I am 25 years old and will be joining a multinational financial services company in Gurgaon in April, with an annual CTC of ₹13 lakh. I have just started investing ₹10,000 per month in a systematic Investment Plan (SIP). Additionally, I invest ₹20,000 annually in public provident fund (PPF). I will be getting married in a couple of years. I plan to buy a car worth ₹20 lakh in 5-6 years and retire at 60 years. What is the best way to invest and get decent returns?
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