Sip

Surinder investment plan (SIP)

Invest in EPF (12.5% basic + equivalent employer share)

Employer Share:
Invest in EPS (8.33% : upper cap :fixed amount : 1250 RS X 12 months = 15k)
Invest in EPF ( 12.5% basic - EPS )

Invest in NPS tier 1 (10% basic + 50k)
Invest in PPF (1.5L)
Invest in SSY (1.5L)
Invest in NPS tier 2 (same as tier 1)

Invest in Mutual funds (only in top 10 house by amu)

Each fund house : limit to two or three  (diversified, large, mid)

Each mutual fund : cap : do not exceed monthly gross

Invest in Equities (choose close to 200 ..trim them with time and experience on corporate governance and other things).