Investment plan for 1Cr

Depends on your age, goals, family obligations and risk apetite.

If I had 1 Cr I cash, I'd put 10 L in FD(emergency fund), 15 L in Equity and Index MF, 5 L in Gold ETF, 30 to 40 L in Land and remaining in direct stocks.

Index, index and index.

Laxmi Chit Fund

I am not an investment advisor but having knowledge of developing fintech apps. Here is what I think you should consider.

1. Consider opting for all cover mediclaim.
2. Term plan and insurance of say 1-2 crore including critical illness
3. Emergency funds
4. Short term equity And long term equity
5. Mutual funds including SIP
6. GOLD bonds and ETF
7. I am keeping land as last investment because if you see the ROI on land or house is less compared to investments in MF or equity. Considering you already have atleast one owned property.

This should help you increase your returns at very good scale. Ideally your invested money should double every 5 years.

Hope this helps.

You hire a professional

Wonder why no one spoke about life insurance and health. Consider these first over investment on emergency funds. Thank me later

I would go on to invest in 30% in major theme based MFs like consumption, health care and manufacturing. Then 40% of it in nifty funds like the micro cap 250, mid cap 150, small cap 250 etc, a 10% in gold, and 20% as emergency reserves in 9% FD like stable money which can be liquidated based on market situations.