You have a lot of time ahead of you and can plan out your surplus fund investments in a structured manner in order to reap the maximum benefits. Investing depends on several aspects like your appetite for risks, your current financial scenario and also the financial goals that you have set for the future.
There are several options available to you like SIPs (Small Investment Plans) or even equity based mutual funds where you will have fund managers allocating your investments with a view towards helping you earn good returns. You can consider stocks and shares though this requires expertise at a different level or even real estate as an investment and asset for the future. However, investing in a Fixed Deposit (FD) is also a very good option since this gives you safe and assured returns without any exposure to market fluctuations and other risks.
You can also read the Quora's question and know how 22 years boy get the investment option.
Aman is working in the domain of Investment management in one of the top universities. He has published research papers and case studies in Investment and Fixed Deposit marketplace. He is an avid blogger in the domain of Investment management. you can also find him on social networking platforms.