Despite rising incomes and growing financial awareness, a large section of Indians continues to struggle with wealth creation. According to Tarun Kakar, Founder of EZY Wise Services and a registered Mutual Funds Distributor, the issue is not a lack of savings, but an over-reliance on traditional saving instruments that fail to beat inflation.

“Most Indians believe that saving money is enough to secure their future,” Kakar said. “But savings without investing do not create wealth. In many cases, they slowly erode purchasing power.”