You can use the below chart to select the product based on your risk appetite and time horizon.
By using this scatter plot, you can easily select the product you should be investing because it maps out the risk, return along with the time horizon for any of your investment goals.
To understand the chart better we have on Y-axis, risk (%) and on X-axis, return (%). Just below x-axis we have the ideal time horizon to invest into each of these products.
Confused! begin here to understand overall investment basics click here