😳Government just transformed retirement in India  Hi, this is Chandralekha and I love talking about money  Here’s the break down of the NPS update 💡 Biggest reform announced in December 2025 ✔ Often called NPS 3.0 ✔ Exit, withdrawal, and annuity rules rewritten 💡 Mandatory annuity reduced ✔ Earlier 40% of corpus was locked in annuity ✔ Now only 20% is mandatory ✔ Up to 80% can be withdrawn as lump sum ✔ More control over your own money 💡 Exit no longer tied only to age 60 ✔ Earlier exit was only at retirement ✔ Now allowed after completing 15 years ✔ Start at 30 and exit at 45 with up to 80% corpus ✔ Huge upgrade for private sector investors 💡 New Systematic Unit Redemption ✔ Works like SWP in mutual funds ✔ Withdraw monthly while money stays invested ✔ Minimum 6 year period ✔ Better cash flow and lower reinvestment risk 💡 Higher equity exposure ✔ Up to 100% equity allocation allowed ✔ Makes NPS comparable to equity mutual funds ✔ Historical NPS equity returns ~14% over 10 year...