Deciding between options, like Fixed Deposits (FDs) and modern choices like Mutual Funds hinges on your objectives and comfort level with risk. Fixed Deposits ensure returns and come with lower risks making them a good fit for cautious investors or for short-term targets where safety is key. On the other hand, Mutual Funds offer the potential for increased returns via diversified investments catering to individuals with an investment horizon and a higher tolerance for risk. Finding a balance, between both can offer stability and potential growth based on your investment approach and requirements.