How to invest for my short, mid and long-term financial goals?
Consider starting SWPs to the extent needed to support expenses 2-3 years before retirement to mitigate equity market risks as you get closer to retirement.
My wife (27) and I (33) are IT professionals. We both have EPF accounts for more than five years now. Currently, we invest some basic amount in PPF every year to keep it active and to meet 80C limits. However, we both have NPS Tier-1 accounts since last year with 70% equity and 30% corporate bond allocation, where we invest ₹50,000 each, every year.