NPS is Misunderstood The National Pension System (NPS) is often misunderstood. Unlike other investment vehicles, NPS is specifically designed for retirement planning . Every feature of this product is geared toward long-term investing , making it fundamentally different from conventional investment options. Financial security is a basic human need. For those earning a salaried income, receiving a monthly paycheck provides a sense of stability. Naturally, we want to maintain the same sense of security even after retirement. One of the best ways to generate a steady post-retirement income is through an annuity . An annuity works by investing a lump sum amount, which then provides a fixed income at predefined intervals — in this case, monthly payments. Importance of Annuities Scientific research has proven that humans are not biologically wired to make complex decisions repeatedly. Our brains tend to rely on shortcuts, which can often lead to poor decision-making . Emotions like f...
I appreciate Microsoft's certification policy. Like Salesforce, they do not require candidates to retake an exam to renew their certifications. Instead, passing an online assessment is sufficient to maintain validity. Even better, Microsoft's Fundamental certifications do not expire. Microsoft takes it one step further by offering region-specific pricing. Unlike Salesforce and AWS, where certification costs are listed in USD, Microsoft's exam fees are displayed in INR and adjusted to India's pricing capacity, making them more affordable. Additionally, Microsoft provides a dedicated learning platform to help candidates prepare for exams, similar to Salesforce's Trailhead. I have successfully completed and passed 5 fundamental certification exams, including achieving a perfect score of 1000/1000 in the Azure Data Fundamentals exam. It’s unfortunate that AWS does not offer free renewals, making it less accessible compared to Salesforce and Microsoft. You can check out ...