Fixed Deposits: Daya Ki Tarah Safe, Lekin Kahan Lagayein?

Arre bhai, fixed deposits toh sabse zyada safe hai na! Senior citizens ko market ki uljhan se door rakhna hai. RBI ne repo rate cut kiya, par Adhil bhai keh rahe hain ki kuch nahi badalne wala. Retirees ko FD laddering ka plan banana hai, warna Daya mujhe maar degi! Bank FDs, corporate FDs, aur government options ka mix karna hai, samjha kya?