It is safe to say that old age comes with the uncertainty of medical health. Your FD can take care of such healthcare-related expenses.
The returns from your FDs create a steady source of monthly income after retirement from the interest income itself.
Now is the time to tick off all the boxes on your bucket list, visit places you always wanted to and perhaps go on to the pilgrimage too.
As a grandparent, you would always want to buy gifts for your grandchildren without depending on someone else. Again, interest coming from your FD can take care of these expenses.