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News India Live, Digital Desk: Whenever it comes to saving money and increasing it, one question arises in the mind of all of us, brother, where to invest the money? In our country, two options are most popular. The first is the trusted and government PPF, which our fathers and grandfathers always recommend. And the second is the ‘cool’ option of today, SIP (Mutual Funds), which is on the lips of every youth. Often we get confused between these two as to which one is more beneficial. If you are also in the same dilemma, then let us understand in simple language which of SIP and PPF can make you rich and which one you should go with. 1. PPF: Guarantee of peace and security (Public Provident Fund) First of all let’s talk about Public Provident Fund i.e. Security: If you are a person who is afraid of risk and wants PPF is your best friend so that you don’t lose any money. It is completely government owned and safe. At present the interest on it is fixed, that is, you know how much you will get. Tax and lock-in: You get tax exemption on investing in it and the interesting thing is that the entire amount received on maturity is also tax free. 2. SIP: There is no risk but ‘Reward’. Now let’s talk about SIP, which is to the market. The interest rate in SIP is not fixed. But if we look at the history of the last 10-15 years, it has given an average return of 12% to 15%. The magic of compounding. (Compound interest) has the potential to make you a millionaire in the long run. Risk Factor: If the market goes down, the returns can be low. But if you play for a long time (5-10 years), then the fear of loss is very less. Let us understand it with an example, Like a tortoise. But if you choose SIP, your money can run like a rabbit, only the path can be bumpy (Market volatility). Choose PPF: If you want a completely safe fund for your daughter’s marriage, children’s education or retirement. Choose SIP: If you are young, can take some risk and want to build a huge wealth in 10-15 years. Our suggestion (Expert Tip) is that you Keep a balance of both in your portfolio. Invest one part in PPF for safety and one part in SIP to earn big profits. After all, never keep your eggs in one basket!