FD is for people who do not want to take ANY risk or think there is NO risk . With FD your money is being worked by other people more for other people BUT if you do not know what/how to invest then it is THE BETTER way. To get a better return for your money i.e. let your money make money for you it is necessary to take calculated risks and make some effort to learn and understand what is possible and what is not possible. It is all about balancing FEAR & GREED and taking the center path