u/krishkanthkk

Hey all!

I'm 35M

My current EPF holdings is 21L. Current contribution to EPF is 52K/month (26K employee+26K employer). With some hike in salary expected this month, this may become 60K/month.

Somehow company now gave option to choose between fixed (1800) vs 12% because of the new Govt changes on basic pay.

Would love to get perspective from members on what's the best option here considering taxes for my contribution threshold, withdrawal possibilities during later years.

I currently don't have the need to withdraw and content with the interest rate for what is assumed to be a "safe" investment but always skeptical about Government holding big value. What do?!