Is fixed deposit 100% safe?
Fixed deposits are widely regarded as one of the safest traditional savings vehicles available to retail investors because principal amounts are typically backed by government-regulated deposit insurance schemes up to statutory statutory limits. This structural protection ensures that depositors do not lose their baseline cash capital even if the issuing financial institution experiences unexpected insolvency or economic stress. However, investors face potential risks regarding purchasing power erosion if inflation rates outpace the fixed interest yield earned over the term of the deposit.
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