Should your NPS equity share depend only on age? See how LC75, LC50 and LC25 work, and what else decides the right NPS mix
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Delaying your exit past 60 or holding other investments can change the right NPS allocation for you
Investment horizon: you can defer withdrawal or buying an annuity from your NPS Tier-1 account up to age 75, so your real time horizon may be longer than your age suggests.
Overall portfolio: NPS is one piece of the puzzle. If your EPF, PPF or equity mutual funds already lean heavily towards debt or equity, your NPS mix should balance them, not follow a blind age rule.
Overall portfolio: NPS is one piece of the puzzle. If your EPF, PPF or equity mutual funds already lean heavily towards debt or equity, your NPS mix should balance them, not follow a blind age rule.