Never miss a great news story!
Get instant notifications from Economic Times
AllowNot now


You can switch off notifications anytime using browser settings.

Invest

11,847.5551.1
Stock Analysis, IPO, Mutual Funds, Bonds & More

How NPS funds have performed

Here are the returns of the NPS funds for four different types of investors having a varying allocation to the debt and equity.

ET Bureau|
Apr 15, 2019, 06.30 AM IST
0Comments
Getty Images
Analysis-getty
Conservative investors have suffered because bond yields shot up in the past six months.
These are blended returns for four different types of investors with varying allocation to equity funds.

Aggressive
The risk taken by aggressive investors has paid off handsomely.

Returns could be higher in future as the cap on equity exposure is now higher at 75% for susbscribers below 35.

Equity funds: 50%
Corporate Bond funds: 30%
Gilt funds: 20%
NPS-Aggressive

Balanced
Investors with a balanced mix are not far behind. But the double digit returns earned in past 3-5 years are misleading. SIP returns in past 3-5 years have not been so great.

Equity funds: 33.3%
Corporate Bond funds: 33.3%
Gilt funds: 33.3%
NPS-Balanced

Conservative
Conservative investors have suffered because bond yields shot up in the past six months. Gilt funds usually hold long-term bonds, which saw a steep fall in prices when rates went up.

Equity funds: 20%
Corporate Bond funds: 30%
Gilt funds: 50%
NPS-Conservative

Ultra safe
Investors with no equity exposure earned the lowest returns. The LIC Pension Fund is the best option for such investors because of its rich experience in handling debt investments.

Corporate Bond funds: 40%
Gilt funds: 60%
NPS-Ultra-safe

6-month and 1-year are absolute, 3-year and 5-year returns are CAGR, and SIP returns are based on IRR.
Data as on 10 Apr 2019

Source: Value Research
Returns of the best performing schemes have been highlighted
0Comments

Also Read

How NRIs can open NPS account online

How to read NPS transaction statement

NPS 1-year returns in high teens. Should you invest?

How to open an NPS account online without Aadhaar

Comments
Add Your Comments
Commenting feature is disabled in your country/region.
Download The Economic Times Business News App for Live Elections News & Results, Latest News in Business, Share Market & More.

Other useful Links


Follow us on


Download et app


Copyright © 2019 Bennett, Coleman & Co. Ltd. All rights reserved. For reprint rights: Times Syndication Service