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The Central Government has announced two new investment options in the National Pension System (NPS) and Unified Pension Scheme (UPS) for its employees. Learn about these options.

New NPS UPS Investment Options 2025: On Friday, the Central Government announced two new investment options in the National Pension System (NPS) and Unified Pension Scheme (UPS) for its employees.

Under this option, government employees will be able to enjoy more options in NPS and UPS, just like private sector employees. This decision has brought smiles to the faces of employees. Central employees had been demanding this from the Central Government for a long time, and the government approved it on Friday.

What is the new scheme?

The Finance Ministry has approved two new investment options in the NPS and UPS schemes. Under this scheme, Life Cycle and Balanced Life Cycle schemes have been introduced. Regarding this change, the Finance Ministry has stated that these new options will provide greater flexibility for employees in their retirement planning.

Employees will also be able to manage their retirement funds according to their needs. This means that they will be able to manage their retirement plans with greater flexibility.

What are the investment options available?

Regarding the new options, a maximum of 25 percent investment will be allowed in equities when choosing the Life Cycle investment option. This investment will gradually decrease from the age of 35 to 55. In the Balanced Life Cycle investment option, equity investments will begin to decrease from the age of 45.

If employees wish, they can choose to keep their retirement funds in equities for even longer. These new investment options will give employees greater control over their investment choices, allowing them to further optimize their retirement.