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Each scheme must offer at least two variants: high-risk and moderate. The high-risk
option can now have 100 per cent equity exposure, up from the earlier 75 per cent limit.
“This creates the possibility of higher returns over the long term, especially for young
investors,” says Ranjit Jha, managing director & CEO, Rurash Financials.

Investors cannot switch between MSF schemes within tier I before completing 15 years or
at exit (60 years or retirement). “The mandatory 15-year lock-in is highly restrictive,” says
Jha.

Jha cautions that investors nearing retirement (under 10 years) or those with low risk
tolerance should stay away. Those uncomfortable with managing multiple
schemes should also stay away.

Read the Full article at – https://www.business-standard.com/finance/personal-finance/nps-you-can-choose-100-equity-exposure-based-on-risk-appetite-timeline-125100200837_1.html