My 20 Lakh FD matures next month. Since Repo Rates are down by 1% where shall I invest? Asks an mid age investor. She is a single Mother, she wants to grow her money but afraid of taking risks. She is following my whtsp chnl since a long time. We connected today, Spoke Abt an hour and made a custom plan. A low risk olan which may generate us 8% to 12% returns for nxt 5 years. She says she will be happy if she gets 7% post tax! My aim is to get 10% post tax. Here is the plan we discussed. 40% in Eq. 5 yrs min investment. Rest of it in low risk funds. Aiming to lower the tax burden using equity vehicles. Liquidity is important for her. Initial 2 to 3 years Zero expectations to 7% expectations. Active portfolio management. Regular funds so that I have the portfolio with me for active management.