Sensex can zoom upto 40000 in two years or can drop back to 10000.Here a lot of risk is involved.Markets are more speculative in nature. In this circumstances your investment should be varied.Invest 50 percent in Real estate (buy a house),10% in Bonds/postal etc,10%in gold,10% in Mutual Funds and remaining 30 % in Stocks. Of the stocks holdings,,keep 10% for 2 year,20% for 4 year,30% for long term and remaining 40% could be used for booking profits and re investing during fall. Choose the best stocks in practically all the available sectors.