Hence I digress

Think about this, 10 years down the road what will you do if both inflation rate and interest rate is equally high?

Will you keep your money or spend them?

Of course, 10% raise on FD rate does not mean you save 10% more. Subsequently, investing money in a low risk account, say an FD will only make you poorer when inflation sky rockets.

So think about it a second, what will you do?