text: sun,mujhe lagta hai ki traditional savings accounts kaafi boring hote hain, par unka interest rate bhi toh kabhi kabhi acha hota hai, kya sochti ho is bare mein?bilkul, par mujhe samajh nahi aata ki mutual funds ke risks itne high kyun hote hain, agar thoda research karein toh shayad better options mil sakte hain, kya tumne check kiya?