Liquidity, Sept. 21 -- Planning for retirement is an important part in every individual's financial planning. There are very few financial instruments that are completely focused on retirement savings. Even though EPF and PPF are oriented towards saving, there is no compulsion to stay invested in them till you actually retire. However in the case of NPS, you are expected to stay invested till you retire. In order to provide an architecture to ensure systematic planning for retirement needs, the Government of India launched the 'National Pension Scheme' in 2004. This scheme was initially available exclusively for government employees. However in 2009, the scheme was made open to all including those working in the private sector. It is inte...