Are you planning to invest your wealth and confused to choose which financial product? Did you get your basics right about available ones? What are the things to be taken care of while taking an investment decision? To answer any question of this sort, all you need to do is compare risks, liquidity and earning potential of available products and chose the one that is close to your preference. Risk preference of each investor differs; young investors are more likely to be less risk averse. Also any investor would like to have highest return for the same level of default risk. Money in the bank is very safe as is money invested in bonds which is not the case with money invested in mutual funds.  When it comes to earning potential a careful study of all available options and all possible states of returns is needed. Read more about Investment advices at: http://triblive.com/business/headlines/8394657-74/fund-interest-bonds#axzz3b1MLlddk