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PPF After budget 2014

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The PPF can be a good option. This year's Budget has raised the annual investment limit in the PPF to `1.5 lakh. Investors who have already put `1 lakh in PPF this year can put the additional `50,000 once it is notified by the government. Investors should take advantage even if the Section 80C limit is exhausted because no other instrument gives 8.7% tax-free returns now. The PPF rate is linked to the government bond rate and may go up or down in future. Younger investors get put off by the PPF because of its long tenure of 15 years. They should start with small amounts now and keep increasing their investments.

Despite the hike in the PPF investment limit, some investors will find that `1.5 lakh a year is too low a ceiling. For them, the Voluntary Provident Fund is a good option. Salaried taxpayers covered by the Employee Provident Fund can put more than the mandatory 12% of their basic salary that flows into their PF account every month. Though employers won't match this additional contribution to the VPF, it still is a good way to save for the long term. The VPF money is added to your EPF account and enjoys the same rate of return and tax treatment. Unlike the PPF, there is no annual cap on the VPF.

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