As retirement approaches, many investors begin reviewing their financial plans to ensure their savings can generate enough income while also keeping pace with rising living costs. Fixed deposits have traditionally been a preferred investment option for conservative investors because they offer stability and capital protection. However, with inflation gradually eroding purchasing power, many pre-retirees wonder whether adding equity exposure to their portfolio can help improve long-term returns without taking excessive risk.
A similar query came from Jagruti who is nearing retirement and has mostly invested in fixed deposits and sought advice on whether it was too late to diversify beyond fixed deposits and include equities in her investment portfolio.
