PPF vs NPS: The Cost of Safety

Sticking to the so-called safest investment option could cost you over 1.7 crore rupees

in lost wealth. Everyone thinks PPF is the holy grail because it is guaranteed,

but inflation is silently killing your returns. Here is the math that hurts.

If you invest twelve thousand a month for thirty years in PPF, you end up with

about 1.8 crore. Put that same cash into NPS with market-linked growth, and you are looking

at 3.5 crore. That is double the money just by switching vehicles. If you are under

forty, stop being scared of the market. Go heavy on NPS for growth and keep

PPF for backup. Future you is begging you to stop procrastinating.