Employed individuals have a variety of contribution plans including Employee Provident Fund with employer contribution. There is also voluntary PF without employer contribution. The Public Provident Fund is another option which attracts a fixed interest on amount invested each year. The National Pension Scheme from the government is another retirement planning option, compulsory for government employees and optional for privately employed. Other investment options are equities, Exchange Traded Funds, Bonds, monthly income schemes, SCSS, Pension plans, liquid funds and FDs.