Invest in debt funds when the market will crash then also you will get returns and you will sit comfortably. As you mentioned the amount is your savings so try to grow the money in safe ways after you get a job or you do business start taking risks to grow money.Actually I'm in my 20s at this moment and I have saved 2 lakhs by the date. I've invested around 30k in mutual funds already and continue to invest 1.5k monthly... Need more help where I can divide my savings.. please help.