The total amount of gratuity, I think no, unless the investment is a very low rate risk (and unless having studied the markets and environments, because we know during times such the current years, even the most low risk investments are facing losses of money). We must remember as we become more and more older, our needs increase too. And we can't jeopardise money into risky investments. In my opinion, a percentage of pension is better to invest (little by little investments).