Debt-equity mix in NPS fund: Base it on risk appetite, not past returns
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar pointed out that the past year was unusually strong across asset classes, cautioned that returns tend to revert to the mean, and suggested choosing NPS funds that charge less and have a reasonable asset base.
More of Abhishek's views on retirement
The article looks at NPS fund performance over the past year, which was strong across equity, corporate bond and government bond schemes. It argues that subscribers using active choice should set their equity and debt mix by risk appetite and time horizon, not recent gains, and explains differences between the corporate and government bond schemes.
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Debt-equity mix in NPS fund: Base it on risk appetite, not past returns