4 Reas

I
onst
nves
ti
o
nNPS

I
nves
tmentOpt
ionsYouShoul
dCons
ider

Ac
tiveChoi
ce:I
ndi
vidualF
unds
I
dealf
ori
nves
tor
swh owan
ttot
akec
ont
rol
oft
hei
rin
ves
tme
nt'
sfu
tur
ebas
edon
per
son
alpr
efer
ence
s.
P
FM
Th
esubsc
ri
ber
As
set
clas
s
must
provi
de:
P
erc
ent
ageal
l
ocat
i
onf
ore
achP
FMs
che
me

As
set
clas
sE-Equ
it
y-Upt
o75%
T
heallocat
i
ons h
oul
dbe As
set
clas
sC-Cor
por
ateDe
bt-Upt
o100%
s
peci
fie dunderasi
ngl
e
P
F Mforfourass
et As
set
clas
sG-Gov
ern
men
tBon
ds-Upt
o100%
c
lass
es:
As
setCl
assA-Alt
ernat
eInv
estment
Fun
dsli
ke
CMBS,MBS,REI
TS,AIF
s,I
nvl
tset
c.
-Upto5%

Aut
oChoi
ce:Li
fec
ycl
eFund

I
ntendedforinves
tor
swhowantt
oautomat
ical
lyr
educ
eexpos
uret
omor
eri
sky
i
nvestmentopti
onsashe/s
heget
sol
der
Easyopt
ionfort
hoseSubs
cri
ber
swhodonothav
ether
equi
redk
nowl
edget
omanage
thei
rNPSinv
estment
s.

I
nthi
sopt
ion,t
hei
nves
tment
swi
llbemadei
nal
if
e-c
ycl
efund.

Her
e,thepropor
tionoff
undsi
nvest
edacr
osst
hreeas
setc
las
s eswi
llbedet
ermi
nedbya
pr
e-definedport
foli
owhichwoul
dchangeaspert
heageoftheSubscr
iber
.

Asageinc
reas
es,t
hei
ndi
vidual
’sexpos
uret
oEqui
tyandCor
por
ateDebtt
endst
o
dec
reas
e.

Dependi
ngupontheri
skappeti
teoft
heSubs
cri
ber
,ther
ear
ethr
eedi
ff
erentopt
ions
avai
labl
ewit
hin‘
AutoChoice’

Aggr
ess
ive(
LC75)

Moder
ate(
LC50)
Cons
erv
ati
ve(
LC25)

T
axSavi
ngBеnеfit
s

80CCD(
1) 80CCD(
1B)

Gett
axbenefi
tswi
thanov
eral
lce
il
in
gof Additi
onaldеduc
ti
onofuptoRs.
50,
000
Rs
.
1.5lacu
nderSe
c80CCE. (T
ierIaccoun
t)overandabovet
he
dedu c
ti
onofRs.
1.
5l ak
havail
abl
eunde
r
sec
tion80C

80CCD(
2) E
EESt
atus

Gettaxbene
fitforEmpl
oyer
’s En
joytaxexempt
i
onat
thet
i
meof:
Cont
ribu
ti
on(Corpor
ateSe
ctor
)ofu
pto I
nvest
ment
14% ofs
alar
y(Basi
c+DA)u pt
o Acc
reti
on
Rs.
7.5Lakh Wit
hdrawal

T
rus
tedF
undManager
s
F
undsar
еmanagedbypr
ofеs
sionalPens
ionF
undManagеr
sregul
atedbyPF
RDA

L
owerE
xpens
eRat
io
L
ow-cos
tpens
ions
chemecons
ide
rin
gF u
ndMan age
men
tfe
ean
dot
heradmi
ni
st
rat
i
vec
har
ges
,
l
eadi
ngtoc
omparat
iv
e l
yhi
gherr
eti
rement
cor
pus.