Thanks for asking the question as it will help many to plan for their future.
Accordingly, this is a very apt time with the Covid-19 wave, Global Inflation, and Geopolitics at the peak leading to a correction in the stock markets.
In line with this, it is best to spread the wealth across different financial instruments to generate returns.
I have shared links to a few articles previously to provide insight into what vehicle can be chosen for getting good returns.
Hope this helps