The challenges with investing increase as your corpus size increases. Investing Rs 10,000 may not require you to spend days on where to put the money. However, if you have lakhs to invest in, it requires a well-thought-out strategy that aligns with your financial goals, risk tolerance, and investment horizon. High Net Worth Individuals (HNIs) in India, with assets exceeding ₹25 lakhs – ₹ 5 crore, have several lucrative investment options. In today’s article, we look at some investment plan for HNIs if you have a large corpus. But how would you select the best investment option for yourself? We will help you understand that also.
Assess Your Financial Profile
You need to understand your individual circumstances before you narrow down your investment options. Let us look at all the points you need to consider:
- Age and Life Stage: If you are in your 20s, with a longer time horizon, you can afford to take on more risk, while someone closer to retirement might prioritize capital preservation and regular income.
- Risk Tolerance: How comfortable are you with potential market correction and temporary losses in your investments? It will help you determine the allocation between riskier options like equities and safer options like debt.
- Financial Goals: Why are you investing? Retirement, children’s education, a down payment for a house, or simply wealth creation? The time horizon for each goal will influence your investment choices.
- Investment Horizon: How long are you willing to stay invested? Short-term investment (less than 3 years) typically require more conservative investments, while long-term investing (5+ years) can accommodate higher-growth potential assets.
- Income and Expenses: A stable income and manageable expenses provide a financial cushion and allow you to stay invested during market downturns.
Investment Option With Large Corpus
Here are some investment options to consider:
Fixed Deposits (FDs): A traditional and safe investment options in India for ₹25 lakhs that will give you guaranteed returns for a fixed tenure. To optimize your returns, you can consider laddering FDs with varying tenures to manage interest rate risk and liquidity. In 2025, you will get around 7% to 8%, and you need to evaluate if you will be able to achieve your goals with these returns.
Gold: You can also invest in gold as they have been giving good returns in the recent past. You can invest in physical gold or Gold ETFs (Exchange Traded Funds). ETFs provide a convenient and liquid way to invest in gold without the hassles of physical storage. However, gold should be only 5% to 15% of your total investment. How much exactly will depend on several factors.
Debt: You can invest in debt funds or bonds. For short-term investing, you can opt for short-term debt funds as they have lower interest rate risk. For higher returns in the debt category, you can opt for corporate bonds – they provide higher yield potential than government bonds but with slightly higher credit risk. You should always choose funds with a good credit rating.
Equity: You can invest your lump sum corpus in equity via mutual funds or direct equity. You can invest in different mutual funds if you want to go via that route. Alternatively, if you want the best returns from your investments, you need to invest directly in equity. Your equity investment should be divided as below:
- Large-Cap Stocks: Invest in well-established, blue-chip companies. These companies offer relative stability compared to mid and small-cap funds.
- Mid-Cap Stocks: Offer higher growth potential than large-caps but also carry more risk. Allocate a smaller portion based on your risk appetite.
- Small-Cap Stocks: Highest growth potential but also the most volatile. A smaller allocation is advisable, especially if you have a moderate risk tolerance.
The key point is that it is not easy for most investors how to pick the right stocks and when to exit them. So, one of the solutions is to use artificial intelligence to invest in stocks.
At Jarvis Invest, we have created plans to help you create and manage your equity portfolio. The plan is also ideal for Non-Resident Individuals (NRIs) who can’t track the Indian market. As an NRI, you can use AI and let the technology create and manage your portfolio. Even if you have lakhs to invest, the AI technology at Jarvis will help you invest in the equity market.
Check our website for more details – www.jarvisinvest.com. You can choose a plan that meets your investment needs.
Before you go
Investing a large corpus requires a disciplined and strategic approach. The plan outlined above provides a framework for diversification across equities, debt, and gold, aiming for a balance between growth and stability.
However, remember to tailor the above details to your financial profile, regularly review your investments, and stay informed about market dynamics. By following a well-defined investment strategy and managing risk effectively, you can work towards achieving your financial goals. If you cannot do it on your own, use Jarvis ai. For personalised investment strategies and expert advice, it can help you secure your wealth.
