Needed: a refocusing on NPS

There's a common belief among savers that if you want to save money for retirement, it has to be done specifically through some product or savings channel that is intended for the purpose. Something has to be a 'retirement plan' or a 'retirement scheme,' etc. for it to be useful for retirement. This is obviously not true. Money is money and saving money in any format whatsoever can be used for retirement. The belief in the retirement label probably results from the fact that there so exist some retirement-specific savings routes like EPF and NPS which have some characteristics that are specifically designed for retirement savings. By and large, the tax laws offer a simple trade-off for the products that are labelled as tax savings: lock in your money till after yo