EPF vs NPS: Retirement planning – combine for best results

• EPF offers fixed, government-decided interest and is not market-linked, providing investment safety.
• NPS returns are market-linked, with a portion invested in equities, potentially yielding higher returns than debt products.
• NPS allows subscribers to choose investment allocation (active/auto) and change fund managers.
• NPS is generally more beneficial for younger investors (20s-30s) due to longer investment horizons and compounding.
• Experts recommend investing in both EPF (for safety) and NPS (for growth) to build a substantial retirement fund.

Why It Matters: This guides optimal retirement planning using EPF and NPS.