Have Rs 10 lakh to invest in 2026? Here are strategies suited for moderate investors – Lumpsum investment plan

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.