Recently visited to ICICI Bank to open a PPF account for 50,000 /anum, one of the financial advisers in Bank suggested to invest in their ICICI Wealth Builder II which gives better returns of 10% to 16% , also Tax savings on 80C, now i am really not sure which one to opt for PPT which has 15 years locking and gives you 8.x % and ICICI Wealth builder which gives better returns with 5 years locking, need help in deciding which one to go with?