As countdown of FD interest rate fall has started, is it time to stop laddering and invest in long term FDs?

FD investors have recently benefited from high interest rates, but an upcoming reduction is anticipated. The RBI might follow global trends in rate cuts, impacting FD returns. As the current interest rate on FDs with long tenure is high, investors should consider securing current rates and revising investment strategies to mitigate potential future decreases, balancing long-term savings and liquidity.