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Advice by Akhil Rathi, Head – Financial Advisory at 1 Finance

Investors should welcome this development as a progressive step in India’s pension landscape, but the real benefit will depend on how consistently they invest rather than how aggressively they chase returns. The new Multiple Scheme Framework (MSF) brings more flexibility and options within NPS, but the essence of wealth creation remains the same — discipline, patience, and long-term commitment. Those who build a steady investment habit through regular contributions, regardless of market movements, are more likely to benefit from compounding and achieve a meaningful retirement corpus. The new design simply gives them more ways to express their risk appetite without disturbing the structure and purpose of NPS.

The

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