Post Office Schemes: Safe Haven for Savers, But Not for Growth Seekers

• Post office schemes offer government-backed safety, predictability, and ease of planning, ideal for conservative savers and those seeking guaranteed income.
• Schemes like SCSS and POMIS provide regular income for retirees, while POTD and RD facilitate fixed returns and disciplined savings.
• NSC and PPF are suitable for long-term conservative planning, offering clear maturity values and tax benefits, though PPF requires patience.
• These schemes are best for retirees and parents saving for defined expenses, providing protection from market volatility and a stable income layer.
• Avoid relying on them for long-term inflation-beating growth or emergency funds due to fixed returns, potential erosion by inflation, and liquidity restrictions.

Why It Matters: Use post office schemes for capital safety and predictable income, not for high growth or liquidity.