The 7 Percent Trap

For a generation, the rule was simple. Work hard. Save. Put it in a fixed deposit. It worked for our parents. It has stopped working for us.Every year, silently, inflation and tax together strip 7 to 8 per cent out of what feels like a perfectly safe savings account. The number in your passbook goes up. The amount of life you can buy with it goes down. That is the 7% Trap, and almost every middle-class Indian saver is caught in some version of it.In this book, wealth manager Abhishek Borah dismantles the illusion that the middle-class Indian family can save its way to wealth in 2026, and builds, brick by brick, the plan that actually works.You will learn how to: -Replace the bleeding fixed deposit with smarter, more liquid alternatives.-Own the whole market instead of betting on a single horse.-Hold the right slice of gold, and a piece of the wider world.-Separate insurance from investment, and stop overpaying for both.-Build a one-page portfolio you can actually sleep with.Written for the doctor with ₹50 lakh in fixed deposits, the twenty-eight-year-old engineer who just started her first SIP, the single mother running a small business, the retiree who needs capital to last thirty years, and every NRI whose family will one day spend in rupees again.No jargon. No hot tips. No staring at screens. Just the maths, checkable on a phone calculator, and the discipline to outlast your own worst instincts.The door to the 7% Trap is unlocked. Walk out!