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As previous financial goals are met and responsibilities taken care, the family unit then finds itself in a different risk profile with the need to adjust the portfolio accordingly. Depending on the career trajectory, earnings typically peak in this phase of life while upcoming expenses are fewer. The family then seeks to preserve accumulated wealth and plan for retirement.


An indicative portfolio would be as follows:


  • 25% Large Cap Index Funds

  • 10% actively managed midcap schemes

  • 15% gold ETF

  • 10% gilt fund

  • 20% diversified debt fund / fixed deposits

  • 20% short-term debt funds, liquid schemes / savings bank account / current account.

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