Provident Fund (PF) may not be flashy, but for high-income earners, it beats equity more often than not—especially after taxes, says finfluencer Sharan Hegde, in a X thread breaking down why maxing out PF contributions is one of the smartest debt moves you can make.

Hegde, known for simplifying personal finance for young professionals, compared two hypothetical earners with ₹1 lakh monthly basic salaries—one choosing to max out PF contributions, the other opting for post-tax equity investing. Advertisement

“YOU” (max PF route) contributes ₹12,000 monthly, matched by a ₹12,000 employer contribution—both tax-free—adding up to ₹24,000 in risk-free monthly investments.

“FRIEND” (equity route) invests ₹20,256 a month post 30% tax, needing 12% annual returns just to match PF’s performance. A

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