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financial planning

i am interested to get advises on the following matter.

I had to struggle in life for earning money and just have retired. At present there are 4 members in my family. Unfortunately, i could not able to save adequate money before retirement. I have calculated that my monthly earning against interests on fixed deposits to banks is around 22k, EPF is 1.5k only & besides i have around 3.5 lakhs in savings a/c.

I have two sons who are now doing higher studies (p.hd & m.e.) and they are economically not dependent on me for studies. Wife is just a house wife. However, i have a 2-storied building.

Would you please advice me the all possible ways by which my rest of the life after retirement will be risk free & tension-less. I shall be ever grateful on finding the right path.

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