“Retirement? Bro, I just started earning!”
That’s probably the first reaction you’d get from a typical Gen Z professional when someone mentions the National Pension System (NPS).
Fair enough. If you're in your early 20s, just started your first job, figuring out rent, EMIs, weekend plans, and trying to live in the moment - retirement seems like a distant planet.
But what if we told you that starting your NPS journey now could be one of the smartest flexes you make?
🧠 Think Smart, Start Early
Gen Z is known for breaking stereotypes from career choices to investments - exploring crypto, stocks, side hustles... but what about tax-saving?
NPS is designed exactly for that. A small contribution today can snowball into a solid retirement corpus, thanks to the power of compounding.
Why NPS is Gen Z Friendly
- ✅ Flexibility: You can start small and increase gradually. No pressure.
- ✅ Tax Savings: Under the old regime, get deductions under 80C, up to ₹50,000 and under 80CCD(1B), and 10% of basic salary under 80CCD (2). Under the new regime, up to 14% of basic salary is deductible under 80CCD (2).
- ✅ Portable: Switch jobs or cities, your NPS stays with you — just like your Netflix password.
🎯 Final Word
Being Gen Z isn’t just about trends — it’s also about being ahead of the curve. While others “plan later,” you can act now.
So next time you get your paycheck, think about your future you — sipping cold coffee at 60, not worrying about bills. That’s the NPS life.
