The Employees' Provident Fund (EPF) is a retirement savings scheme designed to provide financial security to employees in their post-retirement years. It is a mandatory program in many countries, where both employers and employees contribute a percentage of the employee's salary to the fund. The accumulated savings can be accessed upon retirement or under specific circumstances, such as disability or job loss. The EPF is managed by a government body, ensuring that the funds are invested wisely to generate returns. This scheme not only helps employees save for retirement but also encourages long-term financial planning and stability, contributing to overall economic growth.