Personal Finance EPF vs VPS vs PPF vs NPS: Which is a better investment avenue for retirement purpose? Updated : September 10, 2020 08:58 PM IST Employees’ Provident Fund (EPF), Public Provident Fund (PPF), Voluntary Provident Fund (VPF) and National Pension System (NPS) are some of the investment avenues available for retirement purpose. Most of these schemes are long-term deposit plans and reap huge benefits. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.