<prompt> Human: Its been a year since Ive started earning, but apart from life insurance, I have nigh zero savings. Took a conscious decision this year to save 80 USD per month.I know of fixed deposits and mutual funds. What are some ways I can invest this money, so I can get at least a sizeable chunk out whenever I need to.Im from India. Any inputs would be really appreciated.  <response>: You said apart from life insuranceTypically insurance shouldnt be used as a savings investment vehicle... how much are you paying for insurance and what do you get for that money? 