Post Office Small Savings Schemes: People have always had faith in the Post Office Small Savings Scheme. Actually, these schemes are risk free and give guaranteed returns, due to which these schemes are included in the priority of conservative investors. However, in today's era, everyone is looking for maximum returns on their investment. For this reason many people ignore the Small Savings Scheme. Instead they turn to the capital market. But this assumption is wrong. It is important for someone to balance the portfolio. Therefore, invest a part of the investment in such schemes where you get guaranteed returns (Fixed Income) with 100 per cent security. If there is a loss in the capital market, these schemes will be useful in emergency.