Where to invest ?
Where and in what do I invest in with a savings of 10k ? Which is my total savings amount for the month?
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Curated from across
₹5000 - Small cap mutual fund 💹
₹2500 - Gold ETF 🥇
₹2500 - Silver ETF 🥈
Investment horizon - Above 10 years
What’s the reason behind diversifying like this? Rather than how others are saying to go all in for Index/small cap
Gold and silver are relatively safer than small cap.
1 or 2 adverse global incidents and small cap returns will go for a toss.
Precious metals can provide the much needed cushion against unpredictable scenarios.
Depends on your persona (risk appetite and expected returns, liquidity needs)
Option 1: Bonds
If you want to go for safer options, then you can explore Wint Wealth for bonds ( expected returns are around 10-12%) or can use Stable Money for investing in FDs at 9-9.5% expected return.
Option 2: Stocks
But if you're looking for greater returns than that, can pursue fundamental analysis for investing, ( can follow KamayaKya or different advisors).
Pick 1 industry and see what all companies are emerging in this. For example: I was excited about the semi conductor industry in the next few years. And made a list with different companies across the value chain and shortlisted good prospects.
But this is something when you have to devote 2-3 hours a month to make an investment decision. It helps in the longer run and you'll be a more skilled investor.
Option 3: Can use smallcase for investing in MFs
Option 4: Gold, silver, etc. (As suggested in the thread)
Speaking from personal experience, my journey was similar and I opted for Option 2 at the start and later on explored different options. All these options have their own nuisances.
Happy to answer any questions!
Thank you!
Will reach out 💯
Small caps mutual funds
Where and in what do I invest in with a savings of 10k ? Which is my total savings amount for the month?
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Hookers and Coke, go enjoy life