Child's PPF: Emotional Appeal vs. Financial Reality for Parents

• A child's PPF is often opened for emotional satisfaction rather than sound financial logic.
• It offers no extra tax benefit; parent and child PPF contributions share a single annual limit.
• PPF returns may not keep pace with high education inflation, potentially falling short of long-term goals.
• A parent's single PPF combined with equity/debt investments is often more effective for growth and flexibility.
• A child's PPF may suit families who already maximize their own PPF and seek an additional risk-free, "do not touch" savings vehicle.

Why It Matters: It helps parents optimize child savings for better future financial growth.