You are a working professional making a decent living out of your job. Your investing methods should also make money for you have so that you have a passive income through them.
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πππβπ¬ ππ§πππ«π¬πππ§π: Various asset class and their participation in your overall portfolio. So lets say you have Rs 1000/- invested.
ποΈ Savings Account / FD (5%, Rs. 50/-)
ποΈ Mutual Funds (25%, Rs. 250/-)
ποΈ Equities / Stocks (10%, Rs. 200/-)
ποΈ Real estate (35%, Rs. 350/-)
ποΈ Govt. Schemes NPS, PPF, Sukanya (5%, Rs. 50/-)
ποΈ Bonds (5%, Rs. 50/-)
ποΈ Metals (10%, Rs. 100/-)
ποΈ Liquid Funds (5%, Rs. 50/-)
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π Donβt get confused if your investments donβt match the above.
πThis is a final dispersion of the wealth that you have created, if you are in the process, this can be used as a benchmark.
π Other that the savings and the liquid funds all other categories can have a (+-) deviation of 5%.
π If the equity markets are down you donβt have to worry, Your money is well diversified to counter it.