For the longest time, Indian middle-class salary earners made no distinction between savings and investment. Savings were nothing more than salary not spent, mostly kept in bank deposits. Some went beyond to buy gold and real estate, but mostly for self-use and not as investment. Stocks were out of bounds — considered too complicated and too risky to put small savings into. In the past 10 years, that’s changed dramatically. Here are four clear signs of that change: