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
Age - 33 YOE - ~ 10 years in Marketing
Zero exposure to US stocks. Zero exposure to Crypto. Have a house (~45 lacs) for parents in a Tier 2 city which I haven’t added here. No liabilities (finished an education loan and a home loan)
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I am going to withdraw my PF as it has been lying idle since 2019. Looking to invest it for Kids aged 5 and 2
One of my relatives wanted to invest in SiPs.
Asked my help coz am into direct stocks buying and USA market also. ( Made 10x in last 8y)
So, i checked his phone and got only Paytm and phonepe through which I could have subscribed s...
Hello community, I have 5 YOE Current CTC: 25 Lpa Working with MNC in bangalore, unmarried Apart from this i have 7Lkhs of Auto loan left which was of 4 years, I don’t wish to prepay that.
Do you have any suggestions if I want to qui...
