In current world wide situation, keep in FD no doubt is better than losing them all. People may say you are stupid, but at the end, all those are your money not theirs. Last time I listen to people go invest low risk bond. 1 shot ate me RM70k. Can't self recover for 3 years. After that I withdraw the remaining. I should just dump them into my houses.

50k unit trust is better if you scared to lose