Absolutely, yes. There are no provisions restricting individuals from subscribing to the best investment options in NPS and PF. On the other hand, there are provisions in place that legally recognize both the funds and allow the transfer of funds from PF to NPS. Individuals looking forward to planning retirement funds must assess a diverse range of pension fund schemes and opt for the best investment options in NPS based on one’s long-term financial objective and risk appetite. The NPS investment tax benefits are available to the subscriber only after 60 years.