₹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.
Coke and hookers.
As long as you are okay with fake coke and STD hookers ₹10k would do
Bangalore dude has no idea how far 10k goes in Delhi NCR and other North Indian states.
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 💯
Keep it simple for such a small pf and SIP . + 1 for Parag Parikh. It is more like a PMS
Heard about Parag Parikh for the first time here. Will look into it
Small caps mutual funds
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