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With increased family expenditure resulting in a lower net cash flow for investing, as well as some time having passed (almost a decade), the family finds its risk appetite somewhat lower than before. The family unit would be typically more interested in a corresponding lower risk portfolio while still seeking wealth creation.


An indicative portfolio would be as follows:


  • 45% Diversified Large Cap Schemes (20% Actively Managed + 25% Index Funds)

  • 20% Actively Managed Midcap schemes

  • 10% gold ETF

  • 10% diversified debt fund / fixed deposits

  • 25% short-term debt funds and liquid schemes / savings bank account / current account.

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