They can be, as the safe, tax efficient corner of a long term portfolio, but they are not a full plan. PPF is a very safe, long lock in, tax free government scheme, useful for guaranteed debt-like returns you will not touch for years. NPS is a low cost retirement product with an equity option and its own tax benefits, but it locks money away until retirement with limits on withdrawal. For a founder whose main risk is already illiquidity, tying up more money for decades is a real trade-off, so size these to complement, not dominate, your liquid investments. Understand the lock ins before you commit, and confirm the current tax treatment for your own case.
A curated summary to orient you, not advice. The resources below are the real value.
3 hand-picked resources, 3 India-specific, 3 link-checked. Pick how you want to dig in.
Why we picked it The India-specific detail on how PPF and NPS work: lock ins, returns, and the tax treatment, so you know what you are committing to before you commit.
From ClearTax by ClearTax
Open cleartax.in →Why we picked it The India detail on NPS: the equity option, the tax benefits, and the withdrawal lock ins, so you know exactly what you are tying up before you commit.
From ClearTax by ClearTax
Open cleartax.in →Why we picked it The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees.
From Zerodha Varsity by Zerodha Varsity
Open zerodha.com →
