Finatwork

Our Founder & SEBI-registered Investment Advisor, Saurabh Bansal, shared his perspective on how this flexibility meaningfully enhances long-term wealth creation for minors.

With the option to choose ‘Active Choice’ and allocate fully to equities in the early years, parents can now truly maximise the power of compounding before gradually transitioning to more conservative allocations later in life.

He also highlighted how NPS Vatsalya now stands competitive with high-conviction mutual funds and PMS strategies, but with a significant structural edge:

* Expense ratios typically below 0.10%
* No capital gains tax during accumulation
* A potential 40–50 year compounding runway

This is more than an allocation tweak, it’s a structural upgrade to India’s retirement architecture led by the Pension Fund Regulatory and Development Authority (PFRDA).

Follow Finatwork Wealth Services Pvt. Ltd. for insights on estate planning, purposeful wealth and long term financial security.

We are a SEBI Registered Investment Advisor.

You can read the full article here:

https://www.outlookmoney.com/personal-finance/nps-vatsalya-pfrda-allows-100-per-cent-equity-allocation-how-it-will-affect-you

NPS Vatsalya: PFRDA Allows 100 Per Cent Equity Allocation, How It Will Affect You - Outlook Money PFRDA has allowed 100 per cent equity allocation in NPS Vatsalya, similar to the Multiple Scheme Framework (MSF) of the NPS. Further, to promote the scheme, it will permit CRAs to share subscribers’ information with the Pension Funds in accordance with the rules

We are pleased to share that Saurabh Bansal, Founder, Finatwork Investment Advisor, was recently featured in moneycontrol.com, sharing his perspective on how a weakening rupee is sharply increasing the cost of overseas education.

In the article, Saurabh highlights that when future goals are denominated in dollars, currency risk becomes a critical part of planning. He points out that parents with long-term goals, typically five years or more away, can mitigate this risk by gradually investing in dollar-denominated assets such as US ETFs or global equity mutual funds. Over time, this approach can act as a natural hedge against currency depreciation.

He also notes that gold funds, given India’s import dependence, tend to mirror dollar movements over longer periods. While gold carries price risk, it can still play a role within a broader, currency-aware strategy.

As global education costs rise, thoughtful planning that accounts for currency movements is becoming essential rather than optional.

Read the full Moneycontrol article here:
https://www.moneycontrol.com/news/business/personal-finance/overseas-education-costs-jump-over-20-in-a-year-as-rupee-slides-13795274.html

Follow Investment for insights on global goals, currency-aware planning and long-term wealth decisions.

Overseas education costs jump over 20% in a year as rupee slides With the rupee weakening 9 percent  against the dollar and around 21 percent  against the pound over the past year, not just tuition but everyday expenses automatically become costlier in rupee terms