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What should be my strategy for best possible return for Retirement Planning

I am 41 yrs and annual income of Rs 9 Lakh approx with EMI on Home loan of Rs 19000/-p.m. My Monthly expenses are approx 20 Thousand p.m.I will retire at age of 58 yrs.

What should be my strategy for best possible return. Commodity/Debt/SIP ?????

Pls Guide.

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