The recent stock market downturn has significantly affected National Pension Scheme (NPS) portfolios, prompting experts to advise diversification across asset classes like debt and government securities for stability. NPS is a long-term investment primarily accessible post-60 years, with a recommended equity exposure of 75% for those under 50. However, older investors should gradually reduce equity to mitigate risk. Despite some NPS funds showing single-digit returns, the DSP Pension Fund led with a 16.15% return over the past year. A balanced approach is now advised, even for younger investors, to navigate current market fluctuations effectively.