NPS changes

Depends upon the need of investor. The objectives of both the schemes are totally different.

Tier I is for pension while Tier II is for short/medium term goals.

Investors are not allowed to withdraw funds from Tier I account often, but for emergency needs; which is not case with Tier II accounts.

Tier I has tax benefits attached to its investment, but not the case with Tier II..

Having said that, not advisable to touch Tier I account without specific reason...