Positive impactStocks
Got ₹10 lakh for your 5-year-old daughter? Experts explain how to invest it wisely to secure her future
Mint 50 min ago·4 Sept 2026, 10:37 am
A parent planning to invest ₹10 lakh for a 5-year-old daughter has a long time horizon to build wealth. Experts suggest a diversified strategy that balances growth with safety. A core approach often involves allocating a significant portion to equity mutual funds, which historically offer higher returns over long periods, while also utilizing government-backed schemes like the Sukanya Samriddhi Yojana for guaranteed returns and tax benefits.
This mix aims to secure funds for her higher education and future milestones. Equity exposure helps beat inflation, while secure instruments ensure a guaranteed corpus. It is crucial to review the portfolio periodically as the child grows, ensuring the asset allocation aligns with her changing needs and the family's risk profile.
Investors should focus on a long-term plan rather than short-term market movements. Starting early allows the power of compounding to work effectively. Consulting a financial advisor can help tailor the investment mix to specific goals and risk tolerance, ensuring the funds are available when needed.
Excerpt from Mint
Planning ₹ 10 lakh investment for a 5-year-old daughter? Experts recommend a diversified mix of equity mutual funds, Sukanya Samriddhi Yojana, and term insurance to build long-term wealth for her education and future. A ₹ 10 lakh corpus today for a 5-year-old daughter can be of immense value if invested wisely for her…Read the original at Mint
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