Handling Money and investments

Managing the Assets is very difficult. Today we earn a lot in terms of dollars, Pounds and other currencies that converts to big Rupee amounts.We often keep this either in savings. checkings account. The banks pay interest rate of 8.75% per annum that is the best either we can place this money in fixed deposits or Recurring deposits.If we think of investing money in buying a  flat/apartment which has become  a common trend now-a -days please note this would be idle investment because you are not staying in that apartment you are living in different county either you have to rent or lease but still then you have to pay the maintenance charge for the apartment. Also you should be prepared to keep it empty if you are not able to find a tenant. If you ever plan to sell the apartment you brought the value you get back would be 40-50% lower than what you brought for plus the broker and advertising charges think about it how much of a lose it is.Let's say we buy a new land in India with the money we earn abroad , do we know if we do not build a house and occupy and keep it under our vigilance , some person can build a house in our land and if he starts to live for a long time and when we return its not our property its his since he is the one who is living there for a long time ha. Now what would be the best way to invest or keep money to my understanding keep it in your account, invest in stocks and shares or even in mutual fund take your family on vacations and be happy.