text: yaar,mujhe samajh nahi aata yeh fixed deposits ka scene kya hai. paisa toh safe rahega, lekin interest rate itna low hai, aisa lagta hai jaise yeh paisa just 'baith ke' so raha ho!haan, main bhi soch rahi thi, aajkal toh market mein itne options hain. maybe hum mutual funds mein invest kar sakte hain, kafi return milta hai, aur risk bhi control mein rehta hai.