Why NPS subscribers should not worry about negative returns?

The National Pension System guarantees high returns on investment. Low Return Equity Funds Bothering NPS Subscribers Over the past few years, equity funds have been experiencing negative returns. The volatility of NPS is usually compensated by the debt segment of the National Pension System. Here is a comprehensive listing of the market trends of mid-caps and small-caps of NPS: NPS Funds Rates of Return Kotak Pension Fund 15.94 Birla Sun Life Pension Scheme 14.81 LIC Pension Fund 17.07 HDFC Pension Fund 12.51 ICICI Prudential Pension Fund 11.93 SBI Pension Fund 15.22 UTI Retirement Solutions 14.78 However, the long-term investment policies yielded more negative returns. Here is a listing of all the 3 and 5 years investments: Tier 1 NPS Equity Funds 3 Years Investment 5 Years Investment SBI Pension 12.68 12.09 LIC Pension 13.53 11.71 Kotak Pension 14.21 12.32 UTI Retirement Solutions 12.97 12.27 ICICI Prudential Pension 13.94 12.78 Depreciation of NPS Return is Temporary You need to treat NPS just like a systematic investment plan.