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Sagar Anantwar

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SimpliFin • 2m

Do you invest all your savings into Fixed Deposits? Big mistake, read more Fixed Deposits (FDs) have been a staple of Indian households for decades, but how do they fit into a modern investment portfolio? Let’s break it down: 🔹 Not a Growth Asset FDs are not for high growth. They provide a fixed return but rarely beat inflation. FDs are designed to preserve wealth, not grow it aggressively. 🔹 Beating Inflation? Hardly Even with some FDs offering 9.1% p.a., post-tax returns fall to 6-7%, often below inflation. This means your real wealth might not increase over time. 🔹 Liquidity and Safety FDs are safe and provide better returns than savings accounts. They’re perfect for emergency funds or short-term goals where stability and access are key. 🔹 Every Investor Needs Stability FDs offer peace of mind during market volatility. While they won’t drive growth, they are essential for emergencies and financial stability. So, definitely invest in FDs, but keep in mind their purpose.

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