text: mujhe toh lagta hai ki ppf ek achha option hai,kyunki long-term mein achhe returns milte hain, par kya tumhe pata hai uska lock-in period kitna hai?lock-in period toh 15 saal hai, par mujhe thoda risk chahiye, kyunki mujhe lagta hai ki kuch aur options bhi explore karne chahiye, jaise stocks!