Have Rs 10 lakh to invest in 2026? Here are strategies suited for moderate investors
Planning to invest Rs 10 lakh in 2026? Explore balanced strategies designed to help moderate investors grow wealth while managing risk.
Written by
, ET Online|
Jan 03, 2026, 12:03:45 PM IST
1/5
Lumpsum investment plan
If you’re entering the new year with a Rs 10 lakh lump sum and are an moderate investor, experts offer help for these investors, as reported by ET Bureau.
ETMarkets.com
2/5
Expert opinion
The consensus among investment advisors is clear: at least 40% of this money should go into equity mutual funds, even though the stock market underperformed in 2025.
Getty Images
3/5
Juzer Gabajiwala, Director, Ventura Securities
Around 47% in equity and 14% in international equity. Rs 3 lakh in Parag Parikh Flexi Cap, Rs 2 lakh each in WhiteOak Capital Multi Asset and Nippon India Multicap and Rs 1 lakh in Kotak Global Emerging Markets Overseas Equity FoF | around 19% in debt - through multi asset funds above | 20% in gold and silver - Rs 2 lakh in Mirae Asset Gold Silver Passive FoF (Note: For the moderate investor, a small portion of the portfolio can be added to debt through a multi-asset fund to make it more attractive than debt funds due to tax arbitrage)
ETMarkets.com
4/5
Vineet Nanda, Founder, SIFT Capital
Around 62% in equity where Rs 2 lakh in ICICI Thematic Advantage Fund, Rs 1.5 lakh in Mirae Asset Flexicap, Rs 2 lakh each in Whiteoak Multi Asset Allocation, Kotak Multi Asset Allocation, and Nippon Multi Asset Allocation | 30% allocation in debt - allocation through multi asset funds for tax efficiency | 8% in gold plus REITs - Rs 50,000 in UTI Gold FoF, REIT allocation through multi asset funds.
ETMarkets.com
5/5
Nirav Karkera, Head of Research, Fisdom
Around 72.5% in equity where Rs 2.5 lakh each in HDFC Flexicap and ICICI Pru Equity and Debt, Rs 1.5 lakh in Motilal Large and Midcap, Rs 1 lakh each in Invesco Midcap and Bandhan Smallcap, and Rs 50,000 in Axis greater China Equity FoF | 7.5% allocation in debt - allocation through hybrid funds | 15% in gold and silver - Rs 1 lakh in Edelweiss Silver ETF and Rs 50,000 in Nippon Gold ETF (Allocation to mid- and small-cap funds should be deployed through systematic transfer plans (STPs) over a period of six months, while the rest can be deployed as a lump sum.)