Many investors treat the National Pension System (NPS) as a 'set and forget' investment, which can lead to misalignment with their retirement goals. Vishwajeet Goel, Head of Pensionbazaar, emphasizes the need for regular reviews to ensure that asset allocations and contributions can generate a retirement corpus that exceeds inflation by 2-3%. For instance, a monthly contribution of ₹10,000 can grow to ₹2.35 crore over 25 years at a 10% return, but a 1% shortfall in returns could reduce this to ₹2.07 crore, resulting in a ₹28 lakh deficit. Younger investors are advised to adopt aggressive equity strategies, starting with up to 100% equity exposure, gradually reducing this as they approach retirement. Additionally, regular rebalancing—ideally when allocations deviate by 5-10%—is vital to maintain alignment with long-term financial goals. While NPS provides tax advantages and a structured approach, it also has limitations, such as low liquidity and caps on equity investments. Investors should weigh these factors against the flexibility of self-managed portfolios, ensuring they conduct annual reviews for optimal retirement outcomes.