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Nowadays wherever you look, whomever you listen to, everyone is just doing SIP-SIP. This is a great way to make big money in the long term. But in this 'storm of SIP,' we are forgetting those evergreen options of investment, which have been keeping our hard-earned money safe for decades. So let's know why and when 'old lions' like FD, RD and PPF can prove to be better than SIP even today.

By investing in mutual funds through SIP, you get the benefit of 'power of compounding'. Through this, your money is invested in the stock market, which can give a great return of 12% to 15% or even more in the long run. SIP can make you a millionaire by beating inflation. This is the reason why it remains everyone's first choice today.

But it is also important to understand the risk of SIP. Another truth about SIP is that its returns are subject to market risks. That is, if the stock market ever falls, your money can also go into loss. It is also possible that your investment goes into negative in the short term. If someone cannot take any risk at all or for those who need a fixed amount after a few years, this uncertainty can become a big risk for them.

In the era of market fluctuations and risky investments, when everyone is confused, then investors come across investment platforms which are our 'silent heroes', that is—FD, RD and PPF. These investment options may seem slow in speed, but in terms of trust and safety, they cannot be matched. Fixed interest can be obtained by depositing a lump sum amount in FD, while RD converts small savings every month into big returns. Whereas PPF is a way to secure long-term earnings with tax exemption.

Let us tell you that the biggest strength of FD, RD and PPF is 'security' and 'guarantee'. Yes, here the investor knows from the very first day how much money he can get on maturity. Whether the market falls or rises, there is no harm to your money. For parents, people close to retirement or those who are saving money for a specific target (such as daughter's marriage) in 2-3 years, this can be a 'zero tension' investment option.

This is the truth of the world of investment, which is very important to understand, guaranteed return plan vs traditional option. Yes, investment in FD is lump sum, so the death of the investor does not affect it, but tax and premature withdrawal can reduce the return, while regular investment is made in RD, but the scheme stops on the death of the investor, while PPF is best for giving tax exemption and better interest rate, but after death only interest can be received on the deposited amount. In contrast, a guaranteed return plan comes with a life cover that gives the nominee the full return tax-free even after the death of the investor. This makes it a safe and complete plan.