text: mujhe toh lagta hai ki bank ki fixed deposit hi sabse achhi hai,kyunki woh guaranteed return deti hai, lekin tumhara kya kehna hai mutual funds ke baare mein?fixed deposit achhi hai, lekin inflation ki wajah se real return kam ho jaata hai, mutual funds mein risk hai par wo inflation se better fight karte hain, kya tumhe samajh aata hai?