If u invest 1 lakh in FD for example, u may be getting Rs.109000 after 1 year. After tax u will be getting only 107800. The value of this amount after 1 yr is less than the value of 1 lakh as of today. You have to earn atleast 15% every year. But the risk is very less. For me real estate is a very good option. The value is getting doubled every year. I made very good profit recently.