By Niveshkarlo
August 19, 2026
Before Investing, Build Your Safety Net A simple priority order: 1. Emergency fund Keep around 3–6 months of essential expenses accessible. 2. Health insurance Don’t depend only on employer coverage. 3. Term insurance Consider it if someone depends on your income.
Where Could ₹10 Lakh Earned Income Go? Instead of searching for one “best” product, divide your investible surplus according to your goals. Long-term wealth: Equity mutual funds / diversified equity exposure Retirement: EPF + NPS, where suitable Short-term goals: FDs / debt-oriented options, depending on the goal Diversification: A limited allocation to gold can complement the portfolio.
For AY 2026–27, the new tax regime has a ₹4 lakh nil-rate slab, followed by 5%, 10%, 15%, 20%, 25% and 30% slabs as income rises.
Instead of waiting for the “perfect time”: Automate your investments every month. A salaried investor could consider: SIP → long-term goals EPF/NPS → retirement planning Debt/FD → near-term needs Gold → diversification Increase your investment amount as your salary grows.
For a ₹10 lakh salaried income, a strong financial plan should typically follow this sequence: Protect → Save → Invest → Diversify → Increase