If you came into the market during euphoria, your immediate future returns won’t beat FD!

That's why timing matters!!

Posting 5Y & 10Y returns for the 2020 drawdown here is incorrect. Are these Total returns inclusive of dividends? Else it is misrepresentation.

I am doubting the veracity of these numbers. From 2009, The 10Y Nifty returns were definitely higher than 8% CAGR. And FD rates were not 10% as quoted above.