pension yojana offers a guaranteed return of 8 during the accumulation stage and during the annuitisation stage these rates are higher than the prevailing rates we want to raise the pension amount to rs 10000 but this decision has to be taken by the government since they are guaranteeing the paymentin the auto choice the asset allocation is automatically changed every year how does that helpyou might also likehow different types of nps funds have performeda large number of subscribers do not change their asset mix throughout the investing period nps is the only product which automatically rebalances the corpus every year if the investor has opted for the auto choice so if you started off with 50 equity and due to a market rally it has gone up to 60 the nps will automatically reset it to 50 on your next birthday this happens regularly and ensures that the risk profile of the investor is maintainedclick here to download et onlines guide to everything personal finance in the times of covid19