The interest rate hike of EPF from 8.1% to 8.15% is in the interest of subscribers, although it is not substantial. Depending on the balance, subscribers will receive an extra rate of interest. However, EPF should not be the only investment instrument, and diversification of portfolio is essential. Comparatively, the interest rate is reasonable, but investing in NPS or mutual funds may help accumulate wealth as they have potential to deliver higher returns.