If you’re entering the new year with a Rs 10 lakh lump sum, the first question to answer is not where to invest, but how much risk you can stomach. 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.
Agencies
Multi-asset and hybrid funds—last year’s stand-out performers—remain the backbone for diversification and tax efficiency. Gold and silver, the darlings of 2025, must continue to feature in portfolios, while international equities is reserved for those willing to take moderate to high risk.
Agencies
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