# NPS (National Pension System) — Arthum Wealth Services

Build a tax-efficient retirement corpus with NPS — the only product giving you a deduction outside the ₹1.5L 80C ceiling.

## What we help with
- Opening Tier I (and if useful, Tier II) accounts
- Asset allocation across Equity (E), Corporate Debt (C), Govt Securities (G), Alternates (A)
- Auto Choice (LC75/LC50/LC25) vs Active Choice
- Right Pension Fund Manager (PFM) selection
- Annual rebalancing and PFM switches
- Maturity, withdrawal and annuity strategy at 60

## Tax benefits
- **80CCD(1)** — up to 10% of salary (within ₹1.5L 80C limit)
- **80CCD(1B)** — additional ₹50,000, exclusive to NPS (old regime)
- **80CCD(2)** — employer's contribution; up to 14% of basic+DA in new regime, no cap in old regime

## Who NPS suits
- Salaried wanting the extra ₹50,000 deduction
- Self-employed without other pension products
- Investors comfortable with retirement-locked funds

*NPS is subject to market risks. Tax benefits are as per current law and may change.*