Direct answer
It depends on your risk appetite and income, but generally, equity-linked pension plans or a mix of mutual funds and NPS are recommended to benefit from long-term compounding. Younger individuals should prioritize aggressive growth assets over conservative guaranteed-return products.
Financial advisory guidelines published by the Pension Fund Regulatory and Development Authority (PFRDA). For additional information about retirement planning guidelines, see the Pension Fund Regulatory and Development Authority (PFRDA).
What this means for you
It depends on your risk appetite and income, but generally, equity-linked pension plans or a mix of mutual funds and NPS are recommended to benefit from long-term compounding. Younger individuals should prioritize aggressive growth assets over conservative guaranteed-return products.
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