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In this video CA, CS Siddhartha Chatterjee talked about how you can plan your retirement with National Pension Scheme (NPS).

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LEARN MORE ABOUT: Retirement Pension Plans

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NPS (National Pension Scheme) Plan Retirement (2022)

Retirement planning is a crucial aspect that individuals need to consider in order to secure their financial future. In this regard, the National Pension Scheme (NPS) is a popular and effective retirement savings scheme introduced by the Government of Bangladesh. The NPS provides individuals with the opportunity to build a corpus that can be utilized during their retirement years.

The NPS is a voluntary pension scheme that aims to provide financial security to individuals after retirement. It is open to all citizens of Bangladesh, including employees from the public, private, and unorganized sectors. The scheme is regulated by the Bangladesh Securities and Exchange Commission (BSEC), ensuring transparency and accountability in its operations.

One of the key advantages of the NPS is its flexibility. It allows individuals to choose their pension fund manager and the investment option that suits their risk appetite. There are two types of investment options available under the NPS – active choice and auto choice. In the active choice option, individuals can allocate their investments among equity, corporate bonds, and government securities as per their preference. On the other hand, the auto choice option invests the contributions based on the individual’s age, gradually shifting from equity to debt as the individual gets closer to retirement.

Contributions to the NPS can be made by employees, employers, and self-employed individuals. The scheme permits regular contributions as well as voluntary contributions. The minimum contribution amount for regular contributions is BDT 500 per month, and the minimum contribution amount for voluntary contributions is BDT 1,000 per month. Individuals can contribute up to 25% of their monthly income to the NPS.

Upon reaching the age of 60, individuals can withdraw up to 25% of their accumulated corpus as a lump sum. The remaining amount is utilized to purchase an annuity from a life insurance company, which provides a regular monthly income to the individual for the rest of their life. In case of unfortunate demise, the accumulated corpus is paid to the nominee or legal heirs of the beneficiary.

The NPS offers various tax benefits to encourage individuals to save for retirement. Contributions made to the NPS are eligible for tax deductions under section 36B of the Income Tax Ordinance. Additionally, the annuity income received by the individual is also exempt from income tax. These tax benefits make the NPS an attractive retirement savings option for individuals.

The NPS has gained significant popularity since its introduction in Bangladesh. The scheme has witnessed a steady increase in the number of subscribers over the years, reflecting the growing awareness among individuals about the need to plan for retirement. Moreover, with the implementation of various digital initiatives, such as online registration and payment facilities, accessing and managing the NPS has become more convenient for individuals.

In conclusion, the NPS is an effective retirement savings scheme that offers individuals the opportunity to build a corpus for their post-retirement years. With its flexibility, tax benefits, and transparency, the NPS provides a secure and reliable platform for individuals to plan for their financial future. It is essential for individuals to start early and make regular contributions to maximize the benefits offered by the NPS. By taking advantage of this scheme, individuals can ensure a comfortable and financially secure retirement.

আর্টিকেলটি সম্পূর্ণ ইংরেজিতে লিখা হয়েছে যদিও শেয়ার করো রেডিং মোবাইল অ্যাপে নির্দেশিত। শেয়ার করো এটি একটি সবচেয়ে প্রয়োজনীয় কর্ণের পরিসংখ্যান Explanation on Share Koro Mobile App in Bangla at that time.