My sister has received a lumpsum settlement post being laid off and has about 30 lakhs to invest.
Age: 26
Liabilities: None
Dependents: None
Investment Type: Moderate Risk Apetite
Monthly Costs: Not much except groceries
Emergency Fund: Not there currently, but may not be required with 3 income streams in the family
Existing Portfolio:
28 lakh in Mutual Funds across equity classes. Majority in Nifty 50 Index and Parag Parikh Flexi Cap. Some money in Quant and sectoral funds like Banks, Green Energy.
12 lakh across stocks
Built up a sizeable MF portfolio as Dad and I contributed 10k each to her SIPs since she was 18 till she got a job at 21.
What's the best way to go ahead with the investment?
Was exploring Short Term debt with SWP for 24 months. Open for better ideas (Skip real estate as we have no clue)