New Delhi, Oct. 25 -- Fixed deposit (FD) investments are popular among investors seeking predictable, easy, and relatively low-risk returns. The significance of fixed deposit investments becomes even more meaningful in the current geopolitical scenario, where oil and commodity prices are exhibiting immense volatility, and the country's equity markets have also underperformed over the past few years.

Still, what should not be ignored is that even in the current economic environment, locking the entire savings corpus into a single FD can be detrimental to long-term wealth creation, as it can limit access to funds and expose investors to interest rate risk when the deposit matures.

To meaningfully address such a situation, the idea of FD l...