Advice needed: Finalcial planning.

I am a Software Engg earning 65k p.m, i have the below investments.

* 2 Nos of 1Lac each

Life insurance:
Jeevan Saral : 33k p.a
LIC Term plan : 17k p.a (50 lc cover)

Online term plan :5k p.a (25lc cover)

Pension plan
ICICI Prudential Lifestage Pension : 30k p.a

I am looking a investing a surplus of 40k p.m (long term 10+ yrs), options that i need suggestions on are:
* Recurring FDs
* MF
* Bullion

These would be for my long term goals of retirement etc

Please suggest if i need to tweak my existing investments and also suggestions for new investments.

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