How to Increase your NPS Returns with Portfolio Rebalancing? | Explained by Every Paisa Matters
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- Опубліковано 13 сер 2020
- How to Increase your NPS Returns with Portfolio Rebalancing? | Explained by Every Paisa Matters
How to increase NPS return ? If you have an National Pension System (Also called National Pension Scheme) account, then you should also learn some of the basics around managing it so that you can get the best returns from the same.
This video will help you understand various options that we have in NPS and will also teach you about a way how you can increase your returns - Portfolio Rebalancing.
By performing Portfolio Rebalancing in National Pension Scheme (NPS), you can get the best Returns out of your NPS investment.
Your returns can increase from being very low to a higher return value.
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In this video, we will cover -
1. What are the Auto and Active choice in National Pension System
2. What Asset Class in NPS. Meaning of E, C, G and A in NPS
3. What is Portfolio Rebalancing
4. How to perform Portfolio Rebalancing.
5. What is National Pension System?
6. How National Pension Scheme is Works
7. All about the National Pension System
8. All about the new Pension Scheme
9. Best pension scheme for retirement?
10. National Pension Scheme in Hindi
All about new pension scheme in HINDI
the best pension scheme in india
How NPS is creating a pension base in INDIA?
Kya NPS investment ke liye sahi hai?
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Category - Education
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#NPS #Retirement #Pension #everypaisamatters
sir, comparitively ... aapki aawaz hindi me bhaut zada aachi lagti hai ...
Thank you so much sir
Very useful, thankyou
Really helpful, thank you
Thanks for the info sir... Now I am going to switch my scheme according to a list of "top performing NPS" given on moneycontrol website.
Great information ...
Thanks
Nice video sir. Can a central and state government employee get active choice n aggressive auto choice? Pls answer
Hey.... I was wondering if you can broadly suggest which funds to choose when markets are too high and vice versa....
I try to teach so that people can find answer themselves. There is no right answer for this question as it depends on many different factors.
Thanks for the video..But G is Gilt which is tied to Interest Rate movement..say in current scenario i rebalanced from E to G..and interest cycle reveresed...wont i loose money in G as govt security prices will fall?
True that. And what if the so called "over hyped" Equity market start to see a correction?
Fall in equities is much harder than fall in Gilts - at least history says so.
One needs to do regular rebalancing of their portfolios - ask any Financial Planner!!
As for the future, who know what's in store?
If nifty falls now and interest rates rise, i will loose money in both E and G...G is not safe as it is projected..i think is riskier than equity
Is C also same..like market price linked?
@@indiautube4915 Question really is when you need money. If one needs it in next 3-5 years, move away from Equity.
If it is 10-15-20 years, why worry so much about the "notional losses or gains". Time will teach how to tackle the tide.
G is Govt. bonds and C is Corporate Bonds.
Is there any charge by nps like expense ratio etc.?
No Charge by NPS
My allocation is 75% in equity. Due to market conditions, it is now 80%. I want to keep it @75% only. Want to change PFM also. Will this PFM change with the same allocation % will automatically rebalance my portfolio ? What will be the pros and cons of this activity?
Explained in multiple videos, watch my NPS playlist
Sir mere nps me active wale option me sirf Government security ka hi option de raha hai equity or corporate bond ka option de hi nahi raha h
Yes pls aapko pta chla kya reason iska?
if i sense bear market ahead and that market topped now...I make equity as 0.....To which amount this change of asset allocation is applicable? accrued amount till now from start of NPS account or future money deposited into the account...... my strategy is at market top i want to make equity 0 and at bottom i will change back to 75%. ... ALl the accrued amount will also get affected by this change?
Even Warren buffet also doesn't know market top and bottom
hi can you help me understand . Does NPS rebalance Active choice as well or is it just limited to Auto ? For Eg : if I select an allocation of 30 E , 35 G and 35 C and only keep adding funds every year , will it have a completely different ratio at retirement ?
For Active choice, there is no Automatic rebalancing. You will have to do portfolio rebalancing Manually if you are in Active choice.
@@EveryPaisaMatters Thank you. However in my statement I did notice a transaction saying ' rebalancing ' . And this was around my birthday in December. As I am a new investor in NPS I haven't got the chance to test it again . I will review it in the year end and let you know as well.
My nps xirr 14.5%
What is standard choice option in NPS
Standard choice for what!
Is the portfolio rebalancing is for future investments or the already existing investment? If i want to keep the existing investment in debt and start investing future installments in equity then what will be the option? pls help here
There is no such option. Once you rebalance, it rebalances the whole investment portfolio.
