Note : Ceiling for claiming tax deductibility of Annual Employer contribution to "NPS Tier 1 account, EPF and Superannuation along with accrued interest" = Rs 7.5 lac
Stock Holding uses a proprietary asset-class performance forecast model to suggest Dynamic asset-allocation strategies to it's users. So, unlike NPS regulator prescribed NPS Auto choices (where asset allocation is predefined as per a user's age) or unlike strategic asset allocation (that typically allocates more to equity when greater years to retire are available), Stock Holding combines Strategic asset allocation with it's dynamic asset allocation for different customer risk-profile. ALPHA (EXCESS-RETURN) ADDED BY STOCK HOLDING'S ASSET-ALLOCATION STRATEGY, WHEN COMPARED WITH NPS-AUTO LC 50.
Sample the results below, for a person investing in NPS whose investment-goal is 2 years away.
CUSTOMER'S INVESTMENT GOAL IS 2 YEARS FROM NOW
|STOCK HOLDING Asset Allocation -Vs- NPS AUTO-CHOICE-LC 50*|
|% SUCCESS (in terms of positive alpha arising from Stock Holding allocation)||85%|
|% FAILURES (in terms of negative alpha arising from Stock Holding allocation)||15%|
|AVERAGE ALPHA (Using Cumulative 2-year-returns) on SUCCESS||13%|
|AVERAGE NEGATIVE ALPHA (Using Cumulative 2-year-returns) on FAILURE||2%|
|EXPECTED ALPHA (Using Cumulative 2-year-returns)||11%|
*NPS AUTO-CHOICE-LC 50 is MODERATE RISK ASSET ALLOCATION = 10 % NPS E, 80 % NPS G, 10 % NPS C.
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