With a predominant demography that grew up without money, the very subject of money is interlinked to the deep-rooted anxiety and insecurity of Indians. This is why a vast majority of us more often than fail to differentiate between saving & investing. For us, saving money is eqaul to investments, and safety & cushion of money is at the top of the mind. The fact of the matter is that saving gives the returns at a base rate that is lower than the inflation rate. This erodes the purchase power of money. A bank Fixed Deposit (FD) of INR 1 lakh might look fancy at INR1.7 lakh next year, but the appreciated amount can not purchase today what you could have purchased with that amount last year.