Where to invest Rs 1 lakh right now - gold, silver, stocks, mutual funds? 7 wealth and fund managers decode the correct mix
Times of India
by SMRITI JAINFebruary 25, 2026
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Investors looking to allocate ₹1 lakh wisely in today’s uncertain financial landscape face tough choices between stocks, mutual funds, gold, silver, and fixed deposits. Wealth and fund managers from leading brokerages suggest a diversified approach tailored to individual risk profiles and investment horizons. While there is no one-size-fits-all solution, experts broadly agree on the importance of balancing growth-oriented assets like equities with stable, inflation-protected investments such as gold and debt instruments.
Prashant Joshi of Motilal Oswal Asset Management recommends a long-term strategy focusing on equities for robust returns. He advises a mix of active funds, sectoral or thematic ETFs, and index funds to achieve broad market exposure while managing risk. Equities are highlighted as the primary driver of wealth creation, with a historical CAGR of 12% over 25 years, though diversification remains crucial. A suggested allocation includes 70% in equities for growth, 10-20% in commodities like gold and silver for stability, and 10-20% in debt instruments such as FDs or PPF for liquidity and safety.
Rahul Jain of Nuvama Wealth emphasizes a balanced approach for moderate-risk investors with a 3-5 year horizon. He suggests splitting investments into 50% equities through flexicap funds, offering stability across market trends, and 40% in debt instruments like government bonds or FDs to generate predictable income and reduce portfolio volatility.
Given the global economic uncertainty, such strategies matter as investors seek to navigate inflationary pressures and market fluctuations. Gold’s role as a safe-haven asset during downturns underscores its importance for stabilizing portfolios, while fixed deposits provide a steady return stream. By focusing on long-term wealth creation rather than chasing short-term gains, investors can build resilient investment strategies that adapt to changing economic conditions. This balanced approach not only enhances returns but also ensures financial security in an unpredictable world.
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Originally published on Times of India on 2/25/2026