annuity","tag-national-pension-system","tag-new-zealand","tag-newzealand","tag-nps-annuity","tag-nz","tag-pension-calculation","tag-personal-finance","tag-personalfinance","tag-retirement-income"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/113317","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=113317"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/113317\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/113318"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=113317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=113317"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=113317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}