Where to invest Rs 10 lakh amid market volatility? Experts weigh in
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Tough Times
With uncertainty clouding equity markets, investors looking to deploy a lumpsum face the challenge of allocating funds across asset classes. Four wealth management experts recommend a mix of equities, debt and gold, with allocations varying according to an investor’s risk appetite and financial goals. Here’s how they suggest a moderate investor should allocate funds, as reported by ETBureau.
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Juzer Gabajiwala, Director, Ventura Securities
Equity - Around 70% allocation in equity. Rs 3.5 lakh in WOC Flexi Cap, Rs 2.5 lakh in Invesco India Mid Cap, and Rs 1 lakh in Bandhan Small Cap.
Hybrid - Around 20% allocation in hybrid funds. Consider investing Rs 2 lakh in WOC Multi Asset Allocation
Gold - Around 10% allocation in gold. Rs 1 lakh in Kotak Gold ETF.
Hybrid - Around 20% allocation in hybrid funds. Consider investing Rs 2 lakh in WOC Multi Asset Allocation
Gold - Around 10% allocation in gold. Rs 1 lakh in Kotak Gold ETF.
3/5
Vishal Dhawan, Founder, Plan Ahead Wealth Advisors
Equity - Around 40% allocation in equity. Rs 2 lakh in MOSL Nifty 500 Index Fund, Rs 2 lakh in HDFC Flexi Cap Fund with an STP over 6 months.
Hybrid - Around 30% allocation in hybrid funds. Rs 1.5 lakh each in ICICI Prudential Balanced Advantage Fund and Edelweiss Balanced Fund.
Debt - Around 20% allocation in debt. Rs 1 lakh each in Kotak Income Plus Arbitrage and Invesco India Arbitrage Fund
Gold - Around 10% allocation in gold. Rs 1 lakh in SBI Gold ETF.
Hybrid - Around 30% allocation in hybrid funds. Rs 1.5 lakh each in ICICI Prudential Balanced Advantage Fund and Edelweiss Balanced Fund.
Debt - Around 20% allocation in debt. Rs 1 lakh each in Kotak Income Plus Arbitrage and Invesco India Arbitrage Fund
Gold - Around 10% allocation in gold. Rs 1 lakh in SBI Gold ETF.
4/5
Dheeraj Gaur, Chief Investment Strategy Officer, Choice Wealth
Equity - Around 70% allocation in equity. Rs 2 lakh in Bandhan Large & Mid Cap, Rs 1.5 lakh in HDFC Mid Cap, Rs 2 lakh in ITI Small Cap, and Rs 1.5 lakh in WhiteOak Capital Dividend Yield Fund
Hybrid - Around 10% allocation in hybrid funds. Rs 1 lakh in ICICI Prudential Aggressive Hybrid.
Gold/NCDs - Around 20% allocation in Gold and NCDs. Rs 1 lakh in Motilal Oswal Gold and Silver Passive Fund of Funds and Rs 1 lakh in NCD with 2-3 years maturity and 9-11% YTM - consider investing Rs 1 lakh
Hybrid - Around 10% allocation in hybrid funds. Rs 1 lakh in ICICI Prudential Aggressive Hybrid.
Gold/NCDs - Around 20% allocation in Gold and NCDs. Rs 1 lakh in Motilal Oswal Gold and Silver Passive Fund of Funds and Rs 1 lakh in NCD with 2-3 years maturity and 9-11% YTM - consider investing Rs 1 lakh
5/5
Feroze Azeez, Joint CEO, Anand Rathi Wealth
Equity- Around 75% allocation in equity. Rs 3.68 lakh in Quant Large Cap, Rs 1.88 lakh in Canara Robeco Multi Cap Fund, Rs 0.83 lakh in Kotak Mid Cap, Rs 0.55 lakh HDFC Small Cap and Rs 0.56 lakh in Invesco India Small Cap
Arbitrage or Target Maturity Funds - Around 20% allocation in arbitrage funds with Rs 1 lakh each in Aditya Birla Sun Life Arbitrage and Kotak Arbitrage Fund. Or Around 20% allocation in target maturity funds with Rs 1 lakh each in ICICI Prudential Nifty SDL December 2028 Index Fund and Kotak Nifty SDL July 2033 Index Fund
Gold - Around 5% allocation in gold - invest Rs 0.5 lakh in UTI Gold ETF.
Arbitrage or Target Maturity Funds - Around 20% allocation in arbitrage funds with Rs 1 lakh each in Aditya Birla Sun Life Arbitrage and Kotak Arbitrage Fund. Or Around 20% allocation in target maturity funds with Rs 1 lakh each in ICICI Prudential Nifty SDL December 2028 Index Fund and Kotak Nifty SDL July 2033 Index Fund
Gold - Around 5% allocation in gold - invest Rs 0.5 lakh in UTI Gold ETF.