If prices rise faster than the interest you earn, purchasing power falls even though the account balance grows.
The practical response is not to chase returns but to match each rupee to a timeframe: near-term needs in safe instruments, long-term goals in growth assets.
Review this allocation once a year, and after any major change in income or family responsibility.
Want to apply this to your own plan?
Book a free consultation at our Giridih office and we will work through it with your actual numbers and goals.
This article is educational content and not investment advice. Markets carry risk; past performance does not guarantee future results.