EPF Post-Retirement: Leave, Move, or Invest? Maximize Your Corpus

• EPF balance earns interest for three years post-retirement if retired at 58, or until age 58 if retired earlier.
• EPF is an accumulation tool, not a retirement income tool; consider government schemes like SCSS, FDs, and debt mutual funds for income.
• Equity exposure (15-20% in large-cap, index, or hybrid funds) is crucial to combat inflation and ensure long-term portfolio growth.
• Diversify a retirement corpus across fixed income (40-50%), debt (30-35%), equity (15-20%), and an emergency reserve.
• Utilize Systematic Transfer Plans (STP) for gradual investment and Systematic Withdrawal Plans (SWP) for steady income, aiming for a 4-5% annual withdrawal rate.