@Reema said in Should I prioritize PPF over immediate liquidity needs?:
Starting a PPF early can benefit you due to compounding and tax-free returns. However, if you're a young earner, you also want to keep some cash on hand for emergencies and skills training. The best move is to find a balance. You can allocate some money to a PPF for growth, but keep some funds in easily accessible savings or short-term options to secure your future. This way, you can ensure a secure future while still being covered for immediate needs.
I'm worried about locking too much into my PPF. Since that money is tied up for years, will I miss out on opportunities to upskill or handle emergencies? Should I consider a mix of liquid and market-linked funds instead?