3. Don't Dip into Corpus Before You Retire

It might come as a surprise but each time you hop from one job to another, your retirement plan suffers immensely. This is so because you can withdraw your EPF from your previous to your current job. You are also given the option of using your PF for personal causes, like – kid’s marriage, getting a new home or even medical reasons. However, getting your hands on PF before you retire is not a good idea as you lose out on interest. It might seem like a small number but over the years, it can amount to a handsome sum. Even though taking money from EPF within 5 years of joining a job is taxable, this does not deter people. Instead of withdrawing your PF, you can fill out 'Form 13' and hand it over to your employer.