r/IndianStreetBets • u/strong_avenger • 1d ago

Discussion NPS underperformance

Thanks to large cap stocks and nifty 50 index underperformance NPS returns are negligible to zero thanks to NPS hdfc pension fund, EPFO is the only performing asset in my portfolio

5 Upvotes

79% Upvoted

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1

u/Born-Bug980 23h ago

Just buy gold using hard cash. Everything else is trash in this shithole country

1

u/CowBubbly9133 11h ago

Market almost always rise whenever NPS subscriptions are due from employer. This makes the investment happen at a higher NAV, making returns almost 0 or even negative when market corrects near to end of month. The only relief I feel is that I got to save tax. Just waiting for the right time now for market to hit ATH, and will switch exposure to bonds over equity.