If your investment strategies is to dash off to Bank ( Public & Private ) and keep your money in Fixed Deposits. There is nothing wrong with FDs. They are time tested,Safe and in the current interest rate scenario,also attractive. However, if your aim is to create wealth to achieve short term & long term financial goals ( a grand marriage celebration, a vacation abroad, retirement and so on). FDs lag behind other forms of investment.
Although banks may appear to offer attractive interest rates on FDs, the fact is that they often fail to keep up with inflation.
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