:
India:-
UAE :-

:

–

************************************

00:00 Introduction
03:33 First Reason
08:12 Second Reason
10:26 Third Reason

************************************

Are you considering placing your retirement savings in Bank Fixed Deposits (FDs)? It’s essential to rethink your investment strategy! In this enlightening video, we delve into three key reasons why investing your retirement corpus in Bank FDs may not be in your best interest.

Inadequate Inflation Protection:
Discover why your investments may not keep pace with rising expenses in the future. We’ll explain how inflation can erode the real value of your money, making it vital to explore investment avenues that offer better protection against this financial adversary.

Limited Capital Appreciation:
Bank FDs typically provide fixed returns, which means you miss out on the potential for capital appreciation. We’ll break down how other investment options can potentially grow your wealth over time, offering a brighter financial future.

Tax Implications on Interest Income:
One often overlooked aspect of Bank FDs is the tax impact. Interest earned from Bank FDs is added to your income and may increase your tax liability. We’ll shed light on the tax consequences of this interest income and suggest strategies to optimize your returns.

Don’t jeopardize your retirement security by overlooking these crucial considerations. Watch this video to grasp why Bank FDs may not be the best choice for your retirement corpus and explore alternative investment options that can better meet your financial goals. Make sure to like, subscribe, and share this video with those who need to make informed decisions about their retirement savings. Your financial future deserves a well-thought-out strategy!

mutual funds, sip, mutual funds for beginners, Malayalam, best mutual funds to invest in 2023, best sip funds, sip for nri, best funds for nri, parag parikh flexi cap fund, nippon india mutual fund, nippon india small cap fund, axis bluechip fund, sip investment, coin zerodha, elss, sbi focused equity fund, mutual fund investment, balanced advantage fund, nippon india growth fund, top 10 mutual funds for sip, best mutual fund to invest, canara robeco, money management, wealth creation, how to become a cropathi, money talk with nikhil, sharique samsudheen, diaz invest, Diaz Academy, financial planning, best mutual fund advisor kerala, mutual funds for beginners, direct plan vs regular plan, tata ethical mutual funds in india, etc funds, why mutual fund Malayalam, Vineesh Rohini, njan arun, vyshaka vijay, groww app malayalam, et money, inflation rate, make money online, best investment for 2023 india, best investment plan malayalam, sip for nri, thommichan tips, Primson Diaz, money tips, bank fd vs mutual funds, money management malayalam, finance, stock market, investing, share market, investment, how to invest in mutual funds #FinancialFreedom #GulfMalayalees #InvestingWisely #FinancialAdvisor #SecureYourFuture #MoneyMatters #SubscribeNow…(read more)

LEARN ABOUT: Investing During Inflation

REVEALED: Best Investment During Inflation

HOW TO INVEST IN GOLD: Gold IRA Investing

HOW TO INVEST IN SILVER: Silver IRA Investing

RETIREMENT CORPUS Deposited in BANKS Has Negative Returns!? 😲😲 | Risk In Bank Fixed Deposits (FDs) – E226

In recent years, individuals have become increasingly conscious about their retirement planning, seeking ways to secure a comfortable life even after exiting the workforce. One such popular option is investing in fixed deposits (FDs) offered by banks. In India, banking institutions play a significant role in providing financial security to a large segment of the population. However, recent developments have raised concerns about placing one’s retirement corpus in bank FDs.

RETIREMENT CORPUS refers to the hefty sum of money accumulated and set aside to support a retiree’s financial needs during their non-working years. Many individuals rely on this corpus as their primary source of income when they retire. Hence, it is crucial for this fund to generate stable returns while keeping the invested amount safe.

Traditionally, bank FDs have been considered a safe and convenient investment avenue for retirement planning. They offer a fixed interest rate for a predetermined period, ensuring a steady income flow. Nonetheless, in today’s economic landscape, the attractive features of bank FDs may not be sufficient to secure the retirement corpus.

The recent turmoil in the global financial market and the economic impact of the ongoing pandemic have exposed the vulnerability of bank FDs. One significant concern is the erosion of the real value of the corpus due to inflation. Inflation erodes the purchasing power of money over time, and if the interest rate offered by the bank fails to keep up with inflation, the corpus loses its value in real terms.

Another risk associated with bank FDs is the possibility of negative real returns. Often, the interest rates offered by banks are lower than the inflation rate, meaning the returns earned on the investment do not match or exceed the rate at which the cost of living is increasing. In such cases, the retirement corpus effectively diminishes in value, making it challenging for retirees to maintain their desired standard of living.

Additionally, bank FDs face the risk of default. Although rare, there have been instances of banks facing financial distress and being unable to honor their depositors’ obligations. In such scenarios, deposit insurance provided by government-backed agencies safeguards a specified limit of the deposit amount. However, if the retirement corpus exceeds this limit, a significant portion may remain at risk.

Considering these risks, individuals planning for their retirement need to explore alternative investment options that offer a higher potential for returns without compromising the safety of their corpus. Diversifying the portfolio with a mix of investments might help mitigate the negative impact of inflation and low returns offered by bank FDs.

One viable option for retirement planning is investing in equity-linked savings schemes (ELSS) or mutual funds. ELSS funds allocate a portion of the investment in the equity market, which has historically yielded higher returns. However, it is crucial to assess one’s risk appetite and consult a financial advisor to ensure the chosen scheme aligns with the individual’s goals.

Investing in government-backed savings schemes, such as the Public Provident Fund (PPF) and National Pension Scheme (NPS), can also be advantageous. These schemes offer tax benefits and relatively better returns compared to traditional bank FDs. However, they come with longer lock-in periods and specific withdrawal restrictions that need to be considered.

In conclusion, while bank FDs were once the go-to option for securing one’s retirement corpus, the changing economic landscape necessitates a reevaluation of investment strategies. The paradigm has shifted, and individuals need to seek alternative avenues that can generate higher returns while safeguarding their hard-earned savings. By diversifying investments and exploring different financial instruments, retirees can better secure their financial future and maintain the desired standard of living even after exiting the workforce.