Hii good evening dear ..yes u r right it's difficult to take decision about investment .Last year I also have confusion abht investment..I go bank ,post office nd take enquiry..then I get to know that in post office there a a scheme of Kisan Vikas patra..in that scheme they give double money in 10 years .. then I take 2 Kisan vilas patra for my son too .in post office money s safe too ..dear consult to nearest post office nd u can take invest ur money there too .try it take care dear.