Retirement Reality: EPF Alone Won't Cut It; Add PPF, NPS

• EPF alone is often insufficient for retirement due to rising prices, medical costs, and longer lifespans.
• Individual EPF balances can be inconsistent due to job changes, career breaks, or early withdrawals for emergencies.
• Financial planners recommend supplementing EPF with other instruments like PPF and NPS for a robust retirement plan.
• PPF offers stable, tax-free, government-backed returns, while NPS provides controlled equity exposure to combat inflation.
• Starting retirement planning early with a diversified approach (EPF, PPF, NPS, MFs) is crucial for long-term financial security.

Why It Matters: EPF alone won't secure retirement; diversify investments for financial safety.