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Lead Today Secure Tomorrow

Your 20s and 30s are about building careers, chasing ambitions, and creating a life youu2019re proud of. Retirement may feel distant - almost irrelevant. But this is exactly the stage where smart financial decisions create the biggest impact.<br><br>The National Pension Scheme (NPS) is designed for this long view. Once considered rigid, NPS today has evolved into a flexible, modern retirement solution. With recent PFRDA amendments, NPS for non-government subscribers is now driven by tenure, not age. After 15 years, you have the choice to exit or stay invested, even till 85, giving subscribers more contr

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Lead Today Secure Tomorrow

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  1. Lead Lead T Today. Secure oday. Secure T Tomorrow. omorrow. Your 20s and 30s are about building careers, chasing ambitions, and creating a life you’re proud of. Retirement may feel distant - almost irrelevant. But this is exactly the stage where smart financial decisions create the biggest impact. The National Pension Scheme (NPS) is designed for this long view. Once considered rigid, NPS today has evolved into a flexible, modern retirement solution. With recent PFRDA amendments, NPS for non-government subscribers is now driven by tenure, not age. After 15 years, you have the choice to exit or stay invested, even till 85, giving subscribers more control and choice than ever before. Why NPS makes sense when you start early Why NPS makes sense when you start early The national pension scheme contribution works on a simple principle: time multiplies money. Starting early allows compounding to work quietly but powerfully in the background. NPS is a long-term, market-linked retirement savings scheme regulated by PFRDA, aimed at building a pension corpus for life after 60. What makes it especially relevant today is its adaptability to changing life stages. The national pension scheme's returns are not fixed. Returns depend on your chosen asset allocation across equity, corporate bonds, and government securities. Over long periods, this market-linked approach has historically delivered competitive outcomes for disciplined investors. A more flexible NPS for a new generation A more flexible NPS for a new generation

  2. Recently, PFRDA introduced Multiple Scheme Framework (MSF), allowing subscribers to hold multiple schemes under a single NPS account (PRAN), giving much more flexibility and choice in how retirement contributions are invested. ICICI Prudential Pension Funds has leveraged this flexibility to introduce innovative investment approaches that speak directly to today’s working generation. •ICICI PF NPS My Family My Future Plan Life isn’t static. Careers grow, families expand, responsibilities change. My Family, My Future is designed to align your NPS journey with these evolving life stages, ensuring your retirement plan keeps pace with the people who depend on you. •ICICI PF NPS D.R.E.A.M. Plan (Dynamic Reallocation Enhanced Accumulation Model) Most people know equity builds wealth - but staying disciplined and consistent is the real challenge. The D.R.E.A.M. Plan brings structure to equity investing by following a systematic, long-term approach that balances growth with risk as you move closer to retirement. NPS now lets you plan retirement around your life, not the other way around. Questions young investors commonly ask How is NPS calculated? How is NPS calculated? Your final retirement corpus is influenced by: •Monthly contribution amount •Length of investment •Asset allocation strategy •Market performance An NPS calculator helps you visualise how your money grows over time. What is the total amount of NPS at a contribution of ₹5,000 per month? What is the total amount of NPS at a contribution of ₹5,000 per month? A monthly contribution of ₹5,000, started early and continued till 60, can potentially grow into approximately Rs. 20 Crores, with an estimated 10% annual increment. Power lies in consistency and long-term investing. How does NPS pay after 60 years? How does NPS pay after 60 years? At retirement: •Up to ₹8 lakh: 100% lump sum withdrawal allowed (zero-annuity benefit, earlier capped at ₹5 lakh)

  3. •₹8–12 lakh: Up to ₹6 lakh as lump sum; balance via annuity or systematic withdrawal (minimum 6 years) •Up to 80% can be withdrawn as a lump sum, for a corpus above 12 lakhs. •A minimum of 20% is used to purchase annuity, providing regular pension income This ensures both liquidity and lifelong financial stability. Is NPS a good investment? Is NPS a good investment? For individuals looking for: •Long-term financial discipline •Market-linked growth •Regulatory oversight •Flexibility to adapt as life changes National Pension System is a strong retirement building block, especially when it started early. The real advantage of starting now The real advantage of starting now You don’t need to wait for higher salaries or perfect timing. What you need is consistency, patience, and foresight. Start early. Stay invested. Let your future self-thank you.

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