text: jab bhi investment ki baat hoti hai,mere bhai ko sirf fixed deposits yaad aate hain, lekin mujhe toh mutual funds ka interest zyada samajh mein aata hai, tum kya sochti ho?fixed deposits toh safe hain, lekin returns bhi toh utne nahi hote, mujhe toh mutual funds ki flexibility pasand hai, lekin risk ka dhyan bhi rakhna padega!