Investment Options
Smart Allocation Strategies for Superior Long-Term Wealth
Understanding the Asset Classes
NPS allows you to invest across four specific asset classes to balance risk and reward.
Equity
Investment in stocks. Focus on high growth with higher market volatility.
Corporate Debt
Investment in fixed income instruments of corporate entities. Moderate risk/reward.
Govt Securities
Investment in Central/State Government bonds. Safest but with stable returns.
Alternative Assets
Investment in REITS, InvITs, etc. Limited to 5% allocation for diversification.
Choice of Investment Pattern
Active Choice
You are the pilot
- Subscriber decides the percentage allocation across E, C, G and A.
- Exposure to Equity (Class E) is capped at 75% up to age 50.
- Ideal for those who understand market dynamics and want full control.
Auto Choice
Autopilot mode (Lifecycle Funds)
- Allocation is managed automatically based on the subscriber's age.
- Equity exposure is higher at young age and gradually decreases as you get older.
- Three lifecycle patterns:
- Aggressive (LC75)
- Moderate (LC50) - Default
- Conservative (LC25)
Professional Fund Management
Your money is managed by some of the most reputable institutional fund managers in India, overseen by PFRDA.
Subscribers can switch their Fund Manager once a financial year.