All experts fail in share market predictions! Fixed deposits are attractive for people who do not have to pay income tax. For others PPF is there. Equity market is good for who can take risk and spend some time for investing. The difference between FD and shares is that in the case of FD, you are assured to get your capital plus some interest without much risk. In the case of equity, you may get profit or loss depending on various factors many of which are out of your control. By putting in MF/SIP/Insurance you can make someone else also rich when your capital is not assured to be returned. To the extent of risk capacity one may invest directly in stocks.
