Investors can now diversify their portfolio in silver and gold ETFs and Nifty 250 index under National Pension Scheme (NPS), UPS (Unified Pension Scheme), NPS Lite, APY (Atal Pension Yojana) and APY Fund Scheme, with caps and stricter limits.

As per Pension Funds Regulatory Authority (PFRDA), they can now invest in alternative investment funds with up to 5 per cent ceiling. Other options for portfolio diversification include REITs (Real Estate Investment Trust), InvITs (Infrastructure Investment Trusts), and ABS (Assets-Backed Securities).

By allowing judicious, strictly capped exposure to Gold and Silver ETFs, Alternative Investment Funds (AIFs), REITs, and municipal bonds, the new framework introduces crucial diversification and access to specialized asset classes, enhancing the potent

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