EPF vs Equities: Key Factors to Consider for Your Retirement Portfolio

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The Employees' Provident Fund (EPF) can serve as the stable, debt-oriented component of a retirement portfolio. For the financial year 2025-26, an interest rate of 8.25% has been recommended for EPF accounts. Investors planning for retirement must weigh the safety of EPF against the growth potential of equities. Understanding the role each asset class plays is essential before building a balanced retirement strategy.

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