Investment options for retirement

If you have understood by now, the importance of generating a retirement corpus here are the few options that where you can look at investing your hard earned money.Equity: If you have more than 15 years to go for retirement, look at investing in equity shares as this could give you the best returns.
Fixed deposits: Safe and secure, but does not provide great returns. Good for risk averse people.
Insurance: Should be purely used to cover risk, and should not be used as an investment tool. If you are adequately insured and have additional corpus, can invest in ULIP’s with a long term view. Provident Fund: Employer and employees contribution towards this fund generates a good corpus. Best option for government employees as returns are non-taxable for them.
Public Provident Fund: Best feature is the lock-in period of 15 years with the power of compounding.
Mutual funds: If you do not have knowledge about equities, consider this option. Expertise of the fund manager help you maximize your returns.Property: Appreciating asset in the long run. Expensive options to invest in prime cities. Not for all.
So what do you prefer?