Thanks for sharing your thoughts! I will definitely think about it.
For me, NPS Tier II acts like a fixed instrument ( I know it’s not fixed!). My point is, if I feel the markets are heated up, time to book some profits but don’t see any opportunity to buy anything I will simply put it in NPS Tier II. Benefits are that you can withdraw it easily, it’s relatively safer (50%E 50%D) and LEAST expense ratio. My expectations from this asset is just 10% (beating actual inflation).
For the current market, I am expecting a further 15-20% correction in small and micro caps. When I don’t know. If it happens, I will certainly deploy back the amount from this NPS account back to stocks.
I believe it’s better than liquid fund.
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