How PPF can be a smart choice for some retirees

Your Public Provident Fund (PPF) can work hard and earn money for you even during retirement. So, it would be better if you don't pull out your PPF money either after its maturity or in your retirement years. We give you three reasons why: 1. Need a balanced portfolio A good retirement portfolio needs both growth and stability. For growth, consider investing in equity. Even retirees need some portion of their money to be in equity. It will ensure you don't run the risk of eventually eating into your corpus. That said, not all your money should be subject to market swings. For stability, you need a fixed income. These investments preserve capital and provide predictable returns. This is where PPF can continue to be a powerful tool, offering a balance of safety, steady returns and tax efficiency even after maturity. 2. PPF can work for you even after maturity When your PPF matures, you don't have to withdraw the entire amount immediately

This article was originally published on January 16, 2025.