Middle Class Salaried Investing in India

The following is an advice for middle class salaried person's investing plan...

The investment should be broadly in the following four categories

1. Savings for the future(LIC policy is a must)[30 %]

2. Mutual Funds (SIP =Systematic Investment plan is the best route to invest in mutual funds)[40%]

3. Direct Equities investment[15-20%]

4. Investment in gold is a really a good option since it appreciates with time for sure[10-15%]

% - % of your disposable income excluding your montlhy expenses.

Apart from LIC, you should also have medical insurance and general insurance to insure your immovable assets.