I have working for around 7% and my 100% savings sit in PPF, FD and now recently started in NPS.

I really never felt comfortable with any service with which I can have complete control and freedom to transact. I had tried IIFL back in the day and after 3 months putting decent amount of money I wanted to sell some SUZLON shares one day when the price was at 5x of what I had bought at. Transactions failed, kept failing throughout the day. 7 days later I got a one line response saying it was a glitch. Exited after few days and closed the account. Never went back to trading again.

I mean I see the numbers and % of returns I will get but how can I trust the industry where interfaces, that I want to be in that industry, are so unreliable.