For investors aiming to deploy ₹10 lakh in 2026, a strategy suggests allocating at least 40% to equity mutual funds, despite a recent market underperformance. Recommendations include 47% in domestic equity and 14% in international equity, with specific fund suggestions. An additional 19% is advised for debt via multi-asset funds for tax benefits, and 20% for gold and silver investments, including a gold-silver passive fund.