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. Switching between the active and auto choice is permitted but can be done only once in a year. If you wish to change this ratio, you need to switch to the active mode first. Auto vs Active: The better choice According to experts, you should choose Active choice only if you are aware of what is the right asset allocation for retirement savings and have a decent understanding of various asset classes, market trend and their behaviour. Different investment choices. In the auto mode, the proportion of your investments is pre-decided based on your age. 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. In case of active choice, you can select your own asset allocation across government securities, corporate bonds, equity and alternate investment funds. Auto choice.Auto choice. Active vs auto Investment Choice & NPS Asset Allocation. What are investment choices offered in NPS? Active Choice The subscriber has to submit the physical application form (Form-UOS-S3/CS-S3) to change Scheme Preference. Deepesh, do you know if active choice equity allocation remains at 50% irrespective of age? 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. Active Choice; Auto Choice; I have written about NPS Active vs NPS Auto Choice in detail earlier. 1. Under National Pension Schemes, you can either pick your own asset allocation (Active Choice) or outsource it to your NPS fund manager (Auto choice). You can opt for ‘Active choice’ while investing in NPS. NPS offers two modes of investing- active and auto. Equity Allocation Upto 50 75% 51 72.50% 52 70% 53 67.50% 54 65% 55 62.50% 56 60% 57 57.50% 58 55% 59 52.50% 60 & above 50% 2. Under Active Choice, the NPS subscriber can allocate funds amongst the various fund options as per one’s choice… But remember, scheme preferences can be changed only once a year. Investments in NPS are crowned with a number of income tax related exemptions. Switching between active and auto choice in NPS. Now NPS allows the investments to be managed in two ways: Auto Choice and Active Choice. Equity Allocation Matrix for Active Choice Age (years) Max. Tax Benefits Related to the NPS. There are two ways to invest in NPS – Active Choice and Auto Choice. Choice of investments: The NPS at present has two broad options to select from – Active and Auto choice. Active choice: Where the subscriber can choose where he or she wishes to invest the money. 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