BENGALURU: Everyone stays financially invested in their lives but for how long is the question. Always remember, investing is a judicial mix of your needs, the time period and growth prospects. Every asset or investment option has an ideal time period. If you liquidate your investment before the end of this tenure, you may not be able to get maximum returns according to yahoo.com.

Employees Provident Fund (EPF):

Employee’s provident fund administers a compulsory contributory Provident Fund Scheme, Pension Scheme and an Insurance Scheme. This is a retirement corpus created with a fixed contribution by the employer and employee but this scheme is only available for salaried individuals. The current rate of return from EPF is fixed at 8.75 percent per annum. The invested amount and interest can be claimed when you retire or leave the company. Basically EPF is seen as a retirement plan.

Public Provident Fund (PPF):

The Public Provident Fund is savings-cum-tax-saving instrument in India; the main aim of the scheme is to mobilize small savings by offering an investment with reasonable returns combined with income tax benefits. Here the aim is to provide old-age financial security. Currently, the interest rate on PPF is 8.7 percent per annum. PPF is a long-term plan and its duration for is 15 years but you can withdraw the invested amount only on its maturity.

Public sector bonds (Infrastructure bonds):

Infrastructure bonds are basically long-term tax-saving instruments issued by the government’s authorized entities like LIC, IDFC, IFCI and Non-Banking Financial Companies (NBFC). These bonds are issued to raise money for funding infrastructure projects like roads, railways and airports and channelize savings into the infra sector. Generally these bonds have tenure of 10-15 years. These bonds are also eligible for income tax exemptions under Section 80C of Income Tax Act.

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