You need to build a portfolio matching your own interests.
A portfolio can have
- Normal Savings
- High return deposits (FDs, money market etc)
- Real estate investment
- Commodities (Gold, Silver etc)
- Index funds
- Individual equities
You need to consider factors like risk, return and liquidity when balancing your portfolio.
For examples,
- Savings & deposits are low risk and low return.
- Real estate is low risk, high long term return, yet liquidity is low.
- Equities (share market) high risk, high return
Depending on your risk appetite you can diversify your portfolio.