You have to invest according to your budget. First determine how your budget is? Now divide your budget in multiple schemes like mutual fund,share market,FD etc. Mutual fund and Share market gives you good return,but you need to invest it for long term. Some investment should be done in FDs.

Money is for expenses only. The expenses may be current and also for durable conumption items and fixed assets like house. Hence investment of money should be aimed at providing home, medical care, accident insurance etc.

One should first take a mediclaim policy and accident insurance policy. A Life Insdurance policy should be taken only to the extent of actual need of dependants in event of contingency. If the family isotherwise well protected by independent income and assets, no need for life insurance.

After taking a mediclaim policy and accident insurance, ten percent of income should be regularly saved in provident fund or bank F.D. Only savings in excess of this should be invested in shares or mutual funds. One need be very alert and be able to spend sone time for investment in shares. Otherwise, it is best to avoid shares.

You should divide you money into 3 and invest in all the three you have mentioned

Share market and mutual funds are subject to market risk I would rather advise you to go for fixed deposits, just because it is safe. If you want you can also invest in properties and lands because it is better then keeping in banks and the values of properties rising abruptly which will provide you immensely in the long run.

Another thing to suggest you if you are looking for some monthly incomes through your saving then go for MIS (monthly Income Scheme) through Post Offices. It is considered as the safest option and at the same time you can earn every month to meet your day to day expenses.....

As ajay said that land prices are rising day by day,and for long term it would be very helpful. But,in case of land you need more money to invest then it would be profitable. Small investment in land will no doubt get profit but not much. Big investment in land will give you more profit.
Most People now a days, are investing in land to earn more profit which will be useful for future.

I had read recently that you should decide according to the age of the depositor.

I had read recently that you should decide according to the age of the depositor.

Age of depositor affects investment decision in many ways. A younger person saves for future and so he may regularly invest small amounts that will accumulate in future. An old person invests for current income and so he invests accumulated balance in such schemes that may give him regular pension type income. Also, a younger person may take more risk and invest in shares and other risky channels. But the oldie will invest in very safe channel.

Investing in gold is also a good idea, if invested few months back it would have been a good investment now

Fathima,
Investment in Gold may be safe now.But if there is a hike there will be a down also.Remember it.

mention the things perfectly i am a student with pretty knowledge of finance
according to me if you are a hard earner earning lots of money per month then go for gold and mutual funds. My friend 20 years old biught 2 kg of silver 2 years back when it was around 25000 but recently he sold it for 70000 in just two years better to go like this:
1.bank and safe deposits
2.mutual and gold funds
3.buy low pricing shares whose result iss good but low profits at present. On long term basis they earn a lot for you
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