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First things first FDs are not investments. They are tools for capital protection. So if you’re doing FDs anyway, this is how you manage risk smartly ⬇️ • Better liquidity without breaking all FDs • Reduces reinvestment risk when rates change • Regular cash flow as FDs mature in phases • No need to predict interest rate cycles • Keeps money flexible and disciplined • Works well for emergency and short-term goals Same FD. Better risk management. Save this before locking your next FD 💸 | Diya Baf
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