Analysts suggest a strategic asset allocation for investing ₹1 lakh in 2026, emphasizing a comeback for equities after precious metals' strong performance in 2025. While gold and silver saw significant gains, the Nifty 50 offered modest returns. Experts recommend a balanced approach with selectivity, anticipating higher return dispersion. A suggested allocation includes 30-40% in mid to small-cap equities for potential capital appreciation, driven by expected market revival and earnings recovery.