I have 25 lakhs in my account

What's your current ctc?

Invest 50 percent in Mutual funds and rest 50 percent in FD

In same situation

• I put 20 lakhs into debt mf and started an stp to a index fund every week of 10000.
• Started SIPs in large cap, mid cap and small cap funds
• did a monthly sip to goldbees via small case

Buy individual life, accident and health insurance. If you are rich, life/accident insurance is not required but health insurance is still recommended. Keep some funds for any emergency purposes. Invest Remaining in mutual funds based on your time line and goals.

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Since you're young,

1. Buy a good term insurance with it first. Contact Ditto - those guys are awesome
2. Put aside 6 months expenses and put into a liquid debt fund which can be easily retrieved.
3. Buy a good health insurance for you and yours parents if necessary.
4. From the remaining lot, Put 40% into good blue chip stocks Put 20% into small cap and mid cap MFs. Put 20% into an FD Put 10% in your bank account. Use the remaining 10% to understand how the stock market works - dabble with few small cap and mid caps - but, hold and sell whenever you feel to understand the business so that eventually you can make more returns.

If you just want to invest that money and might not need that money in like 5 years, do a combination of SWP and SIP. Rotate the amount that you get from SWP into SIP. You will build a good capital in 5 years. Based on your life goals, take that lumpsum after 5 years and start investing in alternate asset groups like real estate

25 lakhs is very less amount to think that much. Invest in nifty 50 stocks for long term and keep adding every month.

Spend some part of it on something that you think you deserve. Experience or material things (anything that you might have missed because of the lack of money)

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