Retirement is the longest goal most families have, and the one most often left too late.
This page explains how mutual funds and the National Pension System (NPS) can work together, what each costs, how they are taxed and how we help.
Work out your likely monthly spending in retirement in today's money. Then grow it by inflation to the year you retire. At 6% inflation, ₹40,000 a month today becomes about ₹1.28 lakh a month in 20 years. And that income has to last 25 years or more after you stop working.
Next, count what you already have: EPF, PPF, existing funds, any pension, rent from property. The gap is what new savings have to cover. Our retirement calculator lets you try this with your own assumptions.
NPS is a pension scheme regulated by PFRDA. During your working years you contribute to a Tier I account. Pension fund managers invest it in equity, corporate bonds and government securities, in a mix you choose or in a life-cycle mix that shifts towards bonds as you get older.
Costs are low compared with most mutual funds. PFRDA caps the investment management fee, and the account and transaction charges are small.
At normal exit, the 2025 amendments to PFRDA's exit regulations let subscribers in the All Citizen and corporate models take up to 80% of the corpus as a lump sum. At least 20% must buy an annuity, which pays a monthly pension. Smaller corpus amounts can be withdrawn in full. Government-sector subscribers follow different rules.
Before normal exit, access is restricted to partial withdrawals for specific needs. A premature exit sends most of the corpus into an annuity. Check the current PFRDA FAQ before you plan around any of these limits.
Mutual funds give flexibility NPS does not. You can withdraw at any time, subject to exit loads and tax, and you choose your own fund mix. The trade-off is that the discipline is yours. Nothing stops you dipping into retirement money for a car.
As an example of how some families do it: equity-oriented funds through SIPs while earning, a gradual move into hybrid and debt funds in the last five to seven years before retirement, and a systematic withdrawal plan (SWP) afterwards to draw a monthly amount. The right mix depends on your other income and how much a fall would worry you.
We look at your EPF, PPF, NPS, mutual funds and other assets together and work out a monthly saving target with you. We set up and review the mutual fund part. For NPS, we explain the choices (fund mix, life-cycle options, the annuity at exit) and help you use the official NPS channels to open or manage your account.
Closer to retirement, we help plan the move from saving to drawing an income, so that a market fall in the first few years does not force you to sell at a bad time.
The office is at Khatri House, Behind S.B.I. Bank, O/s Jalori Gate, Jodhpur. You can walk in Mon–Sat, 10 am – 7 pm, or call first so we can keep the forms ready.
Many people use both. NPS is low-cost and has extra tax deductions, but locks money in until exit and needs part of the corpus to buy an annuity. Mutual funds are flexible but need self-discipline.
Under the 2025 exit rules, All Citizen and corporate subscribers can take up to 80% as a lump sum and must use at least 20% for an annuity, with full withdrawal allowed for smaller corpus amounts. Check the PFRDA FAQ for current limits.
No. That deduction is only for the old regime. The deduction for your employer's contribution is available in both.
As early as you can. Starting ten years later means you need a much larger monthly amount for the same target. Our retirement calculator shows the difference using your own numbers.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Nick Investment, Khatri House, Behind S.B.I. Bank, O/s Jalori Gate, Jodhpur, Rajasthan 342001. Mon–Sat, 10 am – 7 pm. Call +91 94141 28970 or WhatsApp. Call +91 94141 28970 · WhatsApp us
Nick Investment is an AMFI-registered Mutual Fund Distributor (ARN-112296). We are not a SEBI Registered Investment Adviser. We distribute regular plans and receive trail commission from the asset management companies, which is included in the scheme's expense ratio.