Is NPS safer than mutual fund?
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As risks are high, equity mutual fund offers more return in the long term. “NPS schemes generally offer 10-12% returns, whereas Equity Mutual funds offer 14-16% return in the long-term. So, one has to choose as per their risk appetite and investment objective.
Both NPS (National Pension System) and mutual funds have their own set of risks and benefits. NPS is a government-regulated retirement savings scheme that offers a certain level of safety as it is governed by strict regulations. It provides a choice of investment options, including equity and debt, allowing individuals to customize their investment strategy.
On the other hand, mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities. They offer the potential for higher returns but also come with market risks.
It’s important to note that both NPS and mutual funds carry some level of investment risk. The performance of NPS and mutual funds depends on various factors such as market conditions, investment strategy, and the performance of the underlying assets. It’s advisable to assess your risk tolerance, investment goals, and consult with a financial advisor to determine which option aligns better with your needs. 😊💰📈🏦