This is the 4th article in my NPS series . In this one, I’m sharing some ideas to make NPS even more investor-friendly. 1️⃣ 100% Equity Allocation As a young investor, I’d like the option to allocate my entire corpus to equity until I’m 5 years away from retirement. 2️⃣ Beyond the Top 200 Companies Fund managers should have the flexibility to invest beyond the top 200 Indian companies. In my younger years, I’m comfortable with higher risk and would love exposure to smallcaps and even microcaps. 3️⃣ Global & Commodity Exposure NPS should offer options to invest in commodities like gold & silver, and also in global markets - US, China, Brazil, and other emerging territories. 4️⃣ Higher Allocation to Scheme A The current 5% cap on Scheme A feels restrictive. Subscribers should be allowed to allocate a higher portion here. 5️⃣ Flexible Annuity Options Subscribers should be able to choose more than one annuity...