Align investment planning with time horizons

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A car purchase three years away and a retirement two decades away cannot share the same vehicle. The time remaining until each goal, more than your return appetite, should decide where every single rupee goes.

Short horizons favor stability, so fixed deposits and liquid or short-duration debt funds suit them well. Long horizons can absorb equity volatility along the way and harvest its growth. Mapping every goal to a specific date makes each product choice feel almost obvious.

Anchor your investment planning in timelines rather than tips, and then carefully review the whole map annually as goals move steadily closer.

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