People may argue that fixed income investment options don't give as high returns as mutual funds, bonds, or SIPs. However, they have their own value and it's a great idea to invest in them to diversify your financial portfolio. 

The biggest advantage of fixed income investment options despite the lower returns is the security and low risk they offer. 

Because of this feature, they can be compared to the foundation or spinal cord of the body, as these investments help us stand erect and strong during both good and bad times. They can even be used as an emergency fund in times of need.