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EPFO Video Pits EPF Against Stock Market for Retirement Security
The EPFO's YouTube video argues that EPF's guaranteed returns and employer contributions make it a safer retirement bet than stock market investment.
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The Employees' Provident Fund Organisation used its official YouTube channel to argue that the pension scheme offers better long-term security than equity investing. The video, published this week, walks through the structural advantages of the mandatory savings plan.
EPF is a statutory scheme for employees earning up to ₹15,000 a month in covered establishments. Members cannot withdraw funds to invest in stocks or other market instruments. The video contrasts that with the voluntary, risk-bearing nature of the stock market.
A key point is employer contribution. Both employee and employer put in 12% of wages each month, the EPFO said. Stock market investments carry no such matching. The fund also earns a government-set interest rate, while stock returns fluctuate and are not guaranteed.