Hi guys,
I have around 4L cash lying around which I wanted to invest. Currently, I think I am in a position to take maximum risks, and see where things go. I also haven’t redeemed the 1.5L tax deduction on Section 80c so PPF and ELSS are open as an investment opportunity.
I was worried to invest in the current equity markets. Have just put in around 6.5L into Equities in December (Split equally amongst Large, Mid, Small and Flexi Cap)
Needed advice on which seems a better option:
- Put 1.5L in PPF and the rest in Large Cap MFs since Large Caps haven’t peaked yet
- Distribute the 4L over the next year (~33k/month) and invest it in a SIP to account for market changes
- Put the entire amount into equities (1.5L ELSS, 2.5L Large Caps)
Also, needed advice if it’s better to look for a Real Estate or SGBs Investment to diversify risk? (<25 yo right now so can take a property around 40-50L to test the waters)
What are your views on the current market? I’m planning to continue investing a significant chunk (~50% salary) into SIPs all through. Should I reconsider?
