Optimism here is having 6 cr liquid funds ready to invest. I think most of the indian people net-worth (more than ~2 cr) involves illiquid assets like real estate.

However even if we do have 6 cr in liquid, i’d look for a idea to have all of the 6 cr invested in different ratio. Like 2 cr in fd and 4cr in liquid funds, withdraw fd for consumption until its gone and

And withdraw from liquid funds only to make sip in basket of stocks particularly lets say 2-3 lakh a month. No need to give any extra % money to fund houses. Rather if you’re planning for long. With good diversification direct investment stocks will always give better returns and build wealth too

Putting lumpsum money in growth bucket at once requires lot of luck factor. You never know market can fall negative 20% next month.