NPS offers No assurance on Returns

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Trade unions have opposed the NPS because it does not offer assured returns. In fact, it should not be called a pension scheme because pension is not defined. NPS may be looking good right now because markets have done well. But this could change dramatically if there is a downturn. Some funds of the NPS have given barely 2% returns in the past one year. If equity markets crash, the returns could be in the negative. What happened in 2008 could get repeated.

If an investor retires in a black swan year, he will have a corpus much smaller than he planned for. What if the bearish phase extends for 5-10 years? Will he be able to survive without his pension just because markets are down? A 25-year-old may be able to wait it out for the markets to bounce back, but a retiree does not have the luxury of time. This is why investors want some kind of assurance in the income during retirement. Unless the NPS offers an assurance of positive returns, investors s ..

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