mutual fund investment

Presently, I am 40 years old. I have completed Diploma Electrical Engg in 1996 and started job (Even though I want study but economic situation of home) with 2000 Rs. in one company. I continued there 13 years to fulfill my requirements like my small sister marriage, father medical problem, My marriage (2005) etc. Finally, in 2006 I bought home (Bharuch, gujarat) of 6 lac with 4 lakh home loan. I completed it in 2010 (using PF and savings). Then, I moved Africa in empty hand. During 3.5 years job, I saved 30 lakhs and taken home in (Anand, gujarat) in cash. Then, I leaved Africa and stayed home 6 months in 2013. On March 2014, I got job in Saudi arabia. Presently, I am here. In 2015, I sold my Bharuch house in 25 lakhs. My total savings I put as below -    Post office SCSS - 15 Lakhs (father name) + FD Bank FD - 24 lakh mother name Post office TD - 11 lakh my name Post office TD - 8 lakh wife name Post office MIS - 9 lakh   I opened demat account in 2015 by putting 15 lakhs. But, market was going down so I removed money by 4 lakh loss. But, after reading blogs of you and some other authors, I realised my mistake. Previously, I was scared so put money in FD and post office TD. Post office SCSS and MIS is OK to run my family as my job is on contract (no consistency). Last six months , I read lot. So, I came to conclusion to start SIP and presently, I invested in stock market 25 lakhs also for long term. Presently, my salary is 2.7 lakh and contract be over in december 2018. Then, I want to come India to live with family. So, please suggest me that investment to ( roughly 40  lakhs more will get). Then, I have to find income source India. I have confidence to do it but meanwhile I will run my family through SCSS and MIS income. Please suggest me for my goals - 1. My son 10 years old. So, after 10 years higher education 2. I want retirement at 55, so, corpus for retirement after 15 years 3. First child marriage after 15 years 4. Second child (son) education and marriage after 20 years and 25 years respectively I have only 3 lakh sum insurance with premium 5500 money back policy since 1999. It will mature after 8 years. I have no any medical insurance for me and my family. But, I kept 10 lakh in FD for this. I came to know term insurance a year back, I thought and decided no require because I have total 1 crore now. To insure same amount I have to pay around 35000 as per my age. Moreover, I will earn 40 lakhs in further 17 months. So....   In short, please advise how I can invest 1 crore amount to achieve my above mentioned goals of long term please.