Updated Jan 27, 2021 | 06:04 IST Building an adequate retirement fund requires smart and disciplined investments with a long-term approach. Know between NPS, PPF which is a better retirement saving option for you PPF vs NPS: Know the better retirement saving option for you New Delhi: Building an adequate retirement fund requires smart and disciplined investments with a long-term approach. You should set a clear financial goal in terms of retirement fund value. Factoring in inflation and the cost of living in retirement, chalk out a detailed investment plan and start investing early so that your investments get ample time to grow and meet the target. But when it comes to the choice of investment instruments, people usually stick to low-risk options as they feel they cannot afford to lose anything from their retirement fund.