New Delhi, Oct. 1 -- Retirement can seem too far away to prioritise in your 20s, while by the mid-30s, home loans, children's education and other financial commitments often compete for attention. But the age at which a person starts saving can materially change the amount they need to put aside for retirement.

A 25-year-old has more time to ride out market volatility and benefit from compounding, while someone starting at 40 has a shorter accumulation period and may need to contribute more to target the same retirement corpus.

As India observes NPS Diwas on 1 October, experts explain how investors at different stages of life can approach the National Pension System and how it should fit alongside EPF, PPF and mutual funds.

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