NPS: Auto or Active Investment? Choosing the Right Option for You

Entertainment National Sports Markets Business & Economy Lifestyle World Astrology & Religion Technology Education & Jobs Auto Politics Viral Opinions

Loading more articles...

NPS: Auto or Active Choice? Deciding Your Best Retirement Investment Path

The goal of NPS is long-term retirement planning

M

Moneycontrol•12-02-2026, 15:47

NPS: Auto or Active Choice? Deciding Your Best Retirement Investment Path

•NPS offers two investment choices: Auto Choice (age-based allocation) and Active Choice (self-managed allocation).
•Auto Choice automatically adjusts asset allocation (equity, bonds) based on age, reducing risk as retirement nears.
•Active Choice allows investors to decide their own allocation across equity, corporate debt, government securities, and alternative assets, with caps.
•Auto Choice suits those who prefer a 'set it and forget it' approach, while Active Choice is for investors comfortable with managing their portfolio.
•Review your choice annually; NPS allows switching between auto and active choices and modifying asset allocation.

Read Full Article on Moneycontrol in English

✦

More like this

✦

More like this

Representative image

NPS vs. Mutual Funds: Unpacking Retirement Choices for Long-Term Security

Choosing between control and convenience: NPS Active vs Auto Choice during market volatility.

NPS Active vs Auto Choice: Which is Better for Volatile Markets?

Existing NPS subscriber cannot transfer their current scheme to the NPS MSF scheme

NPS MSF: Ignoring Asset Allocation Can Expose Retirement Corpus to Shocks

NPS Tier I Returns: Fund Managers' Performance Revealed

NPS Tier I Returns: Fund Managers' Performance Revealed

EPF, PPF, NPS: Choose Your Best Retirement Fund for a Secure Future

EPF, PPF, NPS: Choose Your Best Retirement Fund for a Secure Future

Employee Provident Fund (EPF) and NPS are separate, and NPS does not affect EPF contributions

NPS via Employer: Smart Retirement Move or Just More Deductions?