EPF, PPF, NPS: Which Retirement Plan is Best for You?

• EPF offers a stable, government-guaranteed 8.25% interest (FY 2024-25) with tax-free withdrawals after 5 years, ideal for low-risk investors.
• PPF provides secure, tax-free (EEE status) 7.1% interest with a 15-year lock-in, allowing partial withdrawals and flexible annual investments.
• NPS is market-linked, yielding 9-11% average long-term returns, offering asset allocation choice and an additional Rs 50,000 tax benefit under Section 80CCD(1B).
• Experts recommend NPS for young investors (under 35), a mix of all three for those aged 35-45, and safer EPF/PPF for investors over 45.
• A balanced investment across EPF, PPF, and NPS is advised to build a stable, inflation-resistant retirement fund.

Why It Matters: This guide helps you pick the right retirement investment for your age and goals.