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View on wealth Creation and deposits

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View on wealth Creation and deposits : For some specific purpose we need a lots of money time by time. Therefore we generally do savings in money market, banks FD, buy commodities, mutual funds and others (company deposit etc). But in many cases, we can't optimize/divide where to invest and what to buy. Here I like to provide some comparative data among the investments by my personal experience. Type of investments Risk Gain% BANK FD NO 8-10% Mutual Fund LOW -7% to 25% Company Investment NO 9-12% Long term/Big shares LOW -10 to 30% Mid/Long term/Small shares Moderate -15 to 50% Intraday High -20 to 100% ?? You can found some good study in following links too -  Investment Types    &   Risk/Gain Factors