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Investement tips required for future planning

Hi,
I recently got married and starting to think to invest my savings in a systematic manner,but I dont have a correct idea on where and how to invest my money
Below are my details of my financial details and am ready to invest atleast Rs 10,000 per month
Please let me know on how to proceed with my investments
My age is 28 and current salary is 70,000/-
Current Loans:Home loan=> 24 L ,paying an EMI of 23,500/-
Have an ULIP policy worth max newyork life where am investing 36K/year from last 4 years
Have an LIC policy of worth 5L
Please suggest me some mutual funds/heath insurances where i could get some good returns
Also am thinking of investing some money in Gold ETF’s. So would it be a better idea than investing in physical gold??
Would be very grateful of any responses received

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