FD vs PPF vs Mutual Funds — choosing for your needs
Different instruments serve different goals. Fixed Deposits give capital protection and predictable returns. PPF offers tax benefits with long lock-in, while mutual funds deliver higher potential returns with market risk. We show use cases and example portfolios.
Comparisons
Consider liquidity, tax impact and your time horizon. For short-term goals use FDs or liquid funds. For retirement or long-term growth, a mix of equity mutual funds and PPF/ELSS may work.