There are only a few retirement merchandise that assist you to accumulate a retirement nest egg and one such product is the National Pension Scheme (NPS). It is a market-linked, defined-contribution product that wants you to speculate frequently within the funds of your selection. There are eight fund managers to select from and one of many methods to try this is by monitoring the returns. Here is the breakdown of the efficiency of various funds–equity funds, authorities bond funds, and company bond funds–of the personal sector NPS.