Retirement Planning: Is Relying Solely On EPF For Your Golden Years A Good Idea?
Last Update Date: 06-10-2026
Published by Outlook Money
Abhishek Kumar's role: Quoted
Abhishek Kumar explained EPF's insurance and pension features, pointed out that its mostly debt-based mix limits growth, and cautioned that the corpus may not meet most people's needs, so investors should not rely on it alone.
More of Abhishek's views on retirement
Outlook Money explains why EPF alone may not be enough for retirement despite its tax benefits. It points to inflation, changing interest rates, limited equity exposure, career breaks, longer lifespans and medical costs, and suggests building a mix of equity funds, NPS and PPF alongside EPF.
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Retirement Planning: Is Relying Solely On EPF For Your Golden Years A Good Idea?