How to invest Rs 10 lakh now: Check tips from these prominent fund managers

Kolkata: Any investment decision seems to be fraught with great risks now. The markets are going yo-yo, dancing to the tune of geopolitical tension and other headwinds and occasional tailwinds. Then there are factors at the global level and domestic level, some of which cannot be foreseen, especially at the international level. In such a market, three fund managers share tips on how one can invest Rs 10 lakh. Let's have a look at them.

Brijesh Ved is the head of PMS at Kotak Mahindra AMC. Recently he has revealed his tips in the media for allocating Rs 10 lakh among different instruments. Let's have a look at his tips. "Global growth and global macros remain resilient despite geopolitical uncertainty and disruption from trade wars. IMF has raised its 2025 world growth forecast to 3.2% (from 3.0%) in its October outlook, while retaining 3.1% for 2026... Both advanced and emerging economies saw 10 bps upgrades from the July projection, led by the resilience in U.S. activity and robust Indian growth,” Ved was quoted as saying.

He advised investment in equities in the following manner:

Large Cap: 40%

Midcap: 20%

Small Cap: 10%

Total investment in equity: 70% of the capital

Debt: 20%

Kotak Gold Silver ETF FoF: 10%

Alternate or Precious Metals: 10%

Ananda Shah is the chief investment officer PMS & AIF of ICICI Prudential AMC. "This allocation is purely from the point of view of a long term investor, who doesn’t mind short-term volatility. We believe when investing in equities as an asset class, one should maintain a long-term investment horizon of at least five years. We remain constructive towards equities for the long term, hence, the asset allocation above has a predominant equity exposure.” Shah was quoted as saying after shaing his tips.

Large Cap: 50%

Midcap: 7%

Small Cap: 13%

Gold: 15%

Debt: 15%

Shah also said that in future equity returns would be driven by bottom-up stock selection rather than broad market trends. He thinks that the Indian growth indicators such as GST collections, credit growth, capex etc can push a recovery in earnings but there are tailwinds from macro uncertainties at the global level. Stretched valuations are another concern

Sandipan Roy is chief investment officer, Motilal Oswal Private Wealth. The following is his tips on allocating Rs 10 lakh in the market now.

"Markets are at an interesting point with investors at tenterhooks due to ongoing uncertainties, but VIX, the measure of perceived risk, is at multi-year lows. In fact, Indian VIX had come into single digits just two weeks back, which was a record low,” Roy was quoted in e media as saying. he also highlighted two other points -- One, the current global environment bears a signal of normalisation after extended optimism along with rising geopolitical risk and two, momentum in AI-led earnings expectations is giving way to execution and monetisation.

Large cap stock: 10%

Small and midcap stocks: 10%

Hybrid Funds: 20%

Emerging market: 20%

Debt: 10%

High Yield Credit: 20%

Commodities: 10%

Add TV9 English As A Trusted Source

However, it must be remembered that investment decisions of an individual are dependent on his/her risk appetite and financial parameters. Therefore, it is always prudent to consult one's own personal financial adviser than blindly follow some experts advice, who is not privy to an individual's goals and needs.