There is a need to constantly evaluate your equity and debt NPS schemes against the market indices to assess their true performance over the years. In this regard, I was quoted in a news piece in Mint (link):
Here is what my quote was – “It is important to look for consistency. Which fund manager has given consistent returns in the asset classes you wish to have in your portfolio? Someone who doesn’t have any EPF (employee provident fund) can consider 50:50 allocation to corporate andgovernment debt or higher combined allocation depending upon the individual’s risk appetite. Whereas someone with EPF may consider 75% equity allocation as EPF would already give debt exposure to the retirement portfolio,” explained Dev Ashish, founder of StableInvestor.