Kanpur to Kerala Traveling on Foot

Will you travel from Kanpur to Kerala on foot?

How do you travel from your house to a market nearby?

Most probably you walk or ride a motorbike or may be by car if parking is available.

When you need to travel from Kanpur to Kerala, you will probably travel by car, train or Plane. Surely you will not cover the distance between Kanpur and Kerala on foot. For your reference distance between Kanpur & Kerala is approx. 2300 km.

When you travel outside India say Dubai or USA, you travel by plane.

My point is that when it comes to travelling a longer distance, you don’t always travel by your car and certainly not when you travel outside India.

But

when it comes to investments, many of you keep almost all the money only in one asset class i.e. Bank Fixed Deposits.

When you require money for your child higher education, which is 10 years from now, it should not be in Bank FDs. For sure a major part should be kept in Large Cap Equity Mutual Funds.

For your retirement, which is say 20 Years from now, keeping money in Fixed Deposit is not justified.

When to keep money in Bank Fixed Deposit?

For your short-term goals like buying a car in 2 years from now or a travel abroad plan which is due 1 year from now or for an emergency fund, the money should be kept in Fixed Deposits for sure.

Let me explain things with the help of an example: -

Say your age is 40 years and you are saving money for your retirement days. You planning to retire at 60 and currently you have Rs.1 Crore in Bank FDs. Let’s see what will be the amount will be after 20 years.

Kanpur to Kerala travel on foot article data details image

Clearly a huge difference of approx. 6 Crore

In short term, equity Mutual Funds can give negative return too. But when your time frame is greater than 10 years, probability of getting a negative return is Very less.

Historically Sensex has given close to 15% returns in 20 years time frame.

I am not saying to put all your money in equity mutual funds. But for your long-term goals, for sure diversified equity Mutual funds is the place to be.

Note: - Interest rates are taken just for illustrative purpose.

The image presents a dark background with yellow text titled "The Golden Rule of Transit". It states, "Never walk a 2,000 km journey. Always match your financial vehicle to your time horizon." There are small icons of a footprint on the left and an airplane on the right, connected by a yellow line. Small disclaimer text is at the bottom about mutual fund investments and market risk.

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