{"id":1530,"date":"2024-04-23T12:07:15","date_gmt":"2024-04-23T12:07:15","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=1530"},"modified":"2026-03-02T19:25:10","modified_gmt":"2026-03-02T19:25:10","slug":"what-is-the-point-of-having-my-pf-amount-which-is-getting-less-interest-is-it-wise-to-take-50-to-80-from-there-and-invest-in-mutual-fund-and-stock-market","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/23\/what-is-the-point-of-having-my-pf-amount-which-is-getting-less-interest-is-it-wise-to-take-50-to-80-from-there-and-invest-in-mutual-fund-and-stock-market\/","title":{"rendered":"What is the point of having my PF amount which is getting less interest? Is it wise to take 50 to 80% from there and invest in mutual fund and stock market?"},"content":{"rendered":"\n<p>It is not wise to make abrupt investments based on recent returns from other options available. While PF may give lesser interest, it is a super safe product (though higher lock in). PF can be part of your long term \u2018safe\u2019 portfolio, while equity mutual funds can give higher returns over the long run.<\/p>\n\n\n\n<p>It is advisable to distribute your investments as per your&nbsp;<a href=\"https:\/\/jama.co.in\/app\/accounts\/signup\/?next=%2Fapp%2Fias&amp;next=%2Fapp%2Fias&amp;utm_source=quora&amp;utm_medium=ans\" target=\"_blank\" rel=\"noreferrer noopener\">risk profile<\/a>&nbsp;and ensure that you periodically rebalance them to have steady growth. It also ensures adequate liquidity to meet your life goals and needs.<\/p>\n\n\n<!-- mw-cta-block -->\n\n<div class=\"mw-cta-block\" style=\"background:#EEF3FC;border-left:5px solid #1C52A0;padding:22px 26px 20px;margin:36px 0 24px;border-radius:0 10px 10px 0;\">\n  <p style=\"margin:0 0 4px;font-size:11px;font-weight:700;color:#276FC4;letter-spacing:1px;text-transform:uppercase;\">Maxiom Wealth \u2014 Free Tool<\/p>\n  <h3 style=\"margin:0 0 10px;font-size:19px;font-weight:700;color:#113E81;line-height:1.3;\">Is Your Mutual Fund Working Hard Enough?<\/h3>\n  <p style=\"margin:0 0 18px;color:#444;font-size:15px;line-height:1.65;\">Two funds with similar star ratings can deliver very different outcomes. Use our fund comparison tool to check if you&#8217;re in the right scheme for your risk profile and investment horizon.<\/p>\n  <a href=\"https:\/\/maxiomwealth.com\/resources\/calculators\/better-funds-checker\" style=\"display:inline-block;background:#1C52A0;color:#fff!important;padding:11px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin:0 10px 8px 0;\">Compare Funds \u2192<\/a>\n  <a href=\"https:\/\/maxiomwealth.com\/meeting\" style=\"display:inline-block;border:2px solid #1C52A0;color:#1C52A0!important;padding:9px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin-bottom:8px;\">Talk to a Financial Advisor<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>It is not wise to make abrupt investments based on recent returns from other options available. While PF may give lesser interest, it is a super safe product (though higher lock in). PF can be part of your long term \u2018safe\u2019 portfolio, while equity mutual funds can give higher returns over the long run. It&hellip;&nbsp;<a href=\"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/23\/what-is-the-point-of-having-my-pf-amount-which-is-getting-less-interest-is-it-wise-to-take-50-to-80-from-there-and-invest-in-mutual-fund-and-stock-market\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">What is the point of having my PF amount which is getting less interest? Is it wise to take 50 to 80% from there and invest in mutual fund and stock market?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[179,38],"tags":[],"class_list":["post-1530","post","type-post","status-publish","format-standard","hentry","category-fund-selection","category-mutual-funds"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=1530"}],"version-history":[{"count":1,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1530\/revisions"}],"predecessor-version":[{"id":3463,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1530\/revisions\/3463"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=1530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=1530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=1530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}