I am 21 years. Joines my first job. I get Rs. 25000 p.m. The job has pension after retirement. Since I live with my parents, I have per-month surplius of Rs. 10,000. Where and in what manner should I park this surplus? I am looking for financial planning for my life-time – long horizon. My salary will increase only and I have no liabilities at least for next 10 years. Thereafter, normal liabilities of life (family, child-birth, their education etc. etc.) will present themselves. Can you please give some tips?