EPF & ETF: your retirement savings explained

If you're a private-sector employee in Sri Lanka, part of your salary goes into two funds:

• EPF (Employees' Provident Fund) — employee 8% + employer 12% of salary.
• ETF (Employees' Trust Fund) — employer 3%.

These build a retirement nest egg that earns annual interest. You can typically withdraw at retirement or under specific conditions. Check your member balance periodically.