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  1. Insurance is not Investment. Go for mutual funds for investment. HDFC TOP 200 / DSPBR EQUITY / Birla Sunlife Frontline Equity / DSPBR TOP 100 are good options. Stick to large cap diversified funds. Invest via SIP. Avoid Sector funds and NFOs. Invest only in the top value research rated funds. (5* or 4* ).