Overly Cautious Savings: A Hidden Threat to Your Long-Term Wealth

• Traditional Indian financial lessons prioritize safety, leading to investments in fixed deposits, traditional insurance, and gold.
• This 'play safe' mindset, while once relevant, now struggles against inflation, which silently erodes purchasing power.
• Low-growth investments mean savings don't keep pace with rising costs for education, healthcare, and housing.
• Longer lifespans mean money needs to last longer, making low-return strategies insufficient for retirement.
• Avoiding market volatility often leads to long-term underperformance, pushing financial risks into the future.

Why It Matters: Excessive caution with savings can lead to long-term wealth erosion due to inflation and insufficient growth.