Wealth managers advise first-time mutual fund investors, and those moving money from fixed income products, to invest gradually instead of committing large sums at once. This slow approach helps align investments with individual goals, risk appetite, and time horizons, says ETBureau. Experts recommend starting slow and building the portfolio over time with a mix of equity, fixed income, international equity, and precious metals based on one's risk profile. Aggressive investors can opt for higher equity exposure, including mid- and small-cap funds. Conservative investors are advised to focus on large-cap funds, fixed income, and precious metals, often via hybrid or multi-asset funds. Young investors with long time horizons can begin with Systematic Investment Plans (SIPs) in diversified equity or index funds tracking benchmarks like Nifty 50 or Sensex. Conservative investors may start with multi-asset allocation funds and add asset classes according to long-term goals. Aggressive investors should consider staggering equity investments over six months to reduce volatility. Investors seeking temporary parking of funds can look at arbitrage funds or short-duration debt funds, especially if in lower tax brackets. Mid- and small-cap funds are not recommended for beginners or those new to equity; such investments should start only after gaining comfort with equity markets. Seasoned investors may allocate up to 10% of their portfolio to thematic funds but are cautioned to avoid narrow sectoral funds due to timing risks. Staggered investing helps manage market swings effectively, says wealth management experts.