Mutual funds SIP is better than PPF?

Mutual funds and PPF, both are totally two different options for investment. The nature of both investments is different from one another. PPF investment is risk-free, but the returns are very less when compared to Mutual Funds. Whereas Mutual Funds can give 8 to18% returns, sometimes the investment may go down also. 

The advantage of Mutual Funds is, the investor can increase, decrease, stop, pause or withdraw the investment at any point of time. PPF investment has many restrictions and the investment is blocked till 15 years. To withdraw full investment, 15 years need to be completed.

Under PPF, in case of emergency, partial withdrawal is allowed but the rate of interest is stable and less when compared to Mutual Funds. There is an element of risk in the Mutual Funds investment but over a period of time, they would give the best returns. 

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