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Yes u have to invest in sharemarket. Otherwise inflation will eat your money silently. Do not keep your money stagnant. If you just save money by putting it your safe it will loose value over time. If you have Rs.1000 in your safe today and you keep it there for 10years or so, it will be worth a lot less after 10 years. If you can buy something for Rs.1000 today, you will probably require Rs.1500 to buy it 10 years from now. So do not keep money locked up in your safe.
Always invest money.
Secondly: When investing, you have to make sure that the rate of return on your investment is higher than the rate of inflation.
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