i don't invest...

I don't invest my money anywhere. Many people find this weird. There are few people like me, who let their money stay still in a savings bank account. I also don't produce fake bills and travel tickets to make my allowances non-taxable. I also don't ask my landlord to write an incredibly high amount on the house-rent receipts to save tax on my House Rent Allowance. I also don't move my money into a fixed deposit so that I get higher interest on my money.

I keep hearing that for highest returns, invest in Equity, ie Share Markets. I tried thousands of times, but I don't understand that business a whole lot. It's way too complex for me. So I am scared of investing in shares. I don't like the concept of life insurance coz it constantly reminds me of my death. I don't want to care about it. And I don't want to block my money in any way. So I hate fixed deposits. And I don't worry a lot about little gain here and little loss there. So I am happy with the small rate of interest that a savings bank accout pays. Coz finally, I am getting an interest, so what if it is 3.5% and not 5%. Don't want to get into the intricacies of banking beyond that. I'm happy with what I've got. Love to keep things simple in life...