There's a popular misconception in India that Mutual funds are too risky because they invest in stocks. But mutual funds can invest in debt too, from the ultra-liquid money markets, to the ultra-safe government bond market. Some of these markets are not even available to you, as a retail investor.
With mutual funds, you can also choose a variety of risk exposure: want a half equity, half safe exposure? Choose a balanced fund. You can also determine the term of your investment - if you're looking to hold something short-term, then a short term debt mutual fund might tickle your fancy. For long term safety, you might choose an LT Gilt fund that invests in government securities.
In the video we list different combinations, and what your options are. Watch and comment away!