@torahman I'd say the opposite. I am a cynical mf and I believe India will always be corrupt so I put most of my life savings in Adani and Reliance after ~2017 and my portfolio is greener than Goa in monsoon.
I know the conventional wisdom is that you should keep using these retirement planning instruments, but at this point my retirement savings are spread over EPF, PPF, NPS, ULIP, and MFs. I'm pretty sure there is almost no benefit to spreading things out like this if you're going to be on the new...