Retirement: SIP vs FD
Planning retirement corpus — compare building wealth via equity SIP vs stacking fixed deposits.
| Factor | Retirement SIP | FD ladder |
|---|---|---|
| Inflation protection | Equity historically beats inflation | Often barely beats inflation post-tax |
| Accumulation phase | SIP during working years | FD accumulation slower |
| Withdrawal phase | SWP from corpus | Interest income |
Verdict: Accumulate via SIP in your 30s–50s; shift gradually to debt/FD in the 5 years before retirement for stability.
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