On an average, if we keep our money in FD we get 7-8% returns. If we buy property, the return we get is approximate 11-12%. Now, there is one more factor which we need to see is 'Inflation'. Inflation rate is approx 8%.
I want to explain by giving one example.
If you put 100 rupees in FD, you will earn 8% in that, which means you earn 8 rupees in a year, which brings your total of 108 rupees. But there is also inflation, which is eating your money. Inflation rate is 8%. so it means if you have 100 rupees in your pocket and you don't do anything, your 100 rupees will become 92. So 108 -8(8% inflation rate), which again brings your money to 100.
So, even though you earn 8 rupees from 100 rupees you invested in FD, in real terms you earn nothing.
As per my view only 20-25% of your money should be kept in FD. I will prefer rather prefer to put money in Mutual funds.
Property investment is good, but for that you require more capital. You should invest in properties too.
Any investment which beats your inflation rate is better.