The article discusses using a calculator to determine whether to stay invested in the National Pension Scheme or switch to the Unified Pension Scheme. Factors such as future NPS corpus, inflation indexation, and other investments are important in making this decision. The calculator is based on projections and should be used with caution. Additional thumb rules for deciding between UPS and NPS will be published soon. The article also provides information on passive income, financial planning, and investment advice.