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NPS Diwas 2026: Start at 25 or 40? Expert explains how your age can change your retirement savings strategy
Mint 1 hr ago·1 Oct 2026, 2:01 am
National Pension System (NPS) subscribers are often confused about the ideal age to begin their investments. Experts suggest that starting at 25 offers a significant advantage due to the power of compounding, allowing time for the corpus to grow substantially before retirement. However, starting at 40 is not too late, provided the investor commits to higher monthly contributions to make up for the shorter time horizon. The key is to align your investment amount with your age and income to build a sufficient retirement fund.
For investors, this means NPS should be viewed as a long-term retirement tool rather than a short-term savings scheme. The strategy should focus on increasing contributions as income grows and regularly reviewing the expected corpus. While the NPS offers tax benefits, its primary value lies in creating a steady stream of income post-retirement. Investors should assess their current financial goals and adjust their contribution rates accordingly to ensure a financially secure future.
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