Public Provident Fund vs Postal Life Insurance?

Which one would be more profitable as a long-term investment plan for 25 years. if one invests same amount of yearly premium of PLI into PPF, will it yield more maturity amount than that of PLI? (25 years duration)Public Provident Fund vs Postal Life Insurance?
Go for PPF.
Please understand the difference between the two. You are trying to compare oranges with apples.



PPF is for providing provident fund like benefits to all the investors. And PLI is purely an insurance scheme. Both the instruments and schemes are very different than each other.



Insurance is basically taken to provide for all the lifestyle expenses when you are no more there and still your family will continue to lead the same lifestyle. They won't face financial difficulties even if you are not there.



Provident Fund is actully a lumpsum amount you get when you reach retirement age.Public Provident Fund vs Postal Life Insurance?
No insurance policy will make you rich.



Insurance is an expense , not an avenue for investment.



PPF is a better investment. Treat it like a pension plan.



Never close your PPF a/c. Keep extending in 5 year blocks after initial 15 years.



After retirement , enjoy the interest earned yearly by withdrawing every year. It is tax free pension for that financial year. Keep the account alive by paying RS 500 every year.



The account will be closed by your nominee .after you have gone.
How does one compare investment with insurance? Even the purpose of each is different.



PPF has fixed rate of return whereas insurance returns are not assured and are defenitely less.



Only if you die early in the term and your survivors get the SA, then insurance is certainly profitable for them.



HMTPublic Provident Fund vs Postal Life Insurance?
Public Provident Fund
Undoubtedly PPF

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