Liquid wealth - 50 lakhs, how to invest ?

Keep 10 lakh in fd for emergency..
put 20 lakh in mf large ,mid , small and 250 midcap index. Start doing lum sum since market is falling
Rest 20 in equities- low pe good fundamentals

Buy gold, these days gold is appreciating like anything.

PMS - assuming that you have found a good PMS that you trust, the only challenge will be you having to pay advance tax every quarter out of your pocket because your PMS manager will keep reinvesting funds. You need to ensure you have the spare cash for that.

My suggestion, would be to go with mutual funds, that’s the most tax efficient.
Once you have over 1cr, put 50L into a PMS

If I want to invest 50 lakhs, I would choose real estate.

Any asset except "coins" lol

Don’t even think of PMS until you cross 4cr in your total corpus.

Thumb rule 6 months of salary = liquid fund ( no matter how much you itch or get a fomo of equity)

Rest deploy in MFs directly or get a wealth advisor / CA via a STP route. Not more than 3-4

1. Large cap index
2. Flexi
3. Mid/smallcap
4. International US FoF or multi asset which has good + debt .
5. ELSS for tax saving if your PPF/NPS/EPF don’t provide 1.5 lac of saving .

Choose for funds which have 5-10years of consistency rather than top returns in 1-2 years .

Working in a PMS, to be honest, we are not making money for clients in current market situation due to SEBI coming with back to back rules and regulations for Derivatives segment (Future and Options).

Real estate is generally a safe bet

Go for PMS. And from regular monthly salary, you can start saving in FD and investing in stocks/MFs

Buy gold nd keep it safely, in future u will also feel like king 🔥