DC Edit | EPF: Better safe and steady
The rate of return from the social security fund of the Employees’ Provident Fund Organisation has nosedived to 8.1 per cent, the lowest since an eight per cent return in 1977-78. Debt market investments, while ideally steady, cannot offer much more than bank interest rates, which are, however, likely to rise marginally once RBI’s growth-oriented accommodative stance changes to deal with inflation. It is moot whether provident funds will remain the ideal savings instrument for retirement when several other equity-market based avenues are more freely available from India’s insurance and finance market investment players these days. However, there is no denying that the equity markets in the long run give better returns than bank deposits and the pension fund can continue to do its best in a combination investment of government securities, bonds and ETFs.
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