text: 'Kya tumhe lagta hai ki mutual funds zyada safe hain retirement ke liye, ya stocks? Mujhe toh thoda risky lagta hai, par returns bhi achhe hote hain.''Stocks mein toh potential hai, lekin market volatility se kabhi kabhi darr lagta hai. Ek balanced portfolio banaana shayad behtar hoga, kya khayal hai?'