Financial advisor of ICICI suggested me to invest Rs. 50,000 p.a. in ICICI Wealth Builder II which will yield return between 10 and 16%. There will be lock-in period of 5 years and it offers tax benefits under section 80C. Earlier I had plan of investing this amount in PPF. But now I am confused as PPF offers 8% return with 15 years lock-in period. Please help in taking a right decision