How does limiting liquidity affect your long-term investment strategy?
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If Sukanya offers safety and tax-free returns but limits liquidity and growth, should I reconsider how much long-term equity exposure I actually need? Would a balanced SIP-based portfolio potentially outperform SSY while still helping me meet future education or marriage goals?
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You're on the right track with Sukanya Samriddhi. It’s safe and provides tax benefits. However, the downside is that your money is locked in for a long time, and the returns are set. Consider putting some of your savings into a balanced SIP that mixes large and mid-cap funds. This option could offer better growth over time while still being flexible for future goals like education or a wedding.