In the present day volatile market it would be prudent to invest in bank deposits only even though the return is a little less. All invsesments are speculative and high risk factor is involved. If you are able to control your spending habits judiciously the return should keep us going. Our finance minister in his anxiety to generate funds and to curb hidden money has suggested very stringent measures which does not seem to be healthy in the long run. Persuptions differ . Sethuraman
