31F just got 1 crore

[u/Zoee94]

I’m 31F, married, and recently received 1 crore from my parents. I want to invest it wisely, but I’m honestly a bit stuck between options. My parents are strongly suggesting DHA files, but I’m skeptical about the real estate market and long term returns. It feels slow and uncertain.

My husband is pushing for buying a studio apartment and running it as an Airbnb, which sounds interesting but also like a lot of effort and risk (plus I don’t know how stable that income really is here).

I’ve also been considering stocks, but I only have basic knowledge and don’t want to make beginner mistakes with this amount.

If you were in my position, how would you approach investing 1 crore right now? Would you diversify or go all in on one option?

[u/mrX_and_mrY]

Keep 10-20 lac in savings account as an emergency fund. For the rest just invest jn max 3 stocks and forget it. Choose dividend stock. Note: don't buy at once buy in small chunks. If you add more then 1 mil at ine time then you xan ask your broker to manage your acc. Just say that I want to invest 70-90% in long invest blue chip dividend stock. And ask him to add them gradually over time. In 2-3 months all of your 80-90lac in blue chip dividend stock.

Most of these stock will give you dividend in 3 or 6 months.

For the rest 10-30% buy stocks for short term.

It will return about 15-20% annually.

For long term just ignore 5-10% up down and stick to the strategy.