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I am 59 and retired, I have not withdrawn my PF amount, will it attract existing interest on my PF amount? - Anonymous
After retirement, if there are no contributions made into your PF account for three consecutive years, the account becomes inoperative. Once the account becomes inoperative, you will stop earning interest on it as well.
PF withdrawal and taxation
When you retire, you have the option to withdraw the balance outstanding in your provident fund account, which is tax-free if you have rendered more than five years of continuous service. However, if you choose not to withdraw and keep the balance in your account, it's essential to note that the interest earned on the balance will be subject to tax.
Therefore, it's advisable to withdraw the PF balance and invest it based on your goals and needs.
Investment options
Our analysts recommend investing in funds based on your investment horizon. You can refer to our recommended funds to make an informed decision about where to invest your PF balance.
Suggested read: Is PF withdrawal taxable?
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