Rahul_Modi
Rahul_Modi
Google

Need suggestions on restructuring personal investments 💰

I'm a 22-year-old with a monthly salary of ₹68,000. Currently, I have ₹5,00,000, split between cash and various investments in Mutual Funds, stocks, etc. I plan to restructure my portfolio according to the following allocation and also initiate monthly SIPs of ₹35,000. Looking for suggestions on refining this allocation, and what should be my monthly SIP investments?( Please suggest the MF/ETF categories to consider)

Current plan: Gold - 10% Stocks - 15% Mutual Funds/ETFs - 40% Bonds - 30% Experimental Investments (REITs, P2P, etc.) - 5%

Note:

  1. This fund is exclusively for investment, and I maintain a separate emergency fund.
  2. I've been working in finance for the past 3 years and am familiar and open to diversifying into different and more complex financial instruments.

Suggestions on this are genuinely appreciated.

12mo ago
Theeverangry
Theeverangry
Swiggy12mo

Until you have your own family (wife and kids), invest in high risk, for high returns As you grow old, you can reduce high risk and increase low risk

Brutallyhonest
Brutallyhonest
Stealth12mo

Boomer wali advise, shaabash. Really good one ☝️

Brutallyhonest
Brutallyhonest
Stealth12mo

Honestly you can’t get much returns which you appreciate with so much diversification. Focus on 1/2 stocks and leave it to go grow. Else consolidate and invest in KVP. 5 lac is a good start. Too much diversification will dilute and you will not get a meaningful returns. Good luck bro

GuiltyPest
GuiltyPest
Stealth12mo
  1. There are 3 basic parameters to evaluate investment : risk , return , liquidity
  2. Bonds are sub optimal form of investment at your corpus size . I would put that into FD / stocks depending upon your risk profile
  3. Split between gold, MF and stock is fine. Try and maintain that in all market conditions (eg sell gold and buy stocks / MF if market falls by 30% and gold does not )
  4. Complex investment options are over-rated. They feel good psychologically , but not from the return point of view. Wealth creation will happen through discipline in simple investment options
  5. After a few years, when you get comfortable with MFs and then stocks, try and move away from fixed returns products (everything from bank account , bank FD, corporate FD, P2P) to MFs / stocks
  6. Once you standardize your strategy for stocks (non discretionary) , keep increasing exposure over the years
  7. For gold, SGB is more efficient than etf , digital or physical gold. Buying SGB in secondary market is more efficient that buying a fresh release
Unique
Unique
Unemployed12mo
  1. If one wants all -- stocks+ETF+mf+bond -- why not go with hybrid funds ? Just a thought.
  2. Experimental investment -- really depends on ones risk profiling and not the capital/age. Give it a deep thought.
  3. Gold -- no comments, if you enter at the right time /levels, it can be a part of one's portfolio. This part of your portfolio mostly won't move for years and years and drags your overall portfolio returns. But depends on why one wants to keep gold in their portfolio ? Accordingly it can be part of ones portfolio.
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