I would buy myself a house/flat in India, invest that way, maybe a larger house and take boarders so I did not have to pay as much on the mortgage each month. Or, if I really wanted to live with my parents; I'd buy a house and rent it out so it covers the mortgage and also makes me a little money (for upkeep/repairs, etc.). I would buy land/property; that will always improve. Even now, though it will take awhile, property values will inevitably go up. Having someplace to live, is never a bad thing!