Freelancers and delivery workers have the option to utilize the National Pension System (NPS) to accumulate retirement savings, even without the requirement of set monthly deposits. They are free to establish a manageable minimum contribution, increase payments during periods of higher earnings, and maintain their emergency savings independently. Furthermore, the NPS allows these individuals to select their preferred pension fund managers and distribute their investments among equity, corporate bonds, and government securities according to their personal risk tolerance.

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