EPF vs NPS: Dual Strategy for Max Retirement Corpus

• EPF and NPS are distinct retirement planning tools, each with unique characteristics for corpus maximization.
• EPF offers a predictable, stable, debt-based retirement cushion with automatic contributions but slower growth.
• NPS provides flexibility and higher growth potential through equity exposure, but involves market volatility and requires more active management.
• The choice between EPF and NPS often depends on an individual's life stage, with NPS favoring younger savers for growth.
• Many savers adopt a dual-engine approach, combining EPF for stability and NPS for long-term growth, to build a balanced retirement corpus.

Why It Matters: Making the right EPF/NPS choice is vital for maximizing your retirement funds.