“Put your money in FDs, they’re safe” — sound familiar? We’ve heard this advice since childhood. But are Fixed Deposits really safe… or just appear to be? 🤔 Let’s break it down 💼 You invest ₹10 lakhs in an FD at 7.5% interest 📈 You earn ₹75,000 per year 📉 If you're in the 30% tax bracket, you pay ₹23,400 in tax ✅ What you're left with: ₹51,600 ➡️ Effective return = 5.16% Now assume inflation is at 7% 💣 Real return = -1.84% So, is your money growing? Not really. It's actually losing value every year. FDs might feel "safe", but they don’t protect your purchasing power. Safety that fails to beat inflation… is not safety at all. 🔑 Key Takeaways: 1. FDs are taxed at your income slab 2. Returns often don’t beat inflation 3. Real value of your money erodes 4. You need smarter, tax-efficient, inflation-beating investments 💬 A good advisor won’t just protect your money — they’ll help it grow. Talk to Enrichwise and invest the wise way. Call us at 98218 60804, 96533 87088, or 83694 18292, or visit us at 5th Floor, Bellona, The Walk, Hiranandani Estate, Thane (W) 400 607 Disclaimer: Enrichwise is an AMFI registered MFD. This content is for informational purposes only and does not constitute financial or investment advice.