For conservative investors planning a lump-sum investment of Rs 10 lakh in 2026, advisors suggest a roadmap prioritizing equity and debt. A significant portion, around 43%, should be allocated to equity mutual funds, with an additional 4% to international equity. The remaining 38% is recommended for debt through multi-asset funds, and 15% for gold and silver. Hybrid funds are highlighted for their capital protection and inflation-beating potential across asset classes.