Idle Cash Is an Investment Decision Too

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Money parked in a savings account feels neutral, but it is a choice with a cost. At three percent interest against six percent inflation, idle cash loses purchasing power every single day, which makes doing nothing an active investment with a guaranteed negative real return. Keep your emergency fund liquid, certainly. Beyond that buffer, sweep the surplus somewhere deliberate: a liquid fund, a deposit ladder, or your SIPs. The goal is not squeezing every rupee. It is making sure no rupee sits unassigned by accident. As a SEBI-registered investment advisor, 1 Finance offers purely advisory guidance with no products to sell and no commissions to earn. Download 1 Finance on Google Play today.

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