The Economic Times

Rs 1,800 EPF vs 12% of basic pay: Choosing Rs 1,800 monthly contribution can increase your in-hand salary, but is it worth?

Employees face a choice between higher immediate income and a larger retirement fund. Reducing EPF contributions increases take-home pay but lowers future savings. Investing saved amounts in equities may offer higher returns over time. A disciplined approach to investing is crucial for long-term financial success. The decision depends on individual financial goals and risk tolerance.