Fine, I have heard of many pension plans or future income generators plans in India. I don't know if all those suits you. If you are in US, then this is the right time to invest in real estate is what I suppose, as their economy is going down, you would get land for a good low price. But this will not be the case for ever and US economy would be back in soem days or months so that you will see a good profit by then.
I also think if you can invest in stock market. Don't gamble with your shares. Buy some good company shares and it is sure to go high some day. Sell it then. In this way, share is also a riskless business only. But you are to insure your future. So, decide carefully.
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