New EPF withdrawal rules offer greater flexibility for salaried employees. Experts caution against withdrawing retirement savings prematurely due to lost compounding. Transferring EPF balances is generally better than withdrawing when changing jobs. Withdrawing EPF can impact future Employees' Pension Scheme benefits significantly. Consider genuine needs like permanent relocation or financial hardship before withdrawing.

EPF withdrawals are tax-free after five years of continuous service

The Employees Provident Fund offers retirement security and employer contributions. Mutual funds are voluntary investments with market-linked returns and potential capital gains…