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Senior citizens, in particular, are breathing a huge sigh of relief because they can finally lock their retirement corpus into secure schemes offering upwards of eight percent. A really clever strategy right now is “FD laddering”—instead of dumping all your savings into one massive five-year deposit, you break it up into smaller chunks maturing at different times. This way, you get to take advantage of the high rates available today while keeping your money liquid enough to handle unexpected family emergencies without having to pay those annoying premature withdrawal penalties.
| Color | Black, Blue, Red, White, Yellow |
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