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8.5%First documentPension Plans: Buy Best Pension Scheme in India 2026Open original ↗
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Benefits of National Pension Scheme
Automatic Risk Adjustment: Though the portion of your investment goes into equity, you have the option to decide what percent you want in equity. You can completely avoid investing the equity if you have a low-risk profile. If you invest in equity the maximum equity allocation is 75% and it depends on your age. As you close in on your retirement age, the equity exposure in your portfolio reduces.
Investment Choices for NPS
Your money will be invested in asset classes in proportions that shift with your age. As you age, exposure to equity and corporate debt gradually decreases while increasing in government securities, a built-in way of reducing risk as you approach retirement.