PPF Vs NPS: Investing for Retirement

Jul 22, 2024 Toshani Adhikary

Popular investment options in India for a secure financial future are the Public Provident Fund (PPF) and the National Pension System (NPS)

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Both schemes offer distinct benefits and cater to diverse needs. Here's a comparison to help you decide which one suits you best

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Due to its low-risk returns, PPF is an excellent choice for conservative investors looking for stability

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NPS offers the possibility of bigger returns even though it is more risky and dependent on the market

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After certain years, PPF permits loans against the balance and partial withdrawals

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NPS allows partial withdrawals for specific reasons; full withdrawals before retirement are restricted

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PPF has a set term of fifteen years

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Contributions to NPS are accepted up until the age of 60, and can be continued if desired

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