(i) Invest regularly in the Contributory Provident Fund
(ii) Invest through SIP for at least ten years in a good equity based hybrid fund, which is often called balanced fund.
(iii) Have a term insurance and a health insurance (if the employer doesn't provide the same).
(iv) Open a NPS account and invest regularly in a systematic manner for tax benefits under Section 80CCD of the IT Act and for regular pension after reaching 60.
Caution: Explosive. Handle with care.