New Delhi, April 30 -- A 32-year-old working professional earning Rs.20 lakh annually is currently investing Rs.25,000 per month via SIPs and has a surplus of Rs.10-12 lakh to deploy. In the current volatile market environment, how should they allocate this lump sum and optimize their SIP strategy to build a long-term corpus of Rs.10-15 crore? Additionally, what asset allocation and risk management approach would you recommend for someone in this income bracket?

The Indian stock markets have underperformed recently, but despite this India still offers a lot more than other countries in terms of a much more diversified nature of GDP, very low concerns on curbs on withdrawing capital back, a consistent growth, healthy corporate balance she...