Daybreak Where to invest Rs 1 lakh, Rs 10 lakh, Rs 1 crore
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Jan 12, 2026 Investing can be overwhelming, but understanding your surplus is key. For Rs 1 lakh, simplicity is crucial, while Rs 1 crore allows for more complex strategies like private equity. Advisors advocate for gold as a hedge and suggest REITs for real estate exposure without the hassles. They emphasize goal-based allocations, stressing the importance of emergency funds and avoiding heavy reliance on fixed deposits due to tax implications. Ultimately, tailor your investment choices based on life stages and risk tolerance for optimal results.
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Scale Changes The Investment Question
- Scale changes the investment problem: Rs 1 lakh, Rs 10 lakh and Rs 1 crore require different approaches.
- Advisors say the size of surplus fundamentally alters suitable instruments and strategies.
Selective Realty Picks For Wealthy Investors
- Dipesh Raghur recommends selective real estate for the wealthy: commercial property or plots for rental yield and appreciation.
- He warns against residential housing due to low yields and heterogeneity unless you have specific location insight.
Look Beyond The US: China And UAE Picks
- Some advisors recommend non‑US international exposure like China and UAE ETFs to capture different valuations and hedge rupee risk.
- China trades cheaper on earnings versus the S&P 500 and may offer AI/tech growth opportunities.