Everyone seems to have an opinion on Fixed Deposits. Some influencers say you should avoid them completely, while others swear by their safety. With interest rates constantly changing, what's the right move for 2025?
Are FDs still a relevant tool for building wealth, or are they a guaranteed way to lose money to inflation?
In this episode, we break down the current state of FDs, discuss when you should absolutely use them, and when you should look for alternatives. We'll also cover a powerful "laddering" technique to maximize your returns and manage risk.
Listen to the full audio to get a clear strategy for your money.
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You can watch the full video version here:
In this episode, we discuss:
[02:31] The Current Situation: Why FD and savings account interest rates are at an all-time low and what it means for your money.
[04:27] Should You Invest in FDs? The surprising answer and why FDs are terrible for one specific goal: wealth creation.
[06:53] The Hidden Killers: Understanding the real impact of medical, education, and lifestyle inflation on your returns.
[07:37] The Right Time to Use FDs: We explore the three ideal scenarios for using Fixed Deposits, including for your emergency fund and for retirement planning.
[10:36] What are Sweep-in FDs? A simple trick to earn higher interest on the money lying in your savings account.
[13:05] The Laddering Technique: A step-by-step guide to a powerful strategy that gives you liquidity and helps manage interest rate risk.
[13:50] The Big Risk: Why you should be very cautious about FDs offering unusually high interest rates from small finance banks.
[17:04] Is Your Money Safe? Understanding the ₹5 lakh DICGC insurance and why it might not be enough in an emergency.
[21:03] Smart Alternatives to FDs: Exploring debt mutual funds and why Arbitrage Funds are a tax-efficient choice for parking your money for the short term.
[24:31] Final Summary: Key takeaways and a clear action plan for FD investors in 2025.
Jai Hind! Stay focused, stay disciplined, and keep learning. All the best. God bless you!
❤️ Neeraj Arora
और हाँ, सीखते रहें, क्यूँकि सीखना शुरू तो जीतना शुरू 🚀
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