The best option is to grow your PF. This is one of the highest interest earning tool. This gives around 8.5% interest. The second good thing is when you are shifting jobs and forget to transfer your PF it still continues to earn the same interest, you jus need to remember you PF number. The bad things are when you decide to withdraw you will have to pay a 30% tax. which erodes a lot of savings you have done. The whole process will take 45 days for you to receive the funds. So, only you transfer and keep acumulating you get all the benefit of cumulative interest at the end of your retirement.
