u/DozeDozerDozest

So far I thought my monthly EPF deduction was 35k. I came across this subreddit today and saw so many people venting about EPFO. So, decided to check the site and was shocked to see it was 35k + 35k contribution per month.

If I have no need for that money immediately, is it a bad idea to leave it as it is? Or, should I request my company to reduce the EPF contribution to bare minimum i.e 1800, if possible?

I can think of this as my debt component. I already do monthly SIPs into Equity index funds and arbitrage funds, but no debt funds due to taxation at slab. This can act as my debt component if it's not risky to leave it as it is.

Thinking about buying a 2BHK in electronic city phase 1 from a tier two builder. It’s in a great location, but it is 10 years old. I’m thinking about buying it now and selling it after 10 years to upgrade to a 3bhk at that point.

My question is, would it become an impossible task to sell this 2BHK when the society is 20 years old?

I visited Assetz Ren and Rei today.

I liked their layout and pricing. The only issue is the locality. The Rayasandra main road is not much developed.

I do see new societies coming up here, but the roads are narrow and commercial and establishments are negligible.

Will it get developed? Even if it does, will it become congested like Kasavanahalli, off Sarjapur Road?

Thanks