New Delhi, April 1 -- Being a salaried individual who has invested only through the provident fund so far, I now have Rs.1.5 lakh available each month to invest. What investment avenues should I consider across low-, medium-, and high-risk instruments to build a corpus of over Rs.1 crore in the long run?

Good to know you have been saving in a very disciplined manner. However, despite the discipline maintained, your portfolio has clearly lacked the diversification and high-growth potential that other asset classes offer.

Though the last few months might have proven your stance to be better than others', make no mistake that, over the long term, equities have and would generate better returns than fixed-income avenues like PFs.

Not to un...