EPF Not Enough for Retirement? Supplement with PPF & NPS.

• EPF alone is often insufficient for retirement due to factors like inflation, rising medical costs, and potential early withdrawals.
• While the national EPF corpus is substantial, individual retirement funds are drawn from personal accounts, highlighting a potential gap.
• Frequent job changes, career breaks, or using EPF as an emergency fund can diminish its effectiveness as a sole retirement vehicle.
• Financial experts advise supplementing EPF with additional savings instruments like PPF and NPS for a more robust retirement plan.
• PPF offers safe, tax-free returns, while NPS provides equity exposure, helping to combat inflation and grow the retirement corpus.

Why It Matters: Your EPF alone won't fund retirement; supplement it with PPF/NPS for future security.