Vishal and Amrita have accumulated assets worth Rs. 89 lakh through investments in real estate, equity, debt, insurance, and cash. Their 8-year old daughter Nidhi also has some investments. The portfolio is skewed towards debt and lacks liquidity. It is recommended to redirect fixed deposits and cash into more liquid and higher-returning equity and alternative investments. Insurance coverage also needs to be enhanced, especially for critical illness. Funds should be set aside for Nidhi's education and marriage milestones through child plans of moderate-to-aggressive risk.