If you prefer safe investments with guaranteed returns, Employees’ Provident Fund (EPF), Voluntary Provident Fund (VPF), and Public Provident Fund (PPF) are among the best options. All three schemes are government-backed and are designed to help you build a strong retirement fund. Here’s a simple comparison of EPF, VPF, and PPF, along with their benefits and who should choose them. AdvertisementWhat Are EPF, VPF and PPF? EPF (Employees’ Provident Fund)EPF is a mandatory retirement savings scheme for employees working in companies covered under the EPFO (generally establishments with 20 or more employees).