Investment advice
I’m ready to invest 1L per month. My investment breakup is
30% (₹30000)in stocks (mostly targeting on dividend yield)
20% (₹20000)in Gold
50% (₹50000)in MF
-> 30% (₹15000)of this in large cap
-> 20% (₹10000)of this in Index fund
-> 10% (₹5000)of this in Small cap
Does this strategy work for wealth growth? Or what other strategy you suggest?
30% (₹30000)in stocks (mostly targeting on dividend yield)
20% (₹20000)in Gold
50% (₹50000)in MF
-> 30% (₹15000)of this in large cap
-> 20% (₹10000)of this in Index fund
-> 10% (₹5000)of this in Small cap
Does this strategy work for wealth growth? Or what other strategy you suggest?
You should check the overlap between large & index funds, my guess is significant!
My suggestion would be to add a Flexi-cap.
Keep a part in debt & gold can be in ETF form.
Increase allocation in small and micro caps. Just look at their growth. Currently you are putting 45% in largecaps only.
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20% in gold is a good idea but I would say do 10% in gold and 10% in silver, the demand for silver is going to rise. You’ll make a lot more with silver, than anything else in the next 20 years.
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What's your age? This seems to be a very conservative approach, and won't create any substantial 'wealth' unless you remain invested for 8-10 years.
PS: In today's inflation infested times, 1cr doesn't comfortably fall within 'wealth creation' if you are thinking in terms of retirement corpus.
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If under 30 increase small cap and midcap exposure. And yes flexi cap instead of large cap. Other than that looks good
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