Safety is important for you but you also need to ensure that the corpus remains inflation protected. : I retired 2 years ago and invested most of my retirement funds in fixed deposits (FDs) for 2-3 years at an interest rate of 7%. I also have two SIPs of ₹5,000 each. I have an unmarried daughter. I get a monthly pension of ₹34,000. Where should I invest to keep my money safe as well as get good returns? My FDs are in nationalised banks. Should I shift these to private banks for better interest rates?