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1. Invest in forcible funds - systematic investment plans of several mutual funds (Target large cap and infrastructural funds), You can also have some in select mid cap and small cap funds. This ensures you contribute regularly from your salary. SIPs average out the variation in a year in the NAV and much reliable. However, You need to be long term in volatile market to earn better from your saved salary.
2. If you are worried of investing in funds, there are debt instruments available - Even gold is good one to invest. But today gold is highly volatile. Buy Gold ETFs when prices dips and leave it for long.
