The best way is to say it bluntly: Your long-term investments must be kept in equity-backed investments. Not doing so will expose you to the dire spectre of old-age poverty.
Except for the small proportion of people who have inherently inflation-linked lifelong income, everyone else must invest almost all their long-term investments in equity.
Last week, I had concluded this column by showing that deposit-type savings yield very little real (above inflation rate) rates of return and those who depend on these exclusively need to save a lot more in order to avoid hardships in the future. Unless you have earn rental income that can be hiked periodically, or you have a government pension, you will have to fight inflation yourself.
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