You Just Lost ₹1.6 Lakh in One Night. Here’s Why It Matters

Dear Investor,

Yesterday, one of India’s top NBFCs slashed their fixed deposit rates by 0.42% for senior citizen women.

This may seem like a small technical move. But here’s the real financial impact:

Parameter Before (June 25, 2025) After (June 26, 2025)
Interest Rate (60 months) 8.65% 8.23%
Effective Yield 10.77% 10.13%
Maturity Value (₹50 lakh) ₹76,93,583 ₹75,34,808
Loss in Guaranteed Income 1,58,775 ⚠️

This is not a prediction. This is not a forecast. ✅ This is today’s reality.

⚠️ Why This Matters for Retirement Planners

In a world of falling interest rates:

  • Your future income shrinks every time you delay
  • Reinvestment risk compounds every year
  • You could lose lakhs in guaranteed cash flows

🔐 The Solution: Lock Certainty While You Can

💼 We strongly recommend allocating part of your retirement portfolio to deferred annuities or long-term FDs now.

Even if the yields are lower than your EPF or DSOP, they offer guaranteed income for life, unaffected by policy rate drops.

🧠 For SSC officers, senior citizens, and conservative investors, the window for high fixed income is closing fast.

✅ Next Step

Let us help you create a retirement income blueprint:

  • Monthly payout goal: ₹XX,XXX
  • Fixed income portion: ₹XX lakh
  • Equity cushion & liquidity: Tailored for you

📞 Reply to this email or call us directly to discuss.

Warm regards,
Rajat Dhar
Managing Partner – Finogent Solutions LLP
📞 +91-9560489579

 

About Rajat Dhar

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