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?
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).
Kendall Lee
Stealth
a year ago
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.
Dezi Taye
Stealth
a year ago
Read about asset allocation. Equity and debt both are required
Coy Lee
Stealth
a year ago
Keep your PF, it’s tax exempt and gives amazing returns ~ 8.15%
