Last year
The rest sits in a savings account (~3%, loses to inflation).
EquityGoldFD
Equity MFs ~13% avg, wild swings. Gold ~10%, bumpy. FDs 6.5%, steady. Inflation runs 5%.
80C cuts your taxable income. Credit card is 24% — nothing beats paying that off. Cheap loans (education 6%, home 6%, MBA 7%) just run their course.