the pf funds r mismanaged right now but same due to govt guarantee yes sensibly speaking govt should invest funds in the market if the pf ac holder allows or better still the govt shd build a 401k type system like in usa. but not with this market which is at an all time high and probably overvalued and how do you guarantee that there will be no political intervention, or lobby for their business croonies, remember pronab mukharjee and the reliance scam in uti and then the historical mismanagement of uti 64, which was a trust fund and the managers were never held accountible to the investors but to ministers.
