Should I move my entire retirement corpus to FDs once I retire?
Published 18 September 2026
Your opinion Ravi?
Moving everything to FDs may give you peace of mind and confidence, but the question is whether that approach can sustain your lifestyle over the next 20–30 years.
Your cost of living can keep increasing because of inflation, while interest rates may come down over time.
If your expenses eventually become higher than the interest income, you will have to start withdrawing from the principal. Once the principal comes down, the interest generated from it also comes down.
So the risk is that an approach which feels very safe today may cause you to run out of money sooner than expected.
“While the FD gives you a lot of peace of mind and confidence, you have to also be aware that it can cause you to run out of money sooner than later.”
This question and answer is derived from the podcast between Ravi and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.
Your cost of living can keep increasing because of inflation, while interest rates may come down over time.
If your expenses eventually become higher than the interest income, you will have to start withdrawing from the principal. Once the principal comes down, the interest generated from it also comes down.
So the risk is that an approach which feels very safe today may cause you to run out of money sooner than expected.
“While the FD gives you a lot of peace of mind and confidence, you have to also be aware that it can cause you to run out of money sooner than later.”
This question and answer is derived from the podcast between Ravi and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.