I am 60 yrs, and retired. i have during my career saved and deposited amounts in my family members-a sum of 2crore   into mine, my daughter ,son and wife.

with my wife also having lost job recently  and children still studying PhD and unmarried , am unsure if my savings-  all as post office Term deposit and the interest flowing into its RD and equal amounts as FD in bank.

The returns by interest after paying taxes is around only 5% .  shd i invest in stock market, but my risk apetite is very low given the committments ahead , including medical needs. fortunately have a flat to stay .

can u advice if corporate Bonds or Debentures or any other Legal means to earn so i dont lose growth due to inflation . 

thanks