NPS: You can choose 100% equity exposure based on risk appetite, timeline
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar pointed out that subscribers close to retirement who have not yet completed the 15-year vesting period can use the option to shift to common schemes and lower their equity exposure.
More of Abhishek's views on retirement
The article explains PFRDA's Multiple Scheme Framework, launched on 1 October 2025, which lets non-government NPS subscribers hold several schemes under one PRAN, including high-risk options with up to 100% equity. It weighs wider choice against higher volatility, a 15-year vesting rule and higher fees, and discusses who the framework suits.
Publisher source
NPS: You can choose 100% equity exposure based on risk appetite, timeline