More work, more risk, more potential reward – You do the investing yourself (or through a portfolio manager) – Lots of research – Potential for huge, life-changing returns
More simplicity, more stability, more predictability – Hands-off approach – Moderate returns – Tax advantages
For active investing you should have plenty times. Your time should be invested for skill , knowledge, desire.
More invest is more risk and more risk results more profit or huge loss. As a beginner you should not invest more.
As a beginner you should not take more risk. It may demotivate to invest further. Take that much risk, which won't affect you after loosing it.
There is no perfect answer. It depends on your goal (long term or short term), risk taking capability. You may invest in FD, mutual funds, penny stocks.
For example, if you have a relatively high risk tolerance, as well as the time and desire to research individual stocks that could be the best way to go.
If you have a low risk tolerance but want higher returns than you'd get from a savings account, bond investments (or bond funds) might be more appropriate.