Different investment choices. NPS offers two modes of investing- active and auto. But here are the highlights which are important from this post’s perspective: NPS Active Choice – In this you get to control the asset allocation between equity and debt. Switching between the active and auto choice is permitted but can be done only once in a year. Active vs auto You have choice to invest in various asset classes like equity, corporate bonds, and government securities either through Active choiceActive choiceActive choice or Auto choice. Under National Pension Schemes, you can either pick your own asset allocation (Active Choice) or outsource it to your NPS fund manager (Auto choice). Tax Benefits Related to the NPS. Its clear from your blog (I also checked on NPS site) and circular that Aggressive option is available only to Auto choice subscribers (All citizen model) and will be reduced to 15% at the age of 55. Auto Choice: Lifecycle Fund NPS offers an easy option for those Subscribers who do not have the required In case of active choice, you can select your own asset allocation across government securities, corporate bonds, equity and alternate investment funds. There are two ways to invest in NPS – Active Choice and Auto Choice. You can opt for ‘Active choice’ while investing in NPS. Auto choice.Auto choice. Choice of investments: The NPS at present has two broad options to select from – Active and Auto choice. Active Choice; Auto Choice; I have written about NPS Active vs NPS Auto Choice in detail earlier. 1. The subscriber has to submit the physical application form (Form-UOS-S3/CS-S3) to change Scheme Preference. Auto choice: When the investments are done by the fund manager, according to the age of the investor. It is recommended to opt for Auto Choice until you have good knowledge and experience of investing in market linked investment options. But remember, scheme preferences can be changed only once a year. In the auto mode, the proportion of your investments is pre-decided based on your age. Deepesh, do you know if active choice equity allocation remains at 50% irrespective of age? Under Active Choice, the NPS subscriber can allocate funds amongst the various fund options as per one’s choice… Investment Choice & NPS Asset Allocation. Switching between active and auto choice in NPS. Active choice: Where the subscriber can choose where he or she wishes to invest the money. Now NPS allows the investments to be managed in two ways: Auto Choice and Active Choice. If you wish to change this ratio, you need to switch to the active mode first. Active choice – Under this option, subscriber selects the allocation pattern amongst the three funds E, C and G. The Maximum allocation to Equity can be 75% and 100% in Corporate or Govt securities. 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