Sukanya Samriddhi Yojana (SSY), Only for a girl child (under 10), Very long tenure (21 years), Restricted withdrawals., Fixed Deposits (FDs), Returns may not beat inflation or taxation (especially for non-tax-saver FDs), Low returns compared to equity., ULIPs (Unit Linked Insurance Plans), High charges (can reduce returns), 5-year lock-in, Returns are not guaranteed, Lower insurance cover than pure term plans., Diversified Mutual Fund Portfolio, Market risk (returns are not guaranteed, can be negative), Volatile returns (especially short-term), Requires a longer investment horizon to average out risk..

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