I might not be right but, just 2 cents if i were you, i would keep that much cash in hand in short term fd’s. (atleast 20%) since wedding is an expensive affair. So, your cash part is alright according to me.
The piece of land that you own is all upon you to access as to in how many years will it yeild a good return compared to any stock/mf investment you make.You might have bought it off dirt cheap and it would be great. Just take into consideration of your total capital gains tax that you might need to pay.
The crypto part, no comments,coz even i would have keep 0.2-1% of my wealth there…
Just on the stock/mf investments where i am more concerned for you.
If I were to invest into a nifty50 etf, why will i buy shares of the same holdings directly in my personal portfolio? both the places when i have the same bluechip stocks, dosen’t make sense… apart from keep let’s say 2-3.
Also, i cannot understand your equity investing thoughprocess. Since, i were to plan for a 30 year runway with enough cash, emergency fund & insurance. Good amount of mf investments, i would not invest majority of my wealth into companies with 50k+ cr in mcap…Since, the ability of compound/returns will be less than let’s say a midcap growing at 20-30%.
You might wana look here… And It would be better to cut down on irrelevant stocks unless you can track on all the investements you make. since, you might get busy with work and there personal commitments, will you be able to track all. (but then, here comes the comfort of having bluechip stocks, they are going nowhere )
I am a novice, don’t take anything as an investment advice. I am not SEBI registered.and i myself have made a lot of mistakes and might be wrong here as well.
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