MagicalSushi
Do you withdraw from PF?
What % of growth does PF provide to the fund? I'm thinking of moving it to a mutual fund. Good idea?
15mo ago
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Curated from across
What % of growth does PF provide to the fund? I'm thinking of moving it to a mutual fund. Good idea?
Bad idea. Don't mix up asset allocation in the chase for higher returns.
EPF is EEE (the last E has been modified slightly now for interest above 2.5L). Exempt - Exempt - Exempt.
Still a kickass fixed income instrument with no substitute in India. If you can afford it you should top-up with the VPF too (within limits of your chosen asset allocation mix).
Better to transfer debt allocation to PPF, debt funds than in EPF. You had mentioned labour ministry issues with epf before.
EPF has transparency and logistics problems. My interest hasn't been credited since 2021 March, transfer is stuck since 3y. If EPF has 10L+, better to transfer it to something manageable.
As much as I hate the EPF, its the only viable EEE instrument with no caps.
Keep your PF, it’s tax exempt and gives amazing returns ~ 8.15%
Read about asset allocation. Equity and debt both are required