Ans: safety of the capital completely depends on the time duration on which you are planning to invest your money, more the time frame , the more volatile your investments cane be. Generally a 70/30 ratio of equity ( MF ) to debt is suggested if the time frame of the investment is 7 years and above. The application for NPS investment can be made till the age of 60yrs. Track record of any investment is subjective depending on the asset class that you select , for eg. in the last 10 years small caps have given a return of 14-18%, mid caps have given a return of 12-16% , large caps have given a return of 9-13% and debt has given a return of 5-8%, etc.