Hello forum, this is shahid/m/35... A central govt employee under old pension scheme. I want to invest around 10,000 pm in mf through sip for long term not less than 10 yrs, and 7000 pm in vpf, apart from regular pf..the purpose of vpf is tax saving with guaranteed returns. Now, returns + tax saving through vpf is better or should i invest all money in mf? Please help. Also, please tell me how much return/ cagr i should expect in 15 years. Thanks a lot.