Should You Break FDs For Equities?

Ratin DSIJ / 28 May 2026 / Categories: DSIJ_Magazine_Web, DSIJMagazine_App, Letters to Editor, MF - Letter to Editor, Mutual Fund

Your story on financial mistakes during the mid-career phase was extremely informative.

Your story on financial mistakes during the mid-career phase was extremely informative. However, I am currently 45 years old and have not planned adequately for my retirement yet. Should I break my FDs and shift the money to equities in pursuit of higher returns until the age of 60? - Bharat Patil [EasyDNNnews:PaidContentStart]

Editor Responds : Breaking all your fixed deposits and shifting entirely to equities may not be the right approach at this stage. At 45, retirement planning should focus on balancing growth with financial stability. Equities can help generate better long-term returns and beat inflation, but they also carry short-term volatility. Instead of making a sudden shift, consider gradually allocating a portion of your savings towards diversified equity Mutual Funds or quality stocks through a disciplined approach such as SIPs.

At the same time, continue maintaining adequate exposure to fixed-income instruments for stability and liquidity. Your allocation should depend on factors such as retirement goals, risk appetite, income stability, and existing savings. A balanced strategy is usually more suitable.

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