Hi..I have spare money of around 1.5 lacs to invest, I might require the money around 12-15 months from now. I checked Basunivesh and found that most Short term funds are giving a return of around 6% to 6.5% for the above duration. Should I go ahead and invest or is Bank FD a better option as it also gives me a risk free 6.25% return. Is there any other option ? Are Balanced funds even an option ?