PPF vs NPS: Know where to invest is a profitable, expert opinion

Public Investment Fund (PPF) and National Pension Scheme (NPS) are two such investment schemes where a large number of people invest their money. The Public Futures Fund is a long-term investment. This investment is for people who want to take less risk. But the National Pension Scheme is a risk-based investment. Like PPF, NPS is not a complete risk-free project.

According to experts, you are better off investing in PPF if you do not want to take the risk, but if you are able to take the risk then you are better off investing in NPS.

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What is confusion

Says Manikkaran Singhal, founder of Good MoneyGet.com: “Both investments are at our discretion. Both are long-term investment schemes. Although PPF’s interest rate is fixed, the NPS is completely market dependent. An additional tax exemption of Rs 50,000 is available under the 80 CCD rule, so if an investor can take more risk, they should invest in NPS.

Where to get the best returns

Says Karthik, Wealth Management Manager, “If investors choose the 50:50 option, one can expect a 12% return on equity and 8% on deposits in the long run. 2.9% are likely to receive higher returns.

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