text: arre yaar,itna savings account mein paise rakhne ka kya fayda hai? kuchh toh investment karna chahiye, kuchh risk bhi toh lena padega, na?haan, par yeh mutual funds, stocks, wagaireh ka kya matlab hai, samajh nahi aata. mujhe toh aise traditional methods mein aasan lagta hai, fixed deposit ya post office mein laga de, kam se kam risk hota hai.