New Delhi, Jan. 18 -- If you are a salaried person, you would be contributing a part of your salary as a mandatory contribution towards employees provident fund (EPF). But, if you are thinking that only EPF is enough to meet your retirement needs, you're mistaken. Given the tax efficiency, EPF is certainly a good investment product. EPF enjoys the exempt, exempt, exempt (EEE) tax regime i.e. the contribution, the interest earned as well as withdrawal corpus, all are tax free. The returns are guaranteed by the government, therefore, there is no issue of safety of capital.

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However, EPF is primarily a debt product as the majority of its corpus is invested in debt products. In 2015, EPFO started...