PPF vs SIP: हर महीने 10,000 निवेश करने को हैं तैयार?

आपके पास 2 बेहद लोकप्रिय ऑप्‍शन हैं. पहला- पब्लिक प्रॉविडेंट फंड (PPF) और दूसरा- सिस्टमैटिक इन्वेस्टमेंट प्लान (SIP)

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हालांकि ये दोनों ऑप्शन अलग-अलग एसेट क्लास से जुड़े हैं

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ब्लिक प्रॉविडेंट फंड (PPF) एकाउंट एक लॉन्ग टर्म सेविंग स्कीम है

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PPF एकाउंट पर मिलने वाले ब्याज की दर सरकार समय-समय पर तय करती है

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सिस्टमैटिक इनवेस्टमेंट प्लान (SIP) को म्यूचुअल फंड्स में निवेश का बेहतर तरीका माना जाता है

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15 साल तक एक बराबर रकम का निवेश करने पर PPF के मुकाबले SIP में कहीं ज्यादा रिटर्न मिलने की उम्मीद रहती है

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लेकिन ये नहीं भूलना चाहिए कि PPF में गारंटीड रिटर्न मिलता है

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जबकि SIP के जरिए इक्विटी निवेश में बाजार से जुड़ा जोखिम मौजूद रहता है

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