That's a good start and you did it at a very young age. I am sure that the investments would have earned you a decent amount of profit in all these years, though the return rate might not be at par with risky ones, but still a considerable ones. Even I have my maximum investments in safe schemes and traditional ways. That's what my risk appetite and financial capacity can afford to. I am happy with that. I have put a small amount in market, stocks etc that are risky. This is the little amount that I would not like to loose but am okay if it is lost, iy does not have a very huge impact.