Where to invest in current scenario where return in all investments are pathetic ?

Hi friends

I have roughly foll investments.

FD yielding Weighted avg : 8.75%

MF Sip (HDFC200, ICIC focused, HDFc Bal, Uti opp, sbi bond ) cumulative way since last 3 years is 5 to 6 %

direct Equity : negative 3%

LIC : unknown but on XIRR it wont be more than 7%

Gold :  negative.

ULIP: 6%

am actually thinking on where to invest. I guess  not a single asset class has given substantial returns in last two years.