fixed deposit
For many years, Indian families have relied on traditional methods like bank accounts, fixed deposits (FD), gold and savings to secure their future. In these, both return and risk were fixed to a great extent, which made planning easier. But now a quiet change is visible. Families are moving towards such investment options which can offer higher returns, even if the risk is also higher. Mutual funds, shares and digital platforms are no longer limited to experts only. Ordinary families are also taking calculated risks and looking at real financial security from a new perspective.
Are 7% safe FDs being left behind now?
After all, what is changing? And how will this affect families’ money, risk and long-term planning?
From FD to mutual fund
FD has been the choice of Indian households for generations. Low risk, fixed returns. But the problem is that FD returns are often less than inflation, due to which wealth cannot be created in the long term. Now people are choosing mutual funds for better returns. For example, an IT professional from Hyderabad earlier kept ₹ 3 lakh in 7% FD. About two years ago, he started investing ₹8,000 every month in equity mutual funds. Despite market fluctuations, he got around 13% annual return, much better than FD.
adopting the stock market
Earlier the stock market was considered very risky. Now thinking is changing. A couple from Mumbai, who earlier used to invest in gold and FDs, bought shares of big companies last year. Despite daily fluctuations, his portfolio gained about 15%.
Growing trend of SIP
SIP has changed the way of investing. A marketing professional from Delhi started a SIP of ₹5,000 three years ago. Despite market fluctuations, his portfolio today is worth more than ₹2 lakh, much better than a savings account.
Beyond traditional investing
Now people are adding options like international funds and ETFs along with gold and real estate, so that the risk is distributed and growth increases.
Perspective on risk in families
Now instead of avoiding risk completely, it is being considered as a means of growth. Families keep an eye on their investments, make changes and are becoming more conscious.
emotional impact of risk
Anxiety also increases when the market falls, but people are learning patience and discipline. Investment is not just a change of money but also a change of thinking.
changing relationships in families
Investment decisions are now being taken jointly. Husband-wife and children have also started talking about investments and future planning. This change is not just about money, but also about thinking and communication.