New Delhi, Dec. 28 -- As we stand on the threshold of 2026, investors in India are witnessing a transition. After a period of aggressive rate hikes and subsequent pauses, the tide seems to have turned. Recently, the Reserve Bank of India (RBI) brought down the repo rate by a cumulative 125 basis points in 2025, making the fixed income part of an investment portfolio more than just a balancing force. Today, it can be the reason for wealth creation.

For years, retail investors in India have prioritised equities for wealth creation and fixed deposits (FDs) for safety. However, the current macro-economic environment suggests a shift in strategy. As equity markets experience a cooling period and interest rates begin their downward journey, bo...