Your savings and investment queries answered

NPS vs EPF: Which is better? I am retiring next year with a substantial PF accumulation. Please suggest whether switching over to NPS at this stage will be beneficial to me or not. -Rajesh Kumar Bhasin Given your imminent retirement, switching to NPS (National Pension System) from your provident fund right now might not be very useful. Instead, you can wait till you retire, realise the EPF (Employees' Provident Fund) money and then invest it based on your income requirement. Had your retirement been, let's say, five or ten years away, it would have been prudent to invest in NPS since you could have reaped its benefits over time. Howeve

This article was originally published on January 19, 2024.