Choosing the right investment instruments at the right age is very important.
We suggest you take a larger exposure to equity when you are younger and scale it down as you advance in age. A rule of thumb is to invest 1 - your age into equity (i.e. a 30 years old investor would invest 70% of the total wealth into equity) instruments and the balance into debts.
To start with, your Employees' Provident Fund (EPF) would put you on track as it takes away 24% of your cost to the company (CTC) and gives you a return on that money. Currently the return is 8.5%. Remember to transfer that kitty every time you change jobs.
For more options, go beyond insurance and fixed deposits and use the growth that an equity can give to your portfolio.
You need not be investment savvy to reach your financial goals, you just need to save according to your age and invest the money well.