The investor has 2 Investment options for managing the fund: Auto and Active.
This is the default option under NPS and wherein the management of investment of fund is done automatically based on the age profile of the Subscriber. This is available with three modes:
- Aggressive (LC75)
- Moderate (LC50)
- Conservative (LC25)
Type Of Modes In Auto Life Cycle Fund
- Aggressive LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset.
- Moderate LC 50- It is the Life cycle fund where the Cap to Equity investments is 50% of the total asset.
- Conservative LC 25- It is the Life cycle fund where the Cap to Equity investments is 25% of the total asset.
Under this option, Subscribers are free to allocate the investment across the asset class provided i.e. E/C/G/A. Subscriber decides allocation pattern amongst E, C, G and A as mentioned below
Investment Limit in Active management
||CAP ON INVESTMENT
| Equity (E)
| Corporate Bonds (C)
| Government Securities (G)
| Alternate Investment Funds (A)