As the plan has an option of 4 switchings of funds in a year, can you guide me as to what factors should be looked out while switching funds?
My age is in 20s and I have an additional surplus of Rs. 1,00,000, current income Rs. 4,00,000 p.a. and personal expense comes up to Rs. 1,30,000 p.a. as I am living with my family.
Thinking of retirement, should I select a pension plan or increase my EPF? How should I invest in a pension plan? Please elaborate.