Rachana C,I feel is young and is not experienced,there fore she is giving you bad advice.I am an elderly person and I have seen all these jugglery.With the inflation rate hovering around 8%[ignore govt figures] you should not save money.Take loan from bank,provident fund,cooperative societies etc.Buy land near metropolis or near your village or places where your inlaws are staying.Govt is printing money without adequate support. All the sarkari economists are crooks ,do not beleive them.They want to suck the Middle Class surplus.Do not buy flat,they make a profit of 30%. A Senior Citizen
