By Yogesh S. Pandey — Certified Financial Wellness Coach | Trusted by 2,000+ investors You’ve been told to save. So you did. You opened a savings account. You parked your money. You felt secure. But here’s the truth: your savings account isn’t saving your money. It’s slowing it down. 📉 The Illusion of Safety Most savings accounts in India offer 2.5% to 3.5% interest . That’s before tax. Now subtract inflation—currently hovering around 5–6% . What you’re left with is negative real returns . Your money looks safe. But it’s quietly losing value. Let’s break it down: That’s not saving. That’s erosion. đź’ˇ What Actually Saves Your Money? Debt Mutual Funds . Especially liquid, ultra-short, and short-duration funds . These instruments offer: ✅ Returns of ~6–7% annualized ✅ Low volatility ✅ T+1 liquidity (money back in 1 working day) ✅ Tax efficiency (especially with indexation after 3 years) They’re designed for people who want a...
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