WealthManagement

Stop Saving, Start Allocating: Why Your Savings Account is a Wealth Trap

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Since we were kids, we’ve been told: “Beta, save your money.” We were given piggy banks, then savings accounts, and eventually FDs. We were taught that “saving” is the ultimate financial virtue. “But here is a hard truth for 2026: Saving is a stagnant mindset. In an era of 6-7% inflation and rapidly shifting markets, … Read more

P2P Lending vs. FD: Is the 12-15% Profit Worth the “Default” Risk?

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The Good News: No Absolute Limit on Possession! In 2026, the Indian investor is caught in a classic tug-of-war. On one side, we have the “Safe Haven” — the Fixed Deposit (FD), currently offering around 6.5% to 8.5%. On the other side, there’s the “Wild Child”—P2P Lending, promising a mouth-watering 12-15%. At Rupee Decoded, we … Read more