Hi Tushar, Welcome to the Forum!!
First of all, I would like to mention do not run to invest in everything/every investment product eventually you will end up creating a mess & it will become very difficult to track so many things with very less allocation. According to me start from 1 thing keep minimal so that so that you have proper knowledge of that one product, and you will also have the real taste of that product also with good allocation which will keep you motivated to read and study about that 1 product regularly, give that 1 selection some time (Don’t be in a hurry which can be seen like you want to invest asap , You are thinking money is getting inflated in Saving bank.)
Secondly you are trying to take best of everywhere i.e. best return with safe products which is not practically possible. You will have to choose 1 return or Safety. (Not a recommendation because I don’t know about your background and financial position but at such a young age one should choose Calculated risk)
Every product has a characteristic & nature which should be kept in mind before deciding it is suitable for you and if that aligns with your requirements, Expectation You should jump into the product only when you have knowledge i personally know a lot of people who started with a lot of enthusiasm but have lost money in market.
Lastly on this amount expectation you should calculate the return on total portfolio not like the highest %. According to what you have mentioned 55% in safe instrument & 45% in MF +Equity you will be making about 9-10%
Disclaimer: I am not SEBI registered & have a limited knowledge about your background & income. All the above mentioned is based on my personal understanding, please think twice before taking any financial decision at the end your hard-earned money is at stake. My views may change with time.
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