EPF proceeds are best to withdraw if you now choose to be self-employed and not be in job anymore. Plus there are taxation implications on the interest component earned as and we hen you leave the job. So, in case you are pretty sure that for some couple of years, you will not be in need of these EPF funds and instead look to invest. Here is suggested the best way forward:

And more so the idea to invest and take the whole show aggressively will all the more be in your court if you are in your early years of career and wish to make a fortune out of it. This is because barring the 15% investible deposits of EPF funds which are being only recently put to stocks. More or less the EPF account is a fixed income bearing instrument.

But the government through its various measures is trying to increase its attractiveness as in the recent case where govt. shall be allowing EPFO subscribers to increase or decrease their bet in stocks over and above the mandated limit of 15%. And to be pointed herein the investment in such ETFs is not very transparent for the subscriber to account for as it does not come with daily NAV.

So, now the question that lies before you, how to best and smartly invest your EPF funds:

If experts suggestion are to go by you can spread your EPF investment between 12-18 months time to make the most out of your investments. And avoid any lump-sum bets even in conservative instruments as the interest rate scenario is likely to take a turn.

When talking about the plan or investment instrument, you can either opt for a growth option in monthly income plans or invest in a equity income fund depending on your risk profile and financial goals.

The above steps are suggested taking in light of the fact that you don't need these fund for quiet a long tenure.

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