Though National Pension System (NPS) offers good tax deferring options, it is not suited to investors whose debt portion is already met through contributions to PF, PPF, etc and want to route the additional investment to equities.
This is because as per existing regulations, NPS does not allow equity exposure beyond 50%. Though a new lifecycle fund introduced last week allows up to 75% equity exposure, it is only up to the age of 35. After that, equity exposure comes down by 2% yea ..
