Layoff Sadness Intensifies

@Ajmonk96

Yes and no.

Easiest action is to ladder Fixed income instruments at higher returns. Create a pool of FDs with Short, Medium and Long term tenures.

Equity markets trend downward when interest rates are high as equity vs debt returns converge, so you may get great bargains in specific stocks.

Indian macros and micros are great so we may see a flat market and high interest rate.

This time we have 2 fairly major military conflicts going in parallel, so that's the third variable that can upend everything. I'd keep some powder dry to capitalise on opportunities that may pop up.

I have done fd laddering for one year 3 yr and 5 year.