Hello, I am a private employee investing in NPS tier 1. I have chosen Moderate Auto scheme(50% equity) for first 2 years, it was showing good returns around 14% XIRR. This year I changed to Aggressive Auto scheme(75% equity) , but could see 6% XIRR only. I can understand the market is low due to global recession. I changed to Aggressive because market is low , so I can buy more NAV in equity. I assume over a period of years, this will increase. Please let me know if my understanding is correct. And is it good to keep aggressive auto choice this year 2023.
I am a little confused with the rebalancing math that you did. So if my portofolio is set at 50:30:20 then basically the amount that i am investing monthly lets say 10000 will be divided into that ratio and allocated accordingly. now my existing portoflio valuation might vary in the three different categories like based on market equite might be undervalued and so on so forth. but changing this ratio doesnt impact the existing portfolio. the ratio of my investement that is already allocated remain unchanged. Please correct my understanding here
Your existing portfolio also gets rebalanced when you change the ratio.
@@EveryPaisaMatters thanks.. it makes me wonder that a NPS is promoted as comapratively safe instrument and backed by govt, but in reality it needs to be monitored by an individual and obtain education otherwise during retirement the return might shock an individual.. so an average Indian is not even educated about all this in school.
@@priyanka4821 Every financial instrument needs to be understood properly.
You are responsible for your money.💰
Hello Sir... I am central government employee..I nps we have choice of auto choice with LC-50 only. So maximum equity exposure is 50 Only..and nps will rebalance my portfolio only on my DOB... Please tell me how can I rebalance my portfolio on my own other than nps when there is good opportunity occurs in between..recently they have rebalance my portfolio on my birthday and I got less amount transfered from equity to bonds...if rebalancing had happened 2 weeks before I would have got transfered much higher amount.
I have already APY account. Can I open NPS account? ❓
Sir pls help. Actually i was trying to rebalance in my NPS tier 1 account & by mistake its scheme chosen by me is SBI PENSION FUND SCHEME G-TIER I & Percentage selected 100% . Pls guide when i can rebalance it again? I think all my contribution is going under government bond currently.
Eagerly waiting for your positive response 🙏🙏🙏🙏🙏
You can do it agar again 2-3 days but options to rebalance in an year are limited
Thnx a lot but when I can do it again? From where can i get the information.
Hi, I am a central Govt employee from 8 year and have default scheme of NPS. Recently HDFC AMC held workshop regarding changing fund manager for better retirement corpus. They are offering moderate plan which have 50% equity and 30 corporate and 20% govt bond and it will reduce every year age wise. In default scheme 85% allocation in govt and debt bond and only 15% in equity, also have 3 fund manager LIC, SBI AND UTI. My some colleage changed their fund manager to get only 2% more return therefore their all holding shifted to HDFC amc as per latest NAV. You have ample knowledge so please help me Is it really beneficial to change fund manager after 8 year service. I have 27 year for retirement. should I also shift or not ?. Please provide guidance
It does not matter whether you are changing after 8 years or not. As opposed to normal mutual funds, here you have the option to change fund house. The performance of different fund houses has been different but there are also factors like where are you investing the money.
For e.g. someone investing heavily in Equity would have got much higher returns by any Fund management house as compared to one who invested majorly in Debt.
Your retirement is still many years ahead. Read the factsheets and search on internet on comparison of fund houses and you will be able to make the decision.
Hi Topesh sahu bhai I have the same doubt can u please give ur contact number I want to talk and clarify my doubr
Hi sir, I am a Central Govt. Employee serving in WB State Office(PWD). What may remain the best way to manage my NPS Portfolio so that maximum of my contribution may remain in equity. Please reply. My YOB is 1986.
Govt. Employees will be in Auto Choice as per my understanding. Check with your accounts department whether you have the ability to choose Aggressive mode.
@@EveryPaisaMatters Thanks 😊
Thanks for the video sir! My question is that when we decide to rebalance- what happens to the YTD balance sitting across asset class! Does that also change- reinvested as per new preference or only the new investments will change as per new preference?
I covered it in my 19th May LIVE video. Hope you attended and got answer or else can see the video via my channel.
watching lots of video and got confused where to invest 2021.
Hi, can you pls help me on this.
age=25 and ready to invest 50k per year.
thanks for making informative videos👍.
Veer, Investment will be based on your risk appetite and your goal. Drop me an email at feedback@everypaisamatters.com
Hindi language mein Hi Bata dete