Everyone wants their money to grow. Some are willing to take risks for it to grow faster, while some are conservative and want to take the least risky path to grow their wealth. “Fixed deposit investment is safer than mutual fund and stock market as these are not subject to market risk,” argues Mumbai-based, Priyanka Sabnis. At 27, Sabnis has been a firm believer in putting her money into PPF and other assured return schemes that are available for those who shun investment risk. These are also the preferred choice of investing for retirees who are obsessed with the guaranteed returns as well as the capital protection that such instruments offer.