STEP-WISE INSTRUCTIONS FOR USING STOCK HOLDING'S NPS ADVISORY WEBSITE

1. Register with us (you could use our free calculators, read about WHY USE SHCIL, to decide whether you wish to register or not).
2. Post-registering, when you login, you would see the following tabs :
   

   Please click on "NPS Tier 1 advice", to create your Retirement Advisory Plan using NPS Tier 1 account.

   Our advisory would assist you with :

   1. calculating your income tax liability under the old/ new tax slabs-rates of Budget 2020 along with the mode of NPS contribution, which results in Minimum Income tax liability for you,
   2. asset allocation across NPS asset classes of E (Equity) /C (Corporate debt) /G (Government debt) that maximizes expected pension post retiring as per your risk-appetite,
   3. pension fund manager selection,
   4. viewing Expected and worst-case pension for life you could expect from Stock Holding's recommended NPS plan Vs Pension-regulator-prescribed NPS auto choice Vs investments such as Bank FD/ mutual funds/ Voluntary provident fund.
   
   

   After saving Stock Holding's advisory-plan, you would see your NPS Tier 1 Retirement plan, in terms of :

   1. contribution amount you need to make to meet your Retirement goals as per your risk-appetite,
   2. years for which you need to make this contribution (Assumed to increase annually at inflation or % increase in your salary per year),
   3. your chosen NPS Asset allocation,
   4. your NPS Pension fund manager selection,
   5. given your contribution amount, your tax liability under old & new tax slabs of Budget 2020 and different mode of NPS contribution (Employee or Employer or Both).
   6. Recommendation for the Income Tax returns filing method (NEW or UNCHANGED IT SLABS/ RATES) that minimizes your Tax liability and EMPLOYEE/ EMPLOYER CONTRIBUTION per month.
   
   
3. Similarly, click on NPS Tier 2 advice, to create your Investment Advisory Plan using NPS Tier 2 account.

   Our advisory would assist you with :

   1. Contribution to be made for meeting your financial goal (if any),
   2. asset allocation across NPS asset classes of E (Equity) /C (Corporate debt) /G (Government debt) that maximizes Expected return as per your risk-appetite,
   3. pension fund manager selection,
   4. viewing Expected and worst-case Maturity corpus accumulated, as per Stock Holding's recommended NPS Tier 2 plan Vs investments such as Bank FD/ Debt mutual funds.
   
   

   After saving Stock Holding's advisory-plan, you would see your NPS Tier 2 investment plan, in terms of :

   1. contribution amount you need to make to meet your goals (if applicable) as per your risk-appetite,
   2. years for which you need to make this contribution & mode of contribution (SIP or Lumpsum),
   3. your chosen NPS Asset allocation,
   4. your NPS Pension fund manager selection.
4. Whenever you login into your Stock Holding account, you can click on the tab "View Existing Plans", to view your Saved plans. If you have saved multiple plans, then it is recommended that you "ACTIVATE" that plan, according to which you wish to transact. You can download pdf report of this activated plan or view it online.