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?
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.
Thanks for the insight. Will definitely look into it.
Increase allocation in small and micro caps. Just look at their growth. Currently you are putting 45% in largecaps only.
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.
Got till. I will have a cut for silver as well.
Why silver will rise? Can you explain the rationale?
Is it physical gold ?
Yeah, wanted to start a SIP and take some jewellery.
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.
I’m 30 years, what strategy do you suggest for substantial growth?
I would suggest exploring a tool which i will provide the link at the end. They help in recommending you a portfolio which matches your risk appetite rather than you figuring the allocations.
I found it to be quite helpful, maybe it works well for you too
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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