Samriddhi Volume 06 Edition 10 by ABSLMF
Savings Are Not Investments and confusing the two is one of the biggest personal finance mistakes Indian investors make. While Saving vs. Investing often sounds similar, the difference between savings and investment lies in growth, risk, and long-term outcomes. Savings protect money and offer liquidity, but they rarely deliver inflation-beating returns. Investments, on the other hand, are designed for long-term wealth creation, helping money grow over time.
It introduces a practical investment hierarchy starting with an emergency fund, followed by term insurance, and then moving to short-term vs long-term goals through suitable instruments.
Designed for beginners, young earners, and even teens exploring Saving vs. Investing, this edition empowers readers with financial literacy to prevents costly long-term mistakes, smarter asset allocation, and clear strategies for sustainable financial decisions proving once and for all that Savings Are Not Investments using real-world examples.
Key Insights:
• Savings Are Not Investments because savings protect capital, while investments grow it.
• Inflation beating returns are essential for real wealth creation.
• The right investment horizon determines debt vs equity choices.
• Systematic Investment Plans (SIP) reduce volatility and timing risk.
• Balanced funds help beginners manage risk appetite.
Takeaways:
• Saving vs Investing is about purpose, not preference.
• Always build an emergency fund before investing.
• Term insurance protects income, not wealth.
• Use equity mutual funds for long-term goals.
• Diversification improves risk management.
Why Download This Edition eBook?
• Clear explanation of why Savings Are Not Investments.
• Simple framework for investment hierarchy.
• Practical guidance on ELSS tax-saving mutual funds, and multi-cap funds.
• Beginner-friendly insights on SIP automation.
• Focus on tax-efficient investments in India.
Download Savings Are Not Investments | Build Wealth, Not Just Balances | Samriddhi Volume 06 Edition 10 and take charge of your financial future!
Frequently Asked Questions on Savings Are Not Investments
Are savings an investment?
No. Savings Are Not Investments because savings focus on capital protection and liquidity, while investments aim for long-term growth and inflation-beating returns. Savings preserve money; investments multiply it.
What’s the difference between savings and investments?
The key difference between savings and investments lies in purpose and growth. Savings are for short-term security and emergencies, while investments are designed for long-term wealth creation and purchasing-power protection.
Does a savings account count as an investment?
A savings account does not qualify as an investment because it usually offers low returns that fail to beat inflation. While safe, relying only on savings can reduce real wealth over time.
Why is confusing savings with investments a financial mistake?
Confusing savings with investments can delay wealth creation and expose your money to inflation risk. Understanding why Savings Are Not Investments helps you choose the right tools for each financial goal.
Download the Savings Are Not Investments eBook to learn a simple investment hierarchy tailored for Indian investors.
If savings are not investments, where should long-term money go?
Long-term goals are better served through equity mutual funds, balanced funds, Equity Linked Savings Scheme (ELSS), and SIPs aligned with your risk appetite and investment horizon.
Explore the Savings Are Not Investments eBook for practical guidance on building inflation-adjusted wealth.
Click Here to Visit Different Editions of Volume 06:
Saving vs Investment |
Savings Are Not Investments |
Financial Tips for Vacation |
Budget Travel Tips |
Investing for Life Goals |
Crash-Proof Investing.
Disclaimer:
The Tax calculation shown above is for illustration purpose and general information only. Amount(s) mentioned above may undergo a change if assumptions specified herein do not hold good. Investors are advised to read the scheme information document of the scheme carefully before investing and consult their Tax Consultant or Financial Advisor to determine tax benefits applicable to them.
An Investor education and Awareness initiative of Aditya Birla Sun Life Mutual Fund.
All investors have to go through a one-time KYC (Know Your Customer) process. Investors to invest only with SEBI registered Mutual Funds. For further information on KYC, list of SEBI registered Mutual Funds and redressal of complaints including details about SEBI SCORES portal, visit link: https://mutualfund.adityabirlacapital.com/Investor-Education/education/kyc-and-redressal for further details.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
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