Investment plan for 1Cr
How do you plan or diversify your investments if you have 1 crore rupees? Please suggest 🙏
Exactly, don't know how people ask such vague questions, especially for someone who has accumulated 1 cr
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If I had 1 Cr I cash, I'd put 10 L in FD(emergency fund), 15 L in Equity and Index MF, 5 L in Gold ETF, 30 to 40 L in Land and remaining in direct stocks.
Contrary to others, I won’t add more real estate in portfolio because by now you must be fully aware of pain that asset class bring with it.
On Index fund, I don’t think that’s the best strategy if you are a long term player. I will pick two flexicap funds, one with value investing style, another maybe with momentum style. It will keep me safe in bad times, delivers better growth in good times.
Maybe you can look for PMS offerings as well.
For your profile, I won’t be aggressively finishing the house loan, as it’s one of the cheapest leverage. Plus you don’t need too much FDs for rainy day as rentals are steady stream for you.
Yeah..I'm planning to put 5L in FD initially.. it also helps in taking the opportunity when market is down
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Sapthinker
Stealth
a month ago
Laxmi Chit Fund
MadRainbow49
Stealth
2 months ago
I would go on to invest in 30% in major theme based MFs like consumption, health care and manufacturing. Then 40% of it in nifty funds like the micro cap 250, mid cap 150, small cap 250 etc, a 10% in gold, and 20% as emergency reserves in 9% FD like stable money which can be liquidated based on market situations.
KookyAcid
Stealth
2 months ago
I am not an investment advisor but having knowledge of developing fintech apps. Here is what I think you should consider.
1. Consider opting for all cover mediclaim.
2. Term plan and insurance of say 1-2 crore including critical illness
3. Emergency funds
4. Short term equity
And long term equity
5. Mutual funds including SIP
6. GOLD bonds and ETF
7. I am keeping land as last investment because if you see the ROI on land or house is less compared to investments in MF or equity. Considering you already have atleast one owned property.
This should help you increase your returns at very good scale. Ideally your invested money should double every 5 years.
Hope this helps.
Thanks for the suggestion. I'm also planning to not invest everything in real estate.
Definitely equities are the primary choice for investment.
NinjaNinja
Stealth
2 months ago
You hire a professional
Brutallyhonest
Stealth
2 months ago
Wonder why no one spoke about life insurance and health. Consider these first over investment on emergency funds. Thank me later