30/09/2026
The Indian middle class has ₹30 lakh crore in fixed deposits earning 6–7%. Inflation runs at 5–6%. Real returns: barely positive.
What if 5% of that allocation went to a systematic Bitcoin investment?
→ Inflation erodes FD returns over time
→ Bitcoin has been the best-performing asset over 10-year horizons historically
→ 5% caps your downside while capturing potential upside
→ SBP removes timing risk
→ 30% tax is harsh — but still positive at historical returns
The risks:
→ Can drop 80% and take years to recover
→ Regulatory environment can change
→ 30% tax makes short-term trading unprofitable
The middle path: Maintain core FD + MF portfolio. Allocate 5% systematically to BTC/ETH via SBP. 5-year+ horizon. Don't check price weekly.
Consult a qualified financial advisor for your personal situation.
This is not financial advice. It's a thought experiment.