NPS subscribers now have a third post-retirement payout option in the Retirement Income Scheme (RIS). Here's how it compares with annuities and systematic withdrawals, and who should choose what. NPS subscribers now have a third post-retirement payout option in the Retirement Income Scheme (RIS). Here's how it compares with annuities and systematic withdrawals, and who should choose what. by Soban News (international And National News